Monthly Archives: November 2015

I’ve read Total Money Makeover

Well, I’ve read Total Money Makeover and the Financial Peace books by Ramsey and have read/watched Orman for almost 10 years as well. I think they offer sound advice, but I am not one to follow any program to the letter; I use the concepts that work for my situation and cast the rest aside (for example, paying off debts using Ramsey’s snowball method doesn’t appeal to me because it doesn’t take into account interest rates–I am close to completely out of unsecured debt now, nearly 6 months earlier than I would have been had I not snowballed by order of interest).

Ramsey and Orman want you to be completely debt free as well (including mortgage), so I’m not sure what you mean when you say TDIW is a total debt elimination program–wouldn’t Ramsey’s and Orman’s programs fall into that category as well? I hope I don’t sound obnoxious, I’m simply confused. I went to the TDIW site, but didn’t glean much info from it (I understand it’s a program that needs to be purchased and that’s probably why, I was just looking for a bit more info than what they give you before purchasing).

I’m glad you’ve found something that’s working for you–that’s what we’re all here for, right? :) I’d love to learn more about TDIW, but I really don’t see how any program would help me get debt-free any faster than what I’m on track for at this point. Thanks for the info!