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Dave Ramsey's Financial Peace University

4.53  ·  Rating details ·  1,507 ratings  ·  84 reviews
This author encourages you to stop living with guilt, frustrations and headaches that come with trying to manage your personal finances. You owe it to yourself and those you love to find what thousands already have: Financial Peace!
Hardcover, 386 pages
Published January 1st 2004 by Vaughan Printing, Inc. (first published 2001)
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Average rating 4.53  · 
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 ·  1,507 ratings  ·  84 reviews


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Allina
Jun 26, 2011 rated it it was amazing
It would help if there was a way to help someone budget money when their income doesn't even cover their basic needs. I can budget money without the help from this book, but it sucks when it's the electric company that is "below the line" and the electric is getting shut off. It's either rent or electric. Childcare or gas to get to school. I'd like to see help for people in that situation. I can't think of savings, but I once applied these principals, and I hope that one day soon I'll have money ...more
Wes
Jun 28, 2010 rated it did not like it
Dave Ramsey is designed for today's Christian: luke-warm, wealthy, irresponsible, easily influenced by manipulation and repetition. Dave: "Does this make sense, say yes." Audience: "Yes...master".

However, if you're not a luke-warm Christian, not wealthy, and are annoyed by the abundance of cliches, Dave Ramsey's material probably won't help.
Brooke Marie
Fill in the blank workbook while watching his videos in class. Very helpful
SunStudio Brookfield
Feb 26, 2019 rated it it was amazing
This is the antidote to being raised knowing nothing about money and being predeceased by parents who didnt either. If you want to break that generational curse and have something to show for your hard work and leave it to your kids, READ AND APPLY of this book. It is life changing. Our financial futures dont magically take care if themselves, nor does someone rescue us from our irresponsible financial lives...A successful future must be EARNED and this book /course MOTIVATES us to do the work. ...more
Amy Simmy-Sims
Aug 18, 2011 rated it it was amazing
Shelves: self-improvement
what an amazing process to go through as a couple...when your heart is open. We did this as a class with other people which was so neat because other people had ideas that were great! This brought hubby and I so much closer and on the same page with gazelle intensity with one single goal to become and to live 100% debt free!!! I am not someone that loves a budget or loves to make one, but I am a huge fan now after seeing how quickly we can make our money work for us, just by having a place for ...more
Stephen London
Dec 30, 2016 rated it really liked it
I have needed to read this book for a long time. Very helpful advise from a Christian perspective to getting my personal financial house in order.
Allan Laal
Dec 24, 2018 rated it it was ok
Shelves: 20-acn-00-0000
too much jesus and other ancient mythology to take this seriously
Mike
Jun 03, 2019 rated it it was amazing
Shelves: audiobook
Even though this is from 2007, it is still just as relevant today. Everybody, and I mean everybody needs to listen to this.
Leigh Abdou
Dec 13, 2016 rated it it was amazing
10 Stars...changed mine and my families life.
Leanna Schwartz
May 02, 2019 rated it it was amazing
Read the edition from 93 or 95 and he used 2016 for financial projections a few times which was actually interesting to read. He gives good advice no matter what stage of life/lifestyle you have so the contents are easily applicable to anyone.
Salena
Nov 03, 2019 rated it really liked it
I participated in this course hosted at my local church. I learned many useful tips and strategies, and I am well on my way to being debt free.
Lorelei Jaramillo
Feb 15, 2018 rated it it was amazing
Done with the book and now To change our family tree!
Melly0919
Jul 08, 2017 rated it it was amazing
His advice is invaluable. I recommend this to anybody who wants to know more about finances.
Greg
Apr 13, 2012 rated it really liked it
Good stuff, especially on the topic of paying off debt. I would recommend it to anyone who owes on credit cards, car loans, or any other debt where they pay interest.

I don't believe Dave's specific advice on investing is as good as his advice on retiring debt. To his credit, Dave says not to invest in anything you do not understand. Compare the performance of an S&P 500 index fund to managed funds and the fees before following his investment advice.

I am however suspect about Dave's
...more
Matthew
Nov 19, 2013 rated it it was amazing
Chapter 1:
The Beginning... A Very Good Place To Start

Noise that they will make when they are financially free.

Follow the rules and Commit to them.

Dave's story. Millions in debt
3.5 years to end up broke.





Chapter 2
Enough of Anything Is Too Much


Just say no, to having it now!

We're being taught by everything around us to have dessert before dinner.



Chapter 3
The Basics (A Foundation)

Money is active - always moving, a current flowing.

Money is amoral - the 'love' of money is evil. Society that values
...more
Lindsey
Mar 12, 2012 rated it it was amazing
Shelves: adult, nonfiction
Perhaps the book isn't as good as the video series done by Dave Ramsey but it still holds truth within its pages and like all truely great books it challenges your brain and makes you think. As one of those guilty people who never wrote down a budget before this book, I agree whole-heartedly that you can always spend what you make. Even if you get a raise, somehow even then you don't have money lying around. It is spent "somehow". With a budget, you know where that money goes and it works harder ...more
Susanne
Mar 22, 2009 rated it really liked it
So as you can tell we are doing the Dave Ramsey class at church, I didn't really want to do it, thought it was all hype, felt I didn't need it...I mean am I not already cheap enough! But I must say I am learning things I did not know and needed to do, I have a spiffy budget and am doing my envelopes. I probably would have preferred to do Larry Burketts study with Crown as it would have been more Biblically focused but Dave's principles for finances are the same and he is a good speaker that ...more
Clint
Mar 31, 2009 rated it really liked it
First off: The book's advice is really sound. He has great specific step and really clarifies some tough to figure out things like insurance and its role in our lives.

The first 1/3rd of the book I was a bit turned off and had to struggle through it because Dave uses cliches and fluff sayings so much that it distracts from the message. 'You know what I mean? What a concept! Do you understand? Say yes!' Ugh. That got old.

However, once he got into the really interesting things for me (investments,
...more
Don
Apr 21, 2011 rated it it was amazing
Biblical with humor, reality focused, Dave's principles for finances are not the same as Larry Burkett, but he is a good speaker with a great sense of humor that held my attention.A very excellent financial plan for getting out of debt and investing for the future.
The book has changed our financial lives and changed the way my wife and I think and organize God's money. I am so grateful to have found these biblical truths on how to use money for God's purposes.
Dave Ramsey is amazing,
...more
Jay
Apr 20, 2011 rated it it was amazing
Excellent!
Everyone should understand these concepts.

This is a series of lectures that discuss, first and foremost, personal finance. But the series also touches on the inseparable adjacent aspects of life that impact and are impacted by one's financial situation and approach.

Ramsey has a great way of speaking and conveying importance and individual application. More importantly, though, the content is solid.

I don't agree with 100% of what Ramsey says. There's nothing revolutionary or magically
...more
Kelsey
May 13, 2009 rated it it was amazing
Shelves: non-fiction
My in-laws enrolled in Dave Ramsey's Financial Peace University and received the audio portion of the course on CD, which they let us borrow. I absolutely loved it. I would honestly recommend this course to anyone and everyone. We thought we were pretty financially savvy and conservative, but we learned so much by listening to these CDs. Dave Ramsey has a talent for powerful motivation, and everything he teaches is honest and God-centered. I cannot give this high enough praise...seriously, check ...more
Jennifer Suggs
Aug 18, 2010 rated it really liked it
I took this as a 12 week class and it changed my relationship with money. I am now debt free and working on living within a budget. I want to control my money and financial future (as much as possible) and not have my money and debt controlling me. I podcast Dave's radio show now and it's good stuff, people! He's a southern guy who has made a ton of money, lost it all and made it again. He's learned a lot along the way and now his mission is to teach others. He works with a lot of professional ...more
Brian
Feb 18, 2012 rated it really liked it
Dave Ramsey talks about his "baby steps" to eliminate debt and build wealth. I'm 41 and have been a believer in his methods for years. It has done well for me to follow his guideline. I re-read this book recently (on CD while commuting) to get a better understanding of some of the "higher" steps (retirement building, etc.) and plan to slightly redirect some of my focus to create long term financial stability for my family. Thanks again, Dave!
Chris
Feb 10, 2013 rated it liked it
Great for me, the basics to get things in order. Even though I ma not there yet, the later bits seem weak to me, but I will have to find out when I get there. Dave did a good job motivating me to get things straight -- get out of debt, pay off the mortgage, and make a monthly budget BEFORE each month, not just track what happened after it happens. Of course, I wasn't fond of the religious part, especially towards the end -- felt more like a sermon. But all in all, it was helpful.
Laura
Dec 28, 2011 rated it it was amazing
This series on financial peace changed my life. Dontae and I have set a goal to be debt free by December 2012 and we want to buy our first house all in cash, never borrowing money again. Our credit cards have been shredded for good. We have a fire lit under us because of Dave Ramsey's common sense message: "Debt is dumb and cash is king."

The greatest thing I'm looking forward to in accomplishing our financial baby step program is having the opportunities to give back.
Linda
Aug 31, 2009 rated it really liked it
Good book, GREAT class. My husband and I took this 13 week class and it was well worth it. It's everything you need to know about finances, budgeting, getting out of debt, getting a bargain, saving for retirement and college, insurances, and (my favorite) where and how to find a bargain! If no one taught you about money, this is where to go. If you did learn about it, get some great reminders and learn even more.
Alice
Dec 24, 2010 rated it it was amazing
We took this class to meet and interact with other folks who where trying to do exactly like us.....be debt free including the mortgage! Although we had previously read The Total Money Makeover, this course was helpful as it forced us to finally develop a household budget and start on an estate plan.
Jason
May 05, 2015 rated it it was amazing  ·  review of another edition
Shelves: improvement
Financial basics that everyone needs to know - presented in a fun, memorable way.

I'm too logical (and know the math) to follow his debt snowball plan by going smallest debt to largest. I'll stick with highest interest rate first, thank you. His "emotional momentum" argument is well-founded, though.
Eleanor
Jul 11, 2010 rated it it was amazing
My husband and I are taking this class at our church and it is awesome. We are coming at this from a different place than most of the others in our class as we don't have debt to snowball. Even so this still has such great truths for us, especially about our societies' warped views of credit and car worship. It is time to wake up teach our children a more Biblical aspect of money.
Kim Holdiman
Aug 05, 2012 rated it it was amazing
Great financial advice from a Biblical standpoint. Dave always mixes humor, honesty, scripture, love, hard truths, and compassion in his teaching. He has turned our financial thinking and operating upside down, inside out, and straightened it out. We are headed down the baby step road to financial freedom thanks to Dave!
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1,300 followers
Dave Ramsey, the nationally-syndicated radio host of "The Money Game" and bestselling author, has helped thousands through Financial Peace University-a 12-week financial planning program. He presents seminars in churches and corporations throughout the country. He holds a degree in finance and real estate and lives with his family in Nashville Tennessee.