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Reviews
Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families by Dave Ramsey
bheidok15's review against another edition
5.0
Can't wait to apply his tips for my own financial life (God only knows I needed them)!!
winkattheduck's review against another edition
5.0
I wish I would have read this book when I turned 18! It's easy to read, simple to understand, and encouraging the whole time.
I'd recommend this book to anyone starting out on their own. Even though it was written 10+ years ago, it is still relevant today.
I'd recommend this book to anyone starting out on their own. Even though it was written 10+ years ago, it is still relevant today.
finesilkflower's review
3.0
This is one of the classic layman personal finance manuals, focusing on getting out of debt, reducing spending, saving for a rainy day, and building a retirement nest egg. Ramsey's advice is for the most part solid, although he can be extreme with his anti-debt stance (he even wants you to pay off your mortgage ASAP). His investment advice is iffier and betrays some basic but common misunderstandings of the way the stock market works, but is mostly harmless. I would be comfortable recommending this book to someone who might find it helpful: a decent, salt-of-the-earth, financially struggling, Christian conservative.
What Ramsey gets especially right is the attitude. He gets you ANGRY at debt. Angry at waste. Angry at anyone who wants to make a sucker out of you. This is what gets people going. Even if his advice isn't the most 100% mathematically correct, it's much more likely to light a fire under a reader's butt and get them to actually SAVE and CHANGE than a dry, mathematical manual would.
Dave Ramsey is an interesting character. He has helped many, many people get out of debt and get control of their finances. I have spoken to people who find him incredibly inspirational. I have no doubt that he has improved a lot of lives. His advice is simple and common-sense; for the most part, I do agree with him, which is surprising considering that I'm normally completely alienated within two sentences out of the mouth of a fundamentalist Christian Republican. I listened to his radio show for awhile, and I can see how it's motivational to hear people give their "debt free scream" and to hear him gently talk some freaking out single mom through her situation. He actually gets into politics fairly rarely, but I had to stop listening because it's often enough that it makes me feel upset and ill.
The book is fairly apolitical; it does bring in the Christian stuff a little more than the show usually does. He quotes scripture a few times, but it's actually pretty okay. I actually found the relationship advice more bothersome because it assumed a heteronormative, Men are from Mars paradigm, but at the same time, if you can get past that, it is pretty good advice. Ramsey suggests ways to get both members of a couple involved in finances and pulling on the same side.
What does skeeve me out sometimes is the feeling that Ramsey is trying to get you to buy a product. He has this vast empire built out of his classes, books, programs, and from working with a network of approved vendors--anyone from investment brokers to insurance salespeople to home inspectors. I don't believe there's anything necessarily wrong with making money off of your skill and your passion, and he doesn't need to do his counseling for free to do good, I do have to wonder if some of his advice is driven by a profit motive--if he plays down the danger of high expense ratios because he gets a cut from his approved brokers, for example.
Actually, Dave Ramsey is a lot of like Suze Orman. Both give mostly good advice that is clear, easy to follow, motivational, sub-optimal but probably mostly harmless when it comes to the stock market, and potentially infused with creepy conflicts of interest. But Suze has gays on her show and Dave doesn't, so I listen to Suze.
What Ramsey gets especially right is the attitude. He gets you ANGRY at debt. Angry at waste. Angry at anyone who wants to make a sucker out of you. This is what gets people going. Even if his advice isn't the most 100% mathematically correct, it's much more likely to light a fire under a reader's butt and get them to actually SAVE and CHANGE than a dry, mathematical manual would.
Dave Ramsey is an interesting character. He has helped many, many people get out of debt and get control of their finances. I have spoken to people who find him incredibly inspirational. I have no doubt that he has improved a lot of lives. His advice is simple and common-sense; for the most part, I do agree with him, which is surprising considering that I'm normally completely alienated within two sentences out of the mouth of a fundamentalist Christian Republican. I listened to his radio show for awhile, and I can see how it's motivational to hear people give their "debt free scream" and to hear him gently talk some freaking out single mom through her situation. He actually gets into politics fairly rarely, but I had to stop listening because it's often enough that it makes me feel upset and ill.
The book is fairly apolitical; it does bring in the Christian stuff a little more than the show usually does. He quotes scripture a few times, but it's actually pretty okay. I actually found the relationship advice more bothersome because it assumed a heteronormative, Men are from Mars paradigm, but at the same time, if you can get past that, it is pretty good advice. Ramsey suggests ways to get both members of a couple involved in finances and pulling on the same side.
What does skeeve me out sometimes is the feeling that Ramsey is trying to get you to buy a product. He has this vast empire built out of his classes, books, programs, and from working with a network of approved vendors--anyone from investment brokers to insurance salespeople to home inspectors. I don't believe there's anything necessarily wrong with making money off of your skill and your passion, and he doesn't need to do his counseling for free to do good, I do have to wonder if some of his advice is driven by a profit motive--if he plays down the danger of high expense ratios because he gets a cut from his approved brokers, for example.
Actually, Dave Ramsey is a lot of like Suze Orman. Both give mostly good advice that is clear, easy to follow, motivational, sub-optimal but probably mostly harmless when it comes to the stock market, and potentially infused with creepy conflicts of interest. But Suze has gays on her show and Dave doesn't, so I listen to Suze.
kmdahlgran's review against another edition
4.0
Hubby and I read this as we took the FPU course at a local church. When following the course, the chapters are read out of order and are very similar to what we watched on the DVD in class. This made it a little repetitive for me, but I think the info is good and very useful.
mayalaurent's review
4.0
This is a great, quick read for anyone wanting to get their financial situation under control or get ahead and stop using credit. Ramsey tackles the issues of constantly using credit to purchase things, including car loans and home equity loans.
He details how to get out of debt and how to begin to save. Once those two things are tackled then he detailed how to start investing and building wealth. Obviously Ramesy has a huge success rate for those who have followed his book and his advice on his radio show and I can see how that is with how simple his "rules" are to begin and make part of your life.
He details how to get out of debt and how to begin to save. Once those two things are tackled then he detailed how to start investing and building wealth. Obviously Ramesy has a huge success rate for those who have followed his book and his advice on his radio show and I can see how that is with how simple his "rules" are to begin and make part of your life.