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More than Enough: The Ten Keys to Changing Your Financial Destiny
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87 of 89 people found the following review helpful
This is financial step 2(If you have read either of Dave's other books):This will continue your journey.I have been listening to Dave Ramsey since he started in Nashville in 1993. His common sense information is why I have a 6 figure 401K, and have had financial peace over the past 13 years. He taught me what my parents should have about personal finance. I have only made 4 car payments in 8 years(I have the cash to pay it off whenever I choose)and have had alomost zero credit card debt in 8 years.(A divorce set me back for 5 months).When I started listening to him I was BROKE.This is a great beginners book in personal finance,it can show you the way out of debt.I Would recommend strongly reading this mans books and listening to him on the radio if you want:
1) To be completely debt free.
2) Have peace of mind.
3) Have the freeedom to quit your job if you want to.
4) Have a large checking and savings account.
5) Retire young
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73 of 74 people found the following review helpful
on May 14, 2003
This book is life changing. For people with financial wisdom it may be yeah, I know that. But for those of us that missed the lessons not taught on financial management in school or by our parents this book is wonderful. It is an outstanding gift for new college graduates and newlyweds. I love it and have already given it as a gift a half dozen times within a month of completing the book. It helps couples talk about their disconnects on managing the household income in a self mocking way. It also helps eliminate some of the stress around money when you truly recognize it's purpose.
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64 of 66 people found the following review helpful
on December 4, 2003
I've read Dave Ramsey's other books and I think this book is worth reeading even if you've already read the others. This one I felt focused a little more on the foundations of character, values, patience, and discipline. It contains the best description of 'diligence' I've ever seen.
Highly recommended for those interested in taking a hard look at not just their debt to income ratio, but also a hard look at themselves and their values.
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27 of 28 people found the following review helpful
on January 30, 2008
This book by Dave Ramsey has much of the same basic principles contained in his books Financial Peace and The Total Money Makeover. The main difference comes in that More Than Enough is oriented towards his philosophy on life. The state of arriving at "More Than Enough" is the end goal for the path Ramsey encourages the reader to follow. This place does not necessarily mean material wealth but is more a state of consciousness and arrival at contentment. The way one arrives at "More Than Enough" is by taking ownership of contentment.

Ramsey says: "When you have contentment you can easily get out of debt. When you have contentment you can easily save and invest. When you are content it changes your giving habits and your relationships. When you are content it brings an inner strength that will push you into another zone. You are able to move fast or slow, and you are able to have patience or intensity when you are content. "

He further discusses this concept by talking about happiness and what it is and what it's not. He says, "Happiness that is dependent on someone else's actions or on the purchase of stuff is not real happiness, and chasing happiness there shows you haven't reached true contentment." This can be so difficult to remember as we go through life and are constantly bombarded with advertising and media trying to convince us we need something bigger or better. Our own human nature also gets in the way of this and can prevent true happiness and contentment by a "gotta have a little bit more or a little bit better" mentality.

The main sections focus on topics such as goal setting, having patience, being accountable to others, discipline, and being generous with one's time and resources.

A feature of the book that is also present in Financial Peace is the "Thoughts from Sharon" section in which Dave's wife Sharon provides some of her insights on the preceding topic. This helps to add color and a slightly different feel to the book than if it were absent. Another component included from the other books is the financial planning forms. These allow the reader to walk through his or her current financial situation and determine net worth, budgeting, paying off debt, planning ahead for big purchases, and generally arriving at a state of financial peace. Another similar component to Financial Peace is the inclusion of steps at the end of each chapter which summarize the key concepts. In More Than Enough , Dave terms them "Keys to the More Than Enough mansion."

Much of the material is repeated from the other books but it does move beyond the strict focus on money and financial decisions. The order of Ramsey's books that I recommend is first Financial Peace followed by The Total Money Makeover and then More Than Enough.
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22 of 24 people found the following review helpful
on April 8, 1999
This book should help just about everybody. Dave's open and honest text helps the reader look deep inside himself to look not only for finanial peace but peace in knowing that the reader can sleep at night with all the other parts of his life no matter who he or she is or how finacially secure he or she might beRamsey has worked hard at his own success and makes no bones about sharing a life that is more about integrity and doing the right thing than the typical finacial strategy books on the market.His tips are solid as a rock and should not be ignored. Especially in todays enviroment where words like integrity, honesty and courage seem to be set aside for excuses and lies. The book takes Dave's first book and drives home the behavioral changes that need to take place to be successful in all aspects of life. Great Job Dave and thank you.
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19 of 20 people found the following review helpful
on July 13, 1999
In this book Dave really drives it home - it's all about values, integrity, honesty and money is just an indicator of those. It taught me a lot on how it really works and it does, you can have more than enough! Go get it!
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13 of 13 people found the following review helpful
on October 9, 2006
Dave is preaching some good lessons about life in this book. Values, vision, intensity, patience, wisdomonics (his word).... but the key to me is contentment. Learn to be happy that you are loved by God, and stop looking at spending money on stuff to make you happy. See yourself as a participant in God's world doing His will, and stop focusing on yourself. I know this is easier said than done, and especially if you have a family to support (you always want to give them the best stuff). This isn't your typical financial planning book, or even your typical how to get out of debt book, but it is filled with good thoughts about life in general, and if you live them, Dave promises other problems (e.g., money) will fade away, or at least get under control. I give this a big thumbs up.
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40 of 49 people found the following review helpful
on December 4, 2007
I really love Dave Ramsey and my husband and I are debt free except for the house, with a 6 month emergency fund because of listening to him. I enjoyed the Total Money Makeover, but I was looking for more of a autobiography from him than more of what he gives on his radio show with a little fluff mixed in - and that's what this is. I read the whole thing, but just didn't enjoy it. The book couldn't decide if it was TTMMO or a fluffy, feel good "values" book. Skip this and get The Total Money Makeover.
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9 of 10 people found the following review helpful
on January 16, 1999
More than enough will give you the keys to assisst you to become one with your spouse. Not in a way that one spouse concedes or bullies one another other, but in a way that helps a couple communicate and agree upon what is important to them. On his talk show, Dave says that if he is given a couple's checkbook and day planner, he can tell you where your heart is. He opens your eyes to where your heart is, not where you think it is. As I have read Financial Peace more then once and now More Than Enough, I think my heart is in a better place and that my husband and I, as a couple, are steering a course in the same direction.
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8 of 9 people found the following review helpful
on January 18, 2008
Dave Ramsey is the financial guru on the radio, and most recently, Fox Business Network on cable TV, who touts an old-fashioned, commonsense philosophy regarding money and finances. He starts off his radio show each day by saying it's where "debt is dumb, cash is king and the paid-off mortgage replaces the BMW in the driveway as the status symbol of choice."
Ramsey's book, like his shows, offers Americans a glimpse into an alternate universe. Instead of being saddled with thousands of dollars of credit card debt, new car payments, house payments and the like -- and staying awake all night wondering how to pay the bills -- it's possible to be DEBT FREE!
Indeed, as the other Good Book (the Bible, not Ramsey's)says, "The borrower is slave to the lender."
Ramsey is not offering some unproven pie in the sky platitudes.He's really been there. As a young man, he was riding high in the real estate business until he wiped out. Everything came crashing down and he lost it all. He's since made it all back the old-fashioned way -- by working hard and paying cash. He shows you how you can do this, too.
In this era of mortgage meltdowns and foreclosure fever, Ramsey has the cure. Cut up the credit cards, work hard to pay them off and eliminiate frivolities (restaurant meals, etc.) until you're debt free. You "live like no one else so in the future you can live like no one else." He gives you the steps to follow to get creditors off your back, get out of the red and into a better financial life. Many of his followers are debt free except for their (15 year fixed) mortgage; others are completely debt free including the mortgage.All are well on the way to having a wealthy life.
In this book, Ramsey shows you how to climb out of the money pit you've dug for yourself so you can have "more than enough" of everything. Highly recommended advice!
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