There are no gimmicks or quick fixes to Ramsey's method of financial salvation. Instead he encourages readers to take "baby steps", set realistic goals, and seek the support of family and friends. Ramsey's advice is easy to follow, and, because he's been there, he doesn't talk down to his audience. His workbook format allows readers to frequently assess their progress and, most important, to face their situation honestly, using the questionnaires and fill-in charts throughout the book. Like any regimen, achieving financial peace requires patience and hard work. But the benefits -- even if it only means being able to sleep at night, answer the telephone, or balance the checkbook without stress -- are well worth the effort. Ramsey even provides information on how to grow your wealth and provide for a comfortable retirement once the debt is eradicated. Laced with inspirational insights that come from personal experience, The Financial Peace Planner may be the most valuable purchase a debt-ridden reader could ever make.