I find that interesting that your church is charging $125. My church is offering Dave Ramsey's Financial Peace Univerity for $99.
Each time I hear testimonies on his seminar, I feel so blessed to have had a dad who knew how to live the life style that Dave Ramsey is preaching and taught me how to do the same. I am also blessed to have married a man who believes in the same principles. I am amazed at how well my dad did in life on his salary, his willingness to save and his knowledge of investing.
I know I am not answering your question but I do want to give a plug for having savings. After my dad died, my mom was temporarily left without insurance until her's kicked in. She was expected to cover her medicine. It was close to a $1,000 for that one month. She has the beginning stages of alzheimer so her medicine is expensive but I am sure there are other elderly people who have costly medicine. Next week, I am taking her to a dr. who does not take medicare. She will have to pay first and then be reimbursed. That is expected to cost $500. I feel so blessed that because of my dad financial situation she has nothing worry about when these sums are thrown at her.
Barbara homeschooled from k-12th, two college grads and one in college.