Dear Dave: It was a surreal honor to visit Ramsey Solutions

Dear Dave,

A couple of weeks ago I was on a sales trip through Tennessee, and wound up with a last minute hole in my schedule.  I did manage to fill a lunch appointment in Brentwood, but had some unexpected time on my hands.


So, I did what any good Dave Ramsey listener/fan would do:  I dropped by the lobby of Ramsey Solutions to view the show.

It was a blast.


But a blast.

You may wonder why it felt surreal?  I’ve listened to you pretty much daily (at least five days a week), first on Apple Podcast, and now exclusively on your iPhone app, during my commute.  I also check out the You Tube channel fairly frequently.

To actually be there, to see Kelly, to meet Melissa and George.  To be offered a free latte (it was great!) and a free baked good was awesome.  THAT was surreal.  

To shake your hand and have you sign the copy of Love Your Life Not Theirs which I bought for my daughter, THAT was surreal.

What was awesome however was how utterly genuine every one was.  How kind. How totally consistent with your mission to help ordinary people win with their finances.

You have an amazing impact on people through your various channels, but a visit to your studio was icing on the cake.

Thanks for all you and your team do to change lives.



Why Does Dave Ramsey Say Cash Is King? I Thought Jesus was King?

why does Dave Ramsey say cash is king if Jesus is King

Dear Dave – I heard you tackle this a bit ago…a criticism about the phrase “cash is king”.  I think your critics are actually people who don’t listen to you much ( or probably to anyone very much).  The comment in question was critical of you because they believed in saying “cash is king” you were denying the place Jesus is actually to play in one’s life.

When you say “cash is king” you offend people, including a lot of Jesus’ followers.  What you are saying is that for most of the world, including way too many in the Christian world, the assumption is that debt is not only “normal” it’s not a problem of a moral nature.  But it is. Continue reading “Why Does Dave Ramsey Say Cash Is King? I Thought Jesus was King?”

Dave Ramsey says this is the most heavily marketed product in history!

Dear Dave – What is the most heavily marketed product in history? Way back in the day I can remember being offended for not being deemed worthy of a Gulf oil credit card (I know, I know, that doesn’t say much about me does it?)

But now you don’t have to wait til you even get to college to get offers for credit.

Here’s why. Continue reading “Dave Ramsey says this is the most heavily marketed product in history!”

Making Your Money Behave: Every Dollar Rocks!

Every dollar by Dave Ramsey makes budgeting easy

Dave – If keeping track of your money is important to get out of debt and to stay out of debt and build wealth, one thing you have to start doing his budgeting. Making your money behave is easier than ever when you use the free budgeting tool you’ve made available called Every Dollar. — Thad

This may not sound like much fun, but for math nerds or people who just are interested in keeping track of where the money’s going or where it should be going, it’s actually pretty easy.

You don’t have to have an app but Dave Ramsey and his crew have made it super easy to budget using their free app Every Dollar.

With Every Dollar, you can create a budget in about 10 minutes or 15 minutes worth of time, and then be able to track your spending based on the budget that you actually prepare. Preparing ahead of time to think about where your money’s going to be going is actually at the heart of succeeding with money, staying out of debt, and actually building wealth. 

Continue reading “Making Your Money Behave: Every Dollar Rocks!”

Turn an Emergency into an Annoyance? What Dave Ramsey says is crazy…

turn an emergency into an annoyance

Dave – You say, the way to turn an emergency into an annoyance is not to have debt and have cash. One thing I am coming to learn as I work through the Baby Steps is that having an emergency fund turns a dumpster fire into a mere spark.  You are crazy smart on this.

In the past, when I wasn’t paying attention to where our money was going, I would have a huge sense of panic every time some minor thing broke, be it the car or the house or something in the house.

That’s a good word – one other people probably need to hear too.

Having cash and no debt is the way to turn an emergency into an annoyance.

It’s common sense, but we don’t live in an era that has much of that.

Until later,


If you are up to your eyeballs in debt and need help, start here.

Keeping Track Of Your Spending: Make It Easy

keeping track of your spending

The most challenging part of making money work for you is actually keeping track of your spending.  We live in a world that screams to make things easy, but the truth is that when things are too easy, we get lazy, we stop paying attention, and we lose track.

It’s losing track that is the problem.  Keeping track of your spending is the first step of getting back in control of your finances. Continue reading “Keeping Track Of Your Spending: Make It Easy”

Changing Money Behavior: That’s the Key to Living Debt Free!

change money behavior

Dave – Changing money behavior is the most important step, isn’t it?

You talk about lots of things on the Dave Ramsey Show, but the part that you always talk about as being most critical to getting out of debt is changing money behavior.

For people not familiar with your plan it is easy to think that the way to get out of debt is to lower an interest payment. I cannot tell you how many offers show up in my mailbox offering to lower an interest rate. And there are tons and tons of offers to consolidate debt.

Dave you are so right: It’s so easy to think you are doing something to get out of debt when you simply consolidate debt. But it never works.

Consolidating debt is not the same as changing money behavior. It’s really more like rearranging the deck chairs….on the Titanic.

Continue reading “Changing Money Behavior: That’s the Key to Living Debt Free!”