Anyone on here listeners of Daves? Anyone follow his advice or 7 babystep plan?

Good start to "financial well being".

2nd

Yup I listen. We were making good progress on the baby steps until my health got in the way. Only debt I have is my 2 credit cards. In the next few weeks i plan to pay one off and a good chunk on the other.

I listen when I can. Good guy

Not really.

I do enjoy listening to the Stacking Benjamin's podcast. Good well rounded advice. 2 kind of funny dorky Michigan guys.

I enjoy listening to him almost daily. I hope following his plan will have me set up for an early retirement, or atleast only have to work seasonally

I gave all my kids copies of his book automatic millionaire, they may not follow it all but it has helped them with some planning for the future. Ages 18 to 26

He helped us become 100% debt free including our home - in 2010. It is a wonderful, wonderful feeling. And yes, the grass feels different between your toes. That being said, 4 years later we did buy our farm and build our new home thus taking on some mortgage dept. , which we are eliminating as fast as possible. His basics are very good. I am not a fan of his investing philosophy - but that's just personal. I also think a person should have a credit card for online purchases, gas purchases, etc. Using a debit card is ok, but if scammers get it they will clean out your bank acct. With a credit card, you dispute it and get a new card. To sum it up, If you stick to his plan - you will be debt free before you know it. Good luck!

He got replaced by the Clark Howard show here

Good show for a lot of people. Most of his advice was good the few times I listened to him.

Its sad that they don't teach financial responsibility in schools, let alone how to balance a check book fill out tax returns or even apply for college aide/grants

They are both good shows.
I've been debt free for a few years now, but I think we'll buy a Subaru for my wife and take a loan at around 3%. Too little difference to cash in cds and not ready to take money out the market.

Most of what Ramsey touts my folks fed me when I had some folding money of my own. Granted they weren't as smart in my 20's as they had become in my 30's. Ramsey's delivery is pretty easy to take.

Yea we are not 100 percent following him by the book, but are trying to pay what we can on debts smallest to largest. All we owe now are the wife’s school and our mortgage, and the last baby’s hospital bills from delivery but we haven’t gotten those bills yet. I also agree that a credit card isn’t bad if your responsible, ive had mine for probably 5 years now and have never paid a cent in interest. I always pay the whole bill every month

he and Clark Howard are worth listening to

"Never spend money before you've earned it" - Thomas Jefferson....Remember that, and also remember a banker is not your friend, use common sense, and the rest will take care of itself.

If all these talking financial heads really had the answer they wouldn't bother wasting time trying to make money off you, they would be to busy making themselves even more money
implementing their impeccable plan.... Because they have all the answers, right?.. Wrong.

For me Clark H beats Dave Ramsey hands down.

I have trouble with Ramsey claiming that he has made 12% on his investments ever year he has been in the stock market. He also promotes paying off smallest debts first. I have also heard him say he never buys anything but that he pays cash, never has to use credit. He claims he has no debt but then endorses a life insurance company to cover debt. He also has made a fortune by having people join his "Peace University ".

Clark Howard's website has a wealth of information either from Clark or his crew. He also covers a wider view of financial subjects such as investing, borrowing, credit, spending and many other subjects.

My opinion.

The snowball method, or paying your smallest debt off first, wouldn't even be necessary if you never got into debt....You should see this guys house down in Franklin, Tn.
He's authored 5 books that I'm aware of, how in the world does he have time to write 5 books when he could be making even more money supposedly?

Could he be a slick tongued con man?

I'm a big fan of Dave Ramsey. I catch him whenever I can.

Here's Ramsey's modest home...Must have sold a lot of books, Lol....Just having fun, I'll get of him now, I know some of you like him....Pick your poison as they say.