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Dave Ramsey is one of the most popular financial “gurus” in America.  While many know him from either his radio show and/or books like Financial Peace and The Total Money Makeover, he is also a television personality as he hosts The Dave Ramsey Show on the FOX Business Network nightly.

His radio program, The Dave Ramsey Show, discusses issues pertaining to personal finances. Dave Ramsey dishes ou his distain for credit cards, hisrecommendation on paying for cars in cash, and the importance of savings to millions every day.

Before Dave Ramsey began his radio program, he received a BS degree with double majors from the University of Tennessee in 1982:  Finance and Real Estate.  By the age of 26, he and Ramsey Investments, Inc had a portfolio of more than $4 million — some if not most only obtainable by getting into debt.  Shortly afterward with the passing of the Tax Reform Act of 1986 and other circumstances, Dave Ramsey was forced to file for bankruptcy.

After going through bankruptcy, Dave Ramsey vowed to never borrow money again.  Once he recovered his financial footing and helped a few friends do the same, Ramsey began counseling couples on their personal finances at his local church.  In 1992, following the recommendations of some of the people that he had helped, he wrote his first book:  Financial Peace.