According to NerdWallet's 2015 American Household Credit Card Debt Study, the average U.S household with debt owes $130,922. This includes credit cards, mortgages, auto loans, student loans, and other forms of debt. If this doesn't seem like a big deal to you, check out 9 Reasons Debt Is Bad.
Dave Ramsey is host of the number three talk radio show in the country: The Dave Ramsey Show - Real life and money from America's most-trusted money expert! He talks about a wide range of topics on the show dealing with all types of money questions, but there is always an underlying theme - debt is bad. Dave teaches that getting out of debt, and staying out of debt is the key to financial success, wealth building, and being able to give to others. In addition checking out his show online, you can find a local radio station that plays his show, download podcasts, visit the Dave Ramsey YouTube channel, or listen to him 24 hours a day on the Dave Ramsey iHeartRADIO Channel.
One of the key parts to Dave's program is the "Seven Baby Steps". It is a proven seven step plan, that puts people on the path of paying off debt and building wealth. It starts by having you save $1,000 in an emergency fund, and then starts you on the process of paying off your debts. The ultimate goal is to get to where you are building wealth and saving for retirement, so you can live the life of your dreams, and give generously to others.
Dave's class Financial Peace University is a 9 week class that teaches people how to take control of their money by getting rid of debt, managing money, and saving/spending wisely. Millions of people have gone through the program and have had their lives changed by Dave's teachings. The classes are taught in churches and other locations all across the country. You can easily find an event near you by clicking on this link.
Dave's best selling book The Total Money Makeover is a wonderful financial guide, filled with all kinds of good information on personal finance. It is a must read for every American. It covers the "Baby Steps" in depth, and walks the reader through the entire process of paying off debt, saving for retirement, and building wealth. It not only explains why it is important to do this, but it gives 50 real-life stories from people who have gone through his steps, and talk about the difference it has made in their lives.
You can check out Dave Ramsey out today at DaveRamsey.com!
Dave Ramsey is active in a lot of other social media platforms, including Reddit, Facebook, Twitter. I am hoping that he (or one of his staff) comes across this article, and they decide to add Steemit to their list of social media sites!