Rating: 
Summary: Life changing book
Review: My husband and I have gained so much from this book that we now give it as a wedding gift. Following Dave's plan we were able to eliminate all of our debt. As a result I can be the stay at home Mom. Dave has taught us how money works as well as useful information about insurance, credit cards, and investing. We now owe no one...but Dave Ramsey!
Rating:
Summary: Grass Roots Personal Finance Monster!
Review: A great book of common sense and financial wisdom. After I started to read this book, I couldn't put it down. It made me realize all of the financial mistakes and un-wise choices that I had made through the years. It help give me the strenght to believe that their is a light at the end of the dark tunnel of debt and that I could get out into the light of debt-freeness. I am now well on my way to being debt-free and this book helped give me the inspiration to tackie that great task.
I very much recommend this book for anybody that needs inspiration to get out of debt and wants to pursue a better life.
Rating:
Summary: Life changing advice, easy to understand
Review: This is the best book I have ever seen on personal finance. It is easy to read and uses entertaining anecdotes to keep the reader interested. So much of the world of personal finance is dominated by people and institutions selling financial products. Ramsey calls for people to be cautious about financial products in favor of simply living on less than they earn and paying down debts. When a salesperson approaches us and says "May I help you?" we prepare ourselves to talk to someone who is trying to sell us something. With financial products, especially debt, people are often too eager to be sold. I think it's rare to hear this point of view because a lot of the information we get about personal finance flows from lending institutions. Think of this book as the other side of the story. This book gives hard-to-find advice about how to deal with financial emergencies. There's a whole other side to the unctuous, friendly-sounding credit card offers that are so common-- they lend money to people who cannot afford it. When people cannot pay, they sell the accounts to bill collectors who try to get people to put their obligations ahead of basic necessities by using lies, obscenities, threats, insults, and any other tricks they can think of. Where else do you read about this? As other reviews have pointed out, Ramsey has an abrasive personality and right-wing political views. I totally disagree with his right-wing values, but he doesn't spend enough time on them to detract from the valuable personal finance information. Another criticism is that Ramsey uses his "ministry" as an advertising vehicle for the very financial institutions he's criticizing. He claims that institutions that he endorses operate by his principles. I doubt, however, that he is picky about his endorsements, so follow Ramsey's advice from this book-- be skeptical about financial products, even ones he endorses on the radio. I highly recommend this book. It can be easily understood by someone without a high school education and no experience with money. It has advice aimed at helping such a person with financial problems. At the same time, it has equally valuable advice for someone with an advanced education and high-paying job. High-income people often feel pressure to live an affluent lifestyle at the expense of other priorities. This book is a good antidote to that pressure.
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