If one had to sum up the financial problems in the world today, it would come down to the word debt!  Whether that be individual, local government, state government, federal government or even international entities such as the European Union, the problem comes down a lack of patience embodied in debt.Thank God for entities such as Crown Financial Ministries, Compass and Dave Ramsey who teach people to be disciplined in their finances.  After years of working with people who have gone through Dave's training as they delivered themselves from debt.  I would say that Dave's program is as good at it gets for striking a balance between soundness and motivational.  Dave he has put together a quality program for overcoming one's debt.  Dave coined the phrase "Gazelle Intensity" from Proverbs 6:5.  When you look at this chapter's first 11 verses, it lays out the plan of how one should get out of debt and to stay out.However, is the goal to simply get out of debt?  No.  Realistically the point of becoming debt free is so we can be free to fully serve our one real master, Jesus Christ.  Debt is a problem because it clouds our thinking.  It causes us to be double minded and unstable(Prov. 6:1-11, Prov. 22:6-7, Rom. 13:8, Mt. 6:19-24 & 33, Luke 16:11-15, James 1:8 & 3:13-4:10)Christian Wealth Management