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 - Great for people with debtThis book contains a lot of great information for getting out of debt. The suggestions are easy to understand. I also enjoyed the testimonials. However, for someone like me with only a mortgage (cars are paid off, no credit card debt) many of his steps are difficult to implement. I also found that he seemed to repeat himself repeat himself many times. I suppose repetition is a good thing. Overall, good book. I would recommend it to my friends and family. Rating:  - Great Book- palatable- laymans termsGreat book. He does a nice job laying out the basics. As he says there is nothing in there you haven't heard from your Grandmother or the bible. It's not a "Christian" book, it's a get-yourself-safe from financial risk book. I highlighted it and went back and took notes to make sure I captured the data. Personally, I am not highly in debt but there was a lot of good lessons learned. This book is for everyone- young and old, in debt or not, married or single. I avoid books like this but it was recommended to me and I'm glad I took shot. Get the workbook- it helps. Nice job, Dave. Great book. Rating: - Excellent review of the real essentials of personal financeRamsey makes clear from the outset that personal finance is 70% behavior and only 30% knowledge. I actually feel behavior likely constitutes a minimum of 80% of personal finance. The basic principles are not complex, yet most people still fail to manage their money effectively due to lack of impulse control and discipline. There is nothing about any get-rich-quick-top-secret-never-before-revealed-guaranteed-instant-wealth systems in here, so if that's what you a looking for you should probably look elsewhere. This book is also refreshingly free of the anti-capitalist, anti-western, left wing propaganda that so commonly afflicts books of this ilk. No need to feel guilty for living in a nation that that has scrambled it way to the top or that you and your ancestors worked hard and intelligently to get where you are today. With the above factors in mind, I'm not quite sure why this book is being criticized as primarily motivational. Motivation is exactly what most people need to live a financially disciplined life. This is definitely on my short list of top finance recommendations. Rating: - Money MakeoverThis is a great guide book for young people. I bought one for each of my grandsons who are in their early thirties. Muriel Oehme Rating: - A budget that I understoodI read this book from front to back surprisingly. It's so great. I would try giving this book to newly married couples so they can plan now and not get into debt. Now my husband and I can continue to stay out of debt. I love the budget...I finally understood this one.
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