Sharing Our Debt Free Journey from the Mountains of Appalachia

In this video Matt and I share our debt free journey. We think becoming debt free is the best thing we've ever done for our family. Being out of debt has allowed us to remove the worry of how to make all our payments each month and has also allowed us to bless others in a larger way.
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[@JackFrem-rz4nd]

I'm a father of two who bought a house last year. For me, it was a major turning point! In addition to feeling the effects of the economic downturn, I'm lucky enough to enjoy a respectable monthly income from wise investments that I've made. I have therefore meticulously prepared for my retirement following my children's graduation from college.

[@CelebratingAppalachia]

That is great!

[@gracejoy8230]

Wow, interesting indeed! Currently I'm in need of investment ideas or tips. Earlier this year I hesitated and failed to take any action until now. However, I'm determined to try something new as I am very open to various investment ideas . I want to be retired in my forties or fifties. I really wish I can achieve what you have achieved and I believe it will happen

[@JackFrem-rz4nd]

It's essential to comprehend the complexities of investing. Having a trustworthy support system, such as a financial adviser, who can advise you is crucial, especially when choosing assets.

[@gracejoy8230]

Thanks for your advice, but you know it's hard to get a trustworthy financial professional around here, who can you recommend

[@JackFrem-rz4nd]

Generally, investing requires higher knowledge. For this reason, it's important to have a solid support structure to guide you through especially in asset picking. I recommend Alex martin tarlor who is an investment specialist who partners with a licensed wealth management firm. For the record, his experience has been the best for my finance

[@jackieellenbarnes1268]

I’ve really enjoyed the advice from you both. I’m a Widow who Struggles at times. But, God has seen Me through.

[@Preciousaccordingto977]

I learned the out of debt idea through the money wise guys decades ago! Since my husband and I’ve been married 10 years we’ve paid off 3 homes, 4 th & last us being paid off fast. The mortgage is the only debt we have and anticipate. That being paid off in 1-2 years. We have no vehicle payments! I personally have not had one since the late 90’s! Love not having payments!!! And it does free you up more to give!

[@grammys02]

My husband is the saver and I’m the spender. But, as of yesterday, I’m giving up going to Dunkin Donuts every morning before work and spending $30-40 a week on breakfast. That’s a savings of $120-160 a month! I planned out breakfasts to eat at home and I’m making my own iced coffee. I can’t wait to have some money in the bank! Thank you for this important video!

[@briannemorna4268]

Congratulations.

[@CelebratingAppalachia]

Wonderful plans 😀

[@williamread5652]

You’ll be a lot healthier as well!

[@nadiar.7788]

Good for you! How's the plan going?

[@christaludwig9395]

I always love to hear when people are debt free! We have no debt and we pay cash for everything. If we don’t have the money to pay cash for something then we don’t buy it. So glad your girls took the course and I know they will be grateful that y’all made them take it. I’m so glad you shared this and hopefully it will encourage others to start their debt free journey.

[@patriciap8323]

Tipper, I always knew that you and your family are special, kind and Godly people. But after this video I’m certain. Your goodness and kindness shines through!! God bless you and your family.

[@cajunlane3191]

I'm 80 years old and I can remember the first time we got air conditioner when I was a kid. It was put in mom and dad's bedroom window. the funny thing about all of it was mom cooked the and we would fix our plates and going to the bedroom and sit around the bed where it was cool. Before that all we had was an attic fan that would pull cool air in through the windows. We would only open the bedroom windows 2-3" and close all the other windows. Of course, we also had an outhouse out in the backyard. Getting an indoor bathroom was another story. But truly, those were the good old days 😁😉.....

[@ShellbackUSN]

Great story. It sure feels good to not owe anyone. My parents were very conservative and wouldn’t buy anything unless they had cash to pay for it. They are both in heaven now and I thank them in my prayers daily for everything they taught me. Here’s a good memory for me…. When I went into the Navy and finished my A school, I went home on leave and needed a new truck to commute home when I was not at sea. They went with me to purchase the truck and co-signed for the loan. My mom was adamant that I take the shortest loan as possible and send her my monthly payment and she would pay the bank. Three years later the truck was paid off and I came home on leave. They handed me the title and an envelope with a substantial amount of cash in it. Without me knowing, they had paid off the truck immediately and put what would have been the interest into the envelope to present to me when I came home. A life lesson I will never forget. I miss my mom and dad tremendously and am so grateful for their love and life lessons.

[@CelebratingAppalachia]

What a great story and great parents 😀

[@ShellbackUSN]

@@thelmaivers-cg4wp thank you!

[@KeepMeLord05]

Great story, ty

[@ShellbackUSN]

@@KeepMeLord05 you’re very welcome. I am glad to be able to share it and so thankful for the wonderful upbringing our parents gave us.

[@deannehuizenga4845]

So good you encouraged your daughters to take the class too! I too am debt free and feel just like you, never want debt again! Love you both!

[@memorysmaid9551]

My husband and I took the Financial Peace University classes at our church the fall after our oldest daughter had gotten married. We had mortgage, car payment, wedding expenses and some other regular monthly bills and were always fighting about money. The course helped us get ourselves organized with a budget and we learned how to talk about money without blaming and arguing. With what we learned, we were able to pay off our mortgage seven years early and I was able to retire a couple of years early too. We are both retired now, totally debt free including the house, and so happy to be.

[@uscgalpha91]

My wife just dug her heels in and would not stop spending money increasing debt year after year. Finally I divorced her. I’m enjoying a retirement and she has to work till she dies. Everyone has to live with choices

[@benitastevens612]

Loving this talk! Always worked on my budget. At the end of the year that is what I do. Retirement has been a big problem for us. Retirement money has not been as much has we would like to have, so here is where a good budget helps Keeps you on track. It works and being faithful in making the budget work helps us . Our children are good in helping and we ask God to help us to stay on track. Thanking God for all the blessing he gives to us.

[@saner6888]

Debt free equals stress free living. Only thing that scares me is unexpected medical bills, insurance is not always easy to deal with!! Glad things are looking sunny for ya’ll💛☀️💛

[@markcole4736]

Like you two, being debt free feels better than anything material money can buy. I too have lived under the pressure of debt and know the misery of debt slavery. The freedom and peace being debt free gives is worth the effort and all. I hope my 17 year old believes this way of living and never has to feel the pressure of debt to embrace being debt free. Thanks you all for sharing your story.

[@kimberlykelly7280]

I’m not debt free but I am able to live within my means. Thank goodness no credit card debt. My strategy is saving money for property taxes, insurance, emergency money, pet vet bills, etc. every month set aside into separate sub accounts as automatic transfers. Gives me peace of mind knowing the money will be there when I need it. It’s terrible the stress money (or not enough) can cause you until you figure it out. Never heard of Mr Ramsey but I will tell my family about him. Thanks again for sharing and more good advice!

[@katherinehepperle4630]

Five years ago we sold our home in Oregon and made enough to pay off that mortgage. We moved to southern Alabama and bought a larger home on 2.5 acres for cash, left over from the sale and move. We are debt free and if there is anything we need we save for it. Owe no man but to love him.

[@richardtirrell1153]

My lovely wife and I have been married 49 years and I can tell u for sure it just gets better..we were given a home my grandfather built in 1851..with nob and tube electric wiring and all because we had no morguage..we were able to upgrade all the wiring. And a new .furnace..all the windows and doors...we even upgraded all the plumbing..and because I did all the work the cost of everything was about 28 thousand 49 years ago .today I'm sure we could not afford all that .I helped build houses with father and brother besides my full time job..today we are once again debt free..and we gave the home to our daughter and her family..my wife and I have shared a life time together ❤ and we are just as happy today as we ever were..keep up the good work ..when things got tough in life I went hunting or fishing to fill the freezer.. we ate well between the garden and the meat 🍖 freezer .we made 92 jars of grape jelly one fall

[@carolynwright3026]

Thank you!! A modest income goes along way when you are debt free! That is a blessing:) and no better feeling than to be in a financial situation to bless others ❤!

[@CelebratingAppalachia]

So true!

[@chrissapp9243]

What Matt said: "There's nothing I want bad enough to make me go into debt to get it... I'll just do without." That's the recipe for success on this path. If there was such a thing as having a mantra, I can't think of a better one to have. At times, especially when it's easy to borrow, it can be hard to stick to. Keep his words in mind, folks.

[@faegrrrl]

Please make sure any program you get involved in isn't tied to Bill Gothard or the crazy L.A. Tom Cruise "science religion". Just looking out for you. 🙏❤

[@joannecomanic5940]

Wonderful, great video❤

[@deedeeamberson5862]

My husband and I did the same paid off our house and any debt we had.Wasn’t much. Then we both retired. What a great feeling not to owe anything. We both got our time back in to retired. We even had a savings account. But what a great feeling to be indebt free.ps. We never lived high on the hog. My husband started trade school to be a union carpenter and I start ed working at 15. And retired from our local school district. I’m glad we were able to retire when we did. Debt free felt so good.

[@bettyswinford5886]

My dad preached to me about saving money from the time I was very young.I thank God for my daddy and his teaching.He made me realize how much you wasted by making payments on a car or anything else.He wanted me to pay cash for my cars every time I got one but when you are raising your children and having to work it was impossible to do.I have paid cash for three cars now and the one I have now I hope will be the last one I will need.I feel like we have been on the same road and understand how it feels to be debt free.I enjoy watching y’all so much,it almost seems like family.May God continue to bless you and yours.

[@LLWS26]

You two do a wonderful job of listening to each other, allowing one another to finish their thought, and sometimes repeat back what you heard as well. You do it so naturally but it’s a recipe for a healthy and happy marriage. Stay blessed and thank you for the tips!

[@sylviaashworth5851]

This is such a much needed video to encourage people to make a decision to work and plan on getting out of debt so they can live better and with less stress. I got Dave Ramey’s books many years ago and got motivated to do it. Now in my sixties I’m so glad I did. Local libraries usually have his books and a lot of churches offer his classes. I enjoyed hearing y’all journey of getting out of debt ❤

[@marilynpeppers1356]

May the Lord use this good advise to bless someone to get help them get out of debt! So good! On the flip side, whenever long lost acquaintances start coming out of the woodwork to see if they can borrow money, you’ll have to tell them it’s tied up in CD’s.😂

[@eunicestone6532]

Matt jokes about being married but I think he's as happy and content as a pig in the mud. Congratulations on 29 years. Many more!

[@Kim-qt7yn]

Life goes by fast for sure! Dave Ramsey Financial Peace University really works. I am a grad and a fan of debt free living-it is achievable and the peace it provides is priceless. No shiny bauble or car or trip is worth going into debt for. I love to bless others - it's a gift to yourself that others benefit from. Thank you both for a highlighting a key element to live your best life!

[@Dougeb7]

So happy for you! My wife and I were so debt-riddled we were living paycheck-to-paycheck for awhile. Now we've paid off some debts and are rolling that money into others. We hope to be where you are in a few short years. Thank you for sharing your hard-earned wisdom. God bless!

[@CelebratingAppalachia]

You can do it! Thank you Doug 😀

[@sharroncasey9739]

So blessed by the Lord, To be debt free..been married 38 years, and our daughter n son in law have been married 17, and are debt free..alot of doing without things we wanted n some things we needed, and had to trust the Lord for..we love to get to bless others, and not let it be known if at all possible..Gods good to me n my family..loved yalls testimony of yalls journey to be debt free..tfs.

[@fayecartwright4202]

my Husband and I celebrated our 50th anniversary 3 months before he died. He was a Vietnam Veteran who paid the ultimate price, it took it that long to kill him. When you celebrate that many years and raise 3 amazing children together, you think about how that much time passed. But, it did and I realized that through everything, we had an amazing life together and raised our children to be amazing. They sure took after their Dad! I live in SW Alabama and a lot of what y'all do is so much like we were raised and lived our lives. I love watching your family.

[@CelebratingAppalachia]

I'm so sorry you lost him. And I'm very grateful for his service!!

[@TheBinfordMan]

It's so much easier when both people are on the journey together. It's been 26 years of two people with two completely different perspectives on finances. I applaud you both for working as a TEAM! It's what happens when you are "equally yoked" pulling in the same direction Spiritually and in everyday life!

[@enlightenedhummingbird4764]

Absolutely true! I was in that boat for 20 years. I had to pull that anchor in 2012, lest I go down with him. So many expensive habits / addictions. Current hubby is in line with me. Huge difference!

[@TheBinfordMan]

@@enlightenedhummingbird4764 Congratulations to you both!! Proverbs 14:1 The wisest of women builds her house, but folly with her own hands tears it down. Proverbs 19:14 House and wealth are inherited from fathers, but a prudent wife is from the Lord. Got into a big "discussion" about not putting her on the business bank account. Now we are basically roommates with everything separate. People are saying she has plans to leave in the near future. I'll never trade being debt free for anyone. Proverbs 21:19 It is better to live in a desert land Than with a contentious and vexing woman. Proverbs 25:24 It is better to live in a corner of the roof Than in a house shared with a contentious woman.

[@brendawoods554]

My husband and I have been married for 53 years, and we are debt free, I agree that it's a wonderful feeling. Glory to God.

[@CelebratingAppalachia]

How wonderful!

[@Touch0fR3d]

Glory to God indeed!

[@beverlybenson9981]

The Lord always meets your needs long before you know you'll need it. When we would come in to extra money, we would put it aside. Eventually, that money was available for a need we didn't know was coming. It has happened more than once in our 57+ years of marriage. He is faithful. He will provide.

[@cumberlandquiltchic1]

That is so wonderful!! Im as debt free as I can be. I still have homeowners taxes (city and county, which consistently go up. This year was right at 40% for me). I have insurance on house and vehicles. I have propane and electric and other basic utilities. I have maintenance on my old house, which is constant (new roof and windows and floor in kitchen are immediate needs). Yard maintenance (i cant do it anymore.) is well over $100 ea time. Vehicle maintenance and taxes. It isn’t goes on… My point being, we are never out of debt. Never. Especially when you are alone, like myself. However! Yes, it’s good to be debt free. It’s good if you have a family to hep each other also.

[@conniemcbride2137]

@@cumberlandquiltchic1 ,

[@debbieriddle9429]

My Granddaughter and her husband are debt free doing the Ramsey program. She's a nurse and he's a police officer. They have 4 children...one 18 still living at home...working...and 3 younger. It took them a little over 2 years. They told us all about it, and we are doing the same thing. We've paid off a lot of debt in the last year. If everything goes like it is now, and my husband and I stay healthy, and the work holds up...in one year everything will be paid off except the house, and we'll be working on that. I love climbing in my 2006 Lancer...with no payments...she gets me where I need to go. Thank you for the encouragement to keep going. Congratulations to you both!

[@johnnyweaver1300]

We lived like you did most of our lives, but I started a lawn service & it helped with things we needed & now I'm totally out of debt I owe no one thats what bible says owe no man anything! I'm now saving half my paycheck, & its going for retirement, I didn't take any course I just figured out being out of debt is freedom, I have no worries & a lot less stress! But this hopefully will help many ppl!👍

[@CarolynnMc01]

Tipper, Matt really surprised you saying he'd take that class! I got a good giggle out of that since you were convinced he'd never do it. I'm glad to hear your story and what happened with your debt. I've been retired for a while, but I don't have a retirement, just social security retirement. I am 67, was always a hiker, so five years ago I decided to dog sit for people while they're on vacation. It's worked out! But 2020 and 2021 was stifling and I got into dome debt. It was around $2000, but that was a lot for me. I've managed to get it down about $600, but this year I have a lot of work, so I intend to have that paid off soon. I don't feel like I'm drowning in debt, but I worry about it. Your talk has helped me to realize I can cut back on certain things. Thank you from the bottom of my heart! Blessings sent.

[@robertfox499]

Fascinating story. Thanks for putting it together. In North America, the psychology of debt is so pervasive. You guys are very fortunate to have broken free of the 'group think' of revolving credit and debt. You are both way smarter than you think. Praise the Lord! Yes, Tipper! Get it in writing. I always tell insurance companies and medical practitioners that THEY too are being recorded on any phone call (I usually say it while they are shuffling me around on the phone). The idea everywhere now is to keep the consumer as confused as possible. I've actually heard executives say those very words behind closed doors in just about every industry I have worked in. BTW: Matt you are not 'backwards'. You remind me of my dad: Hard working, serious, modest and devoted. When you are those things... sometimes extra-curricular social engagements are the thing you dread the most. My dad had a sense of humor, but most people thought he was backwards. This is because he had a very low tolerance for idle BS. Job well done, you two. God bless and protect you and your family.

[@CelebratingAppalachia]

Thank you Robert 😀

[@pms1953]

I love your story. I started out two million in debt and I’ve pain it down to three hundred thousand and we are still working on it. We are 70 years old and my husband works part time and will continue till we get out of debt. Thank you for your story

[@FernandoOcumarez]

" We've spent more time together than we've spent apart " That's a Blessing! Congratulations 🤗God Bless!

[@TomokoAbe_]

Amazing testimony and much congratulations being debt free. My health insurance (along with auto, flood, homeowner's) is very expensive but I do my best to stay debt free

[@EileenRatschki]

This is officially my favorite Celebrating Appalachia video! Matt had me laughing out loud for the first two minutes! And the story of how you two worked to get yourselves debt free was inspiring. Thank you both (and the girls & granny & Austin) for sharing your lives with us here on this channel. Wishing you all a blessed Easter.

[@CelebratingAppalachia]

Glad you enjoyed it! 😀

[@marietgonzalez5622]

I love watching the two of you, together. It’s like having friends over for a chat.

[@jankitteringham8483]

Mortgage and transport are essentials in the early days , we had camping holidays which were wonderful. My late husband always said you have to love what you have and make together. Wise words. ⭐️🥰🇬🇧

[@cindydevine173]

Matt is a hoot! Thank you for sharing your life stories with us. Have a blessed evening.😊

[@paulwatters1896]

What a delightful couple (and family) you all are. I enjoy stopping by KZbin every now and then to watch you from up here in Canada. You are such an inspiration to all. You are “salt of the earth” people. I love learning about your food, culture, and love your southern accent. You would probably think I have the accent LOL. I wish you at least another 29 years of peace, joy, love, and prosperity. Thanks for sharing your life’s journey with us.

[@9liveslisa]

Congrats on getting debt free!!! I watch Dave Ramsay on KZbin every single day. I always learn something. Being debt free is the only way to go. No more worrying. No more robbing Peter to pay Paul. It's the best!

[@RosieDay61]

Debt free for 16 years, it's a great feeling

[@CelebratingAppalachia]

That is wonderful! 😀

[@kaygalloway4315]

There is no better feeling as when you make that last mortgage payment and you don’t owe anyone anything!

[@Clfike]

I’m SO thankful to be debt free, especially being a widow.

[@lindafox9969]

Great message for us on being debt free. I love you and your family and your down to earth living.

[@tonistephens4068]

You both are so precious! I am glad that you are debt free. What a blessing for Miss Cindy to bless y’all like that! Praise God!

[@Home-GardenFun]

👋🏾It took my husband a year to convince me to even read Dave Ramsey’s book on financial peace, but I finally did and it was game on! Financially we were sick and tired of being sick and tired! With God’s help, we paid off a whole bunch of debt in five years. Now we’re both retired and are so glad we lived like no one else for those five years so we can LIVE LIKE NO ONE ELSE NOW. Praise the Lord👏🏾👏🏾! Watching your videos takes me back to my childhood and being raised by my grandparents. You’re a lovely, refreshing family. God bless.

[@CelebratingAppalachia]

Wonderful!! So happy for you both 😀

[@jimmychandler3760]

Great video tipper keep up the great work yall are doing

[@millie8984]

Your videos are the best. So real, so authentic. The true joy on your faces when saying how wonderful it feels to be debt free...Congrats. I think you two are the most relatable couples on KZbin. Love popsicle time in the garden, your cooking and when Matt cooked on that colman stove.

[@CelebratingAppalachia]

Thank you so much!

[@sokphyblakeman9873]

What a great story. You can’t spend more than you earned. My mother in-law always said, if you make $100 put away $50. I didn’t believe her now she’s a millionaire. I’m still poor. But didn’t owed any debts though. Just don’t have an income each month or week. I told my children to follow my mother in-law advice now they’re debt free in their 30s. Thank you for sharing your experience and may the Lord bless you and your families.🙏🙏🙏🙏❤️

[@dbond309]

I loved this video so much! Thanks so much for sharing your story.

[@yvonnemcmahan9037]

Thank you both for a educational video. It is nice that Matt wanted to do it with you.

[@preppedforeternityhomestea2848]

Thank you for sharing you story!! A blessing as always to watch and hear your great stories. Congratulations on being debt free

[@rogerlawson5833]

We got out of debt when we were 50. It is wonderful! We are like you all b/c we never made a lot of money but feel well off because we have no financial pressure even in these times of high inflation. We are from southwest VA and identify with your country life totally. I wouldn’t want to live any other way. Love to you all! Joan

[@CelebratingAppalachia]

Thank you Joan! So glad you are debt free too 😀

[@littlegoldiesbooks]

Good for you! Thanks for sharing this important information.

[@stevehood79]

Awesome! Thanks for sharing! God bless!

[@hereigns7221]

This is one of my most favorite videos you’ve made. Thank you! So inspiring! ❤️❤️❤️

[@patriciaharlen4823]

This is a great video Matt and Tipper. It's going to help encourage people. Times are hard for so many and really people have always struggled.

[@user-dg2fs3nc9c]

What a wonderful story. Thanks so much for sharing!

[@suzyschore5014]

Thank you for sharing such wonderful wisdom. Love your channel. 🎉❤

[@klh2m661]

Thank you both for the inspiration! Good to hear from those who’ve been through it. Debt is slavery into which you sell yourself, my mommy told me for years and it was a hard lesson for me to learn.

[@kevinramsey3490]

That's an awesome and inspirational story. I finally got debt free and I love it. I pay cash or I don't get it. My wife doesn't particularly like it sometimes but if we need it, we save until we can buy it. Matt, I'm in Kentucky. If you ever want to hunt here, you're more than welcome to. I'd like to talk guns, gear, and hunting with you.

[@TheCrackerBox]

That’s awesome , Thank you for sharing your story with us !!

[@wendygardener2316]

Thanks for sharing your story!

[@erin-sl3up]

I celebrate with you and Matt for being debt free. God Bless you both

[@lenelldevereux2284]

Thankful you did this video…folks will get the benefit of your journey I am a big advocate of being debt free. Its the most freeing feeling.

[@jamesparham1467]

Thank you for this important video!

[@Scout-bt3mo]

Thank you for sharing your story.

[@garybrunet6346]

What a great lesson! It’s so nice hear you and Matt’s story about debt. We have credit cards but we pay off the balances when the bills come in.😊🇨🇦

[@jillians1138]

Thank you both for sharing this story and for keeping things real and providing some guidance for those of us still figuring things out, thank you both! Much love from your neighbour to the great white north eh 🇨🇦

[@CelebratingAppalachia]

Our pleasure!

[@tanya334]

Will definitely take your advise , thank you 😊

[@deanlibby5878]

Thanks again Tipper for another great video 👍🙏

[@donnahawkinsharper8344]

Thank you both so much for sharing your journey. You’re right, life goes by so quickly. The schools need to teach this to kids. Being debt free is such an amazing and peaceful feeling. If only we didn’t have to pay power bills right???? Oh & insurance but, it’s great knowing that’s all you have to worry about. Have a very blessed week leading up to Easter. 😊❤😊🙏🙏🙏🙏🙏🙏🙏

[@CelebratingAppalachia]

Thank you Donna 😀

[@cheriebrantner5543]

This is a wonderful way to bless your family by taking this path. I did as a single mom with 2 children. Little did I know but my youngest son was watching me do this. He is grown and living life using the same tools Dave Ramsey taught us. 👍

[@CelebratingAppalachia]

That is wonderful 😀

[@sippingtea4743]

Ramsey Financial peace. Debt free including the house every day millionaires. Raised my kids this way. One of my kids now works did Ramsey and all kids debt free in their 20s. Highly recommend this.

[@marilynpeppers1356]

I love your comment! 🌟💚🌟💚🌟💚🌟

[@debbie931]

What a great story y’all shared. Reminds me of a saying that I’ve always said, Use it up, wear it out, make it do, or do without. We actually don’t have to have everything to be happy. Great testimony!!❤

[@ashleylovepace1941]

Thanks for sharing! Y’all are fun

[@belindacopson2390]

I enjoyed hearing your story, thank you for sharing.

[@rhondabutler4172]

We went on our own debt-free journey many years before Dave Ramsey started his program. I think he is very wise on how he advises people. We were able to retire when we were 51 years old due to living a debt-free life. It is a wonderful example to show and teach your children. We would not do this any other way. We have been blessed immensely. Thank you for sharing your story and encouraging others to share their story as well. It is a good feeling to help others be debt-free as well.

[@CelebratingAppalachia]

That is wonderful Rhonda 😀

[@dianajones1068]

Congratulations for going on 29 yrs of marriage and living debt free. Financial peace is a blessing. Thank you for wholesome videos!

[@CelebratingAppalachia]

So glad you enjoy our videos 😀

[@joecamel8182]

Love seeing Matt on videos. You folks are a great family.

[@algilmer3608]

This is such an honest, and fantastic share! Thank you so much for your openness. Y'all have such kind hearts!

[@gerardkelly6316]

Thank you for this talk about how Dave Ramsey gave you instructions on how to organise yourselves out of debt. I'm at a point in my life where this may be the most important thing I learn this year.

[@nancypatterson868]

Tipper & Matt, You just told my husband and my story. We lived the same way for 40 years and then got out of debt also. God is so good! He has a plan. Miss Cindy was part of that plan when you started your debt free journey. I really enjoy your channel and thank you for sharing all areas of your life.

[@CelebratingAppalachia]

Thank you Nancy! So glad you are also out of debt 😀

[@circuspeanutrhl]

I needed this video more than you know, thanks so much for sharing… 😊❤

[@lianawelch5852]

I really appreciate this story,it is wonderful,God bless you and your family

[@missys6719]

Love your story! My husband and I started Dave Ramsey in 2010. We are now living like no one else!

[@meredithlynn]

It’s so important to understand your finances and live where debt is not the norm. We have been blessed and being self employed in farming for 30+ yrs has been challenging. We have had to separate our personal finances with our business. 12 years left to pay on our house and we are debt free. That will be the best day for us. My husband always has said never put a second mortgage on your home or land unless it’s a life or death situation. Buying good used cars and paying cash has helped us keep our finances in check. Not always fun but worth it. ❤😊thanks for the great video😊❤

[@claytonspann8032]

This is such a great wisdom, thanks for sharing. What a great story for others to learn from.

[@cheryllamb8831]

Wonderful. Such a testimony for all of us to take heed & to heart. Thank you so much.

[@justinehyre2975]

Excellent video!! My husband and I are retired school teachers. We aren't debt free but hope to be so soon and your story is something my Dad tried to teach all of us. But one reason is I have always been a 'helper'. My Dad always told me I was like my little Irish grandmother, his mother, in my giving!! I have helped many of my siblings when they needed it. I am the second of 7 and I am blessed to have been able to do for someone who needs help. I will do as much as possible. Thankfully all are financially stable now. God blessed you both. You are a great couple to watch.

[@stokely418]

You two are so smart for taking the debt free class! Thank you for sharing your experience and struggles.

[@CelebratingAppalachia]

Thanks so much!

[@rhondalampe6676]

Yep! Thanks for sharing! You two are the sweetest people ! Thanks for thinking of us - being debt free- it’s something I have struggled with . Hearing u & Matt has put fire under me to do better . ❤ & Prayers

[@SandyzSerious]

Excellent presentation!!!! So helpful!

[@clarencewood1363]

Yall are a wonderful inspiration to me. I'm trying hard to get out of debt but it just seems that no matter what my wife and I do everything goes all to pieces about the time things start looking up. We won't quit because we're not quitters.

[@CelebratingAppalachia]

I know you'll get there!

[@charlenebain5341]

Always watch your videos. Must say this was one of the best. My husband and I can relate to you guys. Became debt free in 1991, amazing feeling. We are old enough to be your parents. Lol. Great to see a young couple doing what we did. Huge difference between wants and needs.

[@CelebratingAppalachia]

So glad you enjoy them-thank you 😀

[@susanbowen4144]

Thank you so much for sharing your challenges.

[@mauranolan843]

It’s good its turned out so well for you. Best wishes❤

[@juliayoung537]

Love y'all both so much! I needed this today 😢 tomorrow would have been my husband's birthday

[@CelebratingAppalachia]

I know this is a hard time Julia! I'll be thinking about you!!