I have an unusual way of looking at the world. My wife, Sharon, says I'm weird, and, truthfully, I am weird. But there's a reason. Starting from nothing, by the time I was 26, I had a net worth of a little over a million dollars. I was making $250,000 a year. That's more than $20,000 a month in net taxable income. I was having fun. But 98% of the truth is a lie. That 2% can cause big problems, especially with $4 million in real estate. I had a lot of debt—a lot of short-term debt—and I'm the idiot who signed up for the trip.

The short version of the story is that debt caused us, throughout two and a half years of fighting it, to lose everything. We didn't tell anyone what was going on, but if we had to do it again, we would learn from the wisdom of others who have been through it. We soon learned that we weren’t the only ones at the bottom. Barbie and Ken (you know, the couple that appears to be perfect—perfect clothes, perfect car, perfect house) are broke, and I don't take financial advice from broke people anymore.

After losing everything, I went on a quest to find out how money works, how I could take control of it, and how I could have confidence in handling it. I read everything I could get my hands on. I interviewed older rich people—people who made money and kept it. That quest led me to an uncomfortable place: my mirror. I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I also realized that if I could learn to manage the character I shaved with every morning, I would win with money. I went back to my first love, real estate, to eat and to get out of debt. Along the way, I began another path—the path of helping others, literally millions of others, take the same quest to the mirror. That path led to starting Ramsey Solutions. We’ve been helping people change their lives for over 20 years, and we’re not slowing down.

I’ve paid the “stupid tax” (mistakes with dollar signs on the end) so you don't have to, and I’m here to tell you that whoever you are, wherever you came from, and however deep of a mess you might be in right now, you can get out of it. You can take control and use the same commonsense principles I did to turn your situation around. And my team and I want to walk with you through it, every step of the way. It’s go time.