I found this book to be extremely helpful in understanding where my money has been going and how to not worry about "keeping up with the Joneses".  Dave has some of the best advice concerning finances that I have ever heard, and budgeting has become a way of life in our household.  My sons are both in college now, and Dave's ideas have been passed along to another generation to (hopefully) provide them with knowledge to avoid making the mistakes so many young people make.  Thank you, Dave Ramsey, for providing easy to follow steps to financial security!