While other financial gurus are preaching about 401ks and flipping houses, Dave starts at the very beginning for those of us who are slow (or those of us who don't really want to hear the truth because it my be painful)...step 1, get a $1000 emergency fund NOW!, step 2, cut up ALL of your credit cards, get a second or third job, stop spending, and pay off all of your debt. See--painful. But effective. I can honestly say that Dave is the only person in MY ENTIRE LIFE who said "you are an idiot because you are spending yourself into massive debt. Don't be stupid." And for some of us, that's what we need to hear because we can come up with all kinds of excuses to justify how bad we are with money. But after you get with the program, much like running a marathon, you hit the wall of pain and pass it because you become so blissed out with your progress that your whole mindset changes.
Now I (and apparently millions of others) are no longer victims of our poor choices and of the media/financial/Joneses that we are keeping up with, and we are making significant progress in our financial lives (and overall in our personal lives too) so now I want to evangelize Dave to the world! Here are ten ways to learn how to get out of debt and become wealthy from Dave Ramsey: