In Smart Money Smart Kids, Dave Ramsey and his daughter Rachel Cruze team up to share some personal family stories you don’t want to miss! Get a no-nonsense approach for teaching your kids and teens the basics of money. Find practical strategies to raise money-smart kids in this debt-crazed world. Smart Money Smart Kids offers commonsense ways to teach these money lessons: Where money comes from The value of hard work How to save, spend and give Debt and how to avoid it Paying cash for college Living responsibly Table of Contents Dedication Acknowledgements Introduction Chapter 1 - I Was That Little Girl . . . Chapter 2 - Work: It's NOT a Four-Letter Word Chapter 3 - Spend: When It's Gone, It's Gone Chapter 4 - Save: Wait For It Chapter 5 - Give: It's Not Yours Anyway Chapter 6 - Budgeting: Tell It What to Do Chapter 7 - Debt: It IS a Four Letter Word Chapter 8 - College: Don't Graduate from I.O.U. Chapter 9 - Contentment: The War for Your Child's Heart Chapter 10 - Family: Put the FUN in Dysfunctional Chapter 11 - Generation Handoff: Blessings or Curses Chapter 12 - I Was That Dad . . . Notes Student Budget and Upcoming Expenses Worksheets

Money stress is real. But you don’t have to constantly live with it. In Dave Ramsey’s bestselling money book, The Total Money Makeover, you’ll learn a clear, simple and proven plan that’ll give you the financial reset you’ve been looking for. Start Here if Money Feels Hard The Total Money Makeover is one of the bestselling personal finance books of all time. It’s helped more than 10 million people change their lives and pay off over $100 billion of debt! This expanded and updated 20th anniversary edition features the simplest, most straightforward game plan for completely changing your finances—no matter where you are with your money. What You’ll Learn How to stop worrying about money and get out of the paycheck-to-paycheck cycle How to pay off all your debt and never go back How to save money for things you need—including emergencies How to grow your money over time without feeling stressed How to budget and make a plan for your money (EveryDollar can help!) How to keep going—one small step at a time Why It Works You don’t have to know a lot about money. And you definitely don’t have to be perfect. You just have to follow this easy-to-understand plan for your money. You’ll learn what’s worked again and again for everyday people—helping them feel in control and more confident with their finances. Plus, you’ll receive access to a personalized plan in EveryDollar trial for free so you can get started right away.* You Can Do This You’re not behind. You’re just getting started—with a plan that works. What’s different about The Total Money Makeover compared to other money books? Most money books give tips. This one teaches you a full step-by-step plan. It’s a New York Times bestseller that’s helped millions of people pay off debt, save money, and eliminate chronic financial stress. Is The Total Money Makeover helpful if I’ve already started budgeting? Yes! It helps you stay focused, avoid mistakes, and keep making progress. Can I use the EveryDollar app without reading the book? Yes. But the book teaches how the plan for ditching debt and building wealth works—which helps you make the best use of the app. How long does it take to get out of debt? It depends on your income and your intensity. The average debt payoff journey using this proven plan takes about two years. You might take more time depending on your circumstances, but what matters is staying with it. Is it hard to read? With only 237 pages, many people report finishing the book in as little as one day. Others go more slowly, of course, but most readers say it’s easy to understand and finish it quickly. Can I get this book as an audiobook or e-book? Yes! You can get the hardcover, e-book or audiobook—whatever works best for you. *Free EveryDollar trial is for new users only.

We live in the most advanced society in history . . . and yet we have less time and less money than ever before. The gap between financial stress and financial peace is littered with traps, myths, distractions and slick marketing designed to keep you brainwashed and in debt. In Breaking Free From Broke, George does the research for you and exposes the money myths and traps about: Credit cards and credit scores Student loans and car loans Mortgage mishaps and mistakes Investing traps and get-rich-quick schemes Marketing and consumerism tactics George shares the story of how he broke free from debt and went from a negative net worth to a financially stable millionaire in less than 10 years. He tackles the best excuses and worst myths head on, building a bridge with truth, knowledge and hope. By the time you’re done with this book, you’ll be confident in your ability to buck the toxic money system, ditch debt, and build wealth. Special Offer This book includes a special offer to receive three months of the premium version of EveryDollar for free (for new users only). EveryDollar is the tool to help you escape money stress and take control of your finances!

Money’s Not a Math Problem isn’t like the other books you’ve read about money. It’s not a book about numbers, percentages or decimals. It’s a book that drives to the heart of the money problems many people deal with—because those problems are usually symptoms of a bigger issue. The issue is our inaccurate beliefs, fears and flat-out lies about budgeting. Ramsey Personality and debt elimination expert Jade Warshaw candidly shares how she and her husband, Sam, shifted their mindset around money and paid off over $460,000 in debt—including $280,000 of student loans! In this Quick Read, Jade uncovers five lies we tend to believe about budgeting. Then, she counters those lies with five truths that will rock your world—and change your attitude toward budgeting. Here are some of the things you’ll learn: An easy way to take control of your finances The key to get past the "we ain’t got no money" mentality A budget as a powerful money tool How to stop seeing yourself as a victim and an exception to the rules In just 70 pages, this entertaining Quick Read will help you change your mindset about money and give you practical ways to reach your money goals with control and confidence. Special Offer This book includes a special offer to receive three months of the premium version of EveryDollar for free (for new users only). A QR code is included inside your book that you can scan to create your account. EveryDollar is the tool to help you take control of your money!

Dave Ramsey’s Complete Guide to Money offers the ultra-practical way to learn how money works. These are the principles Dave learned after losing everything. They’re the same principles that have helped millions of families go from the stress of debt to the peace of knowing the future is secure. Now’s the time to stop worrying about money and take control. Dave Ramsey’s Complete Guide to Money will teach you: Seven simple steps to financial freedom How to budget, dump debt and save The power of marketing gimmicks Planning strategies for college and retirement What types of insurance you need Keys to buying and selling a home Table of Contents Dedication Acknowledgments Introduction Chapter 1 - Super Saving: Common Sense for Your Dollars and Cents Chapter 2 - Relating with Money: Nerds and Free Spirits Unite! Chapter 3 - Cash Flow Planning: The Nuts and Bolts of Budgeting Chapter 4 - Dumping Debt: Breaking the Chains of Debt Chapter 5 - Credit Sharks in Suits: Understanding Credit Bureaus and Collection Practices Chapter 6 - Buyer Beware: The Power of Marketing on Your Buying Decisions Chapter 7 - Clause and Effect: The Role of Insurance in Your Financial Plan Chapter 8 - That's Not Good Enough: How to Buy Only Big, Big Bargains Chapter 9 - The Pinnacle Point: Understanding Investments Chapter 10 - From Fruition to Tuition: Planning for Retirement and College Chapter 11 - Working in Your Strengths: Careers and Extra Jobs Chapter 12 - Real Estate and Mortgages: Keeping the American Dream from Becoming a Nightmare Chapter 13 - Give Like No One Else: Unleashing the Power of Generous Giving Afterword Notes Financial Management Forms

Do you know someone who’s always stressed about money? Chances are, they just don’t know where it’s going (aka they’re not budgeting). Help them take the guesswork out of managing money with EveryDollar—the zero-based budgeting app that goes anywhere. With easy income and expense tracking, savings goals, and customizable categories and line items, EveryDollar will help anyone take control of their money for good. And the premium features—like bank connect, automatic transactions and custom reporting—will help them see how their habits line up with their goals. Help someone say goodbye to money stress and start budgeting with confidence!