From the moment Chris Hogan begins talking you can tell that he loves being a part of the Ramsey Solution team, led by financial icon Dave Ramsey.
Hogan, a radio host, author and personal finance expert, exudes enthusiasm and passion as he speaks about helping people not only climb out of debt – a major part of the Ramsey trademark – but navigate the realities around finances, particularly during this season of uncertainty.
"One thing that I am learning from people is that they are tough," Hogan remarks while thinking about the current state of the world.
But Hogan is clear in that he believes that we must be informed, but not obsessed with what is happening around us.
Thinking about Americans who may be living paycheck to paycheck, Hogan asserts that while the fear they are feeling is real, God has called us to not fear, but to trust Him.
"For households that are living paycheck to paycheck,” he starts, “the fear is real, but they will get through it by making wise choices going forward.”
Hogan then offers some practical advice. "Although 80 percent of people are living paycheck to paycheck, they should take care of the necessary items," he said.
The personal finance expert suggests taking care of what he calls “The Four Walls”: food, transportation, mortgage, and electricity.
Hogan always knew he wanted to help people, and while initially, he thought that would materialize with a career in law enforcement, he soon learned that he could help people achieve financial stability.
One way Hogan is trying to help people during the COVID-19 pandemic, which has taken a toll on the economy, is by hosting nightly Facebook live sessions for his audience.
Hogan enjoys doing these sessions. In fact, even the very mention of it lightens him up. For many in the financial advisory role, mixing money and scripture would seem out of place for them. But not for Hogan who, like a relatable Baptist preacher, wants his audience to know that they can trust God in any circumstance. When asked if he thinks America is in a recession, Hogan pauses for a moment, contemplating the exact words he wants to use to address this question.
"I've been asked that question a lot lately,” he said, “and the answer is no.”
“To be in a recession, there have to be two consecutive financial downturns,” he added.
Hogan would, however, say that we are in a decline. Although Hogan believes that we are in a tough season in life, he is assured by his favorite verse Jeremiah 29:11 that God has a plan. Hogan believes that what the world is currently experiencing goes well beyond economic turbulence. He said, "God is giving us a chance to reset and focus on what matters most to us." This is something that money can't buy.
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