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Dave Ramsey is a personal money management expert, popular national radio personality and the author of three New York Times bestsellers – The Total Money Makeover, Financial Peace Revisited and More Than Enough. In them, Dave Ramsey exemplifies his life’s work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others.
Dave Ramsey knows first-hand what financial peace means in his own life, having lived living a true rags-to-riches to rags-to-riches story. By age 26 he had established a $4,000,000 real estate portfolio, only to lose it by age 30. Dave Ramsey has since rebuilt his financial life and now devotes himself full-time to helping ordinary people understand the forces behind their financial distress and how to set things right - financially, emotionally and spiritually.
Dave Ramsey offers life-changing financial advice as host of a nationally syndicated radio program, "The Dave Ramsey Show," which is heard by three million listeners each week on more than 300 radio stations throughout the United States. Dave Ramsey's syndicated column, “Dave Says” currently has a circulation of more than 5,000,000 in publications worldwide.
Dave Ramsey is the creator of Financial Peace University (FPU), a 13-week program that helps people dump debt, get control of their money and learn new behaviors with money that are founded on commitment and accountability. More than 260,000 families have attended FPU classes at their workplace, church, military base, nonprofit organization or community group. The average family pays off $5,300 in debt and saves $2,700 in the first 91 days after beginning FPU and is completely our of debt – except for their mortgage – in just 18 to 24 months.
Dave Ramsey created a group of products in an effort to teach children about money before they have a chance to make mistakes. Financial Peace for the Next Generation is an all-inclusive school curriculum that is currently in more than 1,500 schools across the country. Financial Peace Jr. is an instructional kit designed to help parents teach their young children about working, saving and giving their money. Through Dave Ramsey's entertaining children's book series, The Super Red Racer, Careless at the Carnival, The Big Birthday Surprise, My Fantastic Fieldtrip, A Special Thank You and Battle of the Chores, children learn about working, saving, giving and spending money.
Dave Ramsey earned his Bachelor of Science degree in Finance and Real Estate from the University of Tennessee. A frequent speaker around the country at large-scale live events, Dave Ramsey is a passionate and inspiring presenter who is at ease on both sides of the mic. More than 500,000 people have attended Dave Ramsey's live events.
Dave Ramsey resides with his wife, Sharon, and their three children, Denise, Rachel, and Daniel, in Nashville, Tennessee.
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Dave Ramsey (May 15, 2012)
Dear Dave,
I’m a single dad with two teenagers at home. My 15-year-old son wants to open a checking account of his own, but he doesn’t want me or anyone else to have access... more
By
Dave Ramsey (May 08, 2012)
Dear Dave,
I have a problem with impulse spending. I switched to a debit card so that the money comes straight out of my checking account, but I still buy things I know I... more
By
Dave Ramsey (May 03, 2012)
Dear Dave,
Do you feel that some people are born leaders, or do you have to read and study to become one?
Michael
Dear Michael,
I don’t believe anyone is born a leader.... more
By
Dave Ramsey (May 02, 2012)
Dear Dave,
I’m about to complete Baby Step 3. I’ve been very intense about following your plan, but I was wondering if there’s ever any kind of frustration or letdown after... more
By
Dave Ramsey (Apr 25, 2012)
Dear Dave,
I just lost my job due to company-wide layoffs. I have an emergency fund, but I’m losing my health insurance. Our state has a program that covers children’s... more
By
Dave Ramsey (Apr 18, 2012)
Dear Dave,
Does it matter whether it’s the husband or the wife who keeps the checkbook and pays the bills? Lots of people say that kind of thing is the man’s job, but I was... more
By
Dave Ramsey (Apr 11, 2012)
Dear Dave,
Is it ever a good idea to sell your home and buy a smaller, less expensive one in order to get out of debt more quickly?
Autumn
Dear Autumn,
It’s a good idea... more
By
Dave Ramsey (Apr 09, 2012)
Dear Dave,
My dad died earlier this year, and as a result my mom and I inherited his auto parts business. He had a lot of accounts receivable piled up, and we need to... more
By
Dave Ramsey (Apr 04, 2012)
Dear Dave,
My husband works two hours away from home. He gets up at 3 a.m. and doesn’t get home until 7 p.m. We have a fully funded emergency fund, and he makes $95,000 a... more
By
Dave Ramsey (Mar 28, 2012)
Dear Dave,
I want to keep one of our credit cards open and use the bill-pay option for utilities and other monthly bills. I want to do this so we can continue earning... more
By
Dave Ramsey (Mar 21, 2012)
Dear Dave,
Is there some way to put a block on a credit report prior to sending a kid to college, so that the credit card hustlers can’t get to them?
Trevor
Dear... more
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Dave Ramsey (Mar 13, 2012)
Dear Dave,
I was wondering why you recommend doing a fresh budget every month. Once you’ve figured out your expenses and income, won’t the same budget work month to... more
By
Dave Ramsey (Mar 07, 2012)
Dear Dave,
We keep getting offers in the mail from a law firm that offers to protest the assessed value of our home for property tax purposes. They say that we’ll pay them... more
By
Dave Ramsey (Mar 02, 2012)
Dear Dave,
I’ve been self-employed all my life, and I work my tail off every day. The other day I heard some guys complaining about their jobs and saying that their company... more
By
Dave Ramsey (Feb 29, 2012)
Dear Dave,
My husband and I have been through Financial Peace University. I’ve always been the numbers nerd, although he’s catching on and doing pretty well. He has a... more
By
Dave Ramsey (Feb 22, 2012)
Dear Dave,
My husband’s company recently told everyone that massive layoffs are coming, and they should start looking for other jobs. Right now, all of his options are... more
By
Dave Ramsey (Feb 14, 2012)
Dear Dave,
My boyfriend has a lot of debt. The other day a creditor called, and he wouldn’t answer the phone. Then, he told me it would be easier for him to pay off his... more
By
Dave Ramsey (Feb 08, 2012)
Dear Dave,
My wife and I bought some furniture a while back on what we thought was a 24-months-same-as-cash plan. The original purchase price was $1,600. The other day, I... more
By
Dave Ramsey (Feb 02, 2012)
Dear Dave,
My husband hates his dead-end job and is talking about cashing out his 401(k) to open a franchise of his own. Does this sound like a wise move to... more
By
Dave Ramsey (Feb 01, 2012)
Dear Dave,
I’ve got auto insurance, but can you tell me what other kinds of insurance are good to have?
Chris
Dear Chris,
The purpose of insurance is to transfer risk... more
By
Dave Ramsey (Jan 25, 2012)
Dear Dave,
In your plan, you talk about Baby Step 3 as saving enough to have three to six months of expenses in your emergency fund. My husband and I were wondering how you... more
By
Dave Ramsey (Jan 17, 2012)
Dear Dave,
We’ve read about your plan, and we’re in pretty good shape financially, but we don’t know what to do next. We have $400,000 in a 401(k) for retirement, but we... more
By
Dave Ramsey (Jan 13, 2012)
Dear Dave,
I have old credit card debt that goes back a few years. The account has been sold and re-sold to several collection companies. The limit on the card was $300, but... more
By
Dave Ramsey (Jan 04, 2012)
Dear Dave,
My husband is a landscaper who works for the state. He has his technical license and wants to start a business doing private work as well. What advice would you... more
By
Dave Ramsey (Jan 03, 2012)
Dear Dave,
My wife and I have gone from having almost nothing to making about $90,000 in the last few years. The problem is that I can’t get her interested in saving money.... more