...for 2 hours on the phone!  He was quite excited.  He discovered Dave Ramsey of "The Total Money Makeover" last year.  Using the book, a newsletter and some free podcasts, he dropped his expenses by $30,000 and increase his income by $30,000!!!  He's building up an Emergency Fund and he's really excited. 

He is a small tool repair guy who owns his own business.  His wife is a substitute teacher who is good at what she does and kept very busy.  They always thought it was her income that kept them afloat.  But when they actually started tracking the money, they were surprised to see the tool repair business financed a full 2/3 of their lifestyle.

So I went on-line yesterday to check out Dave Ramsey's site.  It looks like I need a PayPal account to order something from outside the U.S.  I don't have a PayPal account.   So instead, I put a "hold" on Dave Ramsey's "The Total Money Makeover" at my local library.  They have some of his tools there as well, which I also put "holds" on. 

I've read this book in the past, but felt it had nothing to do with us, as we've never carried any debt other than our mortgage, which we managed to pay out six years early.  Our problem is not debt management, it's how to manage the money we do have!  I'm wondering if Dave's other book "More Than Enough" might be more relevant.

We've accomplished four of the baby steps already.  But there are the other three...  Paul just doesn't view saving for the girls education, saving for retirement (he has a pension after all) or building wealth as important.