I bought this book because I have a lot of debt and I wanted some guidance in how to get started on lowering the amount of debt that I have. I found Dave Ramsey’s advice and his book excellent for me. The book was very easy to read and the sequence of chapters was easy to follow. The best part for me was the information made sense and I understood the concepts of his program. Most of the plan is really just common sense, but it helped to have an outside person telling it to me! The snowball effect really worked for me and I noticed my debt start to go down. The best part of the book was having all the forms and templates already prepared and ready to use. I would definitely recommend this book to someone who wants to reduce their debt and is also willing to work hard at it!