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Dave Ramsey’s Complete Guide to Money covers the A to Z of Dave’s money teaching, including how to budget, save, dump debt, and invest. If you’re looking for practical information to answer all your “How?” “What?” and “Why?” questions about money, this book is for you. You’ll also learn all about insurance, mortgage options, marketing, bargain hunting and the most importanDave Ramsey’s Complete Guide to Money covers the A to Z of Dave’s money teaching, including how to budget, save, dump debt, and invest. If you’re looking for practical information to answer all your “How?” “What?” and “Why?” questions about money, this book is for you. You’ll also learn all about insurance, mortgage options, marketing, bargain hunting and the most important element of all—giving. Now let’s be honest: This is the handbook of Financial Peace University....

Title : Dave Ramsey's Complete Guide to Money: The Handbook of Financial Peace University
Author :
Rating :
ISBN : 9781937077204
Format Type : Hardcover
Number of Pages : 330 Pages
Status : Available For Download
Last checked : 21 Minutes ago!

Dave Ramsey's Complete Guide to Money: The Handbook of Financial Peace University Reviews

  • Margo
    2018-10-13 05:21

    5 stars... begrudgingly. Everything he said to do (so far) has worked. Paid off our debt, except the car in 2 and a half months. Learned how to easily feed my family on $100 a week. Sometimes less. Felt like we got a raise, even though we didn't. Blah, blah, blah. It is that stupid power of "no" thing. Yes, saying no to a lot has paid of our debt quickly. And continuing to say no will get our car paid off fast. Like the big fat "no" to our Grand Canyon road trip this summer. And all the big fat "no's" until the car is paid off. And the big fat "no" until we are putting down between 30% and 100% on a house.No sucks.I wanna go to Disneyland.**UPDATE**100% debt free and are now speaking with Dave Ramsey endorsed ELP's as we prepare to buy our first house.His system works. The only negative that comes from reading his books and listening to his podcasts is that you really start to see dangerous financial situations and choices that everyone else makes. Multilevel Marketing/Pyramid schemes being a big thing right now.

  • Lindsey Riley
    2018-10-07 02:06

    I hate money. Well, no, that's not true. I love to SPEND money; I just hate MANAGING money. No one told me that being a responsible grown up would be so boring and difficult and unpleasant, and the most obnoxious and stressful adult task, I've found, is setting up and sticking to a budget.Ugh. Budget. It's anything BUT a sexy topic. Nevertheless, it's an important subject to research, and implementing some sort of financial plan is vital in order to be dependable and successful.One way I have tackled this disagreeable job is to GET INFORMED. The best guy out there on the issue of personal finance, in my opinion, is DAVE RAMSEY. Now, this isn't just the money guru your parents listen to on the radio. He is the real deal. Having faced financial ruin himself, he knows what it's like to come from nothing and try to build yourself up to something. He's honest, practical, funny, and smart on money matters.Recently, I checked out the book that goes along with his financial advising seminar, Dave Ramsey's Complete Guide to Money.Most of what he had to say wasn't rocket science. It was common sense information, but packaged and explained in a way that made it compelling. For me, I KNOW what I should be doing, I just have trouble actually DOING it. Dave agrees- "Personal finance is only 20 percent head knowledge. The other 80 percent- the bulk of the issue- is behavior." (Page 6)Even though Dave goes in-depth on a variety of topics- savings, getting out of debt, budgeting, manipulative marketing, insurance, college and retirement planning, etc., I found the review of his Financial Roadmap for Success to be especially helpful. He has seven baby steps that will get you to where you need to go: Baby Step 1: Put $1,000 in a beginner emergency fund ($500 if your income is under $20,000 per year. Baby Step 2: Pay off all debt using the debt snowball. Baby Step 3: Put three to six months of expenses into a savings account as a full emergency fund. Baby Step 4: Invest 15 percent of your household income into Roth IRAs and pretax retirement plans. Baby Step 5: Begin college funding for your kids. Baby Step 6: Pay off your home early. Baby Step 7: Build wealth and give. (Page 9)Now granted, not all of these steps are entirely applicable to me as an unmarried twenty-something living at home with my parents while I just start off my professional career. Begin college funding for your kids? I'm still deciding if I'M going back to college. I don't HAVE kids. That being said, I KNOW Dave's plan is important, wherever you're at in life. A couple months back, I had a severe neck injury that prevented me from working for almost a month. And with no savings plan, no emergency fund, and suddenly no source of income, I was in deep trouble! Now, three months later, I'm STILL trying to recover financially. I wish I had taken Dave's advice seriously and implemented it sooner."The emergency fund is your protection against life's unexpected events, and you are going to have a lot of them throughout your lifetime. They're not really "unexpected" if you think about it. You know they're coming; you just don't know when, what, or how much. But you can still be ready." (Page 11)Saving is hard! There are so many things I'd rather be doing with my money than just sticking it in a savings account. I want to do something FUN with my money! Even though I struggle with this concept, I think Dave makes so much sense- "Today, my motto is, 'If you live like no one else, later you can live like no one else.' " (Page 22)One illustration Dave gave blew me away. It's one thing to think conceptually about saving consistently over time, but Dave actually calculated out what it would look like if a little bit of discipline and sacrifice is made:"What if you squeezed an extra $100 out of your budget every month? If you saved just $100 a month, every month, from age twenty-five to age sixty five (your working lifetime) at the stock market average return of 12 percent, you'd retire with more than 1.1 million! You'd be a millionaire with just $100 a month! But is it easy to do that every month like clockwork for forty years? No!... Something else will sneak in and try to take away that money. It takes discipline to stick to your goals, but that little bit of discipline will take you a long way." (Page 17)Holy crap on a cracker! I can retire as a millionaire with only $100 a month?! That's actually DOABLE!All throughout the book, Dave gives super practical ideas about how to deal with money, and many illustrations of how this actually pans out in real life, just like the example above.I know money stuff is hardly glamorous. I get how reading an entire book on budgeting and saving and planning might make your eyes glaze over like a dead fish. Let me tell you, the information and suggestions in this book are WORTH IT.Be a little nerdy. Ditch the light chick lit and pick up this personal finance book. Your life will change for the better.Happy reading, folks!

  • M.E. Kinkade
    2018-09-26 03:19

    If you're unsure about how to manage money, or have already made some big mistakes and are trying to recover, or just want to brush up on some obscure things, this book will likely help you out. HOWEVER...it has its flaws, despite the enthusiastic baying of many of Ramsey's constituents. I received this book as a very well-intentioned gift to help my new husband and I get our marriage started on the right foot. I'm already persnickety about how I manage my money, so I may not be the ideal audience for this book, but as much as I read about personal finance, I figure there is always room for a little more knowledge. I did find it practical. Ramsey uses folksy analogies and down-to-earth language to explain the sometimes high-falutin' financial language that can be a barrier. His strategies are fundamentally simple: don't be in debt, save money before you buy something. He has undoubtedly helped many people find a workable strategy to put themselves on a path to financial security, and that is to be commended. But I found parts of the book deeply distasteful. My concerns:It's Self-Serving. You've probably heard of Dave Ramsey by now. He has a radio show, a whole series of classes and DVDs, and several books. This book aims to make sure you know who he is--the appearance of his name TWICE on the front cover, as well as the plug-in for his class "Financial Peace University," is just another way to build his personal brand. Now, that may be unavoidable--it is a self-help book, after all--but the repeated references back to Ramsey's personal products, other books, and stuff he's selling started to make me feel like I was at a flea market (want this? How about this? No? Well, you definitely need one of these!). Ramsey's a smart marketer; if he can get his hooks into you with this book, he hopes you'll buy everything he's ever made.He Doesn't Think Much of WomenI'm sure if you spoke to Ramsey--and he seems like a very affable and likeable guy--he would insist that he loves women and that I'm crazy for suggesting this, but his own book would be great evidence against him. Ramsey may like women well enough, but the book repeatedly takes a "that's nice, little lady" tone. Women are called out repeatedly based on negative female stereotypes--"stop shopping ladies!"--and reminded that they are best in the home with the kids, whereas men are repeatedly held up as the providers, the "real men" who "take care of their families," the ones who are the responsible ones. Even when he praises women (mostly via his wife) he is slighting them with more aw-shucks patronizing: following an apocryphal tale of President George H.W. Bush wherein Barbara supposedly gets the upper hand, Ramsey discusses the way decisions are made in his family--he makes decisions and "if I'm not careful, I'll just roll right over her when it's time to make a decision. It's not that she doesn't want to contribute..." Let me finish the line for him: it's that he's already made up his mind and his wife's vote isn't as important.This is further shown in his advice, including that married couples have one bank account and one only. That may work out very well for some people, and the more power to them, but having one bank account and no money of their own is one of the most common ways women end up poor: husband leaves, takes all the money and there is nothing in her name (or, she wants to leave, husband takes all the money, etc.). I feel strongly that both spouses need some way to access at least some money without involving the other. EvangelicalRamsey does a good job of talking to the reader as if you are just like him. Which is great, and is a sign of excellent persuasive writing! Except. Ramsey is an evangelical Christian, and you may want to avoid this book if you aren't as well. Even though I'm a Christian, I must not be the same variety as Ramsey. I felt that I was being beaten over the head with the Bible every other page for awhile there. And while I am happy that folks have a spiritual life they can tend and enrich themselves with, Ramsey doesn't even cater to the idea that you may not be the same. The chapter on giving never mentions how to give to charity except through your church. Further, his example about giving exorbitant tips to waitresses on Christmas Eve fell flat with me. He says the only reason a waitress might work that day is because she really needs the money. Well, Dave, I came up with a few other reasons:-Her boss won't let her have the day off, and while she doesn't need the money so much this month, she needs long-term job security, and that means she doesn't get to pick.-She's Jewish/Muslim/Buddhist/FSM-ist and doesn't celebrate Christmas.-She's Christian, but is celebrating Christmas in two weeks because that's when her family can all get together.-She thinks she'll get extra tips from the travelers desperate for a meal on Christmas Eve. And besides, it's generally quiet.Four reasons I just thought off on the spot! Not everyone is the same as you, man. Additionally, as an intellectual-type person, it is useless to me when he provides a Bible verse as the reason why I should do something. Sorry, I want evidence. History has shown that Bible verses can be made to fit just about any situation. Anathema to Debt or HelpThis is tricky, because I almost agree with him here, but he takes it to extremes that I find uncomfortable. Ramsey repeatedly insinuates that money should not come to people from the government, and further suggests that putting "burdens" on wealthy people will "make the golden eggs dry up." I see your Trickle-Down Economics at work, sir. Let's just say I disagree and found his mixing of politics with finances when it isn't needed.But further than that, he is completely 100% opposed to debt. On paper, I agree with him: debt is not a positive, and, particularly for people struggling under a mountain of debt problems, his strategies will be effective. But I think it's short-sighted.Debt, in my opinion, is like a pit bull: Sure, it can be awful, but it can also be useful tool when used properly. Much like a pit bull can be one of the meanest fighting dogs out there in the hands of an abusive animal, debt can turn on you quick. But a pit bull well cared-for and attended to will be the sweetest dog in the neighborhood. I think his "no debt at all" view is problematic in particular for young people. Ramsey's quite a bit older than me, so perhaps he doesn't remember, but having zero credit history (yes, that means zero history of debt) will make it hard to get: an apartment to rent; a job (they sometimes check the scores); a car; and, eventually, a mortgage on a house. Zero credit history is treated the same as bad credit history, and refusing to teach people how to handle credit responsibly means young people who end up in a bad spot. Additionally, his "pay cash for everything" strategy is an effective way to get him something else he rails against: kids coming back after college. One of the things that most upset me in this book was a story from a reader about how her son was going to school, the Dave Ramsey way! It is featured as an example of doing things right, and it hit me like a brick. In this story, a boy works hard in school, gets several scholarships, and his parents have saved money for some of his tuition for college...but it's not enough. Because they are following Ramsey's preachings, they don't get a loan of any kind, but instead pull their son out of college. He was already accepted, but he is forced to withdraw (wiping out, by the way, all that prepaid tuition money). He goes to community college (which has a drop-out rate of well over 50% right now) and then...drops out after one semester and joins the Navy. The story was submitted before the boy finished, but supposedly he was working on college classes while he was in the Navy. (This story is on page 251.)This story just breaks my heart. It's not a triumph. This kid was on a path to go to a good school in his state, but his parents dropped him rather than let him take on a loan. As a result, he is working on a ship somewhere far from home. I have a dear friend who went to the Navy, and...it's not easy. It wasn't this kid's real choice. He learned that his parents won't support him in his future. I feel sorry for him. The mom says "saying no to college was hard, but it turned out to be a good thing." Yeah. A good thing FOR HER. MistakesI found copy editing mistakes a few times, which always makes me leery, but then I found a glaring error of fact, which scares me more--a book is a big investment, so the time should be put in accordingly. When it isn't, it makes me worry about the rest of the content. (The mistake is this: Ramsey cites the New King James Bible as the "first in the English language." It wasn't. It's the third, and was created not as a way for folks to access scripture but as a political move to consolidate a divided country.)In Sum...This book has exceptionally good advice to help people get out of debt and establish new patterns. It's written for those who don't know much of anything about financial planning or organization. The basics are sound, and I found the chapters on insurance and investing basics to be the most informative and helpful. I also like that it comes with budget worksheets in the back. That said, this book is not for everyone. And I would say that it--and all the rest of the Ramsey brand--absolutely should not be the exclusive place you get advice. It comes down to what you value. My impression is Ramsey values money (the having, and the dispensing of it) above all else. In order to have money, he advocates sacrificing time, personal interests, sleep, a diverse diet, and educational opportunities for your children. Me? My values are a little different than his. Take his advice, therefore, with a grain of salt.

  • John Brown
    2018-09-25 06:12

    If you’re like 70% of America, you are living paycheck to paycheck, which means that if you or your spouse (assuming you have one) were laid off, you would probably have difficulties meeting your mortgage the next month. If you didn’t go into default on the house, you certainly would on other payments and bills. You also have very little retirement. You probably have around $7,000 in credit card debt. Maybe a lot more.You also have a car payment or two. Or, heaven forbid, a lease. You might be house poor—the house payment is so large you can’t seem to do anything else. You might have creditors hounding you. You might be one of those folks throwing their money away on the lotto instead of investing it. Did you know that if you invested $50 a month, an average of what many lotto players spend, in the stock market for 40 years, you’d very likely end up with $316,000 in the bank (over the last 40 years of ups and downs, the annualized return of the market was almost 10%). You would have put in only $24,000 over that time period, which means you would have made $292,203! But instead, if you’re a lotto player, you just throw all that out the window. (No, you’re not going to win; not even maybe in your dreams.)You probably think your kids will have to take out loans to go to college. And you think that’s a good idea. In fact, you probably think it’s a good idea to have a credit card just in case there’s an emergency because you don’t have any savings to cover any emergencies.The list goes on. The sad part of this is that our finances cause us average Americans a lot of stress in our lives and marriages and families (even if we’re in denial) and very often heartbreak. I know that a lot of us look at our financial chains and throw our hands up in despair—what can I do? The mountain of debt and bills are just too high. Besides, this is how everybody lives.But it’s not.There is a way out. And it doesn’t matter how old you are, it’s not too late.Dave Ramsey has written his hands-down best book ever, which will take you step-by-step through the process of turning a financial mess into financial peace. He’ll do it in a down-to-earth easy-to-read style. No confusing ten dollar words that make your head spin.Ramsey himself went through financial hell. He was the guy that made all the mistakes with his money. Lost everything. Had collection agencies coming after him. Didn’t know how he was going to feed the family. He turned that all around. Yes, he’s a millionaire, but more importantly, he has been working for the last twenty years to teach regular people with regular jobs the simple principles that lead to financial peace. They’re becoming debt free and working their way towards huge net-worth. You want a step-by-step plan? You want to educate yourself about money and family finances from one of the nation’s leading experts? Then go and purchase Dave Ramsey’s Complete Guide to Money today and start reading it. You will not regret it. If you already have his Total Money Makeover and don’t think this will be worth it, think again. This goes into all sorts of things the Total Money Makeover doesn’t.Be free, people. Be free.

  • Michelle
    2018-10-19 06:05

    I wish I had read this book two years ago. I would have been much smarter about my spending if that had been the case. But moving forward, I believe the things I have learned from the class and from this book will last me a lifetime. I can still change my future. One of the most impacting statements for me was this - You tell your money where you want it to go. Then it doesn't just disappear and you have little to nothing to show for your hard work. Create a budget and follow it.Dave Ramsey's Complete Guide to Money is an empowering book. Not to mention that the author's writing style is very conversational so it's like he's talking to you when he writes each chapter. The discussion questions at the end of each chapter are also provocative and designed to engage the reader in group discussion. But they are still beneficial if you are reading this alone and just looking for some wisdom/good advice on how to get out of debt and make your money work for you. This complete guide to money is a keeper and I'd recommend it to everyone who has spent money and wondered where it had all gone. I am now budgeting and not borrowing. No more credit cards. This book has changed my approach on how I view money and I'm grateful for the lessons Dave shared in the book. Highly recommended.

  • Nicholas Maulucci
    2018-10-07 02:23

    excellent. just financial common sense fleshed out into a book. excited about teaching our children these principles. excited about handling our money correctly. if we cannot take care of the least riches, how do we expect God to trust us with the true riches. revival awaits the stewardship of the least in order to usher in the true riches. recommended for all. a top 10 book out of the last 100 I've read. read it or remain a credit card paying, car payment paying sheep. two thumbs up!

  • Angela9600
    2018-10-17 23:26

    Started this one over 2 years ago and then life got busy. Pushed my way through it lately. A lot of good advice if you can push through and stick with it. I am keeping it in mind but not yet ready to dive into it full force.

  • Michael Galdamez
    2018-10-04 02:17

    I started this book last year when I and my family took Dave Ramsey's Finacial Peace University. It was a very helpful supplement and a great little book overall! I would recommend this and the whole FPU course to anyone, whether or not they think their finances are in order.

  • Nick Hepler
    2018-10-09 02:23

    If you have read the Total Money Makeover and are looking for the nuts and bolts details of the Baby Steps this book is an excellent choice. This would also be an excellent selection for someone interested in taking the Financial Peace University class, but doesn't have the time or money to take it; or just doesn't like the idea of going to a church to a class. Much of the material in the book is almost verbatim what you will hear in the FPU classes. The dust jacket indicates this is the handbook of FPU so it makes sense. The book is actually broken into 13 sections that mirror the old 13-week FPU curriculum. The book covers a wide variety of topics including communicating about money with your spouse, budgeting, tips on buying and negotiating, insurance, retirement and college saving and even finding work that hits your personality.

  • Kaity Bee
    2018-09-27 23:26

    This book is the beginner's guide for Finance Dummies who are looking to get themselves the heck out of debt. Dave Ramsey's writing is so easy to read- even in subjects of insurance, mortgages and 401(k)'s. I read this book in conjunction with the course, Financial Peace University and am feeling ready to tackle my student loan debt! With Ramsey's arsenal of budget-friendly, money-saving tactics we should be able to be debt-free in just a couple years.

  • Sarah
    2018-09-26 00:19

    Great book for getting your finances on track. I read it along with the class lessons we were doing so it explained more of what was going over in class. The questions at the end of each chapter really help me think about what we wanted our plan of action to be. If you ever get the chance to take the Financial Peace classes, do so, it is life changing.

  • Nicole Starner
    2018-10-08 01:05

    I would highly recommend this book to any person of any age and any income level who wants to take control of their finances and their future. I've made some significant changes to my money after reading this book and feel as though I have gained a wealth of knowledge. Now I must follow through!

  • Bill Rodriguez
    2018-10-09 04:18

    This is a great book and I wish I read it earlier.

  • Lizzy Seitz
    2018-09-22 03:19

    4.0 stars out of 5I was reading this along side with my Financial Peace University class and it's really well done. Not all the chapters apply to me right now but I'll definitely return to them when they do!

  • Amber
    2018-10-12 03:14

    Found his radio show on a lark and found it fascinating and useful. The book is an extension of his show.

  • Jeremy
    2018-10-10 03:13

    This kind of thing can completely transform someone's life/family. I'm glad we went through Financial Peace University at our church. At the very least, I've become more informed/intentional regarding our finances. This book is not an exact transcript of the video lessons—there's stuff in the chapters that's not in the videos, and vice versa—but it's close.4.5 stars because I'm not always convinced that Dave's connections to Scripture are accurate. (He doesn't care what I think, though.) For example, at one point in a video, he says that God isn't mad at us, but rather misses us. This is an either/or fallacy, and it's unbiblical. He may also imply that debt is sinful. But Prov. 22:7 is indicative (here's what happens), not imperative (don't do this). Plus, it's a proverb, which should be read as a proverb (consider genre) and not be absolutized without warrant. Proverbs are not always universally applicable (see Prov. 26:4–5), just as interpreting commandments require nuance. For example, lying to (and killing) an enemy during wartime does not violate the ninth or sixth commandments; additionally, Christ didn't always defend His good name, which Thomas Vincent says is implicit in the ninth commandment. However, I am glad that Dave tries.Apparently, you can win a Nobel Prize for demonstrating that "people’s financial choices often don’t follow rational economic theory." Who knew?I may come back later and fill in some of the details in this review.IntroductionCh. 1: Super Saving: Common Sense for Your Dollars and CentsCh. 2: Relating with Money: Nerds and Free Spirits Unite!Ch. 3: Cash Flow Planning: The Nuts and Bolts of BudgetingCh. 4: Dumping Debt: Breaking the Chains of DebtCh. 5: Credit Sharks in Suits: Understanding Credit Bureaus and Collection PracticesCh. 6: Buyer Beware: The Power of Marketing on Your Buying DecisionsCh. 7: Clause and Effect: The Role of Insurance in Your Financial PlanCh. 8: That's Not Good Enough!: How to Buy Only Big, Big BargainsCh. 9: The Pinnacle Point: Understanding InvestmentsCh. 10: From Fruition to Tuition: Planning for Retirement and CollegeCh. 11: Working in Your Strengths: Careers and Extra JobsCh. 12: Real Estate and Mortgages: Keeping the American Dream from Becoming a NightmareCh. 13: Give Like No One Else: Unleashing the Power of Generous Giving

  • Stacy
    2018-10-10 22:21

    I took Dave Ramsey's Financial Peace University class as I was reading this book. We've paid off some debt, and I've gotten hooked on his podcasts. I highly recommend his program.

  • James
    2018-10-02 03:31

    It has been over a month since we've started using Ramsey's baby steps, and I can tell you that no book (other than the Bible) has so greatly affected my behaviors and thoughts about money.As Ramsey says several different ways himself: this information is not new, I (Ramsey) just packaged it well—it's the same God-given wisdom your grandparents gave to you... had you been paying attention!I bookmarked several sections in this book that I will come back to when it is time. Since the wife and I are just starting out with baby step number 1, this book will be of continued use to me.I recommend this book to anyone that can't afford to buy everything with cash. Obviously, almost all Americans can use a money makeover. I didn't realize how "broke" my money mentality was. My former behaviors with money would have kept me relying on dept for the rest of my life. Now I am actively taking steps to win, live debt free, build wealth, and give like crazy. Thanks for the resources Dave!

  • Doug
    2018-10-03 03:25

    In summary, [Financial Peace University] and “Dave Ramsey’s Complete Guide to Money” will be particularly helpful for those who have a decent income but aren’t wise in how they spend-if they follow Ramsey’s instructions. I would particularly recommend it for these people. Others will find useful information and tips. For those who have a decent income but already handle their money fairly wisely, I would probably recommend simply reading the book; the full course may be overkill. Those who have low income can also learn from the course, but it likely will be a frustrating journey and won’t necessarily help with their greatest need: increased income. Read more...

  • Wanda
    2018-10-09 23:12

    I think this book creates a great guide to getting out of debt. I am currently working the steps and doing quite well, I think. Also, Dave Ramsey infuses scripture throughout the book. As a Christian, i think this is important. You are being a good steward and following "guidelines" from the Bible. There is information about investments and retirement, home buying and selling, dealing with debt collectors, etc. A great handbook if you are looking for some general information about these and a few more topics. The book follows his FPU class. If you cannot afford the class, this is a good book to find out what the class is all about!

  • Tamra
    2018-09-30 00:34

    This book is a major step up from Financial Peace Revisited. It spells things out without any unneccessary extras. To the point, helpful, and straightforward. All of Dave's books are easy-to-read and light, even though the subject matter is pretty dense and daunting. Dave is funny and enthusiastic and inspiring, and his books are delightful. You walk away thinking, "I can do this!"If you're wanting to read one of Dave Ramsey's books, I recommend Total Money Makeover. I think it's the best over-all book. Complete Guide to Money assumes that you're in Financial Peace University classes.

  • Aida
    2018-10-16 00:32

    It's an excellent book! I would give it 100 stars if I could. It completely changed the way my husband and I manage our finances. It's true what Dave Ramsey says, it's 20% head knowledge and 80% behavior. Loved the book!! Our lives will never be the same. Now we know how to budget and how to give each dollar an assignment. Not only that, but Dave Ramsey cautions us on what tricks and schemes we should be aware of to avoid at all costs. The importance of insurance and investing is also discussed. This book is great for anyone who has money in their hands from the elderly to our teens.

  • Grace
    2018-10-12 01:08

    I just finished going through Dave Ramsey's Financial Peace University class (which I highly recommend!) This book is basically a written version of the CDs/DVDs that are part of the class. This book is a great companion piece, and good for reading after the class as a reminder of how to change your thoughts and habits about money. Even if you read it by itself, without the class, there's a lot of wisdom and insight and the book could be very helpful to anyone wanting to change their financial situation.

  • Dave Dalbey
    2018-10-08 06:33

    I recommend this to everybody not because it's a page turner, but because there's applicable information for anyone on how to handle money. Good book and very helpful information. I'm not very big on how to books, but Dave Ramsey's book and class helped change our view on debt and how to aggressively pay it down. Beyond how we handle our daily finances there is good instruction on personal insurance, wise investing, home buying, etc. most of this isn't rocket science it's just plain talk that can change your life to allow financial peace.

  • Elizabeth Meadows
    2018-10-17 02:18

    This was the book we received with the Financial Peace University home study course. It was very easy to read and contained a lot of helpful information. I have heard most of this before from years of listening to Dave's radio show and reading his other books, but it is always motivating to have periodic reminders to keep you on track financially. I highly recommend this book and Financial Peace University. We have been following this plan for several years and are completely out of debt house and all.

  • Carolynn
    2018-10-19 03:08

    I really liked the book. It had a lot of great, practical information, and I can see myself reading it many times. The only reason for my 4 star rating is that I was also enrolled in FPU while reading the book (it came in the course materials) and it was pretty much word for word the same as the DVDs or audio CDs. It's a great place to start if you're new to Dave Ramsey, but I think they should consider putting a different book in the course materials.

  • Donovan
    2018-10-19 23:30

    A great and simple book on how to manage money properly. (And yes it works, because it's generally a plan that follows common sense combined with his business/financial acumen). Ramsey writes well and with humor and understanding. This book follows the video series very closely. Highly recommended if you don't take the Financial Peace University course.

  • Jeff Elliott
    2018-10-08 23:11

    This book is really a condensed version of the 9 week presentation that Dave gives in Financial Peace University. Not being a big fan, I did not anticipate that I would take the class but after the first week I decided I would take all the classes. All couples should attend these courses before getting married. Dave's lessons and steps are simple, practical and helpful.

  • Matthew
    2018-09-26 22:06

    This book obviously has some good points and I believe that most people would benefit from reading this book and implementing the suggested steps.I do believe that Dave is way off on his investing chapter.Also, this book is nearly identical to his previous book I read, The Total Money Makeover. That is why I only gave it three stars.

  • Nikki
    2018-10-07 06:21

    Loved it! Might not be the thing everyone would get a kick out of reading, but it was very helpful and I am now totally hooked on the Dave Ramsey radio talk show. I recommend this book to anyone who is tired of wondering where the money goes every month!