[dealsaver]

Dave Ramsey isn't the worst of the financial Guru's, but I certainly wouldn't follow all of his advice without figuring out if it makes sense for you first(like paying off low interest low balance credit card accounts before high interest large balance credit accounts. That's nuts!) . Personally, I think it's foolish to pass up an opportunity to take advantage of 0% credit card offers or other forms of low interest debt when you invest the proceeds at a higher guranteed rate and know how to manage your credit properly. Plus credit card rewards cards can used to enrich your life by earning free cash, free travel, free college savings, etc. I would be materially worse off financially if I followed all of Dave Ramsey's advice.

People spend way too much time and money seeking advice from others on how to manage their finances. If you are looking for advice on your personal finances, just go to the library where there are tons of books on the subject. After you've read enough of them, you'll realize that all you need to do is to live beneath your means and save for tommorow. It's not rocket science and there's no need to give these gurus any more of your hard earned money for their books or courses.