Ginger McCormick 
 816-588-2245

What insurance products do I REALLY need?  See this article link:  When Should You Buy Insurance on the Baby Steps? - Ramsey

 There are multiple ways that you can learn about Dave Ramsey’s Financial Peace University program.  Purchase through www.daveramsey.com.

1. PERSON CLASS (BEST) – 9-week sessions offered in the Spring and the Fall (or you can look on Dave Ramsey’s web site to find another local class starting now! – they have them all the time in churches across the metro area. You can attend the first lesson for free when taking class at St Joseph’s church!
   • Cost: as of 3/1/2026, material cost $99.99, no additional cost for class
   • Note: dozens of churches in the area have classes starting all the time – choose a date/time that works best for you!

2. VIRTUAL CLASS (NEXT BEST) – 9-week sessions offered in the Spring and the Fall (you can also look on Dave Ramsey’s web site to find one of these classes starting now!)
   • Cost: as of 3/1/2026, material cost $99.99, no additional cost for class
   • Note: virtual classes are offered across the country – choose a date/time that works best for you!

3. SELF-PACED CLASS – the same 9-week sessions as above, but taken at your own pace.
   • Cost: as of 3/1/2026, material cost $99.99

4. EveryDollar Premium Version – budgeting app that leads you through creating and tracking a budget – this is a GAME CHANGER app for those that struggle with creating and tracking to their budgets. Download and upgrade to premium version.  Note: the premium version is included for 90 days with one of the above class sign-ups.
   • Cost: as of 3/1/2026, free for first 14-days and then $17.99 per month or $79 per year). Note: you can download and use it for free, but it’s not linked with your bank.  So, you’ll have to enter every transaction manually…worth the upgrade to make it easy!
   • See Dave Ramsey’s Budget Guide link: How to Budget Guide - Ramsey

5. Book Recommendations – if you’re good at ready/applying what you learn from a book, here are two that will help you. Note: if you go this route, please also get the EveryDollar app – tracking to a budget is key to reaching your financial success – whatever method you use!