Dave Ramsey's books are wonderful. He has so many nice tips on money management in this book. He has a very clear process that does work. I have been following his process for some time now and it is just amazing how everything has been working out. My father gave me a lot of the same advice, but somehow or other I didn't have the strength or maturity to follow it. But Dave has been like a financial father to myself and so many others, and through his words … more