[Marilyn]

Janet, I'm not advertising this guy at all, have no connection with him other than being a fairly frequent listener. His website is www.daveramsey.com & he an author and nationally syndicated radio talk show host out of Tennessee. His show is broadcast on over 300 radio stations including satellite, nationwide. I think it's live from 1pm to 4pm CST Mon-Fri. His website will say where you can tune in to hear him. He has a very blunt, common sense approach for becoming debt free. Don't agree with everything he says, but he gives a lot of good advice to most callers.

If you can find a station in your area, it would be worth tuning in and seeing what you think. I believe you can hear him on-line as well. He was in real estate of some kind and went bankrupt when he was around 28. He shares his ideas from the perspective of someone who has made a lot of financial mistakes of his own & worked his way out.