According to J.D. Roth, Dave Ramsey changed his life: “In the fall of 2004, I had over $35,000 in consumer debt. I was making a solid middle-class salary, but I lived paycheck to paycheck. My money habits were terrible. When I looked into the future, all I saw were years of toil to pay for the things I’d already purchased. “Then a friend loaned me a copy of The Total Money Makeover, a book by