"Ramsey offers [an] approach to money matters, providing not only the how-to but also a ... hope for getting out of debt and achieving total financial health. Ramsey [examines] the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourage nothing but overspending and massive amounts of debt"--Publisher's description.