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What our customer's say!

"This Book will Help you . . ", I have read 4 of Dave's books. I would rank this # 2 behind The Total Money Makeover or the Workbook version of the same title. The concepts are similar to the Total Money makeover but less examples of how to do things and how to put into practice versus The total Money makeover. On that basis, I would recommend reading the Total money makeover first, then this one for other insights. This book does still give you the groundwork of how to do it (get out of debt) and put into practice healthy habits that will make you rich over time.

"Required Reading! ", I checked this book out from my local library. It has changed my life and finances for the better. I am in far better financial shape now than when I was addicted to debt. I bought Dave's other book for my brother and I am now buying this one for my neice's wedding. I just wish that someone gave me this book 22 years ago when I got married!

I approach is simple. Get out and stay out of debt using his baby steps. I recommend listening to his radio show to help reinforce the principles of the book and provide encouragement.



"Overall Financial Peace View", This book is a good first step towards Financial Peace. This book explains an overview of Dave's history, and how to find Financial Peace. Ramsey's next book "Total Money Makeover" explains in more detail HOW to find Financial Peace.

This book is written as a high-level primer on how you'll proceed towards a debt-free life. It's not needed if you visit www.daveramsey.com or listen to Dave's radio show, but serves it's purpose.

"Ames, your review is ridiculous...", Ames, your review of Financial Peace is so full of jealousy and resentment it is truly sad.

"When Dave Ramsey can live off of $24,000.00 a year, and have a family, then perhaps I can listen to him." He's actually had to live off less than that in the past and even went bankrupt before he got his act together. So he's walked in your shoes, didn't like how they fit, and decided to DO something about it.

"However, I believe in putting my family first. That does not include getting two or three jobs to pay off debt, and make my family suffer; no way!" Great job, Ames! Way to use your family as an excuse to be lazy and mediocre! By getting out of debt as soon as possible, you ARE putting your family first! Have you ever heard of the notion of "short-term suffering for long-term gain"? Obviously not. Dave isn't saying go get three jobs for the rest of your life and neglect your family. He's saying if you have to get three jobs for six months or a year or two to get out of debt, so be it. So what if you miss out on some time with your kids? Your wife should be their primary caregiver anyway! As the man and head of your household, your primary role is PROVIDER, not loving caregiver. By getting your family out of debt, budgeting, investing, and giving, you're giving your kids an example to follow for the rest of their lives - something far more important than "playtime".

"Dave claims to be a religious man, and if that were the case, he would realize that the Bible says that family comes before the love of money (as well as a few other things)" No, he claims to be a Christian, and all of his ideas and attitudes about money are Biblically sound. Nothing about Dave's plan advocates the love of money. It advocates the responsible stewardship of what God has given us, caring enough about our families to not be broke, and generous giving.

"And finally, the man makes hundreds of thousands a year. I just can't follow the words of someone who does that and expects normal people to live." No, he makes millions a year and he deserves every cent. So you must only follow the advice of "normal" people, right? If two people at the same level just keep taking one another's advice, they'll both stay exactly where they are. An intelligent person finds those who have done better than himself and follows their example. But you just go ahead and keep following the advice of "normal" people - I'm sure you'll keep raking in that $24K a year - hope you're satisfied with that. Nothing about Dave's plan involves being normal or average. Normal people use credit cards. Normal people don't have a clue what discipline and restraint are. Normal people fight about money and get divorced. Sounds great to me, let's all be normal! No thanks, I'd rather live like no one else so that later I can live like no one else!

What it comes down to Ames, is that you don't have the discipline, desire, or sense of responsibility necessary to do anything different from what the average American does. So stay mired in the muck of mediocrity with all the other normal people - I'll be sure to wave to you on my way up to something better for me and my family.

Financial Peace gets 5 stars, Ames' review gets the goose egg.

"Must Read!", I wish I would have read this book twenty years ago! It will be required reading for my kids.

Read this reviews before You buy...

"Changed my life!", Okay, that sounds so cliche. But, some of this stuff is so simple it's like "duh". One of the first steps is to create an emergency fund of $1000 instead of recharging up the credit cards everytime you had an emergency. Gee, why didn't I think of that?

We sold out $32,000 leathered up mini van with DVD player and bought a used model on a 2 year note. We started buying major purchased with money we'd saved up. Hmmmm.....saved money--another weird concept. 18 months later we have NO debt except for our house and I sleep goooooood at night.

"Possessing Financial Peace", I've read Financial Peace a couple times before but this time was in conjunction with going through Financial Peace University. Both the book and the course have some great information on personal finance.

The driving principles behind Ramsey's philosophy are live on a budget, pay off debt as quick as possible, build an emergency fund, and get rich slow through diversified investments rather than trying get rich quick schemes.

He describes 7 baby steps (a phrase borrowed from the movie "What About Bob?") to financial peace. The first is to go crazy to build up a $1,000 emergency fund. This will allow you to take care of true emergencies while getting out of debt. (Things like going out to eat, new clothes for school, Christmas presents, etc. would not qualify as emergencies.) This emergency fund also allows you to cut up credit cards and never use them again. Since funds are available to cover unexpected expenses credit cards are no longer necessary. (And yes you can purchase anything online, rent a car, or book a hotel with a debit card. Anything you can do with a credit card can be done with a debit card)

He quotes studies by Dunn & Bradstreet indicating that consumers purchase 12-18% more when using a credit card versus using cash. Having to look Uncle Benjamin, Abraham, George, and Andrew in the eye and tell them that they'll being going to live with someone else is an emotional experience and has an ouch factor to it that swiping a card just doesn't have. McDonald's has also done studies indicating the people paying with credit cards end up buying around 30% more than those paying with cash. So yeah, even for those paying off their card every month and getting "skymiles" or "1% cash back," you likely bought 12 to 18% more by using that credit card. Hope you enjoy the "free flight."

The second baby step is to list all debts from smallest to largest and pay minimums on all except the smallest one regardless of interest rate. Once the smallest one is paid off you would roll that money into the second smallest one and so forth. The concept is referred to as a debt snowball.

Mathematically it might seem more advantageous to pay the highest interest card first and on paper this is accurate. However, personal finance is 80% behavior and only 20% head knowledge. When you start seeing the traction and progress you're making you get excited and more focused "gazelle intense" and start really attacking the debts which result in getting out of debt quicker.

Ramsey encourages selling so much stuff the kids start hiding 'cause they think they're next and naming the dog "eBay." Picking up extra side jobs whether that be delivering pizzas, cutting grass, babysitting, cleaning houses or some other hobby which generates money is also encouraged. He also advocates paying only cash for cars not only to stay out of debt but also to avoid the beating in value you take when driving the car 10 feet off the lot.

After paying off all consumer debt not including the house if a home is owned, baby step number 3 is increasing the emergency fund to 3-6 months of expenses. This emergency fund should be placed in something that's extremely safe such as a money market or savings account. One good reason to have this amount of an emergency fund is in cases of losing a job you would have a solid 3 to 6 months to look for one without the pressure of paying bills with no income.

After building the emergency fund to 3-6 months of expenses, you then move on to baby step 4 which is investing in a retirement plan through work if they match a percentage of your contribution and then through a Roth IRA. If there is no matching from the employer in a 401k, 403b, or TSP, you would start with the Roth IRA which grows tax free. Using mutual funds with solid 10 year track records is a great diversified investment strategy for a retirement account. One would also want to spread money around to various mutual funds such as a growth & income fund, an aggressive fund, an international fund, and a value or balanced fund. The goal is to invest 15% of a paycheck into retirement.

You then move on to baby step 5 which is funding education for children. This can be done through a couple different tax defered accounts such as an Education Savings Account (ESA) or a 529 plan. Only after building up retirement should one start on the kids college. Kids can get scholarships and work to help pay for college but retirement is not something that should be put on hold. You really don't want to be eating dog food in retirement.

After all 5 of these steps are in order, you would then pay everything else down on the house as quick as possible.

Once the home is free and clear, you win and have true financial peace. At this point, you invest in 100% paid for real estate as well as continuing to invest in solid mutual funds. You can now live the life you've worked so hard for and give lots of money away.

I highly recommend this book and the Financial Peace University class to anyone. Even those who already know a good bit about personal finance can benefit from them.

"OPRAH GET THIS BOOK IN YOU CLUB !", WOW what book! dave is powerful in his methods
but it very "common sense" what an idiot i was
with my spending habits the book talks right to you
because dave was one of us doing the exact same thing!
i loaned this book to a stuggling friend of mine two weeks later
she was very excited and now is on her way to freedomland!
but she loaned it out to other girlfriends i guess i can write the
book off as a lost cause,but as long as im helping others i'll buy
another one its well worth it! YOUR THE MAN DAVE !!!

"This book is a life saver!", I would recommend this book to anyone struggling with finances! I was sick of living pay check to pay check. And I was sick of trying to decide wich was more important- the mortgage or food? My husband and I bought this book and commited ourselves to follow the steps. It was a little hard at first but it changed the way we live. We now have our priorities in order and don't have to worry so much anymore! We are by no means rich but are building a good savings 'just in case'! It is an easy read and the steps are easy to follow. The hard part is the self discipline!

"Good advice, Easy to read", This book deals with getting out of debt (and staying out), building wealth, and being at peace with your money & finances. It contains good personal financial advice that I plan to put into practice. It is also easy to read, since it is written in an informal style. The content is something that applies to all adults (and even teens). The book includes sample letters & forms to help with taking control & planning your spending, with collection agents, and with credit report problems.