The only reason this book misses a fifth star is because Dave seems to take forever to explain the process of how people can get out of debt. I would have preferred a bullet-point summary at the beginning following his introduction and then systematically follow that throughout his book. I also seem to disagree with Dave's ideology about gold and by it not being a safe investment but this is not the purpose of this book. Dave certainly knows his stuff and will provide a step-by-step process to help anyone get out of debt. I would highly recommend this book to anyone that is trying to work around his chronic debt problem. The only reason this book misses a fifth star is because Dave seems to take forever to explain the process of how people can get out of debt. I would have preferred a bullet-point summary at the beginning following his introduction and then systematically follow that throughout his book. I also seem to disagree with Dave's ideology about gold and by it not being a safe investment but this is not the purpose of this book. Dave certainly knows his stuff and will provide a step-by-step process to help anyone get out of debt. I would highly recommend this book to anyone that is trying to work around his chronic debt problem.
Typically solid advice about saving, not getting into debt, arguments against leasing cars, etc. The thing I like about this book is it's not any quick fix miracle financial formula, but one requiring actual work, sacrifice, and time to accomplish. The annoying parts of this book however, are when Ramsey mentions god, and how god has helped him to become more financially well off. Anyone who credits a mythical being to their accomplishments gets me second guessing their content.
—Georgie
90% of this is great advice and highly recommended. 10% of it is just so wacky I'm not sure what Ramsey is thinking. (1) Debt snowball should go from highest interest rate to lowest. Anything else is costing money. (2) Growth mutual funds have their place, but I would never suggest a 70 year old have all their investments in growth mutual funds. But overall, a great PLAN (not just lessons) for getting one's financial house in order.
—Hay
I really enjoyed it and am implementing his system now!
—lulu
