The information within the book is really eye-opening and useful. However, I can't give the book anything higher than 3 because the writing was awful. He used mix metaphors (at one point he was talking about Santa and then referred to the Bat Phone). The "Thoughts by Sharon" were unnecessary and unhelpful. On the positive side, I do plan on implementing his techniques. ( )

Advice on how to have financial peace. ( )

Dave has 'gone National' on us since this book was published - He has an excellent radio show, taking questions and comments from his audience.
He does the same on his television show, also available in markets across the North American Continent.
Dave admits to Learning, Graduating really, from The School of Hard Knocks. He Learned EARLY ... and he learned GOOD! He is a Man on a Mission - to wipe out Credit Cards.
I applaud and thank Dave Ramsey! ( )

It's probably an unfair rating for this book to give it 2.5 stars but my primary reasons for finding it mediocre are:

1. I read his Total Money Makeover last week and found it more direct and well put together (assuming you skim the testimonials as I did). This one seemed to linger too long in generalities before getting to the actual plan.

2. The actual plan is largely the same as Total Money Makeover. I expected at least something different...

3. Even more "God" in this one. That was not intended to be a low blow as I begrudge no person their faith. It's just that I was looking for a book on finances...not Christianity. There was some of that in Total Money Makeover but less.

It's decent but I'd recommend Total Money Makeover instead and tell you to skim the testimonials in that one when they get monotonous. ( )