I've been a fan of Dave Ramsey for at least 7/8 years. I took Financial Peace University when my husband and I first got married because we knew we needed to get our money situation in order. We started and stopped. Got it right, got caught up again after I wasn't working full time. But, after reading this book, we've been more focused on getting things right. We've saved our emergency fund ($1000), paid extra on credit cards, settled two old debts and strategically paid them off, and currently working on paying off my car by the end of the year. We still have work to do, but we are getting there and are not so afraid of "murphy" coming.