Dave Ramsey

Dave Ramsey is a personal money-management expert, an extremely popular national radio personality, and the best-selling author of The Total Money Makeover. In his latest book, a follow-up of his enormously successful New York Times best-sellers Financial Peace and More Than Enough, 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.

Ramsey knows first hand what financial peace means in his own life—living a true rags-to-riches-to-rags-to-riches story. By age 26, he had established a four-million-dollar real estate portfolio, only to lose it by age 30. He 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.

Ramsey offers life-changing financial advice as host of a nationally syndicated radio program, The Dave Ramsey Show, which is heard by nearly 4.5 million listeners each week on more than 450 radio stations throughout the United States.

Ramsey is the creator of Financial Peace University (FPU), a 13-week program that helps people dump their debt, get control of their money, and learn new behaviors around money that are founded on commitment and accountability. More than one million families have attended FPU classes at their workplace, church, military installation, local nonprofit organization, community group, or Spanish-speaking institution. The average family pays off $5,300 in debt and saves $2,700 in the first 91 days after beginning FPU and is completely out of debt, except for the mortgage, in 18 to 24 months.

Ramsey created a group of products in an effort to teach children about money before they have a chance to make mistakes. Foundations in Personal Finance is an all-inclusive school curriculum that is currently in more than 10,000 education programs. Financial Peace Jr. is an instructional kit designed to help parents teach their young children about working, saving, and giving their own money. Through 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, budgeting, integrity, and debt.

Ramsey earned his B.S. degree in Finance and Real Estate from the University of Tennessee. A frequent speaker around the country at large-scale live events, Ramsey is a passionate and inspiring presenter who is at ease on both sides of the microphone. More than 700,000 people have attended Ramsey’s live events.

During the show, call Dave at (888) 825-5225.

john reynoso

Iam self employed, and need to know more about stream line loans I have a Good fico
hamed.ayoobi

I love Dave ramsey show and his way of thinking.
Tnx a lot man.
hamed from Iran.
Linda Voorhees

Mr. Ramsey, I was listening to your show and you mentioned a Custom College Guide. I was unale to find a pen to take down the telephone number. Could I please get that number. My grandson is going to go to college next September.
Thank you, Linda

KFWB Staff

Dear Linda,

Here is the link to Dave Ramsey’s Custom College Guide: http://www.daveramsey.com/tools/college-guide/

All the best,
KFWB

Tim

I’ve LOVE listening to the show & have been wanting to ask a question regarding my current real estate situation:

I’m originally from California, but worked in Branson, MO for 6 years. While domiciled in Branson, I decided to purchase a small 2 bed 1950 style home for $92K. The property is residential/commercial zone and barely appraised for the asking price at the time of sale. I bought it in 2006 on a stated income and lived in the home for 2 years before moving back to California.

I want to refinance into one fixed loan, but because I don’t have much equity into property yet, and it’s an out of state property, my bank stated they could not refinance at this time. I also qualified for the bailout refi; except for one thing… I don’t live in the property anymore.

I have never missed a mortgage payment & currently have renters in my property (same renters for past two years). I have two mortgages on this property. My first is a Chase loan of 70K, 30 fixed at 6.25%. My second is a $22K balloon loan at 8.25% payment through Wilshire loan (currently under BofA), which I’ll owe 14K at the end of term.

Is there anything that you are aware of that I may qualify for to refinance both loans into one? And which companies would you recommend I speak with? I’m presently employed and working in California. (Same job 4 years. Annual income approx. 25K)

Thank you in advance for any advice!
Monica

Mr. Ramsey endorsed a pre college program for high schoolers with a 3.2 GPA and above, I believe it was called College Aid? Can you help me? Thank you!
Jack

I was late for work but couldn’t get off the radio. Your advise to the girl with the AmEx collection harassment problems, your encouragement was inspiring! You’re a life coach. She sounded so fragile, hopefully, she got the message. YOU ROCK!!!
Jack

I’m a new listener. I’m addicted to your show for your sincere concern and intelligence for your listeners with diverse dilemmas. Also, you offer not only solid financial advise, but more importantly, life advise. You’re like the dog whisperer of finance. YOU ROCK!!
JANET

Hi Dave since I can not attend you conference on April 3 I was wondering would it be any other conference or not or if you would have a video that can be purchased. I would like to take my kids
Angie

Dave you had a guest today by the name of Sara. I started listening at the end of her segment. I am interested in what she had to say. Can you please provide me with more inforamtion about her. Thank you
laura cipres

What is the name of the Credit Union or Local Bank in Orange County CA that Dave endorses??

jaime

Eagle Rock Credit Union

http://www.eaglecu.org/Dave_Ramsey_306.html
Jonas

you don’t need it. (He is right- you don’t need a credit card- we haven’t had one in 1 1/2 years. We don’t miss them.) We spend less by using our debt card and cash. Also Dave is about biuidlng your credit score. If you decide not to use any credit and as you become debt free- eventually you won’t have a credit score. If you need a mortgage and you don’t have a FICO then you ask for manual underwriting (local credit unions and banks still do these). Dave is about gazelle intense- get out of debt as fast as possible so then you can save for emergencies, retirement, college, etc, etc.

Sharon

I am on a fixed income $1500 a month and $11,000 in my savings. I have no debt and my question is should I take out life insurance and if so what would I get, I am 66 years old single, and do I need to get a will with this income, I do not own anything. Thank you for all you do and your love for Christ.