According to CareerBuilder, 78% of Americans are living paycheck to paycheck


—and their cars and homes aren't telling the true story of their financial situations:

  • Some 40% of Americans would struggle to come up with even $400 to pay for an unexpected bill.  
  • Fewer than 4 in 10 Americans have enough money set aside to cover an unexpected $1,000 expense.
  • Americans owe more than $1.4 trillion in student loans.
  • About 42 percent of Americans have less than $10,000 saved for retirement.

There isn't an industry equipped to handle these day-to-day financial problems, and that's where Phil Kennedy can help. Like most Americans, Phil used to be pretty “normal.”  In 2007, he and his wife got married with student loans, car loans and credit card debt.  After reading Dave Ramsey’s The Total Money Makeover, they became debt free 14 months later.  

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About Phil Kennedy

Phil is a Christian, husband to Emily and father of two young boys.  He's been working with individuals and families since 2011 to help them get out of debt and work toward financial freedom.

Phil holds a certificate as a Ramsey Solutions Master Financial Coach.  He also holds a Virginia CPA license, an MBA from George Washington University and a certificate as an Accredited Financial Counselor (AFC®).