Let me start out by saying I LOVE DAVE RAMSEY!! He has changed my life and my "family tree" as he would say. My husband and I are working through his program to pay off our debt and save up for a down payment on a home. We have a small amount of debt that we are going to get "gazelle intense" on so we can make our life peaceful. I started on his program and read the Total Money Makeover book first. I believe this is his most effective book that he has written. It not only shows you how to work through his program, but it also gives you inspiring stories of families that have changed their lives with this program. He really opens your eyes on what you can do to free yourselves from the debt and the grip of debtors. He really gives advice on how to better your lives. He has a revised edition of the Total Money Makeover book. I own 4 of his books, including two of the editions of this particular book. I recommend this book to anyone who wants to live their lives without the worry of how to pay the bills or how they are going to retire.