Wednesday, January 29, 2014


This is an guest post from the Personal Finance Blog Debt Discipline:

I was catching up on some podcasts this weekend, one that I regularly listen to is “The Dave Ramsey Show” I don’t usually have the opportunity to listen to his show during the week as my day job gets in the way. I’ve been a little behind on my podcasts and was catch up on a number of December episodes. I listened to Dave’s last live show before Christmas. It was from 12/20/2013. The topic of the show was giving. Dave took calls from all over the country with stories of giving. It was truly an amazing show and if you have a chance to listen to it I would highly recommend it. There were a variety of stories from a Church parish giving $50 to each of its members to spend on someone else, Teachers in a school in Chicago taking a collection and anonymously give students $25 dollar gift card, donations being collected for a family in upstate New York whose dad was killed in a robbery.


There were many other truly amazing stories about giving. I have listened to the podcast a few times now. I have asked my family to listen to it as well. I was really touched by it. These stories really help keep me motivated. I want to be able to be in a position to be able to help others with my money in the future. My goal in the future is to be able to have the wiggle room in our budget to be able to take part in acts of giving like I heard on this podcast. I believe it will first start with my own children, changing our financial situation has a lot to do with them. I want to be able to provide better for them, teach them better then I was taught on how to handle money. I’d want to have the free cash to pick up the tab at dinner for family or friends. Having expendable dollars to help others in need, or take part in random act of kindness. These are the things that beyond my own situation excite me about being debt free.

What motivates your financial situation? Have you ever taken part in a random act of kindness?

Wednesday, January 22, 2014

Interview Series: The Student Loan Sherpa

This is an guest post from the Personal Finance Blog Debt Discipline:

This is the third in a series of personal finance blogger interviews with fellow personal finance bloggers. Today’s guest is Michael Lux from The Student Loan Sherpa.  

Who is The Student Loan Shepra?  
Michael: One of millions of college grads who finished school with no real appreciation for the impact that student loans would have on his life.  Now I share my experiences with others to hopefully save a few people some time, money, and heartache.  

Why did you start your blog?
Michael: I started my blog because I knew there were many people just like me.  I also I knew I had information that was not readily available, so I saw the blog as an opportunity to reach out and help people.  

What are your favorite Blogs?  
Michael: I like any blog that offers a unique point of view or relevant personal experience.  It’s easy to write articles about how too much credit card debt is bad, I like the one’s that put something out that that nobody else does.  Mr. Money Mustache is a great example.  I don’t always agree with him, but he is one of a kind.  I respect that.  

When did you first become financially literate?  
Michael: I don’t think I am, and I really don’t think anyone else out there is.  I suppose we can debate the financial literacy of Warren Buffet, but the point is that there is always more to learn.  There are always new concepts.  The financial rules seem to constantly be changing, so I think its dangerous to believe you have it under control.  

What was the last item you regretted purchasing?
 Michael: I’m really racking my brain on this one.  I’m quite happy this isn’t an easy question to answer. After some thought, I will go with the triple steak burrito at Taco Bell.  It wasn’t up to the delicious standard I have come to expect from TB, and my digestive system was similarly disappointed.

 If you died today, would your family be OK?  
Michael: I would hope that they would be devastated I was gone, but from a financial standpoint I think they would be ok.  I would expect my life insurance to be more than sufficient.  

What are you teaching (or will you teach) your kids about money?  
Michael: I think the most import thing would be to teach them that money is not the most important thing.  It is simply a means to an end.  Money is not how you keep score in life, nor should it be valued above the things that are truly important.  

What’s your dream job?
Michael: Professionally, I’m in my dream job.  I also love that I have the opportunity to blog about a subject I’m passionate about when I am not at the office.  

What is your best piece of advice? (write in question)  
Michael: Do the math!  I find myself saying this when I answer emails and when I write articles.  Financial questions may seem like simple black and white issues, but the reality is that there is so much gray.  The only way you will ever know what is best for you is to crunch the numbers.

 Michael Lux is an Indiana attorney and the founder of The Student Loan Sherpa, a website dedicated to helping people navigate the burdens of student loan debt.

 If interested in participating in a future interview, please contact me.

Tuesday, January 21, 2014

Holiday Hangover

This is an guest post from the Personal Finance Blog Debt Discipline:

There is good news for us early in the New Year, we won’t be suffering from a Holiday hangover. We used cash for all of our purchases this year. We had an incredible Holiday season. My wife and I celebrated our wedding anniversary the week before Christmas with a very nice dinner out. We possibly started a new Christmas Eve tradition by going out to another awesome meal with the family. We spent and average of $350 per person on our shopping list. We hosted a party at our home featuring Bagna Cauda with family and friends. The two dinners out and the party cost us a total of $850.

I can not begin to tell you how much more I enjoyed the Holidays this year, knowing that we went into them with a spending plan and knowing I would not have a lump in my throat when the January bills came in. I truly noticed an emotional difference during these Holidays. There was no stress, no fear when shopping, and really enjoyed the giving more. I am fortunate to receive an end of year bonus from my company which funded 95% of these purchases. This also allows us to spend a little more on our 3 children then we might normally do. This will be the last year we rely so heavily on my bonus to fund Christmas. We are going to be debt free in November and in our 2014 Goals stand up, we except to pull that in by a few months.

This has already got me excited for the Holidays again and got me thinking of being able to participate in some random acts of kindness. I just heard of one at a local Starbucks where a man purchased a $90 gift card and gave it back to the shop to be used for random drive thru customers. These random acts have been popping up across the country. I can’t believe on January 6th I’m already looking forward to Christmas again.


January Blues

January can be a tough month for people who accumulated debt over the holidays. Typically the New Year has you thinking of resolution or goal for the next 12 months. So it’s important to not sit back and feel sorry for yourself, but rather begin to take action. Here are some tips to help get you motivated.  

Access the Damage – You spend it, now own it. Review your bills and get the information down on paper or incorporated into your budget. You’ll need this information to help develop your plan.

Don’t continue – Don’t allow the spending to continue, put the cards away.  

Develop a plan – Once you know how much debt you have and stop spending you need to figure out the plan to attack it. Use any one of these techniques to accomplish the payoff, debt Snowball, lowest balance first or highest interest rate first, etc. Can you squeeze any other areas of your budget to pay extra on this debt?  

Start Saving – Begin to work on you plan for he next holiday season. Maybe try the 52 week savings plan. In the plan you save money each week of the year, equal to the week. So on week 1 you save $1, on week 2 you save $2 and so on and after 52 weeks you will have $1378 saved. So shake off that holiday hangover and get your butt in gear. It’s up to you to take control and make some changes before the next holiday season.

How did you fund your 2013 holiday expenses? Do you have a plan for 2014?

Wednesday, January 15, 2014

Interview Series: The Wealth Gospel

This is an guest post from the Personal Finance Blog Debt Discipline:

This is the second in a series of personal finance blogger interviews with fellow personal finance bloggers. Today’s guest is Ben Luthi from The Wealth Gospel.  

Who is Ben Luthi?  
Ben: I’m a 27-year old dude and live in Northwest Arkansas with my wife, Kilee, and our dog, Paisley (No, we’re not from there, which is why my grammar is…well let’s just not go there). Anyhoo, I love love love traveling, the outdoors, being active and reading classic literature. I lived in Germany for a couple of years and dream almost every day of going back, and I am obsessed with food, especially German food.  

Why did you start your blog?
Ben: I started The Wealth Gospel in August 2013. After being unemployed my first six months out of college, I took a job in July out of desperation because we were out of money. Not knowing when I would be able to move up or find a better job elsewhere, I decided to start a blog and build it as a side business. Although I’ve made just a tiny amount off the blog itself in the last four months, I’ve gotten a lot of freelancing opportunities and am earning about half my paycheck on the side.

What are your favorite Blogs?  
Ben: Oh man, where to start?! I was reading Mr. Money Mustache and Good Financial Cents long before I ever thought about starting my own. Budgets are Sexy was the first one that sowed the seed of blog love in my heart, so I owe J. big time for that. He’s also done a little consulting for me and it’s given me a huge boost, so I highly recommend getting with him if you are just starting out! Holly over at Club Thrifty has been a huge inspiration for me on the freelancing side. Other than that, it would probably be a little too intense to list all my other faves, but a few are Broke Millennial, which is an awesome read for young people, Frugal Portland, who has a hilarious personality and is the perfect resource for peeps living in the Portland area, and Financial Samurai, whose posts are always well thought out and sophisticated.  

When did you first become financially literate?  
Ben: I’ve always been a saver by nature, but it wasn’t until I read Dave Ramsey’s Total Money Makeover in 2009 that I started really thinking about any of that stuff. Although there are a lot of things I don’t agree with Dave about, it was really a great way to get my feet wet and it got me thinking about a lot of things that I had never really considered before.  

What was the last item you regretted purchasing?  
Ben: I know this is going to sound lame, but I honestly can’t remember regretting something I purchased. For the most part I’m pretty boring. I should say, though, that I should regret going on a cruise to the Bahamas and taking a week trip to Anaheim while my wife and I were in college. We had the money to do it at the time, but ended up having to take out student loans later because we had spent the money. But I love traveling too much to really regret it :)  

If you died today, would your family be OK?  
Ben: Indubitably! I won’t say exactly how much life insurance I have, but it’s enough so that my wife will never have to worry about money again. I know some people who think it’s a waste to have a lot of insurance when you don’t have kids, but personally, I believe in an afterlife and I’d prefer to not die and then get that brought up for the rest of eternity (that was a joke). But really, I’m pretty passionate about life insurance, although I definitely don’t judge other people who feel differently about it.  

What are you teaching (or will you teach) your kids about money?  
Ben: No kids yet, but we’re definitely hoping that will change soon! From what I’ve observed of my siblings, I can tell that it’s difficult to teach your kids about anything, really, because they can still choose to do what they want. But I actually wrote an article a few months ago about a few things I’d like to teach my future spawn, so I’ll let you read about it there.  

What’s your dream job?
 Ben: Oh baby! Let’s talk about this for a minute or two. My dream job consists of a Timothy Ferriss-like online business that allows me to do minimal management and maximum world travel and culture experience. But that’s a little ways out, so the next step for me right now is to become a full-time freelance writer so I can work from home. The goal is to accomplish that by the end of 2014, so anyone looking for a writer or know someone who is, drop me a line :)

If you could have one super power, what would it be? (write in question)  
Ben: If I could have any super power, I think it would be the power to make anyone near me wet their pants. Can you imagine the power you would have? Walk into any public place and people would go out of their way to make you happy. But, of course, with great power comes great responsibility. I would just need to figure out what that would mean...

Ben Luthi is a freelance writer and personal finance blogger who writes regularly at The Wealth Gospel. He is passionate about helping people find their true potential and align their behaviors with their goals. He’s a chips and salsa connoisseur and his spirit animal is Warren Buffett. You can follow him on Twitter @thewealthgospel or like him on Facebook.

 If interested in being a part of this interview series please drop us an e-mail.

Tuesday, January 14, 2014

New Year Resolution

This is an guest post from the Personal Finance Blog Debt Discipline:

I’m not a big fan of the term resolution when it comes to making them for the New Year. I always joking with family and friends that my New Year resolution is to stop making resolutions. I prefer to make goals for the upcoming year. I guess the word play is just semantics, but when looking for the Merriam-Webster definitions for each word, I think goal is truly a better fit.

 res•o•lu•tion • the act of finding an answer or solution to a conflict, problem, etc. : the act of resolving something • an answer or solution to something

goal • something that you are trying to do or achieve

new year resolution
Image courtesy of Satit Srihin

So I will be setting goals for the New Year. Before I do I think you need to follow a few rules when setting goals for yourself. The goal needs to have detail and not be vague like “I going to lose weight this year.” Instead if you say I’d like to lose 12 pounds by April this gives you a true way of measuring what you are trying to achieve. You should also document your goals and set reminders in your calendar, mobile phone, e-mail, etc. This will help remind you during the year and allow you to check in on your progress. I believe you goals should be a mix of easily obtainable goals and ones that will push you. You don’t want to set yourself up for complete failure, but don’t want to just have all easy goals that will be completed in no time. Having the right mix/ balance of different levels of goals will help keep you motivated.

My 2014 Goals

Paying off all consumer debt by November – We are on track to do so, we are attempting to pull this in by 2 months and be complete by August.

Involve our Children more in Money/Budget discussions – They have been involved all along, but as we get closer to our debt repayment completion we want to educate them on the next steps.  

Continue to change my eating habit to lose another 25 pounds – I have made some significant changes over the least 2 years and have lost 40 pounds. Mainly stopped eating bread and began to exercise more. My wife and I received a vitamix as an Anniversary / Christmas present for ourselves so there will be a lot of fresh juice and smoothies in my future.  

Finish an e-Book about our debt story by the time we are debt free – I have started it a few times; I have an outline, but have been side tracked.  

Add a puppy to our family – We lost our yellow lab of 13 years this year and the family is looking to add a new puppy to the family.

That’s what I have so far. I’m sure the goal list will be updated during the year. I don’t think you should limit yourself to setting goals to just during the New Year. It’s certainly a good time to start or update, but should not be they only time you are thinking about goal for yourself or family.

What are your top goals heading into 2014?

Monday, January 13, 2014

Interview Series: Life And My Finances

This is an guest post from the Personal Finance Blog Debt Discipline:

This is the first in a series of personal finance blogger interviews with fellow personal finance bloggers. Today's guest is Derek from Life And My Finances.  

Who is Derek from Life And My  
Derek: I was born in West Michigan and have always been fascinated with numbers. If Albert Einstein didn’t first coin the phrase that compound interest is the 8th wonder of the world, I just might have.  

Why did you start your blog?  
Derek: I first started my blog back in August 2010 (wow, time flies!) in order to make some extra money so I could move back home from Southern Florida. It did the trick and I’m happily back in Michigan again!  

What are your favorite Blogs?  
Derek: My personal favorite is Financial Samurai, then Get Rich Slowly, and then Smart Passive Income.  

When did you first become financially literate?  
Derek: I have been financially literate all my life (my parents were excellent models of this), but I really began to understand the power of cash flow and debt freedom when I was 25 years old. This new mentality has really served me well over the past 3 years.  

What was the last item you regretted purchasing?  
Derek: I think through my purchases far too much to regret them, but the closest thing to a regret was my 2004 GMC Sierra that I planned to sell quickly for a profit. While I did still make $600 on the deal, it wasn’t easy and it came with many headaches.  

If you died today, would your family be OK?  
Derek: Considering I am a family of one, yes, everyone would get along just fine! ;) And actually, I have willed all of my assets to my parents, which will make their retirement years so much easier financially.

What are you teaching (or will you teach) your kids about money?  
Derek: When I have children, I will teach them that (1) money should not be wasted and (2) anyone can earn as much money as they want, as long as they work for it.  

What’s your dream job?
Derek: I dream to survive on my real estate investments. After I pay my mortgage off next year, I plan to begin investing in multiplexes. After just a few purchases, I should easily be able to say “see ya” to my full-time job and then begin to pursue other self-employment opportunities.  

Do you ever feel like you don’t fit into this world? (write in question)
Derek: This is my feeling every day. I don’t watch television and I do my best to earn money outside of my day job. Just with these two things alone I am considered a weirdo at work! Not to mention that I am trying to pay my house off in 3 years instead of the typical 30. Some people just shake their heads at me, but how awesome will it be when I can live on less than $1,000 a month, but am earning more than $5,000? They can keep shaking their heads all the way to their grave as far as I’m concerned, because they will never be able to retire, while I will have the option in my mid 30s! ;)

Derek began Life And My Finances back in 2010 and still continues to teach people about personal finance today. Visit his blog to learn more about him and what he is doing for his readers!

Thursday, January 9, 2014

Holiday Traditions

This is an guest post from the Personal Finance Blog Debt Discipline:

I am so looking to some time off from work and some quality time with my family. We have a number of events planned over the next week. Some will be new and a few will be old Holiday traditions that we have shared for many years. It nice to have these traditions to look forward to each year, it’s also nice to change things up every so often. We for the first time I can remember will be eating out for Christmas Eve dinner. Although different than what we have done in years past we are looking forward to it and just possibly started a new tradition going forward in 2013.

holiday traditions


We always decorate the tree as a family, we watch Holiday movies and listen to music leading up until Christmas day. We open gifts on Christmas morning, but typically allow one gift to be open during Christmas Eve.

Bagna càuda

Bagna càuda, (from the Piedmontese "hot bath") is a warm dip typical of Piedmont, Italy. The dish, which is served and consumed in a manner similar to fondue, is made with garlic, anchovies, olive oil, and butter. The dish is eaten by dipping raw, boiled or roasted vegetables, especially peppers, broccoli, mushrooms, squash, celery, cauliflower, artichokes, and onions. Raw seafood such as shrimp, langostino, scallops and oysters along with fillet mignon or sirloin steak is used as well. It is traditionally eaten during the autumn and winter months and must be served hot, as the name suggests. Originally, in Piedmont, the Bagna càuda was placed in a big pan (peila) in the center of the table for communal sharing. We have hosted a Bagna càuda party for the last 10 years. This tradition has been on my wife’s side of the family for many years. We invite family and friends to participate. We typically host between Christmas and the New Year. We always try and invite someone new to the party to introduce them to the incredible meal and the smell of garlic!


Lebkuchen is a traditional German baked Christmas treat, very similar to Gingerbread. This was another tradition that has been passed done on my wife’s side of the family from her grandmother. The process for making the dough takes an hour or two, but the key is to let it sit for up to 2 weeks before rolling and making cookies. This is typically a family event, with our children assisting cookie cutter selection, baking, and tasting usually is left up to me. We often share the cookies with family and friends. Depending on how well the Christmas Eve dining event goes it may be added to the list as a keeper tradition going forward. I’ll keep you posted. One tradition that I have begun to think about as we near our debt freedom is giving back more, possibly in the forms of more random acts of kindness or donation of time helping to serve meals to the less fortunate. I think these are great teachable moments for our children and great remembers for my wife and I.

Wishing you and your families a very Merry Christmas!

What are some of your favorite Holiday traditions?

Wednesday, January 8, 2014

Feeling Blessed

This is an guest post from the Personal Finance Blog Debt Discipline:

It has been a busy couple of weeks. Lots of preparations for Christmas, my wife and I celebrated our wedding anniversary, several Christmas parties attended, two school winter concerts, and still the big day only 2 days away. Still with all this going on there has not been any overwhelming moments. All things have been handled with no major emergencies. This feels different then in years past. Different in a good way, as I sat down over this past weekend thinking back over the past few weeks I truly feel blessed. I say that and don’t believe I’m just caught up in some pre-Christmas hype. These are some of the reason why I’m feeling blessed.

feeling blessed

Christmas Budget

My wife and I sat at lunch for a quick bit to eat while out Christmas shopping. We took time to review receipts and write spent amounts in the spreadsheet we had. The spreadsheet has our Christmas blueprint, gifts items, and budget for all we planned on purchasing gifts for this year. I looked at my wife and said looks at us, we have never been this organized, and never work together like this in the past. It made me realize how far we have come. This was a change for us from years past, but a really showed we were in sync, communicating, in agreement about budget. It felt really good.


I have seen steady traffic increase in the blog since I started back in August. I have made some nice friendships with fellow personal finance bloggers. We continue to support one another with guest post and twitter mentions. It’s a great community. I have had the opportunity to share my family’s story recently with brokeGIRLrich and Get Rich Slowly and both posts were received very well. The response has been incredible in terms of feedback and traffic. In 5 short months I’m very happy with Debt Discipline’s progress.


Just this weekend I received a phone call from a family member who’s been estranged from my family for some time. We have grown apart over the past 10 years for a number of reasons, mainly because of the things going on in their personal life I would rather not expose my three children too. The call was to ask if we could start over and get back to a relationship we once had. It took courage to place the call and I’m sure it wasn’t easy to do. I’m hopeful that this is the end of the bad things that drove us apart and the beginning of something new. So many good things going on right now and still have so many good things planned with family and friends over the next week.

Wishing you and your family a very Merry Christmas!

Tuesday, January 7, 2014

Interview: Debt Discipline

This is an guest post from the Personal Finance Blog Debt Discipline:

It’s that’s time of year when you typically reflect on the year that was. I thought I’d sit down with myself and get to know myself a little better.

Who is Brian?  
Brian: I’m a father of 3 children age 14, 14 (fraternal twins) and 11. My wife and I have been together for 17 years, married for 14. I have been with the same company for 19 years. We didn’t start to get our finances together until 2010.

Why did you start this blog?  
Brian: After learning so much in a short period of time about personal finance and getting our finances on track I began to want to help others. I started the blog to share my family’s story with debt, help others and maybe make a little side income.

Have you helped anyone so far?  
Brian: I have in my personal life. I have sat down with family members to help review their finances, budgets, etc. I have helped my brother get on the right path with his money. We share our stories with friends and I believe we have changed a few peoples thoughts on their money.

What other blogs do you follow?  
Brian: The first blog I found back in 2010 was “Punch Debt in the Face”. I read Budgets are Sexy and Get Rich Slowly regularly. There are so many great blogs with unique points of view. I try and read as many as possible and comment. I often feature them in my week end round up.

What’s special about Debt Discipline?  
Brian: Like some many other blogs I just think it’s my point of view and my personal story. We are a family of 5 struggling with over $109k in debt and we have managed to pay off over $84K of it back so far. I think that is an amazing accomplishment and I want others to have the same success we have.

How do you stay motivated?  
Brian: I blog about our finances, read books, and read blogs. I listen to a number of pod cast. I still get a smile on my face when I hear people on the Dave Ramsey show do their debt free scream. I image my family doing that next year. I keep reminding my self what it will be like in 11 months when we have an extra $2k per month in our budget. Most of all my children keep me motivated. I want them to never know debt, to start off at a young age on the right path with money and never struggle like their mom and dad have.

If interested in participating in an interview, please head over to Debt Discipline and drop me an e-mail/

Is there anything else you’d like to know about me, my family or Debt Discipline?

Monday, January 6, 2014

Employees Choice

This is an guest post from the Personal Finance Blog Debt Discipline:

The career web site Glassdoor recently release its 2014 Employees Choice Awards honoring the best 50 places to work in both the large (over 1000 employees) and medium (250-999 employees) categories. It is an interesting compilation as the results are generated based on employee feedback and rating of the companies. I’m sad to report that none of the companies I have ever work for have made the list, my wife on the other hand has 2 on the top 50 included the company she is currently working for. Based on her level of frustration some days I guess she wasn’t part of their survey. Looking over the list there are some common themes that reoccurred throughout employee reviews.

employees choice

Company Pros

  • Work-life balance – no after-hours commitments, you leave the office at the office.
  • Travel – get to visit some real great places on the company dime.
  • Culture/ Work environment - great atmosphere that forester’s communication and growth.
  • Creativity – allowed to have input to the process and projects. No idea is a bad idea.

Company Cons

  • Work-life balance – too many after-hours commitments, takes time way from family.
  • Travel – get to visit crappy places and travel takes you away from home often.
  • Contractor/consultants – too many guns for hire.
  • Culture/ Work environment – bad moral, gossip rules the office, can’t communicate ideas.
  • Changing Priority - priority changes so frequently you can never get anything done.
There are some slight differences in the list, but it really seems like it’s a matter of perspective a glass half full / half empty type situations with employee feedback. What I did find interesting was there was not much feedback on salaries or benefits within the comments. Glassdoor does give you a salary range breakdown by position section for each company listed, so maybe this influenced the comment section of the results. I would still think you would want to mention if a company was compensating you good or bad in the comments. I want to work for a company that has great leadership, which allows all levels of employee’s to have a voice, offers good benefits, and offers a competitive salary for the position. I know these sound generic, but in over 20 years in the work force I have not always experienced these things.

Have you ever worked for any of the top large or medium companies on the list? What do you look for most in a company?

Thursday, January 2, 2014

Counting Stars

This is an guest post from the Personal Finance Blog Debt Discipline:

Today’s post is dedicated to a song I can’t seem to get out of my head, “Counting Stars” by One Republic. I’m sure you are familiar with the song. It’s all over the radio right now and it the top ten on the pop charts. If not, give it a listen. Be warned its pretty catchy and might be stuck in your head for the rest of the day. Now I’m sure you are wondering what this has to do with personal finance. Well the word money is clearly in the lyrics, but digging in deeper my interruption of the lyric I believe the song has a lot to do with personal finance.
“Lately I been, I been losing sleep Dreaming about the things that we could be But baby, I been, I been prayin' hard Said no more counting dollars We'll be counting stars Yeah, we'll be counting stars”
Seems to me someone is losing sleep over their financial situation and has stopping counting their money and is dreaming of a better life.
[Chorus] Lately I been, I been losing sleep (hey!) Dreaming about the things that we could be But baby, I been, I been prayin' hard (hey!) Said no more counting dollars We'll be counting stars Lately I been, I been losing sleep (hey!) Dreaming about the things that we could be But baby, I been, I been prayin' hard (hey!) Said no more counting dollars We'll be, we'll be counting stars
And again in the chorus dreaming about things we could be or have. Continues to lose sleep over their current situation and is praying for help.

One Republic front man Ryan Tedder recently said he wrote the song about money problems he and his wife had when they were first married. Hi struggles when his first got into the music business to make steady income. What do you think? Do you like the song? What do you think the lyrics mean?