Dave Ramsey and Billy Bob Thornton are twins......

Been listening to the Dave Ramsey Show here on WMUZ at 103.5 in the Metro Detroit area. There is a billboard showing his face and info right off of the Southfield Freeway. A relative gave me his book last Christmas and I wish that she gave me the book, The Total Money Makeover earlier like Christmas 2003, instead of the picture frame set that I never used, which is sitting New In Box right now. I have been reading Dave Ramsey's book religiously and do recognize that he is not perfect either. Based on his advice, maybe I can sell the picture frame on Ebay, since no one in this economically strapped area seemed to want it when I tried to sell it at my garage sale. If I had got the book then, maybe I would have been better prepared for what the economy is going through right now.

But I can not blame anyone for my life decisions. But I do know if I had read his book first (although much of the financial advice that he gives is in the Bible and is also what my Dad already preached to us years ago), I probably would not have bought my house after reading his book. I have read several books on financial improvement, and none of them explained the ins and out of credit, mortgages, and homeownership in plain old logic as Dave Ramsey has done. I did learn that if I had waited and moved in with my mother instead, I probably would have had a house that was fully paid off, and be in better financial shape now.
No use crying over spilt milk...............

But back to Dave Ramsey......

I had never heard him speak until listening to the radio show recently, and at first I found it hilarious. Although Dave is spilling a lot of good knowledge and common sense, listening to him for me is like listening to the actor/singer Billy Bob Thornton berate folks in “Bad Santa,” and “School for Scoundrels.”
Sometimes I can hear the impatience and frustration in his voice when Dave Ramsey is advising folks whose situation is really messed up and they still don't get his suggestions in the few minutes that is alloted to them. Although he personally went through bankruptcy, I have noticed in his book and on the radio show, that Dave Ramsey Will Not recommend bankruptcy. However there are times when some folk's financial lives sound so screwed up, I am yelling at the radio for the caller to do bankruptcy. As I listen to them explain their situations, my intuition tells me that they have no ideal or understanding how to fix their dilemma even though they are talking to Dave. Those folks are the ones that really need a new start. I just have to wonder if given a new start, would they make the same mistakes again?