Personal finance is an ever-growing topic because it has an affect on everyone. Every individual is exposed to money in some capacity and it is important to understand how it works. As with anything, there are self-help personalities, gurus and people who claim to have the secret to a winning formula. It can be difficult to find an individual that is genuine and provides a no-frills type of approach, but Dave Ramsey fits that bill.
He has been through a bankruptcy and has felt the pain many Americans are feeling on a daily basis.
Dave Ramsey is a personal finance personality who created a plan that is simple in nature and is effective at helping individuals and families eliminate debt.
In his book The Total Money Makeover, he lays out the Baby Steps, which are 7 steps to help and guide you through the process of eliminating debt and building wealth.