I probably should have given this book more than three stars, because it's a good start to figuring out a critical piece of the financial puzzle; getting out of debt. This book is debt-centric, so, if you're in debt, then yes, you really should read this book.

However, while focusing on getting out of debt is a crucially important step of freeing up your income (because if the money you make every month is spent every month, you're not financially fit), there are many aspects of your financial self that are not addressed in this book. And, while Mr. Ramsey would probably tell you that these aspects of your financial self can wait until you're out of debt, I don't think it's wise to procrastinate an awareness of your financial whole.

This is not to say that you should rationalize being in debt and/or put off getting out of it; and Mr. Ramsey has a sure-fire way of doing that. So, to the person in debt, the book does contain a money makeover plan; just not a total money makeover plan.

If you want a money makeover that is total, you can combine this book with others ... or my sister, Taibi, has recommended a book called "Making the Most of Your Money," and she says it is a "total" guide to managing money. I'm going to read it myself, soon, and I'll let you know how I like it.

Other books I would recommend about money; "Money Harmony" by Olivia Mellan, and "Secrets of the Millionaire Mind." I'll post reviews of those separately.