In 2009 when I completed the class I completed Financial Peace University. We achieved a debt free position and established a 3-6 month emergency fund. Somewhere along the way, we stopped paying close attention to our money. Before we knew it, we had amassed several thousands in credit card debt and auto loans.  

In fall of 2015, it was clear divorce was in my near future. I realized I needed to ensure my shelter, food, clothing, and transportation. I went back to the basics and revisited Dave Ramsey's baby steps.  

At the same time, I was reminded of the fulfillment I used to experience at Cross Timbers when I was plugged in. Even in the midst of my own emotional and spiritual difficulties, I needed to help others. So, what better way to feed my spiritual needs and get back on track responsibly managing God's money than to facilitate the class!  With 150 folks staring back at me, I made a promise to myself and to them to uphold the Cross Timbers mission statement that I bought into so many years ago... "Fellowship through Authentic Community.” 

Three days before Christmas I was informed that the company I worked for had been sold and that I would be out of job come February 29th, 2016.  Because I had followed the FPU plan, I was in a good place emotionally, spiritually, and could focus on what mattered.  Because FPU gave me a plan to follow, I have managed to use my severance package as a bonus and payoff some of my credit card debt... FPU reminds of God’s Word, those who borrow money become slaves to the lender... and I'm in a hurry to cut those ties!