This book is extremely readable and contains a tremendous amount of helpful information in the areas of personal finance and debt reduction/elimination.  Dave Ramsey makes a compelling argument for the elimination of all debt by rather extreme means.  He exposes the common myths spread by the credit industry and offers a solution for eliminating debt through something he calls The Debt Snowball.  My only complaints center around the fact that he advocates mutual funds as a means to achieving 12% returns over the long run and that he advocates National Guard service as a means of paying for college.  I'm not sure that mutual funds can be counted on for 12% in the long run, and National Guard service these days can involve exciting times in far away locations like Iraq,  which make the cost/benefit analysis a bit unappealing.  However, this isn't a book about investing and the college financing advice is otherwise quite helpful.  I'm sold on the concept of The Total Money Makeover!