Episode · The Ramsey Show · 2025-12-31
Books mentioned on Early Money Decisions Shape Your Financial Future
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Rachel Cruz recommended Breaking Free From Broke by George Kamel. Also mentioned: The Total Money Makeover by Dave Ramsey.
Books mentioned, in the order they came up
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Breaking Free From Broke
Breaking Free From Broke by George Kamel is a practical, engaging personal finance guide designed to help millennials and Gen Z readers navigate debt, credit scores, and wealth building with humor and solid research.
Recommended“I'll throw in uh George, I want to give away one of your books. Yes. To Jake. Breaking free from broke because he has a whole chapter or multiple maybe even a whole chapter on credit scores specifically.”
Where to get it
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The Total Money Makeover
Dave Ramsey's The Total Money Makeover is a practical financial guide that outlines a step-by-step method for eliminating debt, building emergency savings, and achieving long-term wealth accumulation.
Discussed“we were just paying minimums and then we've read um you know uh total money makeover and we've started trying to get out of this debt.”
Where to get it
Other mentions in this episode (1) — ad reads, self-promotion and passing references, never counted
Plugged Breaking Free From Broke
“I cover eight objections of why people won't stop using their cards in my book, Breaking Free from Broke.”

