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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, we've never really been in debt since we quickly paid down student loans, bought a house we could easily afford, only buy used cars, etc. [/quote]m

Well yeah. Of course he is in this to make money for himself. Isn't that why everyone works? Providing a service is his job - for money of course! Sheesh. [/quote]

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