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I'm a big Dave Ramsey fan. No nonsense, common sense financial advice without fluff and coddling. And without stupidity. Good financial math, instead, is really very simple. And Ramsey lays it out plain and simple.

On his radio show last week, Ramsey recommended three books to a caller who was destitute and hopeless. If you, too, are feeling yourself at a financial dead end, read these three books yourself. Then follow up with Ramsey's book. You'll get the boost you need to make a fresh start.

• QBQ! The Question Behind the Question: Practicing Personal Accountability at Work and in Life
• The Go-Getter: The Timeless Classic That Tells You How To Be One
• 48 Days to the Work You Love: Preparing for the New Normal

Alison Moore Smith is a 61-year-old entrepreneur who graduated from BYU in 1987. She has been (very happily) married to Samuel M. Smith for 40 years. They are parents of six incredible children and grandparents to two astounding grandsons. She is the author of The 7 Success Habits of Homeschoolers.