Dave Ramsey's Total Makeover

The following are the baby steps to financial freedom by Dave Ramsey:

1. $1,000 to start an Emergency Fund
2. Pay off all debt using the Debt Snowball
3. Three to six months of expenses in savings
4. Invest 15 percent of household income into Roth IRAs and pre-tax retirement
5. College funding for children
6. Pay off home early
7. Build wealth and give!

The concept is good, though I think not all the steps are workable 100% for all people.  For me step #6 doesn't work because I own a mobile home and have no plans of selling it to buy a home which in my neighborhood would cost me more than $500,000.  I've done the math several times and it just doesn't make sense to buy a home.  My mobile home is paid for.  I live in a 5 star park in a beautiful neighborhood and my rent is only $700.  Though it sounds good step # 6 just doesn't work for me.

I don't have much debt and I save 30% through my IRA at my job.  How do I save so much?  Well, one of my secrets is following the Zen of Attraction.

Moolanomy has an excellent article on Dave Ramsey's steps and have really fleshed out the steps.  Check it out and tell us what you think.

The Zen of Attraction

You can have more by needing less. 

Promise Nothing
The Zen of Attraction
If Less Is More,
Than Nothing Is Everything

by  Thomas Leonard

1. PROMISE NOTHING
Just do what you most enjoy doing.
2. SIGN NOTHING
Just do what doesn’t require a signature of any kind.
3. OFFER NOTHING
Just share what you have with those who express an interest in it.
4. EXPECT NOTHING
Just enjoy what you already have. It’s plenty.
5. NEED NOTHING
Just build up your reserves and your needs will disappear.
6. CREATE NOTHING
Just respond well to what comes to you.
7. SEDUCE NO ONE
Just enjoy people.
8. ADRENALIZE NOTHING
Just add value and get excited about that.
9. HYPE NOTHING
Just let quality sell by itself.
10. FIX NOTHING
Just heal yourself.
11. PLAN NOTHING
Just take the path of least resistance.
12. LEARN NOTHING
Just let your body absorb it all on your behalf.
13. BECOME NO ONE
Just be more of yourself.
14. CHANGE NOTHING
Just tell the truth and things will change by themselves.