The Money Answer Book

The Money Answer Book

by Dave Ramsey
4.3 48

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The Money Answer Book: Quick Answers to Everyday Financial Questions 4.3 out of 5 based on 0 ratings. 48 reviews.
Jeff_McCann More than 1 year ago
At 26 years of age, David Ramsey experienced fortune to the tune of a four million dollar real estate portfolio and lost it by the age of 30. Years later, he restored his financial status and now through his nationally syndicated call-in radio show, dispenses financial wisdom daily to millions of listeners. Now with his new book, the Money Answer Book, you can have Dave Ramsey's sound financial advice in your purse, computer bag or backpack! Dave has taken all the toughest and most popular questions regarding money, budgeting, credit cards, mortgages, loans and bankruptcy and compiled them into an amazing little book. The most important aspect of this book is that it is written in short, question and answer style divided by topic and chapter. The delivery is what everyone comes to expect and love about Dave Ramsey, no nonsense, honest and to the point. If there was ever a starting point to getting control of your money and beginning a better financial future, it's with this new book by David Ramsey, The Money Answer Book.
reading_to_kids More than 1 year ago
I have heard great things about Dave Ramsey. They're all true. This guy really knows his stuff. He is very good at financial advice, the kind that actually helps. The Money Answer Book is just what the title proclaims: a book with answers to questions about money. It has 11 chapters that each cover a different topic in relation to money. Some include: The basics, Budgeting, relationships and money, insurance, real estate and mortgages, and more. I love the way Dave talks bluntly. And I say "talks" because it really does feel like he is talking to you, not that you're reading it. If you've heard about Dave Ramsey, it's possible that you've heard his idea for an envelope system. This was one of the concepts covered in the book (through the answering of a question or two) that I thought was interesting. Before, when I heard about the idea, I thought it was nuts. After reading the whole book (which isn't very long, it's great bathroom material because it has short segments of questions and answers) I realized that it's pretty smart. Instead of using a credit or debit card, which we are less attached to, you use cash. It feels a lot more painful to hand over a wad of cash then to swipe a card through a machine. Many questions are geared towards folks who are struggling economically, but the book is also a great resource for "rich" people, and average people. Dave's main point: debt is normal, and we don't want to be normal! Get out of Debt! I would highly recommend this book to anyone who has any money and wants to keep it, or who has no money and wants to get some. **I was given a complimentary copy of this book from BookSneeze online review program.**
Shasta_Matova More than 1 year ago
"Personal finance is 80% behavior and only 20% head knowledge" according to the quote on the back of the book. The Money Answer Book by Dave Ramsey helps you gain the 20% knowledge and helps you work on your 80% behavior so you can straighten out your finances. It's a small book, 170 pages, which is formatted in short, bite-sized question and answer sections, and very easy to read language. Taking care of money isn't hard, but you do have to be willing to make the effort. It is a good beginner book for people who haven't focused on their finances, and need to start from the basics. He creates guiding principles that should work for most people, so that there is a framework upon which to base your financial actions. The rest of the chapters contain more details, even though there isn't in depth detail on any particular topic. Since the book is for everyone, and not customized it to the individual, it does have some advice that might not be as sound for each person. For example, he says to pay off your smallest debt first. This way there is a win, and you can see progress. Personally, I don't need the small win, and paying off the highest interest rate loan would pay off all the debt faster. Some people are able to see the long term effects (and are geeky enough to create spreadsheets to see how many months they are shaving off the loan.) But paying off debt is a good thing, no matter the order, and depending on the size of your small loan, having one less debt to keep track of could help too, especially if it saves you the cost of another stamp and prevents the possibility of another late fee. This would be a good book to gift to a newly married couple, or to a young person just starting out life on their own. Even if they don't read the whole book, they could get enough questions answered without having to admit to anyone that they don't know something. I got the book for free from Thomas Nelson publishers in exchange for an unbiased review.
Anonymous More than 1 year ago
Great Organization, Relevant and useful!
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Anonymous More than 1 year ago
Many quick Q and A. This book hits all the highlights of the Ramsey concepts; however, I recommend reading Financial Peace University and/or Total Money Makeover first.
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Guest More than 1 year ago
A must read !
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MPadrelanan More than 1 year ago
In this age of economic downturn, it is very important to our lives and our future that we make the best decisions regarding our finances. Being a good steward of our resources is one of the Bible's most important lessons. Unfortunately, most of us don't know / don't understand much about taking good care of our finances. The Money Answer Book - Quick Answers for Your Everyday Financial Questions by Dave Ramsey is a very informative book on finances. Dave Ramsey honestly and fearlessly gives us direct answer to money questions that we have everyday. He tackles current money management issues such as debt, mortgage, student loans, budgeting, saving, investments, teaching children about money and the like. The issues are current. His answers are direct without any flowery language. As one who is truly challenged about the stewardship of resources, reading The Money Answer Book - Quick Answers for Your Everyday Financial Questions by Dave Ramsey is an eye-opener. Dave Ramsey knows how to challenge his audience to make wise decisions about their money. Although it is written with an American audience in mind, the issues are as real to us Filipinos as it is to Americans. In this book, one of the most important things I've learned is how to give priorities to my financial needs. It has opened my eyes to a new way of planning a secure, financial future. The best thing about this is that it is very easy to read. In fact, it is not even a big book, it's as small as a pocketbook that I can easily slip into my bag. Despite it's size, it is packed with essential nuggets in the wise management of the resources that God gave us.
Anonymous More than 1 year ago
KS_Chew More than 1 year ago
I have listened to Dave Ramsey's radio program before reading this book. This little book of 165 pages is packed with a lot of financial advice and tips, and formatted in an easy-to-read Q&A style. Even for someone who stays in an Asian country, outside the U.S., this book offers a lot of financial principles that can be applied easily in any situation. Nevertheless, some specific topics addressed in the book, such as bankruptcy, divorce, estate planning, children college fund, etc, may not be applicable technically. Essentially, Dave Ramsey adopts an aggressively conservative approach to finance management. His approach is an absolute, blanket-rule, NO to debt, particularly credit card debt - which in a sense is good, as the Bible says that "The rich rule over the poor, and the borrower is servant to the lender" Prov 22:7, NIV. Although this may seems unpractical at times, but we should not be a slave to credit card. Being credit card debt free must be one of our financial goals at all times. If you feel credit card service is indispensable, then you need to read Dave Ramsey's view on this issue. I like the section on saving. According to Dave, saving is not a matter of having more money in your pocket before you can do so. Saving is a matter of emotional priority. You will only save money when it becomes an emotional priority. The secret to saving, therefore, is FOCUSED EMOTION. This is because advertisers everywhere will try to appeal to our emotions every day and tempt to take every dollar we have by blurring the distinction between WANTS and NEEDs. In short, I enjoyed reading this book. It is written in a fun, witty and at times, rather blunt way - typical of Dave Ramsey's style - for those who have listened to his radio program before.