text: is it this simple to break the debt cycle? i've read several books by robert kyosaki ( i hope i spelled the name right) and dave ramsey. i.e. rich dad, poor dad, financial peace, cash flow quadrant, and some others. the ideas are simple and seem to be working for me. is it really this simple or am i just lucky? it really is simple, but not easy - if anything that requires self discipline can be considered simple or easy.  controlling or delaying our self-indulgences is something to strive for and to enjoy in practise.  congratulations.