When people ask me where I grew up, I always say "Debt USA--and I've never left". Isn't that a terible place to be? The constant worry everytime the telephone rings and the dreaded walk to the mailbox that feels spookily like the "Green Mile". Well, here is your chance to move to "Debt-Free USA"...an incredible place to be!! This book allows us to see what it's like to be free of those thousands of dollors in credit card bills, car payments, etc.--all of which result in more wrinkles for us from the worrying and who wants that?! This book gives us hope-- "I CAN BE DEBT FREE!". The author's idea is really pretty easy: work hard and pay cash for everything. Now, I know what you're thinking, "Yeah right". But it doesn't stop at that--Mr. Ramsey actually tells us how this can be done! This is his general idea: get rid of the credit cards, pay them off as quickly as possible and stop the needless spending until you are free of your debt. After you read this book, I think you will feel a little lighter than before and you will see the silver lining to your cloud. HIGHLY recommended! A+++!!!

I have lived on PLANET DEBT for 15 years now. I have received the phone calls, received letters from creditors and had the proverbial wolf knocking at my door. This book offers Americans a glimpse into another WORLD –PLANET DEBT-FREE!! Instead of being weighed down with thousands of dollars of credit card debt, new car payments, etc ---which results in staying awake all night wondering how to pay the bills. It is possible to be DEBT FREE!

Mr. Ramsey’s philosophy is simple: working hard and paying cash. The book doesn’t end with this tidbit of wisdom but he shows us how this can be done!! In this time of economic chaos Mr. Ramsey has the cure: Cut up credit cards, work hard to pay them off and eliminate frivolous spending (restaurant meals, etc.) until you are debt free. In this book, Ramsey shows you how to climb out of the money pit you've dug for yourself so you can have "more than enough" of everything. Highly recommended advice!!

Both my parents were bankers, and so, as long as I was with them, all my finances were taken care of. So I never stepped into a bank till I was 22. Now I have a job, and I'm on my own, and it was so horrible. I felt too embarrased to ask anyone, and I didn't want to go back to my parents either. I read this book, and the author's approach to it all was so practical. I learnt a lot, not just about saving money, but about giving it back as well. It helped me manage my finances better, I learnt to invest, save, I even fixed a budget for myself. For my standards, that's a HUGE thing. I owe the author so much!!

I love Dave's no nonsense, common sense approach to mangaing and maintaining money. He comes at your from a very real "I've been there, I've done that" viewpoint which I can respect.

While at first, some of his ideas made me say, "He wants me to do what??? How can I live without credit cards? How does he really think I can pay cash for that?"

To his credit, his ideas, even though they can be met with a sense of disbelief for the reader, keep you reading because of his sensible and down to earth style. He doesn't just focus on debt, and I love this about him. Debt is a symptom, healthy finances are a solution is more his mantra.

Everything from college savings to retirement is handled brilliantly in this book in a "you can do it" fashion. For people who are truly serious about changing their financial destiny, you will find this book valuable, and you will probably even become a regular listener to his radio show.

If you implement these principals in your everyday life, you will find that your finances are much less of a burden, no matter what your income.

This book Follows Dave Ramsey's original "Financial Peace" book. In this book Dave outlines his financial principals(which are excellent) but also teaches us to be happy with what we have in our lives by sharing his personal rags to riches story. It is heart warming, at times funny and will teach the reader a great lesson! This book has a teaches us about contentment, generosity, patience and dedication. This is a great financial book but it is also a huge motivational book on an emotional level.