I’ll be reading further to get through that “difficult” time of wealth when I get there. It’s a small thing, in a way, because his mission is to get us to that point. There is some talk about using financial counselors and planning, but I would like just a bit more here. Ramsey’s tone switches to a more idyllic one as we get past debt. I appreciate and am enthusiastic about following this plan. Once someone gets their bills paid off, switches over and gets their emergency fund at full power and pays off their home, what next? There’s discussion of retirement and life insurance and children and investments, but does the book go into how to keep yourself going day-to-day with a budget and a plan for progress once the debts are gone? Don’t get me wrong. This is my biggest critique of the Total Money Makeover. Yes, there is a small section discussing budgets and some worksheets, but I don't feel they are very well explained or demonstrated. I haven't seen much, however, on how to really make a budget work in the book. Go out of your way to make this happen as quickly as possible. The same absence in budget training is also in this book.)ĭave Ramsey talks about gazelle-like intensity relating to the debt snowball. This review is primarily for that book, but the same materials are mirrored between the two. (note: I have read this book in conjunction with The Total Money Makeover.
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