Jon Bos is an Endorsed Local Provider (ELP) of the Dave Ramsey Show for Investments in the Abilene Texas Area Who is Dave Ramsey? Dave Ramsey is the founder of the Lampo Group Inc., a counseling firm created to do bankruptcy avoidance counseling. Dave currently has an audience of over 1,000,000 weekly listeners of his radio show and speaks to over 100,000 people annualy at seminars. Dave has also authored several books including the New York Times best seller The Total Money Makeover. click on the image above to visit daveramsey.com What is an ELP? Endorsed Local Providers (ELPs) are professionals in your neighborhood that have been personally chosen by Dave Ramsey and his team to serve you. Not only are they top professionals in their field, they are fans of The Dave Ramsey Show and can't wait to get to know and serve you! The ELP program was designed to provide you with local service and to do it the way Dave teaches. Some common myths that Dave puts to rest. Myth: Car payments are a way of life and you'll always have one. Truth: Staying away from car payments by driving reliable used cars is what the typical millionaire does. That is how they became millionaires. Myth: You CAN get a deal on a new car. Truth: A new car loses 60% of its value in the first four years. This is the largest purchase that most consumers make that goes down in value. Myth: Debt is a tool and should be used to create prosperity. Truth: The borrower is slave to the lender. When surveyed, the Forbes 400 were asked, "What is the most important key to building wealth?" 75% replied that becoming and staying debt free was the number one key to building wealth. Myth: Everything will be fine when I retire. I know I'm not saving yet, but it will be okay. Truth: Ed Mcmahan isn't coming. Myth: I can get rich quickly and easily if I join these groups, buy this tape set, and work three hours a week. Truth: No one develops and makes a six figure income on three hours a week. Myth: I don't have time to work on a budget, retirement plan, or estate plan. Truth: You don't have time not to.