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I'm a huge Dave Ramsey fan, but I'm not sure you can get his "program" online and for free, but it's worth every penny. You can listen to his radio show every day from 1 - 4 CST (I think). I pull up his website and listen to it on the computer while I'm at work. It's very enlightening and I've learned a lot. He has such a no-nonsense budget plan, it's not rocket science, etc.. Try it, you won't be sorry.
