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As the year draws near it’s end so does the end of our Financial Health Challenge. The ride has been exciting yet difficult, but most of all it has been rewarding. A huge congratulations is due to both families, who have struggled, yet succeeded in becoming experts in financial responsibility. I am proud to say that I was a part of this journey with them.

We know that economic times right now are very difficult. The courage these families had to take on this challenge with such energy and drive shows to all of us that regardless of our situation we do have the will to make things better for ourselves. I am very grateful for their success. My hope is that we all can take away a bit of encouragement from their accomplishments. I know that for me, the one thing that I can appreciate the most is the friendships that have evolved. Thank you Sifford and Needham family and best wishes in your financial futures.