Ever since I read the book My Total Money Makeover by Dave Ramsey, some might say I am a little obsessed with him now. I have been know to start sentences with, "Dave says this," or "Dave says that." I have drunk the Kool-Aid, so to speak. 

So let me break it down to you why I have been so smitten lately. Here are the top ten reasons that I love this guy:

10. He doesn't sugar coat things. I absolutely love it when a leader can manage to take the emotions out of the process and just say, "Look, this is the way things are, and here's what I would recommend." He challenges the fact that we often use our emotions to justify stupid financial decisions.

9. He is a regular guy. He didn't inherit a ton of money. He didn't get hand-outs. In fact, the opposite happened. He has experienced foreclosure, bankruptcy, being sued, and all the emotions, challenges, and devastation that brings. He knows what he is talking about because he has done every mistake he now advises against, and for good reason. It sucks.

8. He is encouraging. When you call into his show, you don't have to worry about your head being bitten off because you have made mistakes in the past. He focuses on the present and future, because really, that is all we have to work with now. He also regularly gives away free books or Financial Peace University classes to those who need it.

7. He doesn't love money, he loves freedom. Freedom from debt, that is. Once you are free from the choke of interest rates, payments, fees, and FICO scores, you are truly free. You have the power to tell your money what to do. If your goal in life is to give away one million dollars to the charity of your choice when you die, he can help you make that happen.

6. He uses regular people's stories in his books and classes. It is really difficult to imagine Dave as a greedy young man seeing him where he is today. Although his personal story is encouraging, it is wonderful that he uses his readers and listeners' stories as well. In The Total Money Makeover, there are real-life letters from people who followed Dave's advice and got out of debt and onto the right track. As Dave likes to say, they have changed their family tree!

5. He has a good sense of humor. What he teaches is essential to every person who uses money as their primary way of funding their living. No one would listen if he was as boring as my 9th grade science teacher.

4. You can listen to his radio show online anytime you want for free. Not a lot of my favorite radio personalities are this generous. Add to that that not every market features his show, and this is truly a great idea. It is also a great way to start to learn about what he teaches and what kind of person he is if you have recently heard of him.

3. He will turn your thinking upside-down with all the money myths he dispels in The Total Money Makeover. I admit, when I first read these, I was both elated and angry. Elated to be freed from lies, angry that I had fallen victim to them, despite an uncomfortable inner nagging with many of them. I am grateful that he is a leader who has chosen to stand up to the credit industry and their slimy tactics, and luring "opportunities."

2. He bridges the gap between our grandparents' generation and our current generation.  What I mean is this: he teaches the principles that our grandparents were taught and lived out. He did not invent the system, he just put it in a way that makes it easy to understand and use. Why there was such a mass disconnect between then and now eludes me, but thank-you Dave for bringing it back!

And the number one reason that I love Dave:

1. He gives you a workable plan! Dave calls his plan the Seven Baby Steps.  They are so easy to use, and anyone WILL benefit from them because they simply are just a smart way to handle your money, no matter what your income level, how many kids you have, or how much debt you have. You also learn to work with your spouse together so that you are on the same team with your spending and saving. It also helps put money into perspective, and take emotions and justifications out of the process. Right-on, Dave!!

If you weren't a slave to your debt, what would you do with your life?


*Just as a disclaimer, I don't work for the guy, or am getting paid by him at all.

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Nov. 20, 2010 at 1:40 PM

He has helped us a lot.  We were well on our way to being free when we found him and did some things differently, but he is so sound and I do like his manner.  He is good no matter what stage you are at.

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Nov. 20, 2010 at 4:18 PM

shoutingSo true! I also love that about him!

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Nov. 20, 2010 at 5:32 PM


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Nov. 20, 2010 at 5:59 PM

That is great callmeann!! He has definitely changed our outlook and path as well.

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Nov. 20, 2010 at 8:32 PM

My husband and I started Dave Ramsey plan after we got married and we are very blessed to be debt free within like 2 years of being married and we had lots of debt!  We did debt snowball and it is a wonderful concept!!!  I am so thankful to have been introduced to the program!!!IT WORKS

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Nov. 20, 2010 at 10:16 PM

I love him too, wish the rest of the USA would listen to him we wouldn't be in the economy we are in. BUT it starts with US and our homes!

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Nov. 20, 2010 at 11:59 PM

You are so right strawberryLVR! It does start with us, and the more the masses practice good financial planning, the more the politicians will catch on.

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Nov. 21, 2010 at 7:40 AM

Love Dave Ramsey!

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