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) Wed, 04 Nov 2009 15:36:47 GMT Wed, 04 Nov 2009 15:36:47 GMT http://blogs.law.harvard.edu/tech/rss RSS.NET: http://www.rssdotnet.com/ 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 Dear Dave, In the beginning, how did you go about establishing yourself as a financial counselor that people could trust? Did you initially offer free counseling to help build a reputation? --Anonymous Dear... http://www.townhall.com/columnists/DaveRamsey/2009/10/20/dave_says_daves_start_in_financial_counseling da1c2012-9fa6-4f93-af2b-383d42bafd4d Tue, 20 Oct 2009 17:08:37 GMT Dear Dave, Do you recommend paying off credit card balances before or after you close the accounts? --Anonymous Dear Anonymous, Either way is fine. The point is to get rid of them, and stop using the stupid... http://www.townhall.com/columnists/DaveRamsey/2009/10/20/dave_says_when_do_i_close_the_cards 720e657b-f82b-492b-8a7a-ef3349dade15 Tue, 20 Oct 2009 17:06:27 GMT Dear Dave, My husband and I are both 37 years old, and we have two children, ages six and four. We follow your plan and we'll be debt-free, except for our house, by next May. How should we determine whether to get... http://www.townhall.com/columnists/DaveRamsey/2009/10/20/dave_says_what_term_level_should_i_buy bba2605c-a247-47bf-b9c7-89b95d45a700 Tue, 20 Oct 2009 17:02:57 GMT Dear Dave, When paying extra on a car note or mortgage payment is it a good idea to write a separate check? --Scotty Dear Scotty, Absolutely! You can include the extra check in a separate envelope with the... http://www.townhall.com/columnists/DaveRamsey/2009/10/12/dave_says_pay_extra_on_debt_with_seperate_check 4633068e-9d2f-4c47-8add-0b9c6a384d50 Mon, 12 Oct 2009 18:23:30 GMT Dear Dave, My dad died earlier this year, and as a result my mom and I inherited his auto parts business. He had a lot of accounts receivable piled up, and we need to collect these to keep the business going. We live... http://www.townhall.com/columnists/DaveRamsey/2009/10/12/dave_says_collecting_receivables 6f8756f1-d8a3-4129-bdde-c0e3178226f7 Mon, 12 Oct 2009 18:18:46 GMT Dear Dave, I like your idea of having an emergency fund. Currently, I have $17,000 in General Mills stock. Can I use this as my emergency fund? --Anonymous Dear Anonymous, No, no, no! Stocks are long-term... http://www.townhall.com/columnists/DaveRamsey/2009/10/05/dear_dave_taking_stock_in_an_emergency 90bda24e-11ce-45a6-9235-37722daf1544 Mon, 05 Oct 2009 17:25:52 GMT Dear Dave, I'm 25 years old and have served in the military for seven years. I'm not sure I like what I'm doing as much as I did a few years ago, plus I've had some pretty exciting opportunities come my way in... http://www.townhall.com/columnists/DaveRamsey/2009/10/05/ask_dave_know_when_to_leave 528608b7-ff6c-4b56-b9a6-b919679bfced Mon, 05 Oct 2009 17:22:59 GMT Dear Dave, You talk a lot about delaying gratification in order to attain what you really want. This is such a difficult thing to do. What techniques do you use to make this happen? --Anonymous Dear... http://www.townhall.com/columnists/DaveRamsey/2009/09/28/dave_says_intellectual_behavior_and_will 7e717ba6-9301-40ba-971f-8dceb3075fd0 Mon, 28 Sep 2009 19:03:51 GMT Dear Dave, I'm a teacher, and the school system I work for puts 13.5 percent of my pay into a public teacher retirement fund. They also match this amount. I've read about your rule of investing 15 percent of your... http://www.townhall.com/columnists/DaveRamsey/2009/09/28/dave_says_invest_above_the_requirement 78528ad3-23e3-42dc-99e0-ad6151efe3ff Mon, 28 Sep 2009 19:01:05 GMT Dear Dave, What is the difference between NADA, Kelley Blue Book, and Edmunds.com? Is one more accurate than the others, and how would you use them in negotiating the sale or purchase of a car? --Anonymous Dear... http://www.townhall.com/columnists/DaveRamsey/2009/09/21/dave_says_automobile_pricing_guides c4bc68bd-0737-4452-ba09-3a25e18e5ac0 Mon, 21 Sep 2009 17:55:59 GMT Dear Dave, My husband died four weeks ago. He was 52 years old and had a heart attack. We always lived on a budget and were careful with our money, so we were debt-free when he passed away. He had a 401(k) and an IRA... http://www.townhall.com/columnists/DaveRamsey/2009/09/21/dave_says_recover_first,_plan_later 680b33bb-8fd6-4564-8535-49f0163a8da9 Mon, 21 Sep 2009 17:47:50 GMT