5 Money Lessons Learned From the Gridiron

DAVE'S eNEWSLETTER October 2012 | DAVERAMSEY.COM | View this email online? Click Here. | Forward to a friend

At first glance, football might seem like a complicated sport. Especially when you listen to guys like Peyton Manning bark out strange code words in the huddle. "Blue 22, Red 17, Counter, Denver 20 … 55 is the Mike, set, go!" What in the world does any of that mean? Well, your guess is as good as ours. And apart from a few private lessons with Manning, I doubt we'll ever figure it out. The good news, though, is that you can learn some other stuff from football—you know, important life lessons about money, leadership and all that—even if the play calls don't make sense. Read more. 3 Threats to a Secure Retirement A volatile stock market, skyrocketing health care costs and cuts to Medicare and Social Security don't threaten your retirement as much as these three things. Find out how to secure your retirement. The Booming Generation: How to Deal With Your Boomerang Kids Most grown children shudder at the thought of moving back in with their parents. All parents should shudder at the thought of their kids staying too long. Read this advice for talking with your boomerang kids to make the most of the temporary situation. The Gold Standard: The BBB Sets the Bar High The BBB reviews more than 4 million businesses each year and deals with well over a million complaints. Only 23% of businesses earn the coveted A+ rating. Learn more about how businesses achieve this rating. DaveRamsey.com Month in Review • The Dave Ramsey Show: A Look Back at 20 Years • Financial Football: Build Your Winning Team • Martha's Recipe: Pumpkin Spice Cupcakes • How One Family Got Out of Student Loan Debt   Dave's Money Tools Other Great Tools Totally redesigned and easy to use! Start taking control of your money with the online Gazelle Budget tool! Learn more! The Goal Tracker The Debt Snowball Investing Calculator Mortgage Calculator More Money Tools Also Included in This Issue: Stupid Tax: Student Loan Payoff Confusion We Did It!: I Always Kept Focused to Get Out of Debt Get Plugged In! Where's Dave? Employment Opportunities New Radio Station Affiliates Where's Dave? Living a Legacy October 4, 2012 – Fresno, CA October 25, 2012 – Denver, CO November 7, 2012 – Seattle, WA Total Money Makeover LIVE! October 6, 2012 – Southern California EntreLeadership 1-Day October 3, 2012 – Phoenix, AZ October 24, 2012 – Houston, TX EntreLeadership Master Series October 14–20, 2012 – Orlando, FL Want to bring one of Dave's speakers to your group or event? Find out how. Radio Affiliates Find a station near you! There are more than 500 affiliates nationwide. City & State Radio Station Air Times Lexington, KY WJMM FM 99.1 & WLRT AM 1250 M–F, 2–5 p.m. CT Salisbury, MD WXDE FM 105.9 M–F, 7–10 p.m. CT Austin, TX KJCE AM 1370 M–F, 12–2 p.m. CT Petoskey, MI WJML AM 1110 M–F, 2–4 p.m. ET Traverse City, MI WJNL AM 1210 M–F, 2–4 p.m. ET San Bernardino, CA KCAA AM 1050 M–F, 1–2 p.m. PT & 10–11 p.m. PT

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