Garden of Graces Episode 11 Nicole Pt1
Introduction of Nicole Grey
Volunteering nature
Patent Lawyer
Mom of 7
Student Loan Debt Payoff 100K
Dave Ramsey March 2008
1K/month right out of college
7 months married, pregnant first child
Takes contractor job in Iraq during war
Middle school Marianne helped to blind children how to ski in MD
Nursing homes, elderly
College HUD housing developments be a friend
Patent attorney clinics pro bono during law school
School boards, PTA
How James and her paid off student loan debt?
James married 2007, didn’t know the situation, couple months after accumulated, almost 100K
Out of sight, out of mind
March 2008 Dave Ramsey’s course, student loan major contention in marriage, on DR plan, come to Jesus moment, do something
Graduated from college 1000/month no job to pay for debt & living
Contractor job in Iraq
Had been deployed with Army, 2005, pregnant with first child
Scary, overwhelmed, many go into denial, just part of everyone else
Scary, nothing in the making
First job correctional officer with MARC police while figuring out. James takes on weird jobs to support the family
Felt a little discouraged, look broader than just comfortable. Oil rig, big money quick. Somehow got contacted with contracting. Paid a lot during the Iraqi war.
What were others during with their big $$? Many used as spending money further lifestyle at home.
There has to be more than make big money, win a Vegas blown the next day.
The goal for debt, get rid of debts as fast as possible, all paychecks went to paying off staying debt. 5K/ month
Nicole took job to cover living expenses, paid off very quickly.
Focused mind. Thermostat filled with red, screen shot sent to James.
James took time to read books money, marriage, leadership, history
