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.
Dear Dave, I make $25,000 a year, and Im single. I expect my salary to increase to $35,000 next year, so can I get by with a $500 starter emergency fund instead of $1,000?
My wife and I are on Baby Step 3 of your plan, and were about halfway to building our fully funded emergency fund.
Dear Dave, Our daughter is a special needs child, who doctors say will live about half as long as the average adult.
Dear Dave, Im in the middle of a Chapter 13 bankruptcy. Ive worked for years in the automotive industry, but lately Ive been thinking about a different line of work.
Dear Dave, Were working the debt snowball, and together my husband and I make $93,000 a year. The amounts of our remaining three debts are so close we wonder if we should take interest rates into account.
Dear Dave, I make $80,000 a year, and I was wondering if theres an easy way to determine how much money a person would need to live comfortably after retirement.
Dear Dave, My husband and I have seven kids. What parts of your program work best for large families?
Smart leaders learn from their mistakes. While its always easier (and less painful) to learn from the mistakes of others, messing up once in a while is inevitable. Hey, no ones perfect, right?
Dear Dave, My husband and I make $180,000 a year combined, and we have a net worth of about $1.6 million.
Dear Dave, My parents left their six-figure jobs to enter the ministry when I was in high school. That was 10 years ago, and my mom still regularly asks me to share my money with them.
Dear Dave, Ive heard you talk about the importance of giving using the phrase outrageous generosity. But at what point does outrageous generosity become foolish overspending?
Dear Dave, I make $38,000 a year working in the trade show industry, and Im about to start Baby Step 3.
Dear Dave, In 15 months Ill be able to buy in as a shareholder of my firm, about 1.5 percent of the company. I make $100,000 annually, and it will cost me three times my income, but it could increase my income by as much as $40,000 a year. I know that you discourage single-stock investing, but do you think this is a good idea?
Dear Dave, My husband and I are retired, we both receive nice pensions, and we owe $46,000 on our home. This is our only debt.
As the weather heats up and summer arrives, dont make the mistake of letting your team and your business cool down.
Dear Dave, Our son is 16, and he just got his first paycheck. He asked us about the best way to manage it, and were not sure what to tell him. Do you have any advice?
Dear Dave, My mom and dad filed bankruptcy recently and are on a fixed income of $2,200 a month. They gave up their house, and my wife and I helped them find an apartment.
Dear Dave, Based on your annual income, how do you determine how much house you can afford?
Dear Dave, My wife and I are both in our early 20s, were debt-free, and were just a couple of months away from having a fully loaded emergency fund of six months of expenses.
Dear Dave, Im going through a divorce thats about to become final in two weeks.