[Diolla]

I use his envelope system and zero based budgeting.

I agree with
Not using Credit cards if you are in debt
Using cash where possible if you are in debt
Not loaning money or co-signing loans
Saving for retirement before college funds for children
Giving all your dollars a name and purpose
Saving up to pay cash for larger purchaes
Always understand what you are investing in

I disagree/have problems with
Never use credit cards, depending on your personality they can be a great tool
Save 15% for retirement, although a fine starting point each person's situation is too variable for a one size fits all here.
I think his investment info is too vague and uses terms that are not common in the investing world.
Debt Snowball, I think you should look at all the information on your debts and not just the amounts. Sometimes I prefer to kill off little debts before buckling down on big ones, sometime interest rates are a big factor. When I was paying off debts it didn't matter because my bigger ones were the ones with the lowest interest rates but again it is not a one size fits all situation.

As I became more informed and pro-active with my situation I found it was bext to use what worked for me but Ramsey was my starting point and at least he got me working on it. The more I read the more I realized that the advice was pretty much the same from all the "Financial Guru's"

1-Budget, know what you want to spend and how much you have to spend
2-Pay off high interest credit card debt
3-Have an emergency fund for unexpected expenses
4-Save for retirement
5-Live below your means

Duh.