Dave Ramsey (not connected in any way - just like his message), can be a bit 'over the top' sometimes, but in his daily radio show you can listen some (financial mismanagement) horror stories. He has a "7 baby steps process" that I believe everyone should know (and adapt to his/her will/preferences/life setup). Yes is a fanatic christian, yes, he can be a bit tiring when he takes a religious tangent, but still, I find his message very useful. I would really liked to have discovered him 20-30 years ago (or whoever was the Dave Ramsey at that time).
I really appreciated/found really helpful the tip of the "seven bank accounts" (Jordan Page, FunCheapOrFree)(also not connected in any way): https://www.youtube.com/watch?v=auzLhKvsxnQ
(Ramsey a similar type of management the "envelope system").
Edit: from what he sometimes says on his radio show, some schools in the USA 'teach' his program/system/7-step-process. I find this amazing and I wish that this (or something similar) is properly taught to every school on the planet.
I really appreciated/found really helpful the tip of the "seven bank accounts" (Jordan Page, FunCheapOrFree)(also not connected in any way): https://www.youtube.com/watch?v=auzLhKvsxnQ
(Ramsey a similar type of management the "envelope system").
Edit: from what he sometimes says on his radio show, some schools in the USA 'teach' his program/system/7-step-process. I find this amazing and I wish that this (or something similar) is properly taught to every school on the planet.