I'm sure that everybody is familiar with Dave Ramsey. My in-laws really like this guy, for obvious reasons. They buy his books for anybody they think needs financial help, which means that we've gotten one or two over the past few years. His financial advice, however, is of fairly limited value. (At least to me. I live off of a stipend and student loans, and there is no way to make that better except by graduating and getting a job.) He assumes that you have a sufficient income, it's just that you're too stupid to budget it properly. I really dislike the victim blaming that is implied. Like all other financial advice, people are supposedly poor not because the financial gurus on Wall Street pissed away their life savings or because the captains of industry keep wages low to boost profits. No, they are poor because they buy too many lattes. The other major reason I dislike him is because of his chapter on money and marriage, in which he states that women are emotional and just don't like facts. If I had a nickle for everybody who told me that my vagina makes me stupid and emotional I wouldn't need any financial advice.