<prompt> Human: My wife and I in the next couple of months will have nearly all of our debts paid off with the exception of our mortgage. We want to be able to prosper and not go back into debt... ever. Anybody have any luck with personal budget books to keep a family on a solid plan for financial success? Iv considered Dave Ramsey but is he really the best for this? Edit Im aware no book is end all be all. Im 26 and I just am looking for books who will keep me down the right path as well as grow wealth in the future  <response>: A book wont keep you out of debt - your behavior does. You dont necessarily need a book to tell you what behaviors to follow.Dave Ramsey, however, is a big advocate of paying cash for basically everything so you may find some of his work good. Personally I find it a bit elementary and outdated, but to each their own. 