Dave Ramsey?

Why do I promote Dave Ramsey's The Total Money Makeover financial system so much, and not make a dime from him?  Because he taught my wife and I how to manage the ones we already have.  His system has changed my household's life forever.  His system will have us debt free in 2018... COMPLETELY!

You are probably asking yourself, "So what is the cost of this miraculous plan?" We have already made back what we put in, by the amount of debt we were able to pay off.  All it cost was a class that gave us all the materials we needed for $100 (price at the time, and will fluctuate due to sales).  You can go to one of his Smart Money events, and pay way less than that to get the same information. We, on the other hand, wanted to be able to go to any class ---anytime for life just in case we need to keep the information refresh in our heads. Yep, you heard me right ---for life.

This is not a gimmick. This is not a "get-rich-quick" scheme.  This is changing the way you handle money. This is changing your life, and your children's life, forever.  Sleep if you will, but know there is a better way to live.  You don't have to be in debt and can get out of debt.  Be just as weird as my wife and me, because being broke is the new norm.  Why not choose freedom.  Thank you Dave Ramsey; your system works.

James C Ellerbe

James C. Ellerbe was born, and currently lives, in New Jersey with his wife. He graduated from Hackensack High School and Gibbs College (formerly in Livingston, New Jersey) with an Associate’s Degree in Computer Network Administration.

He has appeared on a BET’s "Buy The Book" and a non-taped edition of the world-renowned "Showtime at the Apollo" showcase in which he and other poets helped promote the first spoken-word event at a venue called "Poetic Battles." He represented New Jersey’s team for this event. He also performed at the Kola Note (Site of Montreal, Canada’s Jazz festival), Elizabeth High School, Rutgers University, NJIT, Fairleigh Dickinson University and Sarah Lawrence College, and appeared on WLIB Radio NYC.

Recently, James was also a finalist for the 2017 Indie Author Legacy Award for Poet of the Year, and featured author at the BCCLS BooksNJ 2015 and 2017 Book Festivals at Paramus Library in Paramus, NJ. He also wrote and co-produced his three-act play, "A Dream Preserved." "Beyond the Event Horizon" is his first book of poetry published in April 2015 by Let It Flow Publishing, and "Pulsar" is his first spoken word album released by Not Enough Words LLC on April 2018.