FPU is the most important step to changing your financial future. It is your Total Money Makeover Program. It takes the head knowledge from the books and the radio show and turns it into real action.

FPU is a 13-week, life-changing program that empowers and teaches you how to make the right money decisions to achieve your financial goals and experience a total money makeover.

Classes are held once per week for 13 consecutive weeks. Each class session lasts approximately two hours.

The first hour consists of financial teaching by Dave Ramsey via video.

The second hour consists of small groups. The small group discussions will allow you to apply the principles to your daily life. The group's members will help to hold each other accountable and support each other during the process of transforming each person's finances and future. The small group discussions are crucial because when it come to personal finances, it's 80 percent behavior and 20 percent knowledge!

1. (3/4/2008) - "Super Savers" teaches the importance of saving money and how to get the best return on your money.
2. (3/11/2008) - "Cash Flow Planning" will teach you step-by-step how to put together a zero-based monthly budget and walk you through how to complete all of the financial management forms with samples included.
3. (3/18/2008) - "Relating with Money" is about the importance of working together in relationships and how we handle money.
4. (3/25/2006) - "Buying Only Big, Big Bargains" teaches us Dave's personal techniques on how to negotiate and get the very best deals when buying something.
5. (4/1/2008) - "Dumping Debt" teaches how to get out of debt and stay out of debt.
6. (4/8/2008) - "Understanding Investments" teaches the difference between stocks, bonds, mutual funds, CDs, annuities, and where we can get the very best return on our hard-earned money.
7. (4/15/2008) - "Understanding Insurance" will help you learn the types of coverages you need when it comes to health insurance, homeowner and car insurance, life insurance, and disability insurance.
8. (4/22/2008) - "Retirement and College Planning" teaches about the new Roth IRA, about how much to put into your SEPP and 401(k) or 403(B) plans, and how to best fund your child's college education.
9. (4/29/2008) - "Buyer Beware" warns us about how we are being marketed to and teaches us the keys to developing the power over purchases.
10. (5/6/2008) - "Real Estate and Mortgages" will teach you the best way to buy and sell a house and the difference between a 15- and 30-year mortgage plus the best ways to finance a home.
11. (5/13/2008) - "Careers and Extra Jobs" teaches the importance of doing with your life that which you love.
12. (5/20/2008) - "Collection Practice and Credit Bureaus" teaches you how to check and clean up our credit report and deal with collection agencies.
13. (5/27/2008) - "The Great Misunderstanding" will teach you the importance of being a good manager over the blessings you have been given and to share them.

Dear Friends,

How would you feel if you had NO DEBT and a solid plan for what to do with your money each month? Would you make different choices? Have different priorities?

We have seen it time and time again. Poor financial decisions steal peace of mind and destroy relationships. Proverbs 22:7 teaches us that "The borrower is servant to the lender." Many people find themselves slaves to debt, struggling to make ends meet each month. Luke 8:14 describes this condition as being "choked by the cares and riches and pleasures of this life."

The vision of Financial Peace University is two-fold:

1. To TRANSFORM our society, giving families HOPE to find the PEACE and FREEDOM that comes from financial responsibility.
2. To find an everlasting peace through a relationship with the "Prince of Peace," Christ Jesus.

May God bless you as you help us spread the message of hope!

In Christian Love, your fellow co-worker
Louis Falzetti
FPU Director
Matthew 5:16