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	<title>Comments on: The Total Money Makeover: The First Steps</title>
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	<link>http://www.thesimpledollar.com/2006/12/06/the-total-money-makeover-the-first-steps/</link>
	<description>Simple, applicable personal finance advice for the modern world</description>
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		<title>By: Jane B. Smiling</title>
		<link>http://www.thesimpledollar.com/2006/12/06/the-total-money-makeover-the-first-steps/comment-page-1/#comment-161583</link>
		<dc:creator>Jane B. Smiling</dc:creator>
		<pubDate>Tue, 22 Jan 2008 16:16:32 +0000</pubDate>
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		<description>How can I get free financial advice? I can&#039;t afford to buy your expence books, nor do I have the time to read them. I work sometimes 60 hrs a week, I&#039;m a wife, grandmother to 4 beautiful children. I do hear you occasionally on the radio WSTS. I would love to get out of debt in the next 1-2 years. Please respond ASAP. Thank You</description>
		<content:encoded><![CDATA[<p>How can I get free financial advice? I can&#8217;t afford to buy your expence books, nor do I have the time to read them. I work sometimes 60 hrs a week, I&#8217;m a wife, grandmother to 4 beautiful children. I do hear you occasionally on the radio WSTS. I would love to get out of debt in the next 1-2 years. Please respond ASAP. Thank You</p>
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		<title>By: Chris Thomas</title>
		<link>http://www.thesimpledollar.com/2006/12/06/the-total-money-makeover-the-first-steps/comment-page-1/#comment-740</link>
		<dc:creator>Chris Thomas</dc:creator>
		<pubDate>Wed, 06 Dec 2006 23:30:11 +0000</pubDate>
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		<description>Thanks for the great synopsis of Dave&#039;s book and keep up the good work.  This is an interesting project you have going here.</description>
		<content:encoded><![CDATA[<p>Thanks for the great synopsis of Dave&#8217;s book and keep up the good work.  This is an interesting project you have going here.</p>
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		<title>By: Jag Nogg</title>
		<link>http://www.thesimpledollar.com/2006/12/06/the-total-money-makeover-the-first-steps/comment-page-1/#comment-722</link>
		<dc:creator>Jag Nogg</dc:creator>
		<pubDate>Wed, 06 Dec 2006 16:06:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2006/12/06/the-total-money-makeover-the-first-steps/#comment-722</guid>
		<description>I listen to Dave Ramsey&#039;s podcast every day in my car. I discovered him over a year ago and his principles have helped me change my life dramatically for the better. My wife and I have paid off over $42,000 in debt in the past year. The only thing we owe money on now is our home, which we are in the process of paying off early. We will never borrow money again.

I am 37 years old and I am 100% certain that I will have the option of retiring at the age of 55 with a large nest egg, a paid for home and completely paid-for college for my two kids (the youngest will go to college when I am 55). I give Dave Ramsey a lot of the credit for helping us get on this track. We used to be out of control with our spending and we had no clear goals.

I highly recommend listening to Dave and/or reading his book(s).</description>
		<content:encoded><![CDATA[<p>I listen to Dave Ramsey&#8217;s podcast every day in my car. I discovered him over a year ago and his principles have helped me change my life dramatically for the better. My wife and I have paid off over $42,000 in debt in the past year. The only thing we owe money on now is our home, which we are in the process of paying off early. We will never borrow money again.</p>
<p>I am 37 years old and I am 100% certain that I will have the option of retiring at the age of 55 with a large nest egg, a paid for home and completely paid-for college for my two kids (the youngest will go to college when I am 55). I give Dave Ramsey a lot of the credit for helping us get on this track. We used to be out of control with our spending and we had no clear goals.</p>
<p>I highly recommend listening to Dave and/or reading his book(s).</p>
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