 It's time to get moving. Don't live with money stress anymore. Start FPU today at RamseySolutions.com slash FPU. That's RamseySolutions.com slash FPU. Most people know me as the guy who did stupid with a lot of zeros on the end. I made my first million dollars in my 20s the wrong way and then went bankrupt. That's when I set out to learn God's ways of managing money and developed the Ramsey Baby Steps.