Who wants financial freedom?

COMMON CENTS is a huge fan of Dave Ramsey, heard by millions of people via his weekly radio show, his regular appearances on Fox News and his best selling books. Dave has a common Sense approach to eliminating debt and living within your means. Dave has helped thousands of people to eliminate their debts and achieve their financial goals. The focal point of his lectures are his "Baby Steps" which will help anyone to get out from under the debt monster:

1. $1,000 to start an Emergency Fund
2. Pay off all debt using the Debt Snowball
3. Three to six months of expenses in savings
4. Invest 15 percent of household income into Roth IRAs and pre-tax retirement
5. College funding for children
6. Pay off home early
7. Build wealth and give!
8. Invest in mutual funds and real estate

Some of the quotes from his latest book "Total Money Makeover"

• A new $28,000 car will lose about $17,000 of value in the first four years
• you own it. To get the same result, you could toss a $100 bill out the window once a week during your commute."
• "Looking to spend $100 per month on life insurance? You could pay $7 a month toward term insurance and invest the remaining $93. But go with a cash-value policy if you'd rather have someone else earn interest on your investments."
• "49% of Americans could cover less than one months' expenses if they lost their income."
• "If your mortgage payment is $900 and the interest portion is $830, you will pay that year around $10,000 in interest. What a great tax deduction! Right? Otherwise, you'd pay $3,000 in taxes on that $10,000. But who in their right mind would chose to trade $10,000 for $3,000?"