My name is Chris Sandoval.  I began following Dave Ramsey’s financial principals back in 2008 after witnessing several of my hardworking family members lose their jobs and homes.  Our family never talked about money therefore there was no guidance on how to use it properly.  I realized I would need to do things differently to avoid the mistakes I’d seen others make.  I attended Financial Peace University (FPU) and was hooked.  Finally, I had a straightforward plan that really worked.  Buoyed by my own success, I began leading FPU classes followed by The Legacy Journey (the FPU follow up course) and then was trained as a Dave Ramsey Financial Coach. The ‘Baby Steps’ work and I look forward to helping other families experience the same hope, freedom and success I’ve found through these Biblical financial principals.