My wife and I were "normal." We realized that we were working long hours so we could pay the banks instead of our own household. The Total Money Makeover started us on the right path to paying off our debt in just one year instead of eight years, if we would have stuck with the standard minimum monthly payments. This book will explain Dave Ramsey's Baby Steps. They will get you on the right plan, guiding you every step of the way. Dave Ramsey is an excellent teacher, and I can't think of anyone with a better plan. Start with this book and it will open up a whole new world to living debt free and using your number one wealth building tool: your income.
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