Dave Ramsey Review

Dave Ramsey is a very qualified money manager who has blended his faith and money budgeting into an inspiring radio talk show. He gives live performances where his method of debt reduction and financial management is taught to people on a level that is easy to comprehend.

Dave Ramsey is very honest about his faith and does not hide behind a false mask. He also is very clear about his dislike of credit and suggestion of not borrowing on creditcards and getting into debt. Home ownership is an "investment" and he makes the clear difference between a mortgage and unsecured credit.

He preaches frugal living and living within means. Savings for a rainy day and giving 10% to your faith (church). His methods are solid but need full dedication of teh family. Some may not agree with his family structure and gender roles. He is also against legal bankruptcy because of his faith and is against credit reduction firms but gives reasons for it that are logical.

He is bias against credit cards being tools and is clearly anti credit cards. He provides excellent advice on the radio to random callers and I have called in with staged scenerios a few times and was able to get solid information so I can say they callers are not staged. His financial knowledge is excellent and he also admits when stumped.

He does sell his own books and packages but they are also given often on request to callers. I do not consider his system a scam but also think the information could be found for free.