https://summaryshelf.app/authors/dave-ramsey/Recent content in Dave Ramsey on SummaryShelfHugoen-usTue, 04 Aug 2026 00:00:00 +0000https://summaryshelf.app/total-money-makeover/Tue, 04 Aug 2026 00:00:00 +0000https://summaryshelf.app/total-money-makeover/<p>Money is not a math problem. Dave Ramsey&rsquo;s plan rests on the claim that personal finance is 80 percent behavior and 20 percent head knowledge — most people already know they should spend less than they make, and knowing it changes nothing. By twenty-six Ramsey held real estate worth over $4 million, and he was better at borrowing money than at buying buildings; three years later he was bankrupt with a toddler and a newborn at home. The quest that followed ended somewhere uncomfortable: his mirror.</p>