Never used. Materials include the member workbook, Dave Ramsey’s Complete Guide to Money and the envelope system. The workbook follows along with each video lesson, highlighting valuable information and providing space for you to record key takeaways. Best-selling book,Dave Ramsey’s Complete Guide to Money provides you with practical answers to the “How?” “What?” and “Why?” questions about money. And finally, the envelope system is Dave’s easy-to-use cash management system: Put money in. Take money out. Stay on budget!