Personal finance2003
The Total Money Makeover
Dave Ramsey
Focuses on debt cleanup, budget discipline, and emergency reserves before scaling investing risk.
Checklist
Do I have a rule to turn money goals into explicit cash flows?
Do I have a rule to prioritize reserves and debt control?
Do I have a rule to design habits that can last?
Do I have a rule to measure progress through net worth and freedom of choice?
Write down what would invalidate the thesis.
Set a review date before acting.