The Total Money Makeover (Dave Ramsey)

Dave Ramsey's debt-destruction playbook has sold over 10 million copies by telling people what they don't want to hear: cut up your credit cards, pay off debts smallest-to-largest (the "debt snowball"), and live on rice and beans until you're free. Financial purists hate that the snowball method ignores interest rates, but Ramsey argues that personal finance is 80% behavior. His 7 Baby Steps have pulled millions out of debt — even if his anti-credit-card absolutism makes finance academics twitch.