<prompt> Human: My dad just took a second job working at wal-mart to help with family expenses. This disappoints and angers me. I do not live with them, nor am I involved in their finances in any way. They have no savings and no retirement plan. Mom is turning 50 this year. After talking with her about PF shes finally coming around to the idea of tax deductions, having an emergency fund, and passively generating income.Whats the best, simplest source I can give her to get her on the right track? Dave Ramsey? They are Christians so that might work very well.  <response>: Dave Ramsey is all about ELI5. 