Dave Ramsey
This guy is genius. Absolute genius.
1) Get out of debt
2) All you need is one little book (Total Money Makeover), which you can rent from the library if you don't have the money
3) These principles will work no matter where you are in life
He doesn't have gimmicks, and there are no 'get rich quick' schemes. He's actually motivational as well (and I don't get easily motivated).
Check out his radio show online HERE.
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