This is not really an original Hot Topic, it's more of a follow-up from last week's Hot Topic regarding the bail out plan. I was recently reading some information on Dave Ramsey's website, wanting to read his opinions on the bail out plan. I knew he would be passionate about this mess especially since at the center of the issue sits some of the largest credit card companies and mortgage lenders. If you know Dave, you know he is passionate about his hate for credit card companies in particular. I really like this article that he has written entitled, "You Fix You!" Basically he says don't look to congress to fix your problems. So you may only $12,000 a year, figure it out. That's not congress fault. That's YOUR fault. Fix it.

Please take some time over the next few days and read Dave's article. I PROMISE Dave Ramsey is not paying me to write Hot Topic Tuesdays - PROMISE. It just so happens that his business has single handedly changed mine and Brent's lives.

When something impacts me so heavily in a positive way, I have to share it and quickly become passionate about it. Any of my closest friends can attest to that - including my brother in law and sister in law who went through Financial Peace University this past year. They are now completely debt free and the last time I checked, they're just a few short years from paying off their mortgage that is just under 3 years old! Impressive?? ABSOLUTELY. But more importantly it's a testament to dedication and hard work as well as what can be done when we're debt-free.

Read on and feel free to comment after reading the article...

http://www.daveramsey.com/etc/cms/you_fix_you_11043.htmlc