DESC: Radio personality Dave Ramsey shares the secret of stable finances: get out of debt and stay out. He provides tips for how to do this along with testimonials from former debtors who took his advice and emerged out from under their bills with money in the bank. Famous as the author of FINANCIAL PEACE, Ramsey understands how emotionally devastating money difficulties can be: a key goal of his plan is improving not only our financial life but our important personal relationships. Includes charts, tables, and worksheets.