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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Well, those baby steps seem rather self explanatory. Why do you need a book or class? It all comes down to discipline. [/quote]

Why do people need personal trainers? Why do they need life coaches? Why do they need to go to Weight Watchers class if they have a scale at home? Why do so many DCUM-type kids need "tutors" who do nothing other than make sure they do their homework? Why do people need to join running clubs?[/quote]

Well, life coaches are usually frauds. Tutors help students struggling to understand difficult concepts (which isn't the case when it comes to frugality). Weight watchers and trainers provide accountability to those who struggle with commitment and self-restraint. How does Ramsey provide accountability? Curious, not throwing rocks. Tracking expenses and measuring savings or hitting goals (paying off debt) seems like sufficient accountability. I can't imagine how a book or class provides accountability. A financial planner, however, likely can provide accountability. [/quote]

They provide motivation and direction.  Clearly it works for a lot of people.

Are you the op?  Are you trying to figure out if you should buy the book?[/quote]

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