This brand-new, factory-sealed Dave Ramsey Financial Peace University 2012 Membership Kit includes everything needed to start your journey to debt freedom, including the member workbook, Dave's Complete Guide to Money, and the full audio library. Please note there is a slight cosmetic dent on the front face of the box, as shown in the photos, though the outer plastic seal remains completely intact. This comprehensive 9-lesson program is perfect for anyone looking to master budgeting and the "Debt Snowball" using a fresh, untouched set of materials.