Finding Financial Peace

Keeping a budget and diligently watching your finances will reap benefits to help you reach your financial goals.

Money is one of those things that can either bring peace or constant stress. I’ve been on both sides of that, and I can tell you—being debt free feels so much lighter. For a long time, I carried thousands in consumer debt, and it weighed on me and my family. But when we got serious about following the 7 Baby Steps from Ramsey Solutions, things started to change. We got organized, stuck to the plan outlined below (we're current on step #6!), and finally found financial peace. Now, I help others do the same through financial coaching.

If you’re just starting out, here’s a quick look at the 7 Baby Steps that guided us:

1. Save $1,000 for your starter emergency fund – This is your first line of defense against life’s little surprises.

2. Pay off all debt (except the house) using the debt snowball – Knock out debt one by one, smallest to largest, to build momentum.

3. Save 3–6 months of expenses in a fully funded emergency fund – Create a safety net so unexpected events don’t knock you off track.

4. Invest 15% of your household income in retirement – Start building a future where your money works for you.

5. Save for your children’s college fund – Give your kids a head start without the burden of student loans.

6. Pay off your home early – Imagine the freedom of owning your house outright.

7. Build wealth and give – With no debt, you can focus on growing your wealth and blessing others.

It’s simple, but not always easy. Still, if I can do it, you can too. Over time, these steps bring structure, confidence, and eventually peace. That’s the journey I want to share here, and if you’re ready, I’d love to walk through it with you.

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