David married his wife, Teresa, in 1991 while they were both still in college. Their parents and schools had not prepared them to manage money, so some typical mistakes were made early in their marriage. Teresa’s ‘finance anxiety’ started acting up very soon after the birth of their first child in 1996. Fortunately, God placed some wise council into their lives, encouraging them to correct the habits that got them into debt and prevented them from setting aside adequate savings. But they had no plan to follow, and it was easy to slide right back into the old, destructive money habits.
In 2004 a transformational moment happened in David and Teresa’s life: they attended Dave Ramsey’s Financial Peace University for the first time. With the structure and direction of the Baby Steps, they applied the discipline needed to eliminate all debt, ramp up saving and investing, obtain adequate insurance coverage, and set aside college money for their five children. David likes to say, “when Teresa and I were younger, we were given some really great advice, and it saved us from financial unhappiness, possibly ruin. Now it’s time to return that favor.”
In 2019, David and his family settled in the Florida Panhandle. He has a Series 6 Securities License, Life Insurance License, and is passionate about offering clients the wise council of Dave Ramsey’s plan for financial fitness – helping them to “live like no one else, so that later they can live and give like no one else.”