Tough Talk Christian Radio with Host Tony Gambone with His Guest Judy Carlson and Ahmad Davis:

Judy Nelson Carlson grew up in St. Paul, Minnesota, and thus began her love affair with winter and a strong attachment to her Scandinavian roots. She received her B.A. in English from Trinity International University. Judy and her husband Tim reside in the Missouri Ozarks. They have six children and twenty grandchildren. Having a lifetime passion for literature and writing, at age nine she wrote her first story. Mrs. Carlson s particular love for the works of C.S. Lewis and George MacDonald have permeated this novel with their characteristic sense of wonder and longing. Her greatest desire is for all to know Who goes up to heaven and comes down?

Ahmad Davis - In 1999 I was divorced and a fully employed homeless man living out of the back of my Ford Explorer. During that time I began to take control of my finances by telling my money what to do, paying off debt, and accumulating thousands in savings and even picked up a second job. After a few weeks I wrote my first tithe check. I recognized a few years later, that God reconnected me with an old friend and I moved into a spare bedroom of his a few days later. During that time, I paid off over $10,000 in debt, saved thousands of dollars, and started taking LOTS of vacations that did not have a bill follow me home. In 2005, through thoughtful prayer, I became a Certified Financial Coach. Since then I have helped

• A multitude of couples stop divorce proceedings

• Individuals and couples payoff over $1.5 million dollars in debt (not including homes)

• People save over $500 thousand dollars in cash savings