"Richard has been inspirational in our organization while teaching Financial Peace University at Work. The positive results from these classes have been an outstanding benefit for the associates of Diversified Ophthalmics, Inc. and myself personally. Richard has endured some tough times over the past few years, and it was amazing to celebrate the day that I could listen to his personal “Debt Free” call into the Dave Ramsey Show. Richard follows the principles that he teaches daily and it shows in all aspects of his life. I know he is a man of integrity, is reliable and a great member of our team." - RC, Ohio