Better than Dave Ramsey, check out Bogleheads.org. You (and everyone else) really do own your financial life. There can be curveballs-- a catastrophic illness

Better than Dave Ramsey, check out Bogleheads.org. You (and everyone else) really do own your financial life. There can be curveballs-- a catastrophic illness, for example-- but for the vast majority of people, having money or not is really a series of personal decisions made over a lifetime.