2016 EVENT GUIDE

Equipping women to make money

doing what they love

NASHVILLE, TN NOVEMBER 45

CHRISTY WRIGHT

DAVE RAMSEY

RACHEL CRUZE

HILLARY SCOTT

Founder,
Business Boutique

Power of
Intentionality

Managing Money

Overcoming Fear

CHRISTINE CAINE

DONALD MILLER

Challenging the
Impossible

Branding

AMY PORTERFIELD NICOLE WALTERS

Understanding
Social Media

Sales

JESS CONNOLLY
Emcee

Learn more and reserve your seats today at BusinessBoutique.com

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.
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.

Contents
First Things First . . . . . . . . . . . . . 3

Baby Steps 5 and 6 . . . . . . . . . . . 14

Baby Steps 1 and 2 . . . . . . . . . . . . . 5

Baby Step 7 . . . . . . . . . . . . . . . . . 17

Baby Step 3 . . . . . . . . . . . . . . . . . 7

Okay. So Now What? . . . . . . . . . . 20

Baby Step 4 . . . . . . . . . . . . . . . . 12

Meet Our Host

Ken Coleman
@KenColeman

An acclaimed interviewer and broadcaster, Ken Coleman is the

2016 Lampo Licensing, LLC.

All rights reserved.
1749 Mallory Lane
Brentwood, TN 37027

host of The Dave Ramsey Show video channel, Dave Ramsey live

Published by Ramsey Solutions.

For more information, please
contact Dave Ramseys office at
888.22.PEACE.

from Todays Leading Voices. Ken has interviewed hundreds of

events, and the top-rated EntreLeadership Podcast. In 2013, Ken

released his first book, One Question: Life-Changing Answers
celebrities, including legendary Duke basketball coach Mike
Krzyzewski, who penned Ken as a young Charlie Rose.

Lineup subject to change

Meet Our Speakers

Dave Ramsey

@DaveRamsey

Dave Ramsey is Americas trusted voice on money and business. Hes authored seven national
best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership,
Dave Ramseys 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 Cruze

@RachelCruze

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 2016.

Chris Hogan

@ChrisHogan360

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: Its Not an Age; Its a Financial Number, a #1 national best seller.

Chris Brown

@ChrisBrownOnAir

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 Browns True Stewardship provides biblical solutions and sound advice for
questions on life and money.

Anthony ONeal

@AnthonyONeal

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.

# S M A RT M O N E Y TO U R

LI V E M O R E , WO R RY L E S S

First Things First . . .

1. 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

Take control of your money with Daves FREE and easy budget tool!

everydollar.com

Answer Key
Written
Will
Life Insurance

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 youll be entered to win
$1,000 from Dave Ramsey! The winner will be annouced during
The Dave Ramsey Show.

zanderinsurance.com/dave

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 6:45 (NKJV)

Steps Out of Debt

1. Quit borrowing more
2. You must
3.

!
money.

something.

4. Take a part-time
5.

To get out of debt, you will

make short-term sacrifices
to your lifestyle, but it
will be for a wonderful
long-term gain! #debtfree
@RachelCruze

.
really works.

For more information about the debt snowball,

go to daveramsey.com/getstarted

LI V E M O R E , WO R RY L E S S

Answer Key
$1,000
Debt Snowball
Money
Save
Sell
Job
Prayer

# S M A RT M O N E Y TO U R

This Is Your Money

Reality Check!
New from Daves daughter Rachel Cruze

20

ONLY

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

Baby Step 3
months of expenses in savings.

You Should Save for Three

Basic Reasons:

Uncover our best saving habits

in Rachel Cruzes new book,
Love Your Life Not Theirs,
Chapter 10: Saving For Life.

1.
2.
3.

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)

If you have to use your

emergency fund, be thankful
you had one and start over!
@ChrisHogan360

NOTES

Answer Key
36
Emergency Fund
Purchases
Wealth Building

LI V E M O R E , WO R RY L E S S

# S M A RT M O N E Y TO U R

Product Specials

20

Love Your Life, Not Theirs

Rachels newest book + FREE video download

Smart Money Smart Kids

Member Kit

15

20

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

Financial Peace
University
$99

Financial Peace University Class Membership

or the DVD Home Study for $119

$25

$45

Edutainment Bundle

Get Started Bundle

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 others healthcare
costs. Contact us today to learn how you can get your first month free!

chministries.org/dave

300.848.1511

Baby Step 4
Invest
Chris Hogans 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.

of household income into Roth IRAs

and pretax retirement.

Have a

with your spouse

or accountability partner.
Identify the

Numbers change when

do.

A mans 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

# S M A RT M O N E Y TO U R

LI V E M O R E , WO R RY L E S S

Be condent
about your
retirement.
SmartVestor is an easy, free way
to nd investing professionals in
your area.

How does SmartVestor work?

1

Enter your ZIP code

at SmartVestor.com

See a list of professionals

who accept our
Code of Conduct

Choose a SmartVestor
Pro to help build your
investing strategy

Text SmartVestor to 44222

to get started.
LI V E M O R E , WO R RY L E S S

# S M A RT M O N E Y TO U R

13

It takes the average

college grad 15 to 18 years
to pay back their college
loan. Some up to 25 years.
#Sad
@AnthonyONeal

Baby Step 5
college.
An Education Savings Account (

) funded in

growth stock mutual funds is best.

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 back!
@ChrisBrownOnAir

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

Answer Key
Fund
ESA
Affordable
Scholarships
Job
Early
Wise
No

14

# S M A RT M O N E Y TO U R

The rich rule over the poor,

and the borrower is slave to the lender.
PROVERBS 22:7 (NIV)

LI V E M O R E , WO R RY L E S S

payments?

Have you been thinking about

selling your home?

Text SmartSeller to 44222 to receive

your free guide today.

has ever
ve Ramsey
a
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mortgage c
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Churchil
Churchill M
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recommend
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Keep
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We look

L.H. Mike

Hardwick
President

Event

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.com/Ram
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chillM
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www.Chur
844.201.77

Company NMLS ID # 1591 (www.nmlsconsumeraccess.org); AL20934; AR32094; AZ-0926494; CA-413125, Licensed by the Department of Business Oversight under Churchill Mortgage
Corporation, which will do business in California as Churchill Mortgage Home Loans; COMortgage Company Registration, Churchill Mortgage Corporation, 761 Old Hickory Blvd. Ste
400, Brentwood, TN 37027, Tel 888-562-6200, Regulated by the Division of Real Estate; CT-ML-1591; DC MLB1591; FLMLD1264; GA23146; ID-MBL-8038; ILMB.6760685, Illinois
Residential Mortgage Licensee, Department of Financial and Professional Regulation; IN10930 & 10931; IA2009-0009; KS-MC.0025136, Kansas Licensed Mortgage Company;
KYMC19522; LA- Residential Mortgage Lending License; MD18840; MI-FR0019014 & SR0014889; MO-15-2136-A, 435 Nichols Road, Ste 200, Kansas City, Missouri 64112-2036;
MN-MN-MO-1591; MS1591, Licensed by the Mississippi Department of Banking and Consumer Finance; NE2037; NM03780; NCL-144110; OH-MBMB.850178.000 & SM.501828.000;
OKMB002527 & ML002574; OR-ML-5134; PA-41761, Licensed by the PA Department of Banking and Securities under Churchill Mortgage Home Loans; SCMLS1591; SD-ML.05137;
TN109305; TX Mortgage Banker Branch Registration, 761 Old Hickory Blvd. Ste 400, Brentwood, TN 37027; VAMC-5222, Churchill Mortgage Corporation of TN; WACL-1591; WI-1591BA
& 1591BR; WY - 2516; Tel 888-562-6200; 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 Officers role is to assist in determining a
comfortable home price range for HBM2 to use when it is searching for property listings within the buyers 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.

Baby Step 7
Build wealth and

with outrageous

generosity!
Your most powerful wealth-building tool
is your

Giving is possibly the most

you will

To discover some
practical principles for
generous giving, see
Chapter 8: Called to
Generosity in
The Legacy Journey.

ever have with money.

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 else!
@DaveRamsey

2 CORINTHIANS 9:7 (NKJV)

NOTES

Answer Key
Give
Income
Fun

LI V E M O R E , WO R RY L E S S

# S M A RT M O N E Y TO U R

17

DONT MAKE EXCUSES; MAKE PROGRESS!

Now you can listen to Americas 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 Hogans Retire Inspired Podcast

at ChrisHogan360.com or on iTunes.

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 | 800.634.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.

Okay.
So now what?
Now youre inspired to take control of your money! Most people leave events
like this one excited to change the future, but they dont exactly know where to
start. Wed like to offer a few suggestions.
Create your monthly budget for free at

everydollar.com.
Create a will.

Sign up for term life insuranceten

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.
Identify three ways you can earn

extra money.

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 dont 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.

ATLANTA, GA

10.22.16

HOUSTON, TX

RETIREMENT

PERSONAL DEVELOPMENT

PARENTING

MARRIAGE

MONEY

10.8.16

NORTH POINT COMMUNITY CHURCH

GRACE COMMUNITY CHURCH

Get your seats today at daveramsey.com/events

LESMWBOOK