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You are here: Home / Podcast Episodes / Who cares what Dave Ramsey Says? It’s what he teaches we should follow

Who cares what Dave Ramsey Says? It’s what he teaches we should follow

By Steve Stewart on February 18, 2012

Who cares what Dave Ramsey Says? It’s what he teaches we should follow

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I’m a HUGE Dave Ramsey fan. I listen to all three hours of the radio show, occasionally volunteer at live events, and I’m the only individual in Missouri who is Certified to teach the Financial Peace University Workplace Edition along with completing his Counselor Training course. I like to show off my picture with him in his studio. Oh, and I used to run a hobby blog called DaveRamseyFan.com!

When I first heard the Dave Ramsey show

I was driving through Southern Illinois about a decade ago (before iPods, podcasts, and I can’t remember having a CD player in that car). I stumbled upon a radio station about to go to a commercial break. The DJ was playing the Rippingtons, a jazz group I liked, so I decided to stick around after the break. When the commercials were over the DJ started playing a song by Heart. The Rippingtons and Heart on the same station? Now THAT’S variety! But the DJ kept talking and I suddenly realized he wasn’t a DJ, he was a talk radio show host. I almost changed the station but this redneck on the radio reminded me of a guy I used to listen to in the late 1990’s, Bruce Williams, so I stuck around.

Dave Ramsey is no Bruce Williams

At first I thought he was just some southern shock-jock saying crazy things to get the listeners upset and riled up, kind of like a clean Howard Stern. Cut up your credit cards? Pay off the car early? That stuff doesn’t work Mr. Ramsey, or so I thought at the time. I kept listening, checked out resources on his website, and found out that he was right – ABOUT EVERYTHING. Now I’m a sold out Dave Ramsey fan.

So what’s up with the title of this episode?

PLEASE don’t ever start a sentence with “Dave Ramsey says…”. Who cares what Dave Ramsey says? You’d be a fool to buy every get-rich-quick idea on midnight cable or to believe that what you hear on the news is a true representation of what life looks like in every city. You need to learn about these things for yourself.

Don’t ever say “Steve Stewart Says” either

I hope this podcast doesn’t TELL you how to live but that it shows you how money really works, kind of like taking a shop class consisting of Excel spreadsheets. You could get by without listening to my show or ever taking a  financial literacy course, but if you want to speak into someone’s life with authority and a true knowledge about personal finance then you need to learn.

What you can do to learn without 4-years of college

Take a financial literacy course. April if Financial Literacy month, maybe you can find a free class being offered in your state such as Money Smart Week offered by the Federal Reserve Bank of Chicago.

Read some books. I recommend the Millionaire Next Door, the Total Money Makeover (no surprise there), or a fun one called The Wealthy Barber.

Of course you could always take Dave Ramsey’s Counselor Training. You can read about some of my experiences in a series of blogposts or go to DaveRamsey.com.

Top 50 Money Topic Checklist

Download the Future Financial Minister Top 50 Money Topic Checklist to see how much you already know about personal finance issues. This is not a test, there is no score. This is just for you!


Also, Holla From The Impala: Do you balance your checkbook?

I balance my checkbook the old-fashioned way. How do you balance your checkbook? I would love to hear what you and how it has helped you catch fraudulent charges or mistakes like the ones I have.

About Steve Stewart

Hello. My name is Steve Stewart and I HATE YOUR DEBT MORE THAN YOU. I believe everyone should be rich so they can help others in times of need. Life is too short to be this broke! Let's work together on designing a plan for your house of financial freedom. Don't be afraid to reach out to me - I'm here to help answer your call for help (S.O.S.) with a MoneyPlan.

Reader Interactions

Comments

  1. Treva says

    February 19, 2012 at 5:38 am

    We use Crown Money Maps software. It is based around a virtual envelope system. This software has been a key ingredient to our learning to budget and live debt free.

    • Steve Stewart says

      February 19, 2012 at 3:49 pm

      I didn’t know the Crown Money Map had the functionality to balance your checkbook, I’ll have to look into that. I love Mvelopes as an electronic envelope system, when did it become a free service?

      • Treva says

        February 19, 2012 at 11:02 pm

        Steve, the Crown Money Maps Financial Software isn’t free but to us it has been well worth the investment, $60 I think. Back when we were deep in debt we used Quicken to document our finances and balance our checkbook but it did nothing to change our irresponsible money habits. The Money Maps Software forces you to create a zero based budget and allocate every dollar of every check to a virtual envelope. It also incorporates a lot of extras like bill pay reminders. We credit this software and Dave Ramsey for 6 years of debt free living.

        • Steve Stewart says

          February 20, 2012 at 6:58 am

          So no balancing-the-checkbook feature in the Crown software?

          • Treva says

            February 21, 2012 at 2:03 am

            Yes, you can balance your checkbook in the Crown Money Maps software.

Trackbacks

  1. Why Stitcher Is Awesome For My Podcast says:
    January 1, 2014 at 4:08 pm

    […] favorites like Episode 18 – Jen McDonough’s Real Life Case Story (released in May 2011) and Episode 50 – Who Cares What Dave Ramsey Says (February 2012) are still being downloaded today. They very well could have more total listens but […]

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