The total money makeover by Dave Ramsey..

This book presents a step-by-step financial plan designed for everyday people—not get-rich-quick schemes. Dave Ramsey emphasizes behavior change over complex financial theory, showing that winning with money is more about mindset and discipline than income level. 7 Baby Step: 1.Eliminate debt using the famous Debt 2.Snowball method 3.Live on a budget and give every dollar a purpose 4.Build an emergency fund for financial security 5.Avoid credit cards and unnecessary loans 6.Save and invest consistently for long-term wealth 7.Break free from financial stress and live with confidence #budget #english #habitsthatchangeyourlife #grow #spokenenglish #invest #englishspeaking #rarefrequency #learnenglish #moneymanagement