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, How do you have a wedding without debt?
Dear Dave, My wife and I are on Baby Step 3 of your plan. When we have standard car repairs, I want to use the emergency fund. She says that kind of thing isnt an emergency, and we should just put it off as long as possible while saving up to fix the problem. Whos right?
Dear Dave, Ive been trying to get control of my money, and the other day I was looking at your plan. Where does buying a house fit into the Baby Steps?
Dear Dave, My husband and I are about to relocate to another part of the country. Wed like to sell our house, but were thinking about taking out a small loan to have some work done first. We could get in the $180,000 range selling it as-is but closer to $200,000 if we installed new roof, carpeting, exterior paint and concrete work. I know how you feel about debt, but what are your thoughts in this scenario?
Dear Dave, I work as the executive director of a nonprofit charitable organization. Lately, Ive been wondering if I should hire an employee as a development person. I dont want to damage the work we do, and I cant help but look at bringing in someone new as a gamble. Do you have any suggestions? How do you handle situations like this?
Christmas is the best. You get to hang stockings, shop for your favorite people, and potluck like a champ. Theres no other time of the year quite like it. Thats why its so easy to get carried away with your seasonal shopping!
Dear Dave, Im 45 years old and a single mom. I have a decent job, but I want to go back to school to become a nurse. The money would be much better than what I make now, but Id have to take out student loans to make this happen. Is it worth the risk?
Dear Dave, Our son is a senior in college. We all signed a contract before he left for school a few years ago stating that we would pay for school and provide him a car to drive as long as he maintained good grades and behaved in a respectful and mature manner.
Dear Dave, Ill be moving out to finish college next year, and Im not sure how to find a good roommate. I know this isnt a money question exactly, but I listen to your show and value your opinion. Do you have any suggestions?
Dear Dave, My wife and I just started your class, and were determined to get out of debt. At the same time, Id like to do something to reduce the stress in her life. Shes a nurse, and she works three 12-hour night shifts a week. Im a teacher, and I think we possibly could get by if she cut down to just two nights a week and worked part time. Would this be a good idea?
Dear Dave, I know youre all about getting out of debt, and I agree with your stance on that. I started college last month, and scholarships and Pell Grants will pay for everything. But is saving money really that important if youre young and have a good income? What good does money do you if you dont use it for something?
Dear Dave, My husband and I live on a budget and are getting out of debt. Our daughter is in high school, and weve been teaching her about your plan. Is it realistic to expect a 16-year-old with a part-time job and a hand-me-down car to make and live on a budget?
With the holiday season just around the corner, its easy to lose track of your spending. Even the hardcore budgeters out there can find themselves lured into the retail marketing engine telling them to buy more, more, more.
Dear Dave, Ive spent most of my marriage not being a good husband and not being involved in our family finances. After being introduced to one of your programs at work, I realized how irresponsible I had been and went home to apologize and tell my wife about it.
Dear Dave, Our family has an account at a movie rental store. I rented a movie the other day, and forgot to take it back on time. The late fees add up to $20. Im in college and have a part-time job, so my parents think I should pay the late fees. They started the account, so shouldnt they have to pay the fees?
Dear Dave, Im having issues with my youngest brother, and I need some advice. Hes 25, divorced and has two kids. He only wants to play dad when its convenient for him, and hes very irresponsible with money as well.
One of the most popular small business questions I receive on a regular basis might surprise you. It goes something like this: How do you run a successful company without it completely taking over and ruining your life?
Dear Dave, My husband and I have a disagreement on whether or not you would recommend buying a home warranty to cover appliance repair. Ive read your books, and I think youd say no. He thinks you believe its a good idea. Can you settle this for us?
Dear Dave, If a credit card company has charged off a debt, can they still sell that debt to someone else who can come after it? Im currently receiving calls about a debt thats more than 20 years old. Do you have any suggestions?
Dear Dave, With all the economic problems in the country today, what can college students do to avoid money problems in the future?