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What Now? It’s Time to Say Never Again

2020—it’s a year none of us will ever forget. You’ve been navigating life through COVID-19, quarantine, social distancing and not being able to see the bottom half of people’s faces.

Some lost their jobs, some lost their savings, and some even lost loved ones. But here we are, picking up the pieces from a time we’ll be able to tell our grandkids about.

So . . . what now?

You Can Control the Controllables 

In the What Now? livestream, Dave Ramsey, Rachel Cruze and Chris Hogan talk about what life looks like as we all begin to move forward. Like it or not, this pandemic got our attention—it’s changed how we think about and handle our money. There’s nothing like a pandemic to send you a wake-up call that things need to change pronto.

Dave says that going through a moment in time like this, well . . . it changes you. It gives you an opportunity to stop and say never again!

Never again will I rely on debt to pay my bills.

Never again will I have only $30 saved up for an emergency.

Never again will I ignore my bank statements for months on end.

Never again will I be lazy with my money.

Never. Again.

Once you have your never again moment, things need to change—and that change starts with you. You’re in control of your actions and can make sure this never happens to you again. And you know what? It’s pretty hard to forget your never again moment once it happens.

Dave remembers his never again moment like it was yesterday (even though it was more than 30 years ago!). When the bank notes on his real estate investments were called, he had to file bankruptcy (with a wife and two babies to support). He had to stop and say, “I never, ever want to get caught like this again, so from now on . . . no more debt.” By doing that, he changed his family tree forever.

Rachel says a lot of people are trying to get control of their lives right now. And while we can’t control a lot of what happens around us sometimes (pandemics, job losses, school closures) we can control the controllables—like our money. One of the easiest ways to take control of your money is pretty simple: budgeting.

Now, you might be someone who thinks having a budget really cramps your style. Even Rachel herself admits that as a spender and a free spirit, she sometimes has trouble embracing the budget too. But she’s found that having a budget actually gives you the freedom to spend and peace of mind knowing that you won’t derail everything.

To wrap up the livestream, Chris dives into how we all need a safety net to fall back on. Heck no, not a credit card—an emergency fund. You don’t need to live in fear, but you do need to be realistic and know that rainy days happen. And when they do, you’ll be glad you had your emergency fund there to catch you.

Your Never Again Moment Is Now

Will this be your never again moment? Will this be the point in time when you stop and realize you never again want to be caught without an emergency fund or shuffling around debt to make ends meet? Let this moment in time be the kick in the pants you need to make a lasting change—one that you’ll look back on years from now and be able to say, “That’s when everything changed for me.”

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Pay off debt fast and save more money with Financial Peace University.

If you want to never worry about money again, then you need the right plan, the right tools, and the right teaching to help guide you. Take the first action step in your never again moment and start Financial Peace University today!! It’s time to draw a line in the sand and shout, “Never again!”

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Ramsey Solutions

About the author


Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since 1992. Millions of people have used our financial advice through 22 books (including 12 national bestsellers) published by Ramsey Press, as well as two syndicated radio shows and 10 podcasts, which have over 17 million weekly listeners. Learn More.

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