[xtrimsky1234]

I'm surprised I haven't seen anyone mentioning Dave Ramsey. His podcasts, his youtube videos.

If you are living paycheck to paycheck, he is a great resource. It's very easy to fall into the consumerism trap in the US. Plenty of people have iPhone, iPads, Macbooks, seem to travel a lot, student debt, car loans, go to concerts go eat out daily, etc... If you make 100k, or 200k or 300k, you feel you are "rich", you don't need a budget, you don't need to keep track of every dollar, you don't need a plan, a 2% car loan interest is fine, the S&P500 gives you a return of 10% anyways... But Dave Ramsey stirs people in the right direction. At first you will probably curse him because he goes head on against simple math. But his teachings are great, they push you into making actual progress and not postponing efforts. I think someone making 60k and following what he teachers can easily become a millionaire.