Remaining Debt Free

January 20, 2008 at 3:30 pm (Uncategorized)

I’m trying not to cross post all our adoption stuff (keeping it on our adoption blog) but since so many of you have followed our journey to being debt free, I thought I’d post this here as well.

Debt Free Adoption

For those of you that know us personally you know much of this story.
For those that don’t, I must start by telling you a little bit about
our family’s money philosophy. About 7 years ago my husband started
listening to Dave Ramsey on the radio and bringing home tidbits of his
advice. Dave Ramsey is a talk radio host and financial expert (and also
a Christian) who believes in a debt-free lifestyle. His motto, or one
of them is "Live like no one else so later you can LIVE like no one
else." We attended one of his one-day events which led us to beginning
his Financial Peace University class at our church about 6 years ago
(still going strong).

We paid off all our debt except for our house within about 2 years –
credit cards, student loans, cars (sold one of them). Then just a few
months ago, in November ’07 we reached our major goal of paying off our home. We are 100% debt free.

And then God led us to adoption, which is not an inexpensive endeavor.
We have savings that will pay for part of it but we do not have all
that we need. I began to say "Well, if we have to go into debt to do
it, then we will and we’ll pay it off as quick as we can."

Yet once again God used Dave Ramsey to speak incredible truth into our
lives. Last week I was visiting a friend in Pittsburgh. It was late one
evening and I was flipping channels when I discovered that the new Dave
Ramsey television show was on the Fox Business Chanel. (We don’t get it
at home.) I was all excited to see what it was about.

Dave was taking calls from different people. A man called in and
explained that he felt God calling him to a career change that meant
going back to school and thus, in this man’s eyes, incurring debt. I
forget what his actual question was but I will never forget the words
that came out of Dave’s mouth. It might not be verbatim but the gist of
it was, "If you truly feel like God is calling you to this then I
believe that you need to look at creative ways for you to finance your
schooling. There is not ONE example in the Bible of God calling someone to do something and then using debt as a tool to accomplish it!"

I think my jaw actually dropped into my lap. How little faith I have
had. Sure, I know that God will provide the means but I just assumed
some type of loan would be part of that. How could I short change his
power by thinking so small?

When I told Mark what I had heard he pretty much said "Well, I’ve been
thinking the same thing but I was afraid you’d be upset if I told you."
And he’s probably right 🙂

So a debt-free adoption it is! I’m not sure how it will happen but I am
totally stoked to see the amazing ways that God will help us earn/find
the funds.



  1. Stacey said,

    Amen! I think God has called you guys to this amazing journey and I don’t think He’s going to stop there. I believe when it’s all said and done we will all sit back amazed at what He has done! I’m going to be praying for this area specifically :o)

  2. Mark said,

    I was thinking more about this and Isaiah 55 came to mind:
    55:8 “For my thoughts are not your thoughts,
    neither are your ways my ways,”
    declares the LORD.

    9 “As the heavens are higher than the earth, so are my ways higher than your ways
    and my thoughts than your thoughts.

    If we are doing it in ourselves the way we think we should, then we are leaving God out of the picture – I think He would much rather we trust in Him and see His faithfulness provide in a “way” that could only be God.

  3. HolyMama! said,

    so glad to be here catching up with you, your family, and all the amazing things He is doing in your lives! WOW!

  4. John Roberts said,


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