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Dave Ramsey (b. Sept. 3, 1960) is a Christian nationally syndicated talk radio host and New York Times best selling author^[1]. His syndicated radio program, The Dave Ramsey Show, is promoted with a tagline that it is about "Life and Money" and is heard on over 300 radio stations throughout the United States and also on XM and Sirius satellite radio, as of July 2006.^[2] Image File history File links Information. ... Shortcut: WP:WIN Wikipedia is an online encyclopedia and, as a means to that end, also an online community. ... Shortcut: WP:NPOV Wikipedia policy is that all articles should be written from a neutral point of view. ... Shortcut: WP:RULES Wikipedia is a collaborative project and its founders and contributors have a common goal: Wikipedia has some policies and guidelines that help us to work toward that common goal. ... Talk radio is a radio format which features discussion of topical issues. ... The New York Times Best Seller List is a weekly chart in The New York Times newspaper that keeps track of the best-selling books of the week. ... XM may stand for: XM Satellite Radio, a United States broadcasting company. ... Sirius (α CMa / α Canis Majoris / Alpha Canis Majoris) (IPA: ) is the brightest star in the night-time sky with a visual apparent magnitude of −1. ... Year 2006 (MMVI) was a common year starting on Sunday (link displays full 2006 calendar) of the Gregorian calendar. ...

Ramsey's current company, The Lampo Group, operates out of his hometown of Brentwood, Tennessee and oversees three divisions geared toward financial counseling. He has written over 14 books, three of which have been on the New York Times Best Seller list. He is also the creator of a 13-week video training series known as Financial Peace University and a school program known as Financial Peace for the Next Generation that has been offered in more than 1,200 schools in 46 states.^[3] A revised edition of The Total Money Makeover was released on February 6, 2007.[1] He has been featured on many media outlets including The Oprah Winfrey Show, 60 Minutes, and The Early Show on CBS. Currently he is involved in a development deal with CBS^[4] and has taped a pilot and six episodes of a reality show named "The Dave Ramsey Project".^[5] Brentwood is a city in Williamson County, Tennessee, United States. ... Official language(s) English Capital Nashville Largest city Memphis Largest metro area Nashville Area  Ranked 36th  - Total 42,169 sq mi (109,247 km²)  - Width 120 miles (195 km)  - Length 440 miles (710 km)  - % water 2. ... The New York Times Best Seller List is a weekly chart in The New York Times newspaper that keeps track of the best-selling books of the week. ... The Oprah Winfrey Show (also known as Oprah) is an American nationally syndicated talk show, hosted and produced by Oprah Winfrey and is the highest-rated talk show in American television history. ... Not to be confused with a BBC news magazine program of the same name. ... The Early Show is an American television morning news talk show broadcast by CBS from New York City, 7 to 9 a. ... CBS Broadcasting, Inc. ... CBS Broadcasting, Inc. ...

Background

David L. Ramsey III was born in Antioch, Tennessee and raised in Nashville, Tennessee. Ramsey received a Bachelor of Science degree with double majors in Finance and Real Estate at the University of Tennessee in 1982[2], shortly thereafter finding a niche market in foreclosure real estate. At the age of 26, through his brokerage firm, Ramsey Investments, Inc., he had built a rental real estate portfolio worth more than $4 million. He became one of Tennessee's youngest brokers to be admitted to the Graduate Realtors Institute.^[6] // Antioch is a suburb of Nashville, Tennessee, located in the southern part of Davidson County. ... Nickname: Location in Davidson County and the state of Tennessee Coordinates: , Country United States State Tennessee Counties Davidson County Founded: 1779 Incorporated: 1806 Government  - Mayor Bill Purcell (D) Area  - City  526. ... This article does not cite any references or sources. ... The University of Tennessee (UT), sometimes called the University of Tennessee at Knoxville (UT Knoxville or UTK), is the flagship institution of the statewide land-grant University of Tennessee public university system in the American state of Tennessee. ... Foreclosure is the legal proceeding in which a bank or other secured creditor sells or repossesses a parcel of real property (immovable property) due to the owners failure to comply with an agreement between the lender and borrower called a mortgage or deed of trust. Commonly, the violation of...

Dave's debt-fueled success soon came to an end as the Tax Reform Act of 1986 began to negatively impact the real estate business. One of Ramsey's largest investors was sold to a larger bank, who began to take a harder look at Ramsey's borrowing habits. The bank demanded he pay $1.2 million worth of short-term notes within 90 days, forcing him to file bankruptcy.^[6] President Ronald Reagan signs the Tax Reform Act of 1986 on the South Lawn. ...

After years of hardship, through determination never again to return to debt, Ramsey began to recover.^{[citation needed]} People began coming to him asking how he made it through, and Ramsey eventually began counseling couples at his local church. Soon after offering private counseling services, Ramsey began attending every workshop and seminar on consumer financial problems that he could find. He developed a simple set of lessons and materials based partially on his own experience, and after many requests from his clients, in 1992 wrote his first book Financial Peace.^[6]

Dave Ramsey has been married to his wife, Sharon, for 25 years, and they have three children, Denise, Rachel, and Daniel. The family resides in Nashville.^[6] Ramsey's protestant Christian beliefs have formed a fundamental influence in his life and a growing presence on his radio show.

The Lampo Group, Inc.

Ramsey founded his company, the Lampo Group in 1991^[7], initially helping people one-on-one who were struggling with financial issues. In 1994 he hired Russ Carroll, Ramsey's lead financial counselor, and together they began teaching the first Financial Peace University classes on overhead projectors.^[7] Between 1999 and 2004, The Lampo Group grew from 18 to 105 team members.

Ramsey claims to run his business completely debt-free, an accomplishment he states was critical to the success of his company.^[8]

The Dave Ramsey Show

The Dave Ramsey Show is a three-hour, self-syndicated radio program and podcast that airs Monday through Friday from 2-5 EST. It is primarily broadcast from Brentwood, Tennessee, though often during the summer it is broadcast via remote from Ramsey's lake house.^[2] In the entertainment and news industries, syndication is a method of making content available to a range of outlets simultaneously. ... -12 | -11 | -10 | -9:30 | -9 | -8 | -7 | -6 | -5 | -4 | -3:30 | -3 | -2:30 | -2 | -1 | -0:25 | UTC (0) | +0:20 | +0:30 | +1 | +2 | +3 | +3:30 | +4 | +4:30 | +4:51 | +5 | +5:30 | +5:40 | +5:45 | +6 | +6:30 | +7 | +7:20 | +7... Brentwood is a city in Williamson County, Tennessee, United States. ... Official language(s) English Capital Nashville Largest city Memphis Largest metro area Nashville Area  Ranked 36th  - Total 42,169 sq mi (109,247 km²)  - Width 120 miles (195 km)  - Length 440 miles (710 km)  - % water 2. ...

Ramsey takes numerous live calls on the theme of finance and, occasionally, money-related Christian philosophy as it pertains to tithing, etc. During the show, Ramsey discusses various life and money-related issues with callers. One notable difference between his and other financial shows was that Ramsey attempts to go beyond the mathematical mechanics and reach his callers through an emotional and spiritual level.^[9]

The program began in 1992 when Ramsey, while selling copies of Financial Peace out of the trunk of his car, was a guest on 99.7 WWTN.^[7] The station had recently filed Chapter Eleven bankruptcy and one of its hosts had quit after not getting paid, leaving the station scrambling to fill the hole in its lineup. Ramsey offered to do a one-hour show for free for one month, not entirely expecting to be successful. "The Money Game" went on the air with Ramsey co-hosting, along with a friend of his^[10], presumably either Hal Wilson^[11], or Roy Matlock^[12]. The program was quite popular in Nashville. Reportedly, when WWTN asked Ramsey who would be syndicating his show, Ramsey simply pointed to Blake Thompson, who continues as executive producer of the show to this day. As Bill Hampton, Vice President of The Lampo Group stated, "they learned syndication from the ground up."^[8] WWTN is a 100 kW FM radio station serving the Nashville, Tennessee media market. ...

"The Money Game" changed its name to "The Dave Ramsey Show" in mid 1996.^[6] As of 2006 , the show is heard in over 300 markets.^[13] In 2006, the show received two nominations for the 2006 Radio & Records News/Talk Industry Achievement Awards. It is the fifth year in a row for Dave Ramsey in the "Syndicated Personality of the Year" category, and the second year in a row for Bill Hampton in the "Executive of the Year" category.^[13]

On the success of the show, Bill Hampton has stated that the show did $2.5 million in network sales in 2005, while MyTMMO.com did $1.2 million. He also stated the show would bring in an estimated $3.7 million from advertisers.^[8] The show is now also available on podcast via iTunes. The iTunes Store is an online business run by Apple Inc. ...

Ramsey's show is one of very few national radio shows to be self-syndicated. The program is not connected to any national network or programming service, and is distributed directly to local stations. In the entertainment and news industries, syndication is a method of making content available to a range of outlets simultaneously. ...

Publications

Additionally, The Total Money Makeover, Financial Peace Revisited, and More than Enough are available in Spanish.

Financial advice

• Financial Peace: Restoring Financial Hope to You and Your Family

Hardcover: 270 pages

Publisher: Viking Adult (January 1, 1997)

ISBN 0-67-087361-6

• The Financial Peace Planner: A step-by step guide to restoring your family's financial health

Paperback: 288 pages

Publisher: Penguin (Non-Classics) (January 1, 1998)

ISBN 0-14-026468-X

• How to Have More than Enough: A Step-by-Step Guide to Creating Abundance

Paperback: 336 pages

Publisher: Penguin (Non-Classics) (April 1, 2000)

ISBN 0-14-028193-2

• More than Enough: The Ten Keys to Changing Your Financial Destiny

Paperback: 352 pages

Publisher: Penguin (Non-Classics); 1st edition (February 15, 2002)

ISBN 0-14-200047-7

• Financial Peace Revisited

Hardcover: 352 pages

Publisher: Viking Adult (December 30, 2002)

ISBN 0-670-03208-5

• The Total Money Makeover: A Proven Plan For Financial Fitness

Hardcover: 224 pages

Publisher: Nelson Books (September 11, 2003)

ISBN 0-7852-6326-8

• Total Money Makeover Workbook

Paperback: 240 pages

Publisher: Nelson Impact (January 21, 2004)

ISBN 0-7852-6327-6

• The Money Answer Book: Quick Answers to Everyday Financial Questions

Paperback: 160 pages

Publisher: Nelson Books (January 17, 2005)

ISBN 0-8499-9619-8

• Priceless: Straight-Shooting, No-Frills Financial Wisdom

Hardcover: 135 pages

Publisher: Lampo Press (August 2006)

ISBN 0-9774895-9-0

Kids' books

• The Super Red Racer: Junior Discovers Work

Hardcover: 32 pages

Publisher: Lampo Press (January 2003)

ISBN 0-9726323-0-1

• Careless At The Carnival: Junior Discovers Spending

Hardcover: 26 pages

Publisher: Lampo Press (October 2003)

ISBN 0-9726323-1-X

• The Big Birthday Surprise: Junior Discovers Giving

Hardcover: 26 pages

Publisher: Lampo Press (October 2003)

ISBN 0-9726323-2-8

• My Fantastic Fieldtrip: Junior Discovers Saving

Hardcover: 26 pages

Publisher: Lampo Press (October 2003)

ISBN 0-9726323-3-6

• A Special Thank You: Junior Discovers Integrity

Hardcover: 32 pages

Publisher: Lampo Press (August 2005)

ISBN 0-9769630-0-0

• Battle of the Chores: Junior Discovers Debt

Hardcover: 32 pages

Publisher: Lampo Press (August 2005)

ISBN 0-9769630-1-9

Contributions

• 48 Days To The Work You Love by Dan Miller, Foreword by Dave Ramsey

Hardcover: 224 pages

Publisher: B&H Publishing Group (January 2005)

ISBN 0-8054-3188-8

Other Ramsey programs

Live events

Dave Ramsey also hosts live events which are largely based on the Total Money Makeover series; incorporating humor with financial advice. ^[14] Beginning in 2007 a prerecorded video stream of a live event was also offered online at Ramsey's website.

Endorsed Local Providers (ELP)

ELPs are financial professionals who are essentially fans of "The Dave Ramsey Show", and for the endorsement of his program help local area Ramsey listeners with advice on investing, accounting, health insurance, and real estate. Part of the requirements of becoming an ELP is that the advisor "have the heart of a teacher," in that the advisor is willing to explain products and how they work as opposed to selling products that simply make the most profit.^[14]

Share It!

"Share It!" is a foundation created by Dave and Sharon Ramsey for the purpose of working with other nonprofit organizations such as housing initiatives, welfare-to-work projects, domestic violence shelters, drug and alcohol recovery programs, crisis pregnancy centers, youth outreaches, and high schools to help others become financially literate.^[15] One of products sold on Dave Ramsey's website for which proceeds go entirely to this charity is the "Freedom" wristband.[3]

Criticism

• Ramsey has been criticized in financial circles for offering simplistic solutions to financial issues. ^[16]

• Many people criticize Dave Ramsey because they find him arrogant, right-wing or generally wrong in the financial advice he teaches.^[5]

• Some believe that Dave Ramsey's views on personal wealth are nonbiblical.^[5]

• In 2004 Dave Ramsey's column was dropped from The Tennessean and four other newspapers owned by Gannett, Co. after it was discovered that the identities of those seeking help were falsified in several of his columns. Ramsey accepted responsibility for the error and offered refunds to the newspapers affected by the error.^[17]

The Tennessean is a dominant daily newspaper in Nashville, Tennessee. ... Gannett Company, Inc. ...

See also

• Debt
• Bankruptcy
• Talk radio
• Envelope budgeting

This article does not cite any references or sources. ... Notice of closure stuck on the door of a computer store the day after its parent company, Granville Technology Group Ltd, declared bankruptcy (strictly, put into administration—see text) in the United Kingdom. ... Talk radio is a radio format which features discussion of topical issues. ... This article or section seems not to be written in the formal tone expected of an encyclopedia entry. ...

References

Year 2006 (MMVI) was a common year starting on Sunday (link displays full 2006 calendar) of the Gregorian calendar. ... is the 337th day of the year (338th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday (link displays full 2006 calendar) of the Gregorian calendar. ... is the 337th day of the year (338th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday (link displays full 2006 calendar) of the Gregorian calendar. ... is the 337th day of the year (338th in leap years) in the Gregorian calendar. ... Year 2007 (MMVII) is the current year, a common year starting on Monday of the Gregorian calendar and the AD/CE era. ... is the 197th day of the year (198th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday (link displays full 2006 calendar) of the Gregorian calendar. ... is the 337th day of the year (338th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday (link displays full 2006 calendar) of the Gregorian calendar. ... is the 337th day of the year (338th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday (link displays full 2006 calendar) of the Gregorian calendar. ... is the 337th day of the year (338th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday (link displays full 2006 calendar) of the Gregorian calendar. ... is the 337th day of the year (338th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday (link displays full 2006 calendar) of the Gregorian calendar. ... is the 337th day of the year (338th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday (link displays full 2006 calendar) of the Gregorian calendar. ... is the 337th day of the year (338th in leap years) in the Gregorian calendar. ... Year 2007 (MMVII) is the current year, a common year starting on Monday of the Gregorian calendar and the AD/CE era. ... March 21 is the 80th day of the year (81st in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday (link displays full 2006 calendar) of the Gregorian calendar. ... is the 337th day of the year (338th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday (link displays full 2006 calendar) of the Gregorian calendar. ... is the 337th day of the year (338th in leap years) in the Gregorian calendar. ...

External links

• Dave Ramsey official website
• Dave Ramsey on CBS' 60 Minutes (Transcripts)
• "Interview with Dave Ramsey" Failure Magazine, October 2000.

Further reading

• Dave Ramsey, The Total Money Makeover ISBN 0-7852-6326-8
• Dave Ramsey, Financial Peace, Revisited ISBN 0-670-03208-5
• Dave Ramsey, More Than Enough ISBN 0-14-200047-7
• Dave Ramsey, The Money Answer Book ISBN 0-8499-9619-8