Is this guy for real?
I got the CD in the mail yesterday and listened to it right away. Quite honestly I have to say that this person sounds looney. I think that the average person, if he or she were to let Dave come into his or her life, would be able to get something out of his system of using envelopes and zero-based budgeting.

If you are in debt, there might be more benefit from listening to this CD. It seems that half of the message is how to get out of debt, and it didn't pertain to me because I am not in debt.

Despite his style, I think I might get the entire DVD set.

Overall, I have to give this product 3 stars because I was disappointed that it didn't seem to live up to its title of Cash Flow Planning. I think a more appropriate title would be "Planning Your Expenses" rather than "Cash Flow Planning" because he does not seem to address the issue of Flow.

Dave Ramsey's CD's
The only thing better is to have the kit and the DVD's so you can see him speak rather than just listening.

Entertaining and Very Practical Money Advice
This CD was my introduction to Dave Ramsey and I am now a huge fan. In less than 3 years we paid off over $80K in debt, our income has gone up and we are working on paying off our mortgage. Simple practical advice - stop borrowing, pay cash, have an emergency fund and pay off your debt. Dave is very motivating.