<prompt> Human: Ive always been a pretty conservative spender, so Ive never had an issue with finances. However, my cousin makes more than me 81k, and somehow lives paycheck-to-paycheck he is married with 2 kids though... and his wife is a stay-at-home mom. He has student loans and CC debt, but doesnt understand how to control himself or where his money is going. I wanted to recommend him to read a book, but Im not sure whats the best one out there on this stuff.  <response>: All you need is to google Dave Ramsey baby steps and then read bogleheads.org for the next few years. ... Just retired hereAlso use cfiresim.com for planning 