Dave Ramsey is a personal money management expert, popular national radio personality and the author of three New York Times bestsellers - The Total Money Makeover, Financial Peace Revisited and More Than Enough. In them, Dave Ramsey exemplifies his life's work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others. Dave Ramsey knows first-hand what financial peace means in his own life, having lived living a true rags-to-riches to rags-to-riches story. By age 26 he had established a $4,000,000 real estate portfolio, only to lose it by age 30. Dave Ramsey has since rebuilt his financial life and now devotes himself full-time to helping ordinary people understand the forces behind their financial distress and how to set things right - financially, emotionally and spiritually. Dave Ramsey offers life-changing financial advice as host of a nationally syndicated radio program, "The Dave Ramsey Show," which is heard by three million listeners each week on more than 300 radio stations throughout the United States. Dave Ramsey's syndicated column, "Dave Says" currently has a circulation of more than 5,000,000 in publications worldwide. Dave Ramsey is the creator of Financial Peace University (FPU), a 13-week program that helps people dump debt, get control of their money and learn new behaviors with money that are founded on commitment and accountability. More than 260,000 families have attended FPU classes at their workplace, church, military base, nonprofit organization or community group. The average family pays off $5,300 in debt and saves $2,700 in the first 91 days after beginning FPU and is completely our of debt - except for their mortgage - in just 18 to 24 months. Dave Ramsey created a group of products in an effort to teach children about money before they have a chance to make mistakes. Financial Peace for the Next Generation is an all-inclusive school curriculum that is currently in more than 1,500 schools across the country. Financial Peace Jr. is an instructional kit designed to help parents teach their young children about working, saving and giving their money. Through Dave Ramsey's entertaining children's book series, The Super Red Racer, Careless at the Carnival, The Big Birthday Surprise, My Fantastic Fieldtrip, A Special Thank You and Battle of the Chores, children learn about working, saving, giving and spending money. Dave Ramsey earned his Bachelor of Science degree in Finance and Real Estate from the University of Tennessee. A frequent speaker around the country at large-scale live events, Dave Ramsey is a passionate and inspiring presenter who is at ease on both sides of the mic. More than 500,000 people have attended Dave Ramsey's live events. Dave Ramsey resides with his wife, Sharon, and their three children, Denise, Rachel, and Daniel, in Nashville, Tennessee. http://www.townhall.com/columnists/DaveRamsey http://media.townhall.com/TownHall/icons/TH-feed-icon-128x128.gif http://www.townhall.com/columnists/DaveRamsey TownHall.com, Where your opinion counts. 128 Copyright (c) 2009 Townhall.com, A Salem Communications Web. ALL RIGHTS RESERVED jim.dearras@townhall.com (Jim De Arras) Mon, 21 Dec 2009 17:26:32 GMT Mon, 21 Dec 2009 17:26:32 GMT http://blogs.law.harvard.edu/tech/rss RSS.NET: http://www.rssdotnet.com/ Dear Dave, I have a small business with 17 people in the main office and another 44 mobile techs in the field. We had a merger last year, and although we've overcome rivalries and other difficulties, gossip is a huge... http://www.townhall.com/columnists/DaveRamsey/2009/12/21/dave_says_creating_a_no-gossip_culture 18fd51b8-4774-4452-9226-31eb1b12f054 Mon, 21 Dec 2009 17:26:32 GMT Dear Dave, My husband and I are looking at getting a second vehicle. We found one we like, and it's in great shape, but they're asking more than we can afford to pay. Do you have any suggestions on how to make a low... http://www.townhall.com/columnists/DaveRamsey/2009/12/21/dave_says_how_do_i_make_a_lowball_offer cdd86a5b-91db-4ca2-8c93-cb4187a62279 Mon, 21 Dec 2009 17:24:17 GMT Dear Dave, I'm shopping around for a new bank, because my current big bank has gone fee-crazy. They want $15 to tell me my mortgage payoff amount. Besides asking about fees, do you have any other advice when it comes... http://www.townhall.com/columnists/DaveRamsey/2009/12/09/dave_says_what_do_you_look_for_in_a_bank d5d82965-4c84-4908-9c60-adaf28745b27 Wed, 09 Dec 2009 19:49:22 GMT Dear Dave, We've been getting on track financially using your plan, but now my husband's parents wants us to co-sign on a new car. I think it's a bad idea, and have asked him to not do this. We're just on Baby Step... http://www.townhall.com/columnists/DaveRamsey/2009/12/09/dave_says_don't_jeopardize_your_marriage_with_co-signing! 17702382-1b51-4157-ab48-2c66571e4430 Wed, 09 Dec 2009 19:46:01 GMT Is consolidation a smart move? Dear Dave, I've got my beginner's emergency fund in place, and I'm close to wiping out my consumer loan debt. I still have about $32,000 in debt from six different... http://www.townhall.com/columnists/DaveRamsey/2009/12/01/dave_says_december_1,_2009 bdd22cdf-9470-4719-8a55-ecb439795412 Tue, 01 Dec 2009 15:58:39 GMT Dear Dave, Can you please explain how a home equity loan works? Do you ever recommend them? --Patti Dear Patti, It's simple. A home equity loan is a second mortgage. You're borrowing money against your house.... http://www.townhall.com/columnists/DaveRamsey/2009/11/24/dave_says_does_dave_recommend_home_equity_lines fd4049eb-cc1a-403a-8913-0a48ae7dcc73 Tue, 24 Nov 2009 05:01:00 GMT Dear Dave, My wife and I are both in our mid-thirties, and the only debt we have is $14,000 in credit cards, student loans and a car payment. We've got $40,000 in our 401(k) plans, plus we have no children. What... http://www.townhall.com/columnists/DaveRamsey/2009/11/24/dave_says_laying_a_foundation d41b0716-0da6-4422-89b1-a774db9151e1 Tue, 24 Nov 2009 05:01:00 GMT Dear Dave, My wife and I make about $85,000 a year. We're debt-free, and we have no kids. We'd like to start saving money to buy some land in the near future. What percentage of our savings should we put toward this?... http://www.townhall.com/columnists/DaveRamsey/2009/11/17/dave_says_how_much_income_do_i_put_toward_buying_land 40ea39bf-d1fa-4e53-904f-c458b18bf23f Tue, 17 Nov 2009 19:10:04 GMT Dear Dave, I've heard you talk about something you call The Legacy Drawer. What exactly is this, and what goes into it? --Lisa Dear Lisa, One of the best ways I know to tell your family how much you love them... http://www.townhall.com/columnists/DaveRamsey/2009/11/17/dave_says_breaking_down_the_legacy_drawer dcf4ca43-9a81-4314-b0eb-6464035a7c8c Tue, 17 Nov 2009 19:02:11 GMT Dear Dave, When does reaching the point of being debt-free become more important than marriage? We're following your plan and doing the debt snowball, but my husband's been working a second job, and it's really... http://www.townhall.com/columnists/DaveRamsey/2009/11/09/dave_says_debt_freedom_more_important_than_marriage f87677b9-04c8-4c6c-9b72-7dc9351c5789 Mon, 09 Nov 2009 17:50:58 GMT Dear Dave, How do you balance ambition with contentment? Fran Dear Fran, This is a really good question! To be honest, I don't believe they require balance. You thought ambition was the opposite of... http://www.townhall.com/columnists/DaveRamsey/2009/11/09/dave_says_balancing_ambition_and_contentment 360a8a1f-5161-41d5-8ac0-a30f03905f15 Mon, 09 Nov 2009 17:48:44 GMT Dear Dave, My husband and I are debt-free, and we've got a fully funded, six-month emergency fund in place. The problem is that he lost his job last month. I'm still working part-time and bringing home $150 a week.... http://www.townhall.com/columnists/DaveRamsey/2009/11/04/ask_dave_using_the_emergency_fund 918d3760-5066-4576-883f-9863e1cace88 Wed, 04 Nov 2009 15:36:47 GMT Dear Dave, I'm 20 years old, and I'm working my way through college. I've never been in debt, and I've already got a good emergency fund in place. But it seems like there are so many things to plan for down the road.... http://www.townhall.com/columnists/DaveRamsey/2009/11/04/dave_says_prioritizing_saving_as_an_adult 4561eb5c-3046-4205-802c-8355c3a10742 Wed, 04 Nov 2009 15:33:17 GMT Dear Dave, We live in Missouri, and we just paid off our mortgage in July. Do we have to contact the mortgage company to get the deed? --Karen Dear Karen, It can vary depending on where you live, but I believe... http://www.townhall.com/columnists/DaveRamsey/2009/10/26/dave_says_obtaining_the_deed 491634ee-9c37-4ce2-a36e-fa5dac082377 Mon, 26 Oct 2009 14:45:25 GMT Dear Dave, Do you have an opinion on whether or not pre-paid legal is a product worth purchasing? --Anika Dear Anika, I'm not mad about pre-paid legal. But a lot of folks who recommend and advocate it don't... http://www.townhall.com/columnists/DaveRamsey/2009/10/26/dave_says_do_i_need_pre-paid_legal 954916e7-b83f-4bd4-8342-27f2c9ed3da2 Mon, 26 Oct 2009 14:44:08 GMT