I’m Australian, and our local bookstore did stock it (it helps living in Sydney).

Although the book is very US centric, the basic principles are the same. 15% of your income invested in a retirement account is the same, be it a 401(k), IRA, superannuation, whatever.

The underlying methodology of the book is that it’s your behaviours that are the problem, and that is a constant.

So, if you have debt and want to get ahead, it’s worthwhile. My wife and I are following the plan, and it’s working for us.

You can the audiobook on iTunes, and most of his stuff on ebay.

By the way, how much is this book cost? I love to blog this nice book also.

Plus, I knew my wife wouldn’t read the book if I gave it to her. But being trapped in the truck on our last road trip, she had no choice! Now she is on board 100%!

For my own personal testimonial, I have a car payment (my last time I don’t pay cash for one); 48 months. After going through a major attitude adjustment about debt, and putting in the commitment (KEY!), I will have it paid off around the 2.5 year mark. That’s after I had paid off $2500 in remaining credit card debt. That’s after finishing Dave’s course in September. That’s after making the decision about putting off any major purchases (new computer, lcd tv, etc.) until then.

Your review was very accurate. It is important to note that the reason Dave quotes the Bible alot is because the Bible does teach alot about how to take care of finances. If your offended by that then no, you probably wouldn’t want to read his book.

It’s also important to note that the Bible is full of advice on lots of things other than money…you don’t have to become a “christian” to benefit from the advice.

Anyways, one other thing that you touched on was the fact that this book is not for everyone and you are right. If you’re not motivated to actually get out of debt then why read it? I do strongly believe that regardless of your age, race, gender or even financial status this book can help you if you want to be helped. It’s simple, no-nonsense approach is what turns alot of people off because they think that something so simple could never work. Take it from a family who took care of $140,000 worth of debt in less than 4 years. It DOES work. But, it’s like Dave says…How bad do you want it?

I do agree with most of the comments made about Dave’s book (I have read both of them).

The only slight disagreement I have with Dave’s approach involves the debt snowball. If you are in the position were you need the “ra-ra” feeling of paying off a small debt, that’s fine; pay it off. But at some point, you need to be able to reposition the remaining debt balances to attack the largest interest rate % balance first, or it will cost you more money in the long run.

Overall, I did enjoy Dave’s methodology (I am a practicing Christian, as well as my part of my work’s first “graduating” class from FPU). I have encouraged my co-workers to take his class & read the books. If they only get one thing from each chapter/day, that’s one more thing they now know that they didn’t before.

The one down side, and this might be because of when the book was actually written, is that I feel $1000 is not enough for any kind of emergency fund. But this might be more of a personal grip and not a realistic one.

On the good side, something not mentioned above is that Dave includes examples of spending plans (aka budgets), debt snowball tracking sheets, and other useful items in the back of the book. I liked them enough that I used them as templates for modifying my current financial tracking documents, and I feel they’re a great start for someone looking at getting a handle on the basics for the first time.