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It took another five months to finally sit down and discuss our finances with Jay. During these five months we added another ,000.00 to our debt from the solar panels and Hennys work vehicle.Our first 99 class with Jay took a while because we didnt do our homework. Jays next appointment with us however was even better.I wished him luck, because I balanced our bills and I wanted him to pay off his debt first before we made bigger financial decisions.Jay called me for our financial details and I provided it, but I was brutally honest about our finances, and Jay just listened.

It has given us an opportunity to be educated in finances and because of that, put us in a better position to make decisions for our familys future.

" "My Husband and I were blessed to find out about 101 financial two years ago, but we weren't quite sure about it. The one who need 101 so bad but like many other people we were skeptical or prideful we weren't ready.

I knew it was something I wanted to learn about but I was so scared to admit how bad off we were. After one year of knowing about 101 financial and not being students yet, I one day was at work and was thinking its time. We realized we weren't even living our lives anymore. We quickly graduated to 101 and took off from there!

I told Jay if you can get Henny to do 101 and stop him from spending his money foolishly, I will be your best salesperson.

Jay laughed, was very patient, and very understanding because I didnt know anything about 101.

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