Monique Harps is a personal finance enthusiast and Dave Ramsey fan.

She started her total money makeover journey in July 2007.  In December 2012 she became debt free paying off a total of $104,616. Along the way she realized that there is more than one way to make  beans & rice and they are not reserved for the “broke”.  Monique got the idea for the book when she ask a co-worker “What dish from your country do you miss most?” and he responded “bean & rice”.