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			{{Short description\|American financial advisor, author and radio personality}}
	]'''Dave Ramsey''' (b. ]) is a ] nationally-syndicated ] host of ''The Dave Ramsey Show''. His ] program is heard on over 250 stations throughout the ] as of June ]. His show is based on "Life, Love, and the Pursuit of Piles of Cash," taking calls live from 1-4 CST (2-5 EST) on air. He teaches people how to get out of ], build ], and everything in between. His radio program has been on since ]. He has over two million listeners.
			{{similar names\|David Ramsey (disambiguation)}}
			{{Distinguish\|Dave Ramsay\|Dave Rumsey (disambiguation)}}
			{{Use mdy dates\|date=January 2022}}
			{{Criticism-section\|date=November 2024}}
			{{Infobox writer
			\| name = Dave Ramsey
			\| image = Dave Ramsey by Gage Skidmore.jpg
			\| caption = Ramsey in 2023
			\| pseudonym =
			\| birth_date = {{Birth date and age\|1960\|9\|3}}<ref>''Dave Ramsey Show'' Newstalk 550 KTSA. San Antonio, Texas. September 3, 2012. Radio.</ref>
			\| birth_place = ], U.S.
			\| death_date =
			\| death_place =
			\| occupation = Personal finance consultant, radio show host, author
			\| period =
			\| subject = Personal finance
			\| notableworks = '']''
			\| movement =
			\| spouse = Sharon Ramsey
			\| children = 3, including ]
			\| relatives =
			\| signature =
			\| alma_mater = ] (])
			\| website = {{URL\|ramseysolutions.com}}
			\| module = {{Infobox person\|child=yes}}
			}}

			'''David Lawrence Ramsey III''' (born September 3, 1960) is an American radio personality who offers financial advice. He is the owner and CEO of Ramsey Solutions and co-hosts the nationally syndicated radio program '']''. Ramsey has written several books, including ] '']'', and hosted a television show on ] from 2007 to 2010.
	He is also a '']'' best-selling author. His most recent books are ''The Total Money Makeover'', and ''Financial Peace, Revisited''. His company, the Lampo Group, Inc., is based in ]. One division of the company is called Financial Peace University or FPU. He is known to be passionate about teaching people to get out of debt, and to avoid the use of ] completely.

	==~~Dave~~ ~~Ramsey's story~~==		==Early life==
			Ramsey was born in ], to successful real estate agents and developers.{{R\|"gospeldave"}} He attended ] where he played ice hockey.{{cn\|date=December 2024}} At age 18, Ramsey took the real estate exam{{R\|"gospeldave"}} and began selling property, working through college at the ],{{R\|"gospeldave"}} where he earned a Bachelor of Science degree in finance and real estate.{{R\|"aboutdave"}}
	Ramsey had a net-worth of over $1 million when he was 26 years old (1986), having built his wealth through investing in real estate, building a portfolio of over $4 millon. His debt led him to declare personal bankruptcy when some of his ] notes began to be called by the banks when the real estate industry went crazy in the late 1980s.

			==Career==
	After losing everything he began to take a hard look at what happened. Learning from his mistakes he began to counsel other people how to avoid bankruptcy and foreclosure on their homes. In 1988 he started The Lampo Group, Inc. He got back into real estate but this time avoided going into personal debt to acquire property. He was back on his feet in a few years. He started his radio program in 1992.
			By 1986, Ramsey had amassed a portfolio worth over $4{{spaces}}million.{{R\|"GRI"}}{{R\|"ocalacrusades"}} However, when the Competitive Equality Banking Act of 1987 took effect, several banks changed ownership and called his $1.2{{spaces}}million in loans and lines of credit because he was over-leveraged.{{R\|"gospeldave"}} Ramsey was unable to pay and filed for bankruptcy in 1988.<ref>{{cite web \|last1=Ramsey \|first1=Dave \|title=Home Page \|url=https://www.ramseysolutions.com/dave-ramsey \|website=www.ramseysolutions.com \|access-date=21 February 2024}}</ref>

			Ramsey experienced several years of financial recovery and began offering financial advice to couples at his local church.{{R\|"ocalacrusades"}} In 1988, he founded the Lampo Group, a financial counseling service,{{R\|"ocalacrusades"}} and in 1992 he wrote and self-published his first book, ''Financial Peace''.{{R\|"GRI"}}{{R\|"gospeldave"}}
	==His company, The Lampo Group, Inc.==
	His company now has about 100 employees (as of September 2005) and is divided into three major divisions: the Broadcast Division, the Financial Peace University Division, and the H.O.P.E. (or product and Live Events) Division. The word lampo, as used in the company name, means "to shine" in ancient greek. The mission statement is listed online as: "The Lampo Group, Inc. is providing Biblically based, common sense education and empowerment which gives HOPE to everyone from the financially secure to the financially distressed." HI! Dave is cool. Heh heh heh heh. Yeah.

			Ramsey began as one of three alternating hosts of ''The Money Game'' on radio station WWTN/Nashville in 1992. The show eventually became ''The Dave Ramsey Show'', Ramsey's daily three-hour call-in financial advice talk show.{{R\|"gospeldave"}}{{R\|"rhof"}}
	====The Broadcast Division====
	This division is made up of The Dave Ramsey Show, the Dave Ramsey Money Minute (featurette), the Web and eBusiness units, and Strategic Alliances.

			Financial Peace University, Ramsey's nine-lesson, video-based personal finance course, debuted in 1994.{{R\|"whisperer"}} The ] newspaper group ran his financial column, though dropped it when the newspaper realized that Ramsey had changed the names on the letters to which he was responding. He offered to pay them their money back.{{R\|"gospeldave"}}'' The Dave Ramsey Show'' aired on the Fox Business Network from 2007 to 2010.
	====Financial Peace University Division====
	This division is built around the FPU product which is a 13-week video based curriculum taught by Dave Ramsey that teaches people how to get out of debt and build wealth. FPU classes are hosted in many various settings including churches, community and civic organization, corporations, schools and even the military. The FPU division also provides personal one-to-one counseling. The FPU material is now available in Spanish as well.

			In 2014, The Lampo Group, Inc. was rebranded as Ramsey Solutions.{{R\|"rebrand"}} The company's headquarters are located in ], and a new 47-acre campus opened there in 2019.{{R\|"millenials"}}
	====The H.O.P.E. Division====

			Ramsey has written five books for adults, three of which were '']'' bestsellers, and six children's books.{{R\|"gospeldave"}} He was inducted into the ] in 2015.{{R\|"rhof"}}
	H.O.P.E. stands for "Helping Other People Excel". It includes the Live Events Department and the Publishing Department; which itself includes a youth resources area - teaching teens about money - and the "Dave Says" weekly newspaper column. Some of his products are available in Spanish as well. The Live Events are based on a 5-hour live teaching done by Dave in cities across America. He does about 14-18 live events a year. They are frequent sell-out events, usually well-attended by 4,000+ people.

			===Teachings===
	==Dave's basic teachings==
			Ramsey advises listeners to reduce debt using the ], where debtors pay off their lowest balances first.{{R\|"timedebt"}}{{R\|"millenials"}} Ramsey opposes the use of credit cards.{{R\|"peoplemag"}} At live shows, he sometimes takes out his wallet to show audiences the "only four pieces of plastic" he carries: A business debit card, a personal debit card, a driver's license, and a concealed-carry permit.{{R\|"gospeldave"}}{{R\|"millenials"}} Ramsey encourages the use of cash and advises families to utilize an ], putting a cash allocation for each month's food, entertainment, and other expenses in separate envelopes and then spending only what is in the envelope.{{R\|"pacificstandard"}} Ramsey encourages people not to take on student loan debt{{R\|"millenials"}} and calls the idea that student loans are required for college "a myth".<ref>{{Cite web\|url=https://www.knoxnews.com/story/entertainment/columnists/dave-ramsey/2019/02/16/parents-shouldnt-co-sign-student-loans-dave-ramsey/2779888002/\|title=Parents shouldn't co-sign student loans\|first=Dave\|last=Ramsey\|website=Knoxville News Sentinel}}</ref>

			==Criticism and controversies==
	First and foremost, Dave Ramsey instructs his listeners to budget! Once they do this they are ready for his "Baby Steps".
			In 2014, '']'' reported that Ramsey had lashed out against former employees he claimed were discussing working conditions at the company on ] and ]. At company staff meetings, Ramsey recounted conversations from a private Facebook group of former employees that he had infiltrated, offered cash rewards for the identities of some members. Once they realized Ramsey had joined the private group, some anonymous Twitter accounts who '''alleged''' to be those workers and tweeted that he "pulled a gun out of a bag to try to teach a lesson about gossip".{{R\|gallowaydeposition}} The incident prompted an increased backlash, a meeting Ramsey set up to confront critics, and the eventual deletion of several of the critical Twitter accounts.{{R\|"dailybeast"}}

			=== Company policies regarding marriage, sex and homosexuality ===
	# Get at least $1,000 cash (emergency fund) in the bank as soon as possible.
			According to a September 2021 lawsuit, when Julie Anne Stamps, a Ramsey Solutions employee on the customer care team, approached her supervisor regarding coming out as a ] in May 2020, the supervisor explained that company policy would not allow Stamps to continue to be employed at Ramsey Solutions. Stamps alleged that her departure from the company was further expedited once the ] June 15, 2020, ruling in '']'' was decided. Ramsey Solutions denies the accusations.{{R\|nbc4stamps}}{{R\|scenestamps}}
	# Pay off all debt ASAP (except the house) using what he calls the "]."
	# Build your emergency fund up to three to six months of living expenses.
	# ] 15 percent of household income into ]s and pre-tax retirement accounts.
	# Save for your kids' college fund(s).
	# Pay off your personal home early.
	# Build ] and give! Invest in ]s and ].

			In July 2020, Caitlin O'Connor, a former Ramsey Solutions employee, filed a federal lawsuit against the company alleging that she was fired for being pregnant and, since she was not married to the baby's father, for violating Ramsey Solutions' employee conduct policies.{{R\|"pregnant"}} On May 27, 2021, O'Connor gave her first interview about the termination and her experience working for Ramsey.{{R\|oconnorinterview}}
	Dave is also very well-known for never borrowing money, since his bankruptcy in the late 1980s, and not using credit cards. One of his most famous maxims is, "Broke is normal. Why be normal?" He has a self-reported "terrible credit score" (because he has no debt for ] to score.)

			On March 10, 2021, featured personality ] left the company, citing "things going on in my personal life ... that are not in line with Ramsey Solutions."{{R\|chrishoganlawsuit}} Hogan's resignation followed a request for his personnel file at Ramsey Solutions during the Caitlin O'Connor case. Before the release of his book ''Everyday Millionaires'', Hogan admitted to several affairs, including one with a co-worker at Ramsey Solutions during his marriage to wife Melissa Hogan.{{R\|hoganleaves}} References to his book and videos are still available on the Ramsey website ({{as of\|2021\|08\|18\|lc=y\|df=US}})<ref> Ramsey</ref> and YouTube channels; however, direct links on the Ramsey Solutions website are replaced with a redirect page for other company resources.
	He talks a lot about what he calls "gazelle intensity," which is basically getting motivated and excited to get out of debt and "change your family tree." People call in during his radio program, especially on ''Debt-free Fridays'' and cut-up their credit cards on air (using a variety of means). These are called ''plastectomies.''

			In May 2021, ] (RNS) obtained recordings of Ramsey mocking employees over the policy and explaining Hogan's 2019 absence as a "rest break" following the affair accusations. Melissa Hogan, Chris Hogan's ex-wife, issued a statement to RNS claiming that the company downplayed Chris's behavior, covered for him, and characterized her behavior as "anger, hyperbole, and drama".{{R\|secretrecordings}}{{R\|bestplacetowork}}
	Ramsey argues that his advice is just plain old common sense "for your dollars and cents." He says the problem is that personal finance is 80 percent behavior and only 20 percent head-knowledge; we know what to do, we just don't do it.

			=== COVID-19 response ===
	''The Dave Ramsey Show'' is broadcast live every day from his studios in ] (1-4 ], 2-5 ]). The radio program is also heard on ] and ], and streamed live free of charge on his ]. One-hour ]s of the show are also available for free, all three hours of the show are available for podcast download for members of his "Totally Money Makeover." He also has an archive of the last 10 radio broadcasts on his website
			In December 2020, a complaint was filed with the Franklin health department alleging that caterers hired for the Ramsey Solutions Christmas party at its company headquarters were instructed not to wear masks or gloves while serving, which the company later confirmed to the local NBC affiliate.{{R\|"nbcmask"}} Ramsey Solutions responded that there was no truth to the complaint.{{R\|"huffpoxmas"}} Earlier in the pandemic, the company remained open after employees tested positive for the virus, ignored recommendations to avoid large gatherings, and hosted a July business conference after the Marriott hotel canceled citing safety concerns.{{R\|"conferencejuly"}}

			On his radio show{{R\|"davecovid"}} and in staff meetings, Ramsey railed against face coverings and other ] precautions, calling them "a sign of fear".{{R\|"rnscovid"}} On his March 2, 2020, show, he mocked concerned ticket holders for his upcoming live events, calling anyone who wanted a refund a "wuss" and insisting that he would attend the "Live Like No One Else" cruise "by my freaking self" if necessary.{{R\|bestplacetowork}}
	Mr. Ramsey has been a frequent guest on many national network and cable TV & radio programs including ''The Today Show'', ], the ] program, ] live, ], etc.

			In February 2021, Ramsey appeared on ], where he said, "I don't believe in ], because if $600 or $1,400 changes your life you were pretty much screwed already. You got other issues going on."{{R\|stimuluschecks}}{{R\|stimulusvideo}}
	A fairly significant proportion of Ramsey's audience is Christian or military, and the small-group seminars offered through his company are often set up through churches or U.S. military. Dave Ramsey ends each radio broadcast by saying, "The only way to true Financial Peace, is to walk daily with the Prince of Peace, Christ Jesus."

			In a December 2021 federal lawsuit, a former employee alleged that Ramsey violated his religious rights by firing him when he took scientifically prescribed precautions against COVID-19. The employee, Brad Amos, stated he was following the ] in protecting others from the virus.<ref name="Dallas"/> The lawsuit said Ramsey ran a "cultlike" environment where employees who worried about the pandemic were accused of "weakness of spirit" and told to pray if they wanted to ward off the virus.<ref>{{cite news \|last1=Cramer \|first1=Maria \|title=Dave Ramsey Fired Employee for Taking Covid Precautions, Suit Says \|url=https://www.nytimes.com/2021/12/14/us/dave-ramsey-lawsuit-covid.html \|website=The New York Times \|date=December 14, 2021 \|access-date=December 15, 2021}}</ref> Ramsey Solutions has denied all accusations and has claimed the suit was "completely false".<ref>{{Cite web \|title=Dave Ramsey fired staffer for taking Covid precautions, ran work environment where masks were 'mocked', lawsuit says \|url=https://www.nbcnews.com/news/us-news/dave-ramsey-fired-staffer-taking-covid-precautions-lawsuit-says-rcna8835 \|access-date=2022-03-22 \|website=NBC News \|date=December 15, 2021 \|language=en}}</ref> In December 2023, A U.S. district judge dismissed the lawsuit, ruling there was no proof of religious discrimination, but in August 2024 the ] overturned the dismissal, allowing the case to proceed.<ref name="Dallas">{{cite news \|last1=Dallas \|first1=Kelsey \|title=Dave Ramsey faces religious discrimination case \|url=https://www.deseret.com/faith/2024/08/12/dave-ramsey-covid-discrimination-case/ \|work=Deseret News \|date=12 August 2024 \|language=en}}</ref>
	==See also==
	*]
	*]
	*]

			===Timeshare exit lawsuit===
	==External links==
			In his teachings, Ramsey has described the timeshare industry as "scummy".<ref name="Hillbilly">{{Cite web \|last=Smietana \|first=Bob \|date=2021-05-27 \|title=Dave Ramsey declares war on timeshare industry: 'You done pissed off the wrong hillbilly' \|url=https://religionnews.com/2021/05/27/dave-ramsey-declares-war-on-timeshare-exit-team-diamond-resorts-pissed-off-wrong-hillbilly/ \|archive-url=https://web.archive.org/web/20210527130955/https://religionnews.com/2021/05/27/dave-ramsey-declares-war-on-timeshare-exit-team-diamond-resorts-pissed-off-wrong-hillbilly/ \|archive-date=2021-05-27 \|access-date=2024-05-05 \|website=Religion News Service \|language=en-US}}</ref> In April 2023 listeners of his show filed a $150 million dollar lawsuit against Ramsey alleging he received $30 million to promote a timeshare exit company who engaged in deceptive practices.<ref name="TimeshareExit">{{Cite news \|last=Bella \|first=Timothy \|date=2023-06-03 \|title=Dave Ramsey promoted a timeshare quick-fix. His listeners called fraud. \|url=https://www.washingtonpost.com/business/2023/06/03/dave-ramsey-timeshare-lawsuit/ \|archive-url=https://web.archive.org/web/20230823060816/https://www.washingtonpost.com/business/2023/06/03/dave-ramsey-timeshare-lawsuit/ \|archive-date=2023-08-23 \|access-date=2024-05-05 \|newspaper=Washington Post}}</ref><ref name="ExitTimeshare">{{Cite web \|last=Smietana \|first=Bob \|date=2023-06-01 \|title=Dave Ramsey sued for $150 million by former fans who followed his timeshare exit advice \|url=https://religionnews.com/2023/06/01/dave-ramsey-sued-for-150-million-by-former-fans-who-followed-his-timeshare-exit-advice/ \|archive-url=https://web.archive.org/web/20231228092244/https://religionnews.com/2023/06/01/dave-ramsey-sued-for-150-million-by-former-fans-who-followed-his-timeshare-exit-advice/ \|archive-date=2023-12-28 \|access-date=2024-05-05 \|website=Religion News Service \|language=en-US}}</ref>
	*
	*
	** (One can listen to the radio program free via audio streaming)
	** (Find a radio station broacasting Ramsey's show)
	** (A ] founded by Ramsey)
	** (Subscription-based Website)
	* (Transcripts)

	==~~Further reading~~==		===Efficacy===
			Critics of Ramsey's core teachings point out that they are often a "one-size-fits-all" approach that disregards income disparities, investment horizon, and ignores financial emergencies.<ref>{{Cite web \|last=Chang \|first=David \|date=2022-10-29 \|title=3 Reasons Not to Listen to Dave Ramsey \|url=https://www.fool.com/the-ascent/personal-finance/articles/3-reasons-not-to-listen-to-dave-ramsey/ \|access-date=2023-08-11 \|website=www.fool.com \|language=en}}</ref>{{R\|"pacificstandard"}}{{R\|"millenials"}} The debt snowball method is frequently debated, and studies have returned results that both support and oppose its efficacy.{{R\|"forbessnowball"}}<ref>{{Cite web\|url=https://www.bu.edu/questrom/2017/01/05/paying-back-those-swipes/\|title=Paying Down Credit Card Debt \| Questrom School of Business\|website=www.bu.edu}}</ref> Ramsey's investing advice has also drawn criticism over its reliance on stock investment, as opposed to bonds, using mutual funds with load fees, and its frequent claim of 12% annual returns on investments.{{R\|"nytstock"}}{{R\|"motleyfool"}}{{R\|"loadfund"}}
	* Dave Ramsey, ''The Total Money Makeover''.

	* Dave Ramsey, ''Financial Peace, Revisited''
			==Personal life==
			Ramsey married his wife Sharon in 1982. The Ramseys have three children, including ]. All three work for Ramsey Solutions.{{R\|"millenials"}}

			Ramsey had an estimated net worth of $55 million as of 2018.<ref>{{Cite web \|last=Alberta \|first=Tim \|title=The Financial Whisperer to Trump's America \|url=http://politi.co/2p1KNlz \|access-date=2023-02-04 \|website=POLITICO Magazine \|date=May 8, 2020 \|language=en}}</ref> He sold his custom-built home in the ], area for $10.2{{spaces}}million in 2021 after living there for over a decade. A spokesperson said he was having another home built in the area.<ref>{{Cite web\|date=November 24, 2021\|title=Dave Ramsey Takes a Deep Discount, Sells Franklin, TN, Home for $10.2M\|url=https://www.realtor.com/news/celebrity-real-estate/dave-ramsey-sells-tennessee-mansion/\|access-date=December 17, 2021\|website=Real Estate News & Insights {{!}} realtor.com®\|language=en-US}}</ref>

			Ramsey is an ]{{R\|"millenials"}} who describes himself as ], both fiscally and culturally.{{R\|"ocalacrusades"}}{{R\|"whisperer"}} He has blamed politics for what he considers Americans' economic dependence, and has said presidents should do "as little as possible" about the economy.{{R\|"whisperer"}} Ramsey has publicly stated he would vote for Republican ] in the ], but also plainly said that people should vote for which candidate best aligns with their political values.<ref name="Trump">{{Cite web\|url=https://www.thedailybeast.com/finance-whiz-dave-ramsey-reveals-why-hes-voting-for-trump/\|title=Finance Whiz Dave Ramsey Reveals Why He's Voting for Trump\|date=October 19, 2024\|first1=Lily Mae\|last1=Lazarus\|website=] }}</ref>

			==References==
			{{reflist\|refs=
			<ref name="GRI">{{cite book \| title=Financial Peace Revisited\| last=Ramsey\| first=Dave\|author2=Sharon Ramsey\| year=2003\| page=325\| publisher=Viking Penguin\| location=Harmondsworth, Middlesex, England\| id=0-670-03208-5}}</ref>
			<ref name="aboutdave">{{Cite web\|url=https://www.daveramsey.com/pr/about-dave-ramsey\|title=Check out the latest from Dave Ramsey!\|website=daveramsey.com\|language=en\|access-date=March 30, 2020}}</ref>
			<ref name="ocalacrusades">{{cite web \|last1=Ross Jr. \|first1=Bobby \|title=Christian financial guru crusades against overspending \|url=https://news.google.com/newspapers?nid=1356&dat=20030331&id=VLtNAAAAIBAJ&pg=6793,8240090 \|website=Google News \|publisher=Ocala Star-Banner \|access-date=January 5, 2021 \|archive-url=https://archive.today/20210105211307/https://news.google.com/newspapers?nid=1356&dat=20030331&id=VLtNAAAAIBAJ&pg=6793,8240090 \|archive-date=January 5, 2021 \|page=6C \|date=March 31, 2003}}</ref>
			<ref name="rhof">{{cite web \|title=Dave Ramsey \|url=https://www.radiohalloffame.com/dave-ramsey \|website=Radio Hall of Fame \|access-date=January 5, 2021 \|archive-url=https://archive.today/20210105223800/https://www.radiohalloffame.com/dave-ramsey \|archive-date=January 5, 2021}}</ref>
			<ref name="rebrand">{{cite web \|title=Company History \|url=https://www.daveramsey.com/pr/company-history \|website=daveramsey.com \|access-date=January 6, 2021 \|archive-url=https://archive.today/20210106010619/https://www.daveramsey.com/pr/company-history \|archive-date=January 6, 2021}}</ref>
			<ref name="gospeldave">{{cite web \|last1=Drury \|first1=Susan \|title=The Gospel According to Dave \|url=https://www.nashvillescene.com/news/article/13014787/the-gospel-according-to-dave \|website=Nashville Scene \|access-date=January 6, 2021 \|archive-url=https://archive.today/20210106012206/https://www.nashvillescene.com/news/article/13014787/the-gospel-according-to-dave \|archive-date=January 6, 2021 \|date=May 31, 2007}}</ref>
			<ref name="timedebt">{{cite magazine \|last1=White \|first1=Martha \|title=The Verdict Is In: Tackle Smaller Debts First \|url=https://business.time.com/2012/08/16/the-verdict-is-in-tackle-smaller-debts-first/ \|magazine=] \|access-date=January 6, 2021 \|archive-url=https://archive.today/20130204103245/http://business.time.com/2012/08/16/the-verdict-is-in-tackle-smaller-debts-first/ \|archive-date=February 4, 2013 \|date=August 16, 2012}}</ref>
			<ref name="nytstock">{{cite web \|last1=Carrns \|first1=Ann \|title=Dave Ramsey's 12% Solution \|url=https://bucks.blogs.nytimes.com/2011/05/13/dave-ramseys-12-solution/ \|website=The New York Times \|access-date=January 6, 2021 \|archive-url=https://archive.today/20130104112133/http://bucks.blogs.nytimes.com/2011/05/13/dave-ramseys-12-solution/ \|archive-date=January 4, 2013 \|date=May 13, 2011}}</ref>
			<ref name="motleyfool">{{cite web \|last1=Stoffel \|first1=Brian \|title=Dangerous Retirement Planning Advice From Financial Guru Dave Ramsey \|url=https://www.fool.com/investing/general/2013/06/03/dangerous-retirement-planning-advice-from-financia.aspx \|website=The Motley Fool \|access-date=January 6, 2021 \|archive-url=https://archive.today/20210106025122/https://www.fool.com/investing/general/2013/06/03/dangerous-retirement-planning-advice-from-financia.aspx \|archive-date=January 6, 2021 \|date=June 3, 2013}}</ref>
			<ref name="millenials">{{cite web \|last1=Bahler \|first1=Kristen \|title=Broke Millennials Are Flocking to Financial Guru Dave Ramsey. Is His Advice Any Good? \|url=https://money.com/dave-ramsey-money-debt-free/ \|website=] \|access-date=January 6, 2021 \|archive-url=https://archive.today/20210106032103/https://money.com/dave-ramsey-money-debt-free/ \|archive-date=January 6, 2021 \|date=April 16, 2019}}</ref>
			<ref name="loadfund">{{cite web \|last1=Salmon \|first1=Felix \|title=Save like Dave Ramsey ... Just Don't Invest Like Him? \|url=https://money.com/save-like-dave-ramsey-just-dont-invest-like-him/ \|website=Money\|access-date=February 2, 2021 \|archive-url=https://archive.today/20210212044321/https://money.com/save-like-dave-ramsey-just-dont-invest-like-him/ \|archive-date=February 12, 2021 \|date=September 26, 2013}}</ref>
			<ref name="whisperer">{{cite web \|last1=Alberta \|first1=Tim \|title=The Financial Whisperer to Trump's America \|url=https://www.politico.com/magazine/story/2018/03/11/radio-dave-ramsey-2018-trump-217229 \|website=] \|access-date=January 7, 2021 \|archive-url=https://archive.today/20180311110533/https://www.politico.com/magazine/story/2018/03/11/radio-dave-ramsey-2018-trump-217229 \|archive-date=March 11, 2018}}</ref>
			<ref name="gallowaydeposition">{{cite court \|litigants=THE LAMPO GROUP, LLC, D/B/A RAMSEY SOLUTIONS v. KEVIN HELMUT PAFFRATH, PAFFRATH ORGANIZATION, MEETNDONE CORPORATION \|pinpoint=18 \|court=M.D. Tenn. \|date=29 Oct 2019 \|url=https://archive.org/download/galloway-deposition-in-ramsey-solutions-lawsuit/Galloway_Deposition.pdf}}</ref>
			<ref name="dailybeast">{{cite web \|last1=Turner \|first1=Matthew Paul \|title=Spies, Cash, and Fear: Inside Christian Money Guru Dave Ramsey's Social Media Witch Hunt \|url=https://www.thedailybeast.com/spies-cash-and-fear-inside-christian-money-guru-dave-ramseys-social-media-witch-hunt \|website=The Daily Beast \|access-date=January 7, 2021 \|archive-url=https://archive.today/20200913062057/https://www.thedailybeast.com/spies-cash-and-fear-inside-christian-money-guru-dave-ramseys-social-media-witch-hunt \|archive-date=September 13, 2020 \|date=May 29, 2014}}</ref>
			<ref name="huffpoxmas">{{cite web \|last1=Hale \|first1=Steven \|last2=Jamieson \|first2=Dave \|title=Personal Finance Guru Dave Ramsey Just Threw A Huge Indoor Christmas Party \|url=https://www.huffpost.com/entry/dave-ramsey-christmas-party-coronavirus_n_5fd6b17dc5b663c37597aadf?9px&guccounter=1&guce_referrer=aHR0cHM6Ly93d3cubmJjbmV3cy5jb20v&guce_referrer_sig=AQAAAMDcQLJqfGuCQupqUR0XaC9BXL43OBf6Ee3r3Y84PVGw1dKQt4-NzKj1f91zturJYTtjjtqidmn_t3ZIVXvD9HNfEJo0HMcwLRApJrWQtAv06MWgp0R6m7GHurMClx8SVhEn7mu4Pit_KTleSORr16t_nPPaM1MN5jh6AJhMvgKn \|website=The Huffington Post \|date=December 14, 2020 \|access-date=January 8, 2021 \|archive-url=https://archive.today/20210108224837/https://www.huffpost.com/entry/dave-ramsey-christmas-party-coronavirus_n_5fd6b17dc5b663c37597aadf?9px&guccounter=1&guce_referrer=aHR0cHM6Ly93d3cubmJjbmV3cy5jb20v&guce_referrer_sig=AQAAAMDcQLJqfGuCQupqUR0XaC9BXL43OBf6Ee3r3Y84PVGw1dKQt4-NzKj1f91zturJYTtjjtqidmn_t3ZIVXvD9HNfEJo0HMcwLRApJrWQtAv06MWgp0R6m7GHurMClx8SVhEn7mu4Pit_KTleSORr16t_nPPaM1MN5jh6AJhMvgKn \|archive-date=January 8, 2021}}</ref>
			<ref name="nbcmask">{{cite web \|last1=Finley \|first1=Jeremy \|title=Dave Ramsey's company Christmas party subject of non-mask compliance complaint \|url=https://www.wsmv.com/news/dave-ramsey-s-company-christmas-party-subject-of-non-mask-compliance-complaint/article_292f2928-3bf6-11eb-b335-b703769c2ed4.html \|website=News 4 Nashville \|access-date=January 9, 2021 \|archive-url=https://archive.today/20210109004429/https://www.wsmv.com/news/dave-ramsey-s-company-christmas-party-subject-of-non-mask-compliance-complaint/article_292f2928-3bf6-11eb-b335-b703769c2ed4.html \|archive-date=January 9, 2021 \|date=December 11, 2020}}</ref>
			<ref name="rnscovid">{{cite web \|last1=Smietana \|first1=Bob \|title=Dave Ramsey, Christian personal finance guru, defies COVID-19 to keep staff at desks \|url=https://religionnews.com/2020/12/11/dave-ramsey-christian-financial-guru-ridicules-covid-19-fears-plans-large-in-person-christmas-party/ \|agency=] \|access-date=January 9, 2021 \|archive-url=https://archive.today/20201211232636/https://religionnews.com/2020/12/11/dave-ramsey-christian-financial-guru-ridicules-covid-19-fears-plans-large-in-person-christmas-party/ \|archive-date=December 11, 2020 \|date=December 11, 2020}}</ref>
			<ref name="davecovid">{{cite web \|last1=Ramsey \|first1=Dave \|title=This Has Gotten Out of Hand! – Dave Ramsey Rant \|url=https://www.youtube.com/watch?v=6SRorZx3NYo&ab_channel=TheDaveRamseyShow \|website=The Dave Ramsey Show – YouTube \|access-date=January 9, 2021 \|archive-url=https://archive.today/20210109014653/https://www.youtube.com/watch?v=6SRorZx3NYo&ab_channel=TheDaveRamseyShow \|archive-date=January 9, 2021 \|date=November 19, 2020}}</ref>
			<ref name="conferencejuly">{{cite web \|last1=Hale \|first1=Steven \|title=Dave Ramsey to Host Business Conference in Franklin as COVID-19 Cases Rise \|url=https://www.nashvillescene.com/news/pith-in-the-wind/article/21139509/dave-ramsey-to-host-business-conference-in-franklin-as-covid19-cases-rise \|website=Nashville Scene \|access-date=January 9, 2021 \|archive-url=https://archive.today/20200708183712/https://www.nashvillescene.com/news/pith-in-the-wind/article/21139509/dave-ramsey-to-host-business-conference-in-franklin-as-covid19-cases-rise \|archive-date=July 8, 2020 \|date=July 8, 2020}}</ref>
			<ref name="peoplemag">{{cite web \|last1=Grisby \|first1=Lorna \|title=Digging Out of Debt \|url=https://people.com/archive/digging-out-of-debt-vol-47-no-6/ \|website=] \|access-date=January 16, 2021 \|archive-url=https://archive.today/20210116192216/https://people.com/archive/digging-out-from-under-vol-32-no-19/ \|archive-date=January 16, 2021 \|date=February 17, 1997}}</ref>
			<ref name="pacificstandard">{{cite web \|authorlink = Helaine Olen\|last1=Olen \|first1=Helaine \|title=The Prophet \|url=https://psmag.com/social-justice/prophet-dave-ramsey-personal-finance-67269 \|website=Pacific Standard \|access-date=January 16, 2021 \|archive-url=https://archive.today/20210116202200/https://psmag.com/social-justice/prophet-dave-ramsey-personal-finance-67269 \|archive-date=January 16, 2021 \|date=October 28, 2013}}</ref>
			<ref name="forbessnowball">{{cite web \|last1=Berger \|first1=Rob \|title=Debt Snowball Versus Debt Avalanche: What The Academic Research Shows \|url=https://www.forbes.com/sites/robertberger/2017/07/20/debt-snowball-versus-debt-avalanche-what-the-academic-research-shows/?sh=46f21f141454 \|website=Forbes.com \|access-date=January 16, 2021 \|archive-url=https://archive.today/20210116223719/https://www.forbes.com/sites/robertberger/2017/07/20/debt-snowball-versus-debt-avalanche-what-the-academic-research-shows/?sh=2e38aa7b1454 \|archive-date=January 16, 2021 \|date=July 20, 2017}}</ref>
			<ref name="pregnant">{{cite web \|last1=West \|first1=Emily R. \|title=Lawsuit: Former Ramsey Solutions employee alleges firing over pregnancy \|url=https://www.tennessean.com/story/news/local/williamson/2020/07/21/ramsey-solutions-lawsuit-caitlin-oconnor-franklin-tn/5482489002/ \|website=Tennessean \|access-date=January 17, 2021 \|archive-url=https://archive.today/20200722021304/https://www.tennessean.com/story/news/local/williamson/2020/07/21/ramsey-solutions-lawsuit-caitlin-oconnor-franklin-tn/5482489002/ \|archive-date=July 22, 2020 \|date=July 21, 2020}}</ref>
			<ref name="stimuluschecks">{{cite web \|last1=Lonas \|first1=Lexi \|title=Dave Ramsey on stimulus checks: 'If $600 or $1,400 changes your life, you were pretty much screwed already' \|url=https://thehill.com/homenews/news/538549-dave-ramsey-on-stimulus-checks-if-600-or-1400-changes-your-life-you-were-pretty \|website=The Hill \|access-date=February 23, 2021 \|archive-url=https://archive.today/20210213110442/https://thehill.com/homenews/news/538549-dave-ramsey-on-stimulus-checks-if-600-or-1400-changes-your-life-you-were-pretty \|archive-date=February 13, 2021 \|date=February 11, 2021}}</ref>
			<ref name="stimulusvideo">{{cite web \|title=If a $600 Stimulus Check Changes Your Life, Then You're Already Screwed! \|url=https://www.youtube.com/watch?v=bQUA1_Nm3Nc&ab_channel=TheRamseyShow-Highlights \|website=The Ramsey Show on Youtube \| date=February 11, 2021 \|access-date=February 24, 2021}}</ref>
			<ref name="chrishoganlawsuit">{{cite news \|last1=Finley \|first1=Jeremy \|title=Lawsuit alleges Dave Ramsey's company fired/disciplined employees for premarital sex \|url=https://www.wbir.com/article/news/crime/lawsuit-alleges-dave-ramseys-company-fireddisciplined-employees-for-premarital-sex/51-04c3e9c1-e0b6-4218-8d02-ae44102c1d16 \|website=WBIR.com \|access-date=April 15, 2021 \|archive-url=https://archive.today/20210415180158/https://www.wbir.com/article/news/crime/lawsuit-alleges-dave-ramseys-company-fireddisciplined-employees-for-premarital-sex/51-04c3e9c1-e0b6-4218-8d02-ae44102c1d16 \|archive-date=April 15, 2021 \|date=March 11, 2021}}</ref>
			<ref name="hoganleaves">{{cite web \|last1=Smietana \|first1=Bob \|title=Chris Hogan, retirement expert and Dave Ramsey protégé, departs Ramsey Solutions \|url=https://religionnews.com/2021/03/10/chris-hogan-retirement-dave-ramsey-everyday-millionaire-righteous-living/ \|agency=Religion News Service \|access-date=April 15, 2021 \|archive-url=https://archive.today/20210415180633/https://religionnews.com/2021/03/10/chris-hogan-retirement-dave-ramsey-everyday-millionaire-righteous-living/ \|archive-date=April 15, 2021 \|date=March 10, 2021}}</ref>
			<ref name="secretrecordings">{{cite web \|last1=Finley \|first1=Jeremy \|title=Secretly recorded audio of Dave Ramsey reveals question of double standards in company \|url=https://www.wsmv.com/news/investigations/secretly-recorded-audio-of-dave-ramsey-reveals-question-of-double-standards-in-company/article_292f40ba-bc6c-11eb-a6b1-83cffea1f66c.html \|website=News 4 Nashville \|access-date=May 25, 2021 \|archive-url=https://archive.today/20210525190622/https://www.wsmv.com/news/investigations/secretly-recorded-audio-of-dave-ramsey-reveals-question-of-double-standards-in-company/article_292f40ba-bc6c-11eb-a6b1-83cffea1f66c.html \|archive-date=May 25, 2021 \|date=May 24, 2021}}</ref>
			<ref name="bestplacetowork">{{cite web \|last1=Smietana \|first1=Bob \|title=Is Dave Ramsey's empire the 'best place to work in America'? Say no and you're out \|url=https://religionnews.com/2021/01/15/dave-ramsey-is-tired-of-being-called-a-jerk-for-his-stands-on-sex-and-covid/ \|agency=Religion News Service \|access-date=May 25, 2021 \|archive-url=https://archive.today/20210130160737/https://religionnews.com/2021/01/15/dave-ramsey-is-tired-of-being-called-a-jerk-for-his-stands-on-sex-and-covid/ \|archive-date=January 30, 2021 \|date=January 15, 2021}}</ref>
			<ref name="oconnorinterview">{{cite web \|last1=Finley \|first1=Jeremy \|title='It's Like Leaving the Cult': Former employee suing Dave Ramsey speaks out for the first time \|url=https://www.wsmv.com/news/former-employee-suing-dave-ramsey-speaks-out-for-the-first-time/article_217b07b2-bf2f-11eb-9652-57dc68819abf.html \|website=News 4 Nashville \|access-date=June 3, 2021 \|archive-url=https://archive.today/20210603132552/https://www.wsmv.com/news/former-employee-suing-dave-ramsey-speaks-out-for-the-first-time/article_217b07b2-bf2f-11eb-9652-57dc68819abf.html \|archive-date=June 3, 2021 \|date=May 27, 2021}}</ref>
			<ref name="nbc4stamps">{{cite web \|last1=Morris \|first1=Chuck \|title=Woman sues Dave Ramsey company after being fired for coming out as lesbian \|url=https://www.wsmv.com/news/williamson_county/woman-sues-dave-ramsey-company-after-being-fired-for-coming-out-as-lesbian/article_d390bd02-2235-11ec-9609-dbbc218ce53d.html \|website=News 4 Nashville \|access-date=October 16, 2021 \|archive-url=https://archive.today/20211016164858/https://www.wsmv.com/news/williamson_county/woman-sues-dave-ramsey-company-after-being-fired-for-coming-out-as-lesbian/article_d390bd02-2235-11ec-9609-dbbc218ce53d.html \|archive-date=October 16, 2021 \|date=September 30, 2021}}</ref>
			<ref name="scenestamps">{{cite news \|last1=Hale \|first1=Steven \|title=Former Ramsey Solutions Employee Says She Was Fired for Coming Out as a Lesbian \|url=https://www.nashvillescene.com/news/pithinthewind/former-ramsey-solutions-employee-says-she-was-fired-for-coming-out-as-a-lesbian/article_355c4182-2209-11ec-97a0-b7385fc00be6.html \|website=Nashville Scene \|access-date=October 16, 2021 \|archive-url=https://archive.today/20211016165153/https://www.nashvillescene.com/news/pithinthewind/former-ramsey-solutions-employee-says-she-was-fired-for-coming-out-as-a-lesbian/article_355c4182-2209-11ec-97a0-b7385fc00be6.html \|archive-date=October 16, 2021 \|date=September 30, 2021}}</ref>
			}}

			==External links==
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Latest revision as of 01:37, 31 December 2024

American financial advisor, author and radio personality For other people with similar names, see David Ramsey (disambiguation). Not to be confused with Dave Ramsay or Dave Rumsey (disambiguation).

This article's "criticism" or "controversy" section may compromise the article's neutrality. Please help rewrite or integrate negative information to other sections through discussion on the talk page. (November 2024)

Dave Ramsey
Ramsey in 2023
Born	(1960-09-03) September 3, 1960 (age 64) Antioch, Tennessee, U.S.
Occupation	Personal finance consultant, radio show host, author
Alma mater	University of Tennessee (BS)
Subject	Personal finance
Notable works	The Total Money Makeover
Spouse	Sharon Ramsey
Children	3, including Rachel Cruze

Website
ramseysolutions.com

David Lawrence Ramsey III (born September 3, 1960) is an American radio personality who offers financial advice. He is the owner and CEO of Ramsey Solutions and co-hosts the nationally syndicated radio program The Ramsey Show. Ramsey has written several books, including The New York Times bestseller The Total Money Makeover, and hosted a television show on Fox Business from 2007 to 2010.

Early life

Ramsey was born in Antioch, Tennessee, to successful real estate agents and developers. He attended Antioch High School where he played ice hockey. At age 18, Ramsey took the real estate exam and began selling property, working through college at the University of Tennessee, Knoxville, where he earned a Bachelor of Science degree in finance and real estate.

Career

By 1986, Ramsey had amassed a portfolio worth over $4 million. However, when the Competitive Equality Banking Act of 1987 took effect, several banks changed ownership and called his $1.2 million in loans and lines of credit because he was over-leveraged. Ramsey was unable to pay and filed for bankruptcy in 1988.

Ramsey experienced several years of financial recovery and began offering financial advice to couples at his local church. In 1988, he founded the Lampo Group, a financial counseling service, and in 1992 he wrote and self-published his first book, Financial Peace.

Ramsey began as one of three alternating hosts of The Money Game on radio station WWTN/Nashville in 1992. The show eventually became The Dave Ramsey Show, Ramsey's daily three-hour call-in financial advice talk show.

Financial Peace University, Ramsey's nine-lesson, video-based personal finance course, debuted in 1994. The Gannett newspaper group ran his financial column, though dropped it when the newspaper realized that Ramsey had changed the names on the letters to which he was responding. He offered to pay them their money back. The Dave Ramsey Show aired on the Fox Business Network from 2007 to 2010.

In 2014, The Lampo Group, Inc. was rebranded as Ramsey Solutions. The company's headquarters are located in Franklin, Tennessee, and a new 47-acre campus opened there in 2019.

Ramsey has written five books for adults, three of which were New York Times bestsellers, and six children's books. He was inducted into the National Radio Hall of Fame in 2015.

Teachings

Ramsey advises listeners to reduce debt using the debt snowball method, where debtors pay off their lowest balances first. Ramsey opposes the use of credit cards. At live shows, he sometimes takes out his wallet to show audiences the "only four pieces of plastic" he carries: A business debit card, a personal debit card, a driver's license, and a concealed-carry permit. Ramsey encourages the use of cash and advises families to utilize an envelope system, putting a cash allocation for each month's food, entertainment, and other expenses in separate envelopes and then spending only what is in the envelope. Ramsey encourages people not to take on student loan debt and calls the idea that student loans are required for college "a myth".

Criticism and controversies

In 2014, The Daily Beast reported that Ramsey had lashed out against former employees he claimed were discussing working conditions at the company on Facebook and Twitter. At company staff meetings, Ramsey recounted conversations from a private Facebook group of former employees that he had infiltrated, offered cash rewards for the identities of some members. Once they realized Ramsey had joined the private group, some anonymous Twitter accounts who alleged to be those workers and tweeted that he "pulled a gun out of a bag to try to teach a lesson about gossip". The incident prompted an increased backlash, a meeting Ramsey set up to confront critics, and the eventual deletion of several of the critical Twitter accounts.

Company policies regarding marriage, sex and homosexuality

According to a September 2021 lawsuit, when Julie Anne Stamps, a Ramsey Solutions employee on the customer care team, approached her supervisor regarding coming out as a lesbian in May 2020, the supervisor explained that company policy would not allow Stamps to continue to be employed at Ramsey Solutions. Stamps alleged that her departure from the company was further expedited once the United States Supreme Court June 15, 2020, ruling in Bostock v. Clayton County was decided. Ramsey Solutions denies the accusations.

In July 2020, Caitlin O'Connor, a former Ramsey Solutions employee, filed a federal lawsuit against the company alleging that she was fired for being pregnant and, since she was not married to the baby's father, for violating Ramsey Solutions' employee conduct policies. On May 27, 2021, O'Connor gave her first interview about the termination and her experience working for Ramsey.

On March 10, 2021, featured personality Chris Hogan left the company, citing "things going on in my personal life ... that are not in line with Ramsey Solutions." Hogan's resignation followed a request for his personnel file at Ramsey Solutions during the Caitlin O'Connor case. Before the release of his book Everyday Millionaires, Hogan admitted to several affairs, including one with a co-worker at Ramsey Solutions during his marriage to wife Melissa Hogan. References to his book and videos are still available on the Ramsey website (as of August 18, 2021) and YouTube channels; however, direct links on the Ramsey Solutions website are replaced with a redirect page for other company resources.

In May 2021, Religion News Service (RNS) obtained recordings of Ramsey mocking employees over the policy and explaining Hogan's 2019 absence as a "rest break" following the affair accusations. Melissa Hogan, Chris Hogan's ex-wife, issued a statement to RNS claiming that the company downplayed Chris's behavior, covered for him, and characterized her behavior as "anger, hyperbole, and drama".

COVID-19 response

In December 2020, a complaint was filed with the Franklin health department alleging that caterers hired for the Ramsey Solutions Christmas party at its company headquarters were instructed not to wear masks or gloves while serving, which the company later confirmed to the local NBC affiliate. Ramsey Solutions responded that there was no truth to the complaint. Earlier in the pandemic, the company remained open after employees tested positive for the virus, ignored recommendations to avoid large gatherings, and hosted a July business conference after the Marriott hotel canceled citing safety concerns.

On his radio show and in staff meetings, Ramsey railed against face coverings and other COVID-19 precautions, calling them "a sign of fear". On his March 2, 2020, show, he mocked concerned ticket holders for his upcoming live events, calling anyone who wanted a refund a "wuss" and insisting that he would attend the "Live Like No One Else" cruise "by my freaking self" if necessary.

In February 2021, Ramsey appeared on Fox News, where he said, "I don't believe in stimulus checks, because if $600 or $1,400 changes your life you were pretty much screwed already. You got other issues going on."

In a December 2021 federal lawsuit, a former employee alleged that Ramsey violated his religious rights by firing him when he took scientifically prescribed precautions against COVID-19. The employee, Brad Amos, stated he was following the Golden Rule in protecting others from the virus. The lawsuit said Ramsey ran a "cultlike" environment where employees who worried about the pandemic were accused of "weakness of spirit" and told to pray if they wanted to ward off the virus. Ramsey Solutions has denied all accusations and has claimed the suit was "completely false". In December 2023, A U.S. district judge dismissed the lawsuit, ruling there was no proof of religious discrimination, but in August 2024 the United States Court of Appeals for the Sixth Circuit overturned the dismissal, allowing the case to proceed.

Timeshare exit lawsuit

In his teachings, Ramsey has described the timeshare industry as "scummy". In April 2023 listeners of his show filed a $150 million dollar lawsuit against Ramsey alleging he received $30 million to promote a timeshare exit company who engaged in deceptive practices.

Efficacy

Critics of Ramsey's core teachings point out that they are often a "one-size-fits-all" approach that disregards income disparities, investment horizon, and ignores financial emergencies. The debt snowball method is frequently debated, and studies have returned results that both support and oppose its efficacy. Ramsey's investing advice has also drawn criticism over its reliance on stock investment, as opposed to bonds, using mutual funds with load fees, and its frequent claim of 12% annual returns on investments.

Personal life

Ramsey married his wife Sharon in 1982. The Ramseys have three children, including Rachel Cruze. All three work for Ramsey Solutions.

Ramsey had an estimated net worth of $55 million as of 2018. He sold his custom-built home in the Nashville, Tennessee, area for $10.2 million in 2021 after living there for over a decade. A spokesperson said he was having another home built in the area.

Ramsey is an evangelical Christian who describes himself as conservative, both fiscally and culturally. He has blamed politics for what he considers Americans' economic dependence, and has said presidents should do "as little as possible" about the economy. Ramsey has publicly stated he would vote for Republican Donald Trump in the 2024 presidential election, but also plainly said that people should vote for which candidate best aligns with their political values.

References

Dave Ramsey Show Newstalk 550 KTSA. San Antonio, Texas. September 3, 2012. Radio.
^ Drury, Susan (May 31, 2007). "The Gospel According to Dave". Nashville Scene. Archived from the original on January 6, 2021. Retrieved January 6, 2021.
"Check out the latest from Dave Ramsey!". daveramsey.com. Retrieved March 30, 2020.
^ Ramsey, Dave; Sharon Ramsey (2003). Financial Peace Revisited. Harmondsworth, Middlesex, England: Viking Penguin. p. 325. 0-670-03208-5.
^ Ross Jr., Bobby (March 31, 2003). "Christian financial guru crusades against overspending". Google News. Ocala Star-Banner. p. 6C. Archived from the original on January 5, 2021. Retrieved January 5, 2021.
Ramsey, Dave. "Home Page". www.ramseysolutions.com. Retrieved February 21, 2024.
^ "Dave Ramsey". Radio Hall of Fame. Archived from the original on January 5, 2021. Retrieved January 5, 2021.
^ Alberta, Tim. "The Financial Whisperer to Trump's America". Politico. Archived from the original on March 11, 2018. Retrieved January 7, 2021.
"Company History". daveramsey.com. Archived from the original on January 6, 2021. Retrieved January 6, 2021.
^ Bahler, Kristen (April 16, 2019). "Broke Millennials Are Flocking to Financial Guru Dave Ramsey. Is His Advice Any Good?". Money. Archived from the original on January 6, 2021. Retrieved January 6, 2021.
White, Martha (August 16, 2012). "The Verdict Is In: Tackle Smaller Debts First". Time. Archived from the original on February 4, 2013. Retrieved January 6, 2021.
Grisby, Lorna (February 17, 1997). "Digging Out of Debt". People. Archived from the original on January 16, 2021. Retrieved January 16, 2021.
^ Olen, Helaine (October 28, 2013). "The Prophet". Pacific Standard. Archived from the original on January 16, 2021. Retrieved January 16, 2021.
Ramsey, Dave. "Parents shouldn't co-sign student loans". Knoxville News Sentinel.
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Hale, Steven (September 30, 2021). "Former Ramsey Solutions Employee Says She Was Fired for Coming Out as a Lesbian". Nashville Scene. Archived from the original on October 16, 2021. Retrieved October 16, 2021.
West, Emily R. (July 21, 2020). "Lawsuit: Former Ramsey Solutions employee alleges firing over pregnancy". Tennessean. Archived from the original on July 22, 2020. Retrieved January 17, 2021.
Finley, Jeremy (May 27, 2021). "'It's Like Leaving the Cult': Former employee suing Dave Ramsey speaks out for the first time". News 4 Nashville. Archived from the original on June 3, 2021. Retrieved June 3, 2021.
Finley, Jeremy (March 11, 2021). "Lawsuit alleges Dave Ramsey's company fired/disciplined employees for premarital sex". WBIR.com. Archived from the original on April 15, 2021. Retrieved April 15, 2021.
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Search Ramsey
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Finley, Jeremy (December 11, 2020). "Dave Ramsey's company Christmas party subject of non-mask compliance complaint". News 4 Nashville. Archived from the original on January 9, 2021. Retrieved January 9, 2021.
Hale, Steven; Jamieson, Dave (December 14, 2020). "Personal Finance Guru Dave Ramsey Just Threw A Huge Indoor Christmas Party". The Huffington Post. Archived from the original on January 8, 2021. Retrieved January 8, 2021.
Hale, Steven (July 8, 2020). "Dave Ramsey to Host Business Conference in Franklin as COVID-19 Cases Rise". Nashville Scene. Archived from the original on July 8, 2020. Retrieved January 9, 2021.
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