I just finished Dave Ramsey’s book “The Total Money Makeover”. This is a great short read for anyone who wants to improve their financial circumstance and/or lifestyle. Dave has clear steps and practices that anyone can understand and put into practice; the only thing you need to add is determination and you will change your life. This book has a lot to offer, but I know how easy it is to substitute or create a hybrid of Dave’s formula. The book spells out that you can; have a disciplined budget, a clear focus (the debt snowball), and a goal to live like no one else so that you can live and give like no one else (retire debt free with a million plus in assets).