Dave Ramsey

Dave Ramsey is a personal finance expert, author, and radio host known for his practical advice on money management. He advocates for a debt-free lifestyle and offers a straightforward approach to budgeting, saving, and investing. His popular "Baby Steps" program outlines a step-by-step plan for achieving financial stability, including building an emergency fund, paying off debts using the "debt snowball" method, and investing for retirement. Ramsey emphasizes financial education, responsible spending, and the importance of living within one’s means to achieve long-term financial success and peace of mind.