I've been bad with money my entire life. I am 38 and living paycheck to paycheck. I had enough one day of having bill collectors calling me, seeing my credit score go up and down, it felt out of control. I started hearing about Dave Ramsey and through research found Financial Peace University [Ramsey+]. I started the trial and I was instantly hooked. Dave and his team speak from experience and provide plenty of motivation to start fresh and eradicate debt from anyone's life.