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Dave Ramsey ELP

Real Stories from Real People
$12,000 stupid tax with the click of a button
"My wife and I decided to consolidate her student loans. The website made it easy and seem like a great idea. We went with the 20 year "graduated plan". What we didn't know was that "graduated plan" meant interest only for the first 5 years, so..." Read More

Original story submitted by Peter, September 6, 2011

$0 to $37,000 and back again... Not worth it.
"I was a college sophomore with no debt and my parents were pretty much paying for everything. The only thing I didn’t have was a car. I had a job that paid enough to take care of a car payment so I thought, huh, I want a truck! So..." Read More

Original story submitted by JimCraig, August 18, 2011

Dream of education turned to nightmare of DEBT
"All my school life, I dreamed of the day I would leave the public school system and go into higher education. I mananged to get into the school of my dreams! And I could pick to study anything I wanted! Following the advice of "do what you love and..." Read More

Original story submitted by Grace, Canadaon August 17, 2011

Building my credit
"When I was 18 my stepdad told me he was going to by a property in my name to help me "build my credit" I didn't think much about it he was a successful real estate agent and knew what he was doing. Then the markets crashed and..." Read More

Original story submitted by Tif24, August 17, 2011

I can afford it...I think...
"After college I got a job that paid a little more than minimum wage and had to drive 50 miles round trip. I was driving the car my parents purchased from my grandparents when they couldn't trade it in for much. I picked up a 2nd job ..." Read More

Original story submitted by Aaron, August 4, 2011

Dave Ramsey's Seven Baby Steps to Get Out of Debt

Get out of debt the same way you learned to walk—one step at a time. Dave has taught these principles to
millions via radio, books, Financial Peace University, live events and online.

Here's the process:

Baby Step 1
$1,000 to start an Emergency Fund
An emergency fund is for those unexpected events in life that you can’t plan for: the loss of a job, an unexpected pregnancy, a faulty car transmission, and the list goes on and on. It’s not a matter of if these events will happen; it’s simply a matter of when they will happen.
Baby Step 2
Pay off all debt using the Debt Snowball
List your debts, excluding the house, in order. The smallest balance should be your number one priority. Don’t worry about interest rates unless two debts have similar payoffs. If that’s the case, then list the higher interest rate debt first.
Baby Step 3
3 to 6 months of expenses in savings
Once you complete the first two baby steps, you will have built serious momentum. But don’t start throwing all your “extra” money into investments quite yet. It’s time to build your full emergency fund.
Baby Step 4
Invest 15% of household income into Roth IRAs and pre-tax retirement
When you reach this step, you’ll have no payments—except the house—and a fully funded emergency fund. Now it’s time to get serious about building wealth.
Baby Step 5
College funding for children
By this point, you should have already started Baby Step 4—investing 15% of your income—before saving for college. Whether you are saving for you or your child to go to college, you need to start now.
Baby Step 6
Pay off home early
Now it’s time to begin chunking all of your extra money toward the mortgage. You are getting closer to realizing the dream of a life with no house payments.
Baby Step 7
Build wealth and give!
It’s time to build wealth and give like never before. Leave an inheritance for future generations, and bless others now with your excess. It's really the only way to live!
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ECI Agency is an ELP!

Why Use An Endorsed Local Provider?

ELPs give great customer service and are easy to understand.

The ELP program is designed to help you make money and save money.

ELP professionals meet the following requirements:

  • Have the heart of a teacher
  • Put the client’s needs first
  • Have proper licensing – active license and in good standing
  • Agree to help clients based on Dave Ramsey’s principles
  • Independent Insurance Agent actively marketing policies from multiple carriers.
  • Actively marketing major medical PPO's, HMO's, and HSA's
  • Insurance sales must be a primary source of income (not a part-time job)

ECI Agency
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Please note that we cannot bind insurance via email, fax, or phone. Any quotes given are subject to underwriting guidelines by the respective insurance carriers. Any reference of coverage used are not intended to express legal opinion as to the nature of coverage, but rather just a brief generalization of coverages. Please read your policy for specific details of coverages.

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ECI Agency, Inc. | 325 Piedmont Rd N | P.O. BOX 600 | Piedmont, OK 73078 | Phone: (405) 373-2977 M-F 8am-5pm