John Ratcliff grew up listening to the Dave Ramsey show on his fathers truck radio, and understood listening to the peoples stories of struggle should be used as a lesson in how to manage money correctly. He learned that in order to live like no one else, you have to live like no one else. He made it through college and by the age of 26 was debt-free and had secured a mortgage on his home.

Even though the Ramsey Show has been on the air for 30 years, John still saw that people were living in debt, spending more than their making, and perpetuating the cycle of credit overlords! He has decided to take a stand and enrolled himself in Ramsey’s Financial Coach Master Training, and has become a Ramsey certified coach, ready to help the people around him who know that life would be easier if they didn’t have any payments.

How nice would it be, to wake up at the start of the month, and the only person you have to pay is your utility and insurance? That life isn’t a dream, it’s available for anyone who is willing to learn the skills to manage their money. John doesn’t hold the key, you do, but he is standing at the door ready to show you into a new life of financial freedom.