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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]

I have great discipline in financial matters but I can't seem to eat less even though I know how to do so, and as a result I am 20 pounds overweight. Even people with discipline in some areas can lack it in others.  Plus, some people weren't raised to understand the benefits of discipline, and it helps to explain it to them.[/quote]

Understood. Just curious how a book provides accountability. You can read all the diet and exercise books in the world, but that won't get your butt out of the kitchen and into the gym.[/quote]

What is your point?  Some people find the books helpful.  In the books Dave explains how to work the baby steps, and shares stories of people who successfully got out of debt using that method.   Many people who read the books find that helpful.  Why is that hard to understand?  You seem to be acting deliberately obtuse here. [/quote]

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