Ten Keys to Changing Your Financial Destiny

books:


	• More than Enough: The Ten Keys to Changing Your Financial Destiny Dave Ramsey Penguin (Non-Classics), 2002 - 352 pages average customer review:based on 11 reviews view larger image
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highly recommended

The Keys to Contentment

This book by Dave Ramsey has much of the same basic principles contained in his books Financial Peace and The Total Money Makeover. The main difference comes in that More Than Enough is oriented towards his philosophy on life. The state of arriving at "More Than Enough" is the end goal for the path Ramsey encourages the reader to follow. This place does not necessarily mean material wealth but is more a state of consciousness and arrival at contentment. The way one arrives at "More Than Enough" is by taking ownership of contentment.

Ramsey says: "When you have contentment you can easily get out of debt. When you have contentment you can easily save and invest. When you are content it changes your giving habits and your relationships. When you are content it brings an inner strength that will push you into another zone. You are able to move fast or slow, and you are able to have patience or intensity when you are content. "

He further discusses this concept by talking about happiness and what it is and what it's not. He says, "Happiness that is dependent on someone else's actions or on the purchase of stuff is not real happiness, and chasing happiness there shows you haven't reached true contentment." This can be so difficult to remember as we go through life and are constantly bombarded with advertising and media trying to convince us we need something bigger or better. Our own human nature also gets in the way of this and can prevent true happiness and contentment by a "gotta have a little bit more or a little bit better" mentality.

The main sections focus on topics such as goal setting, having patience, being accountable to others, discipline, and being generous with one's time and resources.

A feature of the book that is also present in Financial Peace is the "Thoughts from Sharon" section in which Dave's wife Sharon provides some of her insights on the preceding topic. This helps to add color and a slightly different feel to the book than if it were absent. Another component included from the other books is the financial planning forms. These allow the reader to walk through his or her current financial situation and determine net worth, budgeting, paying off debt, planning ahead for big purchases, and generally arriving at a state of financial peace. Another similar component to Financial Peace is the inclusion of steps at the end of each chapter which summarize the key concepts. In More Than Enough , Dave terms them "Keys to the More Than Enough mansion."

Much of the material is repeated from the other books but it does move beyond the strict focus on money and financial decisions. The order of Ramsey's books that I recommend is first Financial Peace followed by The Total Money Makeover and then More Than Enough.

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Ten Keys to Changing Your Financial Destiny

It is an excellent book, very well written and easy to read. I am trying to follow his plan now and I feel it is also going to work very well!

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Where debt is dumb, cash is king....

Dave Ramsey is the financial guru on the radio, and most recently, Fox Business Network on cable TV, who touts an old-fashioned, commonsense philosophy regarding money and finances. He starts off his radio show each day by saying it's where "debt is dumb, cash is king and the paid-off mortgage replaces the BMW in the driveway as the status symbol of choice."
Ramsey's book, like his shows, offers Americans a glimpse into an alternate universe. Instead of being saddled with thousands of dollars of credit card debt, new car payments, house payments and the like -- and staying awake all night wondering how to pay the bills -- it's possible to be DEBT FREE!
Indeed, as the other Good Book (the Bible, not Ramsey's)says, "The borrower is slave to the lender."
Ramsey is not offering some unproven pie in the sky platitudes.He's really been there. As a young man, he was riding high in the real estate business until he wiped out. Everything came crashing down and he lost it all. He's since made it all back the old-fashioned way -- by working hard and paying cash. He shows you how you can do this, too.
In this era of mortgage meltdowns and foreclosure fever, Ramsey has the cure. Cut up the credit cards, work hard to pay them off and eliminiate frivolities (restaurant meals, etc.) until you're debt free. You "live like no one else so in the future you can live like no one else." He gives you the steps to follow to get creditors off your back, get out of the red and into a better financial life. Many of his followers are debt free except for their (15 year fixed) mortgage; others are completely debt free including the mortgage.All are well on the way to having a wealthy life.
In this book, Ramsey shows you how to climb out of the money pit you've dug for yourself so you can have "more than enough" of everything. Highly recommended advice!

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Changing My Life

This....as with all of Dave's books....is a WINNER! I love the way he addresses relationships and money. If everyone read this book, the divorce rate would be much lower. I strongly recommend this book to EVERYONE! Buy it, read it, study it, and live it. Thank you, Dave, for changing my life.

A must read.

Dave's is a must read if you want to wim with money and win in life.

reviews: page 1, 2, 3

In his first bestseller, Financial Peace, Dave Ramsey taught us how to eliminate debt from our lives. Now in More Than Enough, he gives us the keys to building wealth while also creating a successful, united family. Drawing from his years of work with thousands of families and corporate employees, Ramsey presents the ten keys that guarantee family and financial peace, including: values, goals, patience, discipline, and giving back to one's community. Using these essential steps anyone can create prosperity, live debt-free, and achieve marital bliss around the issue of finances. Filled with stories of couples, single men and women, children, and single parents, More Than Enough will show you:

* How to create a budget that fits your income and creates wealth
* What finances and romance have to do with one another
* What role values play in your financial life
* How to retire wealthy in every way
* And much, much more

Resonating with Ramsey's down-home, folksy voice, heartwarming case histories, inspiring insights, quotations from the Bible, and exercises, quizzes, and worksheets, More Than Enough provides an inspiring wealth-building guide and a life-changing blueprint for a vital family dynamic.

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