I talked about this book in my last post, but not enough! I really highly recommend Dave Ramsey's Total Money Makeover for anyone who has any amount of debt looming over their heads or anyone who hasn't begun saving for retirement or college yet. I personally have a lot of student loan debt and business debt, so I know how scary it can be to think too much about it. I've ignored it to the point of thinking that I'm not stressed about it, only to wake up at 3 a.m. in a panic. I know I'm not the only one. Many people are just one illness, accident, or job loss away from failing to make a payment on their home mortgage or student loan. Wouldn't it feel good to complete a program that helps you to "snowball" your debt, freeing you once and for all? One of my goals for 2009 is to really tackle my debt, not continue to pay the minimum and wake up stressed every night. The plan does involve eliminating unecessary expenses, selling stuff you don't use, and living like a pauper for a while, so don't expect a magic cure. But it will feel really good once the debt is gone and you can pay for things with money you have and not money you hope to earn later.