Americans are swimming in an ocean of personal debt. World-renown personal finance expert an Christian Dave Ramsey comes to you through 9 video lessons that share with you his humor, his knowledge, and his conviction that discipline, faith, and optimism will enable you to retire your debt and experience financial freedom and peace! 9 weeks, Wednesday evenings, beginning Jan. 25, 2016, 6:30-8:30 p.m., led by Jim Carrillo.