My husband and I just started the Dave Ramsey classes 3 weeks ago. We meet every Tuesday night for a 1 hr video then a 1 hr discussion. So far it's been great. We have been fairly good with our money. We paid cash for our cars and we don't owe on credit, but there's still so much we didn't and don't know. We had no idea how to really go about putting together a budget. And you know that sinking feeling at the end of the month when there's still bills and there's no more money. Well, it's gone. My mother in law paid the $100.00 enrollment fee as a gift and you get SOOOOOOOOOO much for your money. His book, workbook, cd's budget books and more. Plus you meet for 3 month every Tuesday. Just thought I would pass on what a positive experience this has been for us so far, and the side effect is it makes you stronger as a couple.