From $211,000 in debt
to teaching money peace
How a gourmet hot dog sandwich, my mother's stroke, and a mountain of debt led me to help women find their own money freedom
Hi, I'm Peggy McInnis.
I'm a Ramsey Solutions Master Financial Coach, creator of the Money Map Method, and probably the only financial coach who'll tell you that budgets don't actually work.
Hear My Full Story ↓Real Impact. Real Change.
From crushing debt to complete freedom
Learned money lessons the hard way
When rock bottom became the foundation
Living proof that transformation is possible
The Gourmet Hot Dog Sandwich
Growing up as one of 13 kids, money was so tight my dad ground up cold hot dogs with mayonnaise and called them "gourmet sandwiches." I'll never forget walking straight to the trash can with that paper bag. That shame around money started early and stuck for decades.
Sometimes hitting bottom is exactly where you need to be to finally look up. In 2014, when I discovered my mother and I had $211,000 in combined debt, I couldn't breathe. But that moment of desperation became my transformation.
The Wake-Up Call
Finding The Way Out
The journey from desperation to creation
Desperation
Found Financial Peace University
Determination
Started following the baby steps (tears included)
Discovery
Friends and family started asking for help
Calling
Became a Ramsey Solutions Master Financial Coach
Creation
Developed the Money Map Method
What I Know For Sure
You're not bad with money
You were just never taught a system that actually works for your life. There's a difference between being "bad" and being untrained.
Your past doesn't define your future
Those old money stories from childhood? They're just stories. You get to write new ones starting today.
Money is emotional first, mathematical second
Until you understand why you spend, the spreadsheet won't save you. Feelings drive decisions, not formulas.
You can have joy while paying off debt
Life doesn't stop while you get your money right. You can be responsible AND still live a life you love.
Shame has never fixed anything
Beating yourself up about money mistakes keeps you stuck. Compassion and clear planning move you forward.
Alignment beats restriction every time
When your money matches your values, you don't need willpower. The right choices become the easy choices.
Ready to Find Your Money Peace?
P.S. Yes, I really did eat just the bread from those hot dog sandwiches. And yes, that childhood money shame followed me for years. But here's the beautiful thing: our stories can change. Mine did. Yours can too.