Credit card consolidation loans come with high fees and rarely make financial sense.

www.daveramsey.com/speakers
Chris Hogan stirs audiences to action wherever he speaks. Whether Chris is delivering a keynote on personal money management or teaching an all-day leadership training for business owners and professionals, your audience will be entertained and challenged.

Chris Hogan is a sought-after, diverse speaker who loves to challenge, motivate and encourage business leaders, real estate professionals, military personnel and students to be their very best—no matter what!

www.daveramsey.com/speakers

Borrowing money is advertised as “easy”. So, why not do it? The truth is, taking out loans can create big problems for kids. Debt Dangers tells a great story about Chelsea and Jack saving money, living within their means, and why kids should avoid debt. A book in the series “Marvels of Money … for kids”; richly illustrated, engaging and practical fictional stories for young readers about the fundamentals of money. This book supports emerging educational (K-5) learning standards for common core, integrating “life skills” and “reasoning skills” into the fictional but realistic financial literacy stories. Each story in the series includes essential financial words, which are highlighted throughout each story and then defined in a glossary along with summary concepts at the end of each story. 3rd-6th grade level readers will find the 2,500 word story and numerical examples great for reading, mathematics, social sciences and financial literacy! Younger (K-2) readers may skim the concepts in a picture book manner, as there are incredible illustrations on each page. Great real-along and discussion books! Messages to last a lifetime.