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Product Description The Starter Envelope System has all the tools that you need to begin Dave's proven, easy-to-use cash management system. Try this simple way to manage your household income and expenses and avoid spending more than you earn! -- Dave Ramsey About the Author Dave Ramsey is America’s trusted voice on money and business. He’s authored seven best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, The Complete Guide to Money, Smart Money Smart Kids and The Legacy Journey. “The Dave Ramsey Show” is heard by more than 13 million listeners each week on more than 585 radio stations and digitally through podcasts, online audio streaming and a 24-hour online streaming video channel. Follow Ramsey on Twitter at @DaveRamsey and on the web at daveramsey.com