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We had our Financial Peace University class on Sunday. I found it incredibly difficult to share the reason we were gone for last three sessions.

Admitting we had taken a family vacation to Europe is the equivalent of telling your Alcoholics Anonymous sponsor you spent the last two and a half weeks downing bottles of Jameson.

They weren’t exactly receptive to the idea.

We explained that this was likely the last and only time we would have the opportunity to go with our family and we funded the trip fully with cash.

But still, they weren’t happy about it.

I started to get annoyed and then realized, isn’t that the point of FPU accountability? Isn’t that the reason for the class?

No, I wouldn’t have changed my decision to go… but you can bet I won’t be strolling into class with a new sweater or a cup of Starbucks anytime soon.

I was listening to Dave Ramsey’s show while he interviewed Zac Bissonnette, author of Debt Free U. To be fair, I haven’t read Zac’s book (I’ve been short on time), but based on the amazing amount of information he shared in a short interview with Dave, I am IMPRESSED.

Zac stands by state colleges instead of private colleges and supports the financial decisions of students who attend community college for their freshman and sophomore years as a way to save loads of cash.

I graduated from a private college and I loved it… but sometimes I wonder what life would be like if I hadn’t paid $26K a year. My degree would be the same… but I wouldn’t be carrying student loans.

Thanks to some awesome scholarship opportunities and grants, I graduated with ‘only’ $15K in debt. My friends did not fair nearly as well. Most have more than $100K in student loans.

If you have a child in high school, buy his book and read his articles at: http://www.dailyfinance.com/writers/zac-bissonnette/

You’ll need the help.

You can thank me later.