Several of my co-workers have been doing Dave Ramsey's program. One for three months (and has two debts paid off already) and one for several years (with 5 years left to pay off their mortgage). I have been doing research to find out more about Dave Ramsey and have got my husband interested too. I found the online MyTotalMoneyMakeover.com and am wondering if any of you have tried this. I like the online aspect, but am worried that it goes off in too many directions, taking away the simplicity of the program. Would this be a good tool for newbies?