 Hey, it's Dave Ramsey. When I ask people how they became debt-free, so many of them say it all started because their church offered Financial Peace University. If that's part of your story, you can share that same hope by leading an FPU class at your church. And I'm telling you, a lot of folks need that hope. Most people put on a smile on Sunday morning, but they're secretly buried under debt payments and can barely keep up with their bills. That's not okay. But you can do something about it.