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) 2012 Townhall.com, A Salem Communications Web. ALL RIGHTS RESERVED jim.dearras@townhall.com (Jim De Arras) Tue, 15 May 2012 04:01:00 GMT Tue, 15 May 2012 04:01:00 GMT http://blogs.law.harvard.edu/tech/rss RSS.NET: http://www.rssdotnet.com/ Dear Dave, I'm a single dad with two teenagers at home. My 15-year-old son wants to open a checking account of his own, but he doesn't want me or anyone else to have access to it. Should I just let him do this and... http://www.townhall.com/columnists/DaveRamsey/2012/05/15/dave_says_listen_and_lessen_your_need_for_life_insurance 0d698cb1-c710-4f36-a2ac-4c53afdfb69f Tue, 15 May 2012 04:01:00 GMT Dear Dave, I have a problem with impulse spending. I switched to a debit card so that the money comes straight out of my checking account, but I still buy things I know I shouldn't. Should I stop using the... http://www.townhall.com/columnists/DaveRamsey/2012/05/08/dave_says_get_intentional_with_your_money 76ae44ae-f6f6-4e96-8611-4d8cd80c6e46 Tue, 08 May 2012 04:01:00 GMT Dear Dave, Do you feel that some people are born leaders, or do you have to read and study to become one? Michael Dear Michael, I don't believe anyone is born a leader. I've watched all three of my kids being born,... http://www.townhall.com/columnists/DaveRamsey/2012/05/03/on_business_dave_says_leaders_are_made 6b738cce-ed66-4cb0-ab5d-3b110fd0698d Thu, 03 May 2012 04:01:00 GMT Dear Dave, I'm about to complete Baby Step 3. I've been very intense about following your plan, but I was wondering if there's ever any kind of frustration or letdown after you've come this far. Rasheed Dear Rasheed,... http://www.townhall.com/columnists/DaveRamsey/2012/05/02/dave_says_baby_step_3_the_key a41d0c34-30de-4822-b358-7c1d092c032b Wed, 02 May 2012 04:01:00 GMT Dear Dave, I just lost my job due to company-wide layoffs. I have an emergency fund, but I'm losing my health insurance. Our state has a program that covers children's healthcare in these kinds of situations. Would it... http://www.townhall.com/columnists/DaveRamsey/2012/04/25/dave_says_do_what_you_need_to_take_care_of_kids 179242fa-f455-45c4-bbc6-81b87de0c4a6 Wed, 25 Apr 2012 04:01:00 GMT Dear Dave, Does it matter whether it's the husband or the wife who keeps the checkbook and pays the bills? Lots of people say that kind of thing is the man's job, but I was curious about what you think. Daniel Dear... http://www.townhall.com/columnists/DaveRamsey/2012/04/18/dave_says_god_didnt_make_marriage_a_business_venture 96ecf027-b5fd-4204-88ea-0765188724c7 Wed, 18 Apr 2012 04:01:00 GMT Dear Dave, Is it ever a good idea to sell your home and buy a smaller, less expensive one in order to get out of debt more quickly? Autumn Dear Autumn, It's a good idea in some situations. If you don't really like... http://www.townhall.com/columnists/DaveRamsey/2012/04/11/dave_says_dont_let_money_and_children_yank_your_chain b54dc97f-bde3-4d4d-85ff-aa80f68b41d9 Wed, 11 Apr 2012 04:01:00 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/2012/04/09/dave_says_on_business_fire_that_accountant 6cc8f1b5-cd88-45af-8f4b-7ee0406672c7 Mon, 09 Apr 2012 04:01:00 GMT Dear Dave, My husband works two hours away from home. He gets up at 3 a.m. and doesn't get home until 7 p.m. We have a fully funded emergency fund, and he makes $95,000 a year. My parents' place is an hour from his... http://www.townhall.com/columnists/DaveRamsey/2012/04/04/dave_says_move_it f6855bfb-ead5-4e5b-a4dd-5bc6227c6d69 Wed, 04 Apr 2012 04:01:00 GMT Dear Dave, I want to keep one of our credit cards open and use the bill-pay option for utilities and other monthly bills. I want to do this so we can continue earning rewards points, and the way I look at it, we'd just... http://www.townhall.com/columnists/DaveRamsey/2012/03/28/dave_say_youre_looking_for_trouble e51594c9-f79a-4afc-98b4-adbf8e198c69 Wed, 28 Mar 2012 04:01:00 GMT Dear Dave, Is there some way to put a block on a credit report prior to sending a kid to college, so that the credit card hustlers can't get to them? Trevor Dear Trevor, No, there's not. Unfortunately, in today's... http://www.townhall.com/columnists/DaveRamsey/2012/03/21/dave_says_teach_your_children_well a1cccfa2-b3b6-4406-890e-bfb108d5e320 Wed, 21 Mar 2012 04:01:00 GMT Dear Dave, I was wondering why you recommend doing a fresh budget every month. Once you've figured out your expenses and income, won't the same budget work month to month? Kara Dear Kara, I understand what you're... http://www.townhall.com/columnists/DaveRamsey/2012/03/13/dave_says_heres_the_reason_im_on_the_planet ba421575-4263-4aec-8f57-a9bb38750733 Tue, 13 Mar 2012 04:01:00 GMT Dear Dave, We keep getting offers in the mail from a law firm that offers to protest the assessed value of our home for property tax purposes. They say that we'll pay them nothing if they can't save us money, but if... http://www.townhall.com/columnists/DaveRamsey/2012/03/07/dave_says_move 7ebb0e31-342d-4cf5-abe9-6f424a4d9905 Wed, 07 Mar 2012 05:01:00 GMT Dear Dave, I've been self-employed all my life, and I work my tail off every day. The other day I heard some guys complaining about their jobs and saying that their company "owed" them all kinds of perks. Being a... http://www.townhall.com/columnists/DaveRamsey/2012/03/02/dave_says_on_business_company_owes_you_nothing 7c779524-5e5a-4403-a61a-b354933daff0 Fri, 02 Mar 2012 05:01:00 GMT Dear Dave, My husband and I have been through Financial Peace University. I've always been the numbers nerd, although he's catching on and doing pretty well. He has a motorcycle he bought a few years ago before we got... http://www.townhall.com/columnists/DaveRamsey/2012/02/29/dave_says_dont_lose_the_hog_lose_the_debt 8cc72bfd-d039-4144-aaf7-d59687d4c473 Wed, 29 Feb 2012 05:01:00 GMT