 Dave Ramsey started flipping houses in Tennessee when he was still wet behind the ears. He made a lot of money. He also held a lot of debt. And when the bank called his mortgage notes in 1988, he declared bankruptcy. I had the opportunity at 28 years old to start completely over with a finance degree and all these letters and licenses after my name. They said I was supposed to know something about money. Here I am broken. I can't even keep the lights on in my own house and my kids. I'm scared. And I don't ever want to be that scared again.