"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

"Richard has been a God-send to our family. I'm quite sure he wanted to give up on us several times as we didn't totally buy into Financial Peace University. We would cheat here and there; rob Peter to pay Paul and then end up with non-sufficient funds ~ we were a mess. Finally, things began to click with both my husband and myself. We realized we couldn't do a budget - we weren't following a budget - on our own. Thankfully, when we gave up on ourselves, Richard was still there fighting for us. Richard is a man of integrity, wisdom and wit. He's become not only our financial counselor, but his wife, Lea, and he have become our friends. I look forward to the day when my family can make the "debt free" call to the Dave Ramsey show! " - CF, Ohio