3.0

Dave Ramsey's financial plan is pretty simple: Get a well-paying job, don't borrow money, invest your money at 12% interest and retire on the dividends.
He did give some good practical advice, but most of the book is spent trying to hype up the reader to stop wasteful spending. I felt like the actual meat of the book could have been a tri-fold pamphlet.
One quote I liked: "Wealth will make you more of what you are. If you are a jerk and you become wealthy you will become the king of jerks. If you are generous and become wealthy you will be most generous."