Making Smarter Financial Decisions Is Simple – But Not Easy

So today, I’m on pages 3-4 (in the Introduction) of Dave Ramsey’s Complete Guide to Money. And here’s my lesson for the day:

Making smarter financial decisions is truly simple, but not easy.

Today, I read about how the lessons from Dave’s Financial Peace University (FPU) got turned into a book – the Complete Guide to Money.

Sure, the materials and lessons have been updated since FPU started, but the main idea behind the whole system remains the same: you need the right information; but even much more, you need the habits to make that information work for you.

Every so often, you’re faced with the task of making crucial financial decisions:

  • Should I buy a car or lease it?
  • Should I invest or pay back my loans?
  • Should I get this or that life insurance policy?
  • Which index funds should I invest in?
  • Should I buy a house now?
  • Should we downsize to save money and move to a smaller place?
  • How best can I diversify my investments?
  • How best can I invest my money?
  • Should I take out loans for this grad school education?
  • Should I go back to school?
  • Should I file bankruptcy?
  • And on and on

The truth is: you’ll likely go through several thinking and brainstorming sessions trying to decide what to do in making these financial decisions.

Across all situations, you want to minimize regret as much as possible, and to be able to look back and say “I made the right decision.”

If you’ve ever found yourself in a situation like this, then you need BOTH information on what your options are and the right behaviors to go through with that decision.

Simple? Yes

Easy? No.

When you read a book like Dave’s Complete Guide to Money, you’ll get the information you need & useful tips to master the behaviors that will help you use that information.

Armed with a book like this, you’ll discover that: making smart financial decisions is simple, but in no way is it easy.

You’ll need to:

  • Understand what to do
  • Choose to want to do it
  • Shun critics who say having financial peace can’t really be this simple
  • And be firm in your determination to win with money

So the next time you’re faced with a complex financial decision, remember:

  • It doesn’t have to be complicated
  • To use the right resource to get information
  • To put the information you’ve learned to good use in making the right decision
  • To shun any quick fixes or “easy” solution


Because: Making smarter financial decisions is truly simple, but not easy.

And with that, we conclude the rest of the Introduction chapter of the Complete Guide to Money. Next, we’ll move on to Chapter 1.

That’s all for today, my friend. We’ll be continuing on Page 5 of the book tomorrow.

See you then.


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