Before I get too far in this post I have to say that I am not a Dave Ramsey fan. I have never been a fan of his and after 13 weeks of listening and watching him in a video I am still not a fan. His personality is a little to harsh for me (sorry Dave if you are reading this:)
However, I do believe 100% in what he teaches. Most of his teachings seem so simple, but for some strange reason people don't practice them.