<prompt> Human: Just bought Dave Ramseys book The Total Money Makeover after my dad recommended it to me. I am going to read it, but Im not so jazzed on the Christian dialogue throughout as I am not religious, and also because I am not going to donate money to a church. However, as many people are saying there is still a lot to gain from this book anyways so Ill stick it out. I have heard that Clark Howard is a great alternative and I plan to read a book of his next unless anyone has a more acclaimed recommendation but I dont know what to start with. Im a recent grad who is now band directing and living at my parents house so I can pay off all of my student debt and build savings fast. Any recommendations for Clark Howard or another author?  <response>: Dave Ramsey is really great for people who are in debt or living paycheck to paycheck and cant figure out how they got there and how to get out.Since you arent in that situation Clark Howard is probably a better place to start. 