Dave Ramsey

I believe everyone should have an emergency fund that covers at least six months of expenses. It's a crucial safety net that provides peace of mind and financial stability in case of unexpected events like job loss or medical emergencies.

I strongly believe that financial education should be a mandatory part of the high school curriculum. Understanding how to manage money, budget, and invest wisely is crucial for young people to build a stable and successful future. Financial literacy empowers students to make informed decisions and avoid the pitfalls of debt and poor money management.

In my experience, real estate is a safer investment than stocks due to its tangible nature and potential for consistent cash flow. While the stock market can fluctuate wildly, real estate tends to appreciate steadily over time, offering a more stable investment for wealth building.