Be Here

Where are you right now? Are you really there or are you somewhere else? I recently spent a day with a college freshman. I spent it with her but she definitely did not spend it with me.

I get the feeling that while she spends some weekends on campus, she isn’t really there either. With her eyes and thumbs tied to whatever is going on inside her phone, she drifts along, not attending at all to the here and now.

If you’ve spent much time around teenagers lately this probably doesn’t surprise you. But you might be wondering: “What does this have to do with my money?”

The answer is a lot. If you are not winning with your money; if you don’t feel like you have a handle on things or you’re not achieving your financial goals, chances are, in this arena you’re just another teenager with a Smartphone.


No one is going to care more about your future or your money than you; so start caring. Turn off the phone, the facebook, the twitter and the TV and take a moment to evaluate where you are and where you are going – financially.

Check off Ramsey’s steps as you complete them.

Determine your net worth NOW and update it every month.

Start thinking about what it means to be intentional and present.