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[quote=Anonymous][quote=Anonymous]I'm not the op. I just realize that Ramsey is in this to make money for himself. Reviewing his website, it's clear that he is selling something---and promoting it as a concept requiring his books, tool kits, classes, etc.

Personally, if I were in debt, I wouldn't shell out money. I would follow the baby steps starting with tracking every expense and drastically cut down to the point of only spending money on critical expenses for one month to see how much can be saved. This method has worked for us when I say I want to take a big vacation that my husband says we can't afford: we go uber frugal for a few months, stockpile "new found money" from savings, and then we book the trip. Of course,[b] we've never really been in debt [/b]since we quickly paid down student loans, bought a house we could easily afford, only buy used cars, etc. [/quote]

So clearly you're not the people Dave is trying to help.  That's great for you, but there are a lot people out there who are in debt, deep debt, who need help to get out of it.  Dave is a great speaker, and has personal experience with debt and can talk from the heart about the emotions of the experience. Yes, he learned how to make money from this, but if you listen to him, you'll hear that he genuinely wants to help people.  It's great that you don't need his help, but there's no need to dismiss him just because he offers something you don't need. [/quote]

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