NASHVILLE, TN NOVEMBER 4 5
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1 2016 EVENT GUIDE
2 Equipping women to make money doing what they love NASHVILLE, TN NOVEMBER 4 5 CHRISTY WRIGHT Founder, Business Boutique DAVE RAMSEY Power of Intentionality RACHEL CRUZE Managing Money HILLARY SCOTT Overcoming Fear CHRISTINE CAINE Challenging the Impossible DONALD MILLER Branding AMY PORTERFIELD Understanding Social Media NICOLE WALTERS Sales JESS CONNOLLY Emcee Learn more and reserve your seats today at BusinessBoutique.com
3 We provide biblically based, commonsense education and empowerment that give HOPE to everyone in every walk of life. The Lampo Group, LLC and its affiliates do not provide legal, tax, or financial advice. We are not a financial planner, a broker, an investment advisor, a law firm, or a tax advisor. The Smart Money event and all associated materials are intended to inspire and assist you with general personal finance education. Your personal situation is unique and fact dependent. Thus, any information or guidance provided may not be appropriate for your individual situation. Accordingly, before making any decisions or implementing any financial strategy, you should consider obtaining information and advice from professionals who are fully aware of your circumstances. Contents First Things First 3 Baby Steps 1 and 2 5 Baby Step 3 7 Baby Step 4 12 Baby Steps 5 and 6 14 Baby Step 7 17 Okay. So Now What? 20 Scripture quotations marked (NKJV) taken from the New King James Version. Copyright 1982 by Thomas Nelson. Used by permission. All rights reserved. Scripture quotations marked (NIV) are taken from the Holy Bible, New International Version, NIV. Copyright 1973, 1978, 1984, 2011 by Biblica, Inc. Used by permission of Zondervan. All rights reserved worldwide Lampo Licensing, LLC. All rights reserved Mallory Lane Brentwood, TN Published by Ramsey Solutions. For more information, please contact Dave Ramsey s office at PEACE. Meet Our Host Ken An acclaimed interviewer and broadcaster, Ken Coleman is the host of The Dave Ramsey Show video channel, Dave Ramsey live events, and the top-rated EntreLeadership Podcast. In 2013, Ken released his first book, One Question: Life-Changing Answers from Today s Leading Voices. Ken has interviewed hundreds of celebrities, including legendary Duke basketball coach Mike Krzyzewski, who penned Ken as a young Charlie Rose. Lineup subject to change
4 Meet Our Speakers Dave Dave Ramsey is America s trusted voice on money and business. He s authored seven national best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, Dave Ramsey s Complete Guide to Money, Smart Money Smart Kids, and The Legacy Journey. The Dave Ramsey Show is heard by more than 11 million listeners each week on more than 550 radio stations and a variety of digital outlets. Rachel Rachel Cruze is a seasoned communicator and presenter, helping Americans learn the proper ways to handle money and stay out of debt. She co-authored the #1 national best-selling book Smart Money Smart Kids with her dad, Dave Ramsey. Her new book, Love Your Life, Not Theirs, releases October Chris A popular and dynamic speaker on the topics of personal finance, retirement, and leadership, Chris Hogan helps people across the country develop successful strategies to manage their money, both in their personal lives and businesses. He is the host of the Retire Inspired Podcast and the author of Retire Inspired: It s Not an Age; It s a Financial Number, a #1 national best seller. Chris Chris Brown is a nationally syndicated radio talk show host, pastor, and dynamic speaker carrying the message of stewardship and intentional living nationwide. Available on radio stations nationwide, Chris Brown s True Stewardship provides biblical solutions and sound advice for questions on life and money. Anthony At age 19, Anthony ONeal was deep in debt and short on hope with no direction of where his life was headed. But after hitting rock bottom, he turned his life around and committed to helping students find and pursue their passions. Since 2003, Anthony ONeal has helped thousands of students succeed with money in their work and personal lives. Now Anthony travels the country to spread this encouraging message to students nationwide. 2 #SMARTMONEYTOUR LIVE MORE, WORRY LESS
5 First Things First You must have a plan. Start yours FREE at everydollar.com. 2. Everyone needs a. Get started with your FREE, state-specific will provided by US Legal Forms by turning in your Smart Moves Card (tonight only). 3. is how you say I love you to those who count on you. Get a free quote at zanderinsurance.com/dave Answer Key Written Will Life Insurance Take control of your money with Dave s FREE and easy budget tool! everydollar.com
6 Total life protection is the most treasured gift you could give your family. A $250,000 term life policy is as low as $13/month! Get an instant quote for a chance to win! Run an instant quote from your phone and you ll be entered to win $1,000 from Dave Ramsey! The winner will be annouced during The Dave Ramsey Show. zanderinsurance.com/dave
7 Baby Step 1 in an emergency fund. Baby Step 2 Pay off all debt using the. The debt snowball is covered in detail in The Total Money Makeover, Chapter 7: The Debt Snowball: Lose Weight Fast, Really. Give no sleep to your eyes, Nor slumber to your eyelids. Deliver yourself like a gazelle from the hand of the hunter, And like a bird from the hand of the fowler. PROVERBS 6:4 5 (NKJV) Steps Out of Debt 1. Quit borrowing more! 2. You must money. To get out of debt, you will make short-term sacrifices to your lifestyle, but it will be for a wonderful long-term gain! 3. something. 4. Take a part-time. 5. really works. For more information about the debt snowball, go to daveramsey.com/getstarted Answer Key $1,000 Debt Snowball Money Save Sell Job Prayer LIVE MORE, WORRY LESS #SMARTMONEYTOUR 5
8 This Is Your Money Reality Check! New from Dave s daughter Rachel Cruze ONLY $ 20 Introducing the New Book from #1 New York Times Bestselling Author Rachel Cruze. In Love Your Life, Not Theirs, Rachel shines a spotlight on the most damaging money habit we have: comparing ourselves to others. Then she unpacks six other healthy money habits for living the life we really want without being buried under debt, stress, and worry. Purchase in the lobby today or online at RachelCruze.com
9 Baby Step 3 months of expenses in savings. You Should Save for Three Basic Reasons: Uncover our best saving habits in Rachel Cruze s new book, Love Your Life Not Theirs, Chapter 10: Saving For Life In the house of the wise are stores of choice food and oil, but a foolish man devours all he has. PROVERBS 21:20 (NIV 84) NOTES If you have to use your emergency fund, be thankful you had one and start Answer Key 3 6 Emergency Fund Purchases Wealth Building LIVE MORE, WORRY LESS #SMARTMONEYTOUR 7
10 Product Specials 20 $ $ Love Your Life, Not Theirs Rachel s newest book + FREE video download Smart Money Smart Kids Member Kit Retire Inpired w/ FREE Investing Basics DVD EntreLeadership $15 One Question 109 $ $ $15 59 The Total Money Makeover $15 The Legacy Journey $ The Legacy Journey Class Membership or the DVD Home Study for $159 $15 Smart Money Smart Kids $20 Deluxe Envelope $5 Envelope Refills
11 Financial Peace University $99 Financial Peace University Class Membership or the DVD Home Study for $119 $25 $45 Edutainment Bundle Get Started Bundle
12 The affordable, biblical solution to healthcare costs. Christian Healthcare Ministries is an eligible faith-based option under the national healthcare law. Join thousands of Christians united in sharing each other s healthcare costs. Contact us today to learn how you can get your first month free! chministries.org/dave
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14 Baby Step 4 Chris Hogan s book, Retire Inspired, also has two chapters of basic investing information: Chapter 5: Intentional Investing: A Great Retirement Is No Accident and Chapter 6: The Investing Menu: Understanding Your Options. Invest of household income into Roth IRAs and pretax retirement. Have a with your spouse or accountability partner. Identify the. Numbers change when do. A man s heart plans his way, But the Lord directs his steps. PROVERBS 16:9 (NKJV) Find your RIQ FREE at ChrisHogan360.com NOTES Answer Key 15% Dream Meeting Gap People 12 #SMARTMONEYTOUR LIVE MORE, WORRY LESS
15 Be confident about your retirement. SmartVestor is an easy, free way to find investing professionals in your area. How does SmartVestor work? 1 Enter your ZIP code at SmartVestor.com 2 See a list of professionals who accept our Code of Conduct 3 Choose a SmartVestor Pro to help build your investing strategy Text SmartVestor to to get started. LIVE MORE, WORRY LESS #SMARTMONEYTOUR 13
16 It takes the average college grad 15 to 18 years to pay back their college loan. Some up to 25 years. Baby Step 5 college. An Education Savings Account ( growth stock mutual funds is best. ) funded in You Can Pay Cash for College if You:»» Select an school.»» Aim for.»» Get a. If your mortgage is more than 25% of your take-home pay, you have more house than you can afford. Sell it to get some serious margin Baby Step 6 Pay off home. It is not to keep your home mortgage as a tax deduction. What could you do if you had payments? Answer Key Fund ESA Affordable Scholarships Job Early Wise No The rich rule over the poor, and the borrower is slave to the lender. PROVERBS 22:7 (NIV) 14 #SMARTMONEYTOUR LIVE MORE, WORRY LESS
17 Have you been thinking about selling ling your home? Text SmartSeller to to receive your free guide today.
18 Churchill Mortgage is the only mortgage company Dave Ramsey has ever recommended, and we take that very seriously. We consider the people who place their trust in us not only our customers, but part of our Churchill family. Our commitment to you: Take Dave Ramsey s philosophies, engrain them in our people, and apply them to your unique situation Practice what we preach; Churchill Mortgage is a debt-free company Walk with you through the mortgage process with the heart of a teacher Keep a watchful eye on rates after your closing, and let you know when it makes sense to refinance When getting a mortgage, you have to deal with a lot of numbers, but you don t have to be a number. Let us personally help you pursue your dream of not simply buying a home, but owning your home debt-free. We look forward to serving you, L.H. Mike Hardwick President Company NMLS ID # 1591 ( AL 20934; AR 32094; AZ ; CA , Licensed by the Department of Business Oversight under Churchill Mortgage Corporation, which will do business in California as Churchill Mortgage Home Loans; CO Mortgage Company Registration, Churchill Mortgage Corporation, 761 Old Hickory Blvd. Ste 400, Brentwood, TN 37027, Tel , Regulated by the Division of Real Estate; CT-ML-1591; DC MLB1591; FL MLD1264; GA 23146; ID-MBL-8038; IL MB , Illinois Residential Mortgage Licensee, Department of Financial and Professional Regulation; IN & 10931; IA ; KS-MC , Kansas Licensed Mortgage Company; KY MC19522; LA- Residential Mortgage Lending License; MD 18840; MI-FR & SR ; MO A, 435 Nichols Road, Ste 200, Kansas City, Missouri ; MN-MN-MO-1591; MS 1591, Licensed by the Mississippi Department of Banking and Consumer Finance; NE 2037; NM 03780; NC L ; OH-MBMB & SM ; OK MB & ML002574; OR-ML-5134; PA-41761, Licensed by the PA Department of Banking and Securities under Churchill Mortgage Home Loans; SC MLS 1591; SD-ML.05137; TN ; TX Mortgage Banker Branch Registration, 761 Old Hickory Blvd. Ste 400, Brentwood, TN 37027; VA MC-5222, Churchill Mortgage Corporation of TN; WA CL-1591; WI-1591BA & 1591BR; WY ; Tel ; All other states, Churchill Mortgage Corporation The Home Scouting Report REG TM (HSR) is a free home finding service provided directly to consumers by HBM2, a licensed real estate brokerage services company. The Loan Officer s role is to assist in determining a comfortable home price range for HBM2 to use when it is searching for property listings within the buyer s search criteria. The Loan Officer is neither an employee of HBM2, nor the provider of the Home Scouting Report REG TM. The Cooperating Real Estate Agent and HBM2 are cooperating, licensed real estate professionals. The Cooperating Real Estate Agent is neither an agent nor a broker for HBM II, but works cooperatively with HBM II to assist buyers in their home buying efforts. COPYRIGHT SYMBOL 2016 Home Buyers Marketing II, Inc. (HBM2). Not available in all areas.
19 Baby Step 7 Build wealth and generosity! with outrageous Your most powerful wealth-building tool is your. Giving is possibly the most you will ever have with money. To discover some practical principles for generous giving, see Chapter 8: Called to Generosity in The Legacy Journey. So let each one give as he purposes in his heart, not grudgingly or of necessity; for God loves a cheerful giver. Live like no one else so later you can live AND give like no one 2 CORINTHIANS 9:7 (NKJV) NOTES Answer Key Give Income Fun LIVE MORE, WORRY LESS #SMARTMONEYTOUR 17
20 DON T MAKE EXCUSES; MAKE PROGRESS! Now you can listen to America s trusted voice on retirement anytime, anywhere. The #1 best-selling author will answer your questions and challenge you to apply proven strategies to grow and protect your wealth. Subscribe to Chris Hogan s Retire Inspired Podcast at ChrisHogan360.com or on itunes.
21 YOUR FAITH. YOUR VALUES. YOUR CREDIT UNION. IT MATTERS WHERE YOU BANK. When you bank with ECCU, every dollar you spend or save helps support Christian ministry. eccu.org/daveramsey ECCU JOIN ECCU AND GET $50 TOWARD YOUR EMERGENCY FUND when you open a savings account with $500. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration (NCUA), a U.S. Government Agency.
22 Okay. So now what? Now you re inspired to take control of your money! Most people leave events like this one excited to change the future, but they don t exactly know where to start. We d like to offer a few suggestions. Create your monthly budget for free at everydollar.com. Create a will. Sign up for term life insurance ten to twelve times your annual income. Receive an instant quote by visiting zanderinsurance.com/dave. Read The Total Money Makeover with your spouse or accountability partner. Enroll in a local Financial Peace University (FPU) class. Visit daveramsey.com/fpu to find a class near you. Put $1,000 in your emergency fund. List ten items you could sell that add up to $1,000. Identify areas where you can use cash envelopes to organize your spending. Fill out the debt snowball. Identify areas where you can cut back (e.g., groceries, gifts, and clothing). Identify your money weaknesses. Find out how much you need to save for retirement by determining your Retire Inspired Quotient (R:IQ). Go to chrishogan360.com to take the free assessment and get your number. Meet with an investing professional. Smart investors don t leave their future to chance. Visit smartvestor.com to find a partner you can count on. Start teaching your kids to give, save, and spend. Identify areas where you can give your money, time, and talent. Identify three ways you can earn extra money.
23 RETIREMENT PERSONAL DEVELOPMENT PARENTING MARRIAGE MONEY ATLANTA, GA NORTH POINT COMMUNITY CHURCH HOUSTON, TX GRACE COMMUNITY CHURCH Get your seats today at daveramsey.com/events
24 LESMWBOOK
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