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sarahanne8382 's review for:
If you've spent much time around me lately, you may have noticed my recent infatuation with Dave Ramsey. When I first happened to catch his radio show about a year ago, I scoffed. He sounded like my dad's financial planner on steroids. But in these difficult economic times, his no-nonsense approach to personal finance is a welcome return to simpler times when everything under the sun wasn't sold for a low monthly payment.
The Total Money Makeover is a more practical how-to version of Ramsey's program that he wrote after people had read Financial Peace and still wanted step by step instructions on how to live out the principles explained in that book. This volume is full of real life stories of people who have followed the baby steps and gotten themselves out of debt. After a few introductory chapters to make sure you are in the right mindset to attack your debt, Ramsey then spends a chapter detailing each of his baby steps. The worksheets included in Financial Peace are expanded and cleaned up here to be even more usable for readers in their fight against debt. Despite the overwhelming overuse of Ramsey catchphrases, I will likely purchase this, the more practical of Ramsey's books, to reference as my husband and I work through the baby steps.
It's really hard to distance myself on this one, because I listen to Ramsey's podcast and have totally bought into his plan for eliminating personal debt. That being said, though, I can see how his refusal to finance anything (except maybe a house) could rub people the wrong way, as well as the Christian overtones to his message and the religious fervor with which people follow his personal finance teachings. Basically, Dave Ramsey is one of those polarizing personalities that people either love or hate. If you're interested in taking a simple, no-nonsense approach to debt reduction then it's worth your time to at least check Dave Ramsey out. If, on the other hand, you want a get rich quick scheme, then you're in the wrong place.
The Total Money Makeover is a more practical how-to version of Ramsey's program that he wrote after people had read Financial Peace and still wanted step by step instructions on how to live out the principles explained in that book. This volume is full of real life stories of people who have followed the baby steps and gotten themselves out of debt. After a few introductory chapters to make sure you are in the right mindset to attack your debt, Ramsey then spends a chapter detailing each of his baby steps. The worksheets included in Financial Peace are expanded and cleaned up here to be even more usable for readers in their fight against debt. Despite the overwhelming overuse of Ramsey catchphrases, I will likely purchase this, the more practical of Ramsey's books, to reference as my husband and I work through the baby steps.
It's really hard to distance myself on this one, because I listen to Ramsey's podcast and have totally bought into his plan for eliminating personal debt. That being said, though, I can see how his refusal to finance anything (except maybe a house) could rub people the wrong way, as well as the Christian overtones to his message and the religious fervor with which people follow his personal finance teachings. Basically, Dave Ramsey is one of those polarizing personalities that people either love or hate. If you're interested in taking a simple, no-nonsense approach to debt reduction then it's worth your time to at least check Dave Ramsey out. If, on the other hand, you want a get rich quick scheme, then you're in the wrong place.