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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]

There are many people who spend like some overweight people eat.  There are those who think nothing of getting coffee at Starbucks.  Then there are those who think they are saving enough just to get their coffee at McDonald's or Dunkin Donuts because it's cheaper.  The problem is that it is still fiscal snacking.  There are those who think that shopping at Target twice a week, and buy extra impulse buys because they fall victim to the marketing team who knows how to place products in the aisles and checkouts to encourage impulse buying.  And they don't understand how this all affects their bottom line.  Dave Ramsay provides a set of guidelines for those people who either don't have the disccipline or don't understand the basic concepts of frugality and where it leaks into their daily lives.

Glad that you have fiscal discipline, but there are many thousands out there who do not.  Think of Dave Ramsay as a support group or counselor for fiscal snackers.[/quote]

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