re: Dave Ramsey products

I've lightly read some of his stuff. Basically it is personal finance lite for people who either have no clue what to do or lack the right behaviors when they do know what to do.

It's very simple stuff, but it works fine if you're in either category. He admits that you can do better if you learn more but for a KISS philosophy it works fine.

For example, debt is perfectly fine and can even help you if you know how to use it, but most of his customers are struggling with debt used unwisely instead. For them the first step is to just quit digging the hole, not to learn how to use the shovel more usefully.