“Debt is normal,” a Ramsey bumper sticker says. “Be weird.” If you don't listen to talk radio, attend an evangelical church, live in the South, or watch Fox News, there is a decent chance you've never heard of Dave Ramsey. If somebody … Once you get over the casual meanness of this message, it becomes clear how oddly reassuring it is. It assumes that …. He's often telling callers to get second jobs, to drive “beater” cars, and to survive on rice and beans. He describes … …

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The Prophet: Meet Dave Ramsey, America's Personal Finance Guru