I picked up this book since I was sick of Suze Orman telling everyone what a moron they are with money. I had not heard of Dave Ramsey. Boy, I wish I had stuck with Suze, at least she leaves God out of it.The book is complete fluff. It does not contain any real advice. For example, he will say, "Don't lease a car." Then never really give you any pointers on how to get out of an existing lease. However, if you are motivated by stories of unicorns and paved gold streets in heaven with no real roadmap to get there, read on.The first step in my Total Money Makeover will be to sell this book.At least his website does not accept credit cards and he follows what he preaches.