"We don't get into debt by doing the math."  That's from finance guru Dave Ramsey who says getting out of debt, and then creating wealth, is about your behavior.  Dave, and co-host of the Ramsy Show, George Kamel, explain how tens of millions of people have turned their lives around financially by taking 'baby steps.'

George also goes over the questions you need to ask yourself before making any purchase.  He calls it the S.M.A.R.T. system.

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To get a free copy of The Total Money Makeover, email Heather the reasons why you need to learn how to become debt free, here.  The first 3 people who send email will receive the book in the mail.