Hello Everyone. I am shutting down the book club unfortunately. Things aren't going how I was hoping it would go. I only have interaction from maybe 3 members, which I appreciate. But I'd rather just call yall personally and converse on the books. I will keep this group up for a while in case I come up with a plan to increase membership and participation. But thanks to all.who at least attempted to participate!

This book is definitely something that I needed to revisit. It's just the realignment my raggedy ass budget needed!

Hello Everyone. Please check in let me know if you completed The Total Money Makeover. I'm trying to stay motivated in keeping this group going. I believe the education we can learn from this group will make all our lives extremely better! I need to know that yall are actively participating. So please let me know where yall are at in the book. The new selection is coming soon

I’m on chapter 4 of the Total Money Makeover. And some of the myths that Ramsey is addressing is more about the mentality than the debt itself. Example: 90 Days Same As Cash really is 90 days same as cash for the people that actually have the discipline to follow through. It seems like he is coming at the large % of people that don’t have the discipline to actually pay it within the 90 days. Same with Affirm or no interest offers for credit cards, it can be beneficial for the people that actually are responsible with it. It seems like Mr Ramsey is more so coming at the large majority of people that do not.

Hello Members. How would rate your level of financial literacy currently from a scale of 1-10? My honest assessment is that I'm currently about a 6 or 7. I have really delved deep into learning about financial literacy and I think my level of knowledge may be at a 8 or slightly better. But because I am still fairly new and sometimes struggle with the discipline, is why I rate myself where I have....What about yourselves? Where are you currently at on a scale of 1 to 10