A great personal finance book! Dave Ramsey is so easy to understand and his sense of humor (though sometimes offbeat) is quite entertaining. I've learned so much from Dave Ramsey. The Baby Steps are great tips for getting out of debt and wealth building at any stage. Dave Ramsey makes it so easy to become debt free with his simple plan. Of course it can take anywhere from 1 to 3 years to fully execute Dave's plan, the good thing about it is that it's do-able. I recommend this book to anyone looking to get out of debt, avoid debt, and begin building their personal nest egg. GO BUY THIS BOOK!