Dave Ramsey

Monday - Friday 7pm-10pm

Dave Ramsey can be heard on 106.3 WORD every Monday through Friday from 7pm to 10pm!

I have an unusual way of looking at the world. My wife, Sharon, says I'm weird and truthfully—I am weird. But there's a reason. Starting from nothing, by the time I was 26 I had a net worth of a little over a million dollars. I was making $250,000 a year—that's more than $20,000 a month net taxable income. I was really having fun. But 98% truth is a lie, and that 2% can cause big problems, especially with $4 million in real estate. I had a lot of debt—a lot of short-term debt—and I'm the idiot who signed up for the trip.

The short version of the story is that debt caused us, over the course of two and a half years of fighting it, to lose everything. We didn't tell anyone what was going on, but if we had to do it again, we would learn from the wisdom of others who have been through it. We soon learned that we were not the only ones at the bottom. Barbie and Ken (you know, the couple who appear to be perfect—perfect clothes, perfect car, perfect house) are broke, and I don't take financial advice from broke people anymore.

After losing everything, I went on a quest to find out how money really works, how I could get control of it and how I could have confidence in handling it. I read everything I could get my hands on. I interviewed older rich people, people who made money and kept it. That quest led me to a really, really uncomfortable place: my mirror. I came to realize that my money problems, worries and shortages largely began and ended with the person in my mirror. I also realized that if I could learn to manage the character I shaved with every morning, I would win with money.

I went back to my first love, real estate, to eat and to get out of debt. Along the way, I began another path—the path of helping others, literally millions of others, take the same quest to the mirror.

I formed The Lampo Group in 1992 to counsel folks hurting from the results of financial stress. I’ve paid the "stupid tax" (mistakes with dollar signs on the end) so hopefully some of you won't have to. I wrote the book, Financial Peace, based on all that Sharon and I had learned, and I began selling it out of my car. With a friend of mine, I started a local radio call-in show called The Money Game, now nationally syndicated as The Dave Ramsey Show.

Our company history is full of landmarks leading up to the release of our third best-selling book in 2003—The Total Money Makeover—and we're not slowing down. The Lampo Group now has nearly 300 team members and a variety of products and services to help you reach your financial goals.

Many companies define success based on the dollars coming in, but at The Lampo Group, we define our success by the number of lives changed: listeners getting out of debt, readers taking their first Baby Step and saving $1,000, FPU graduates investing for their future. We learned early on that if we help enough people, the money will come. Our mission statement isn't just lip service—it's our mantra:

"The Lampo Group, Inc. is providing biblically based, common-sense education and empowerment which gives HOPE to everyone from the financially secure to the financially distressed."

Thank you for visiting our website! Wherever you are in the process—making the quest to your mirror, struggling to get your budget to work, paying off that last debt, debt free and looking for places to give—let us know how we can help you take that next step in your money makeover. That's what we're here for.

    Blog Post
    February 26, 2019 - 11:45 am

    Dear Dave,

    I’m single and a firefighter, and we have a pension plus a 457(b) retirement plan. I’m not contributing to the 457(b) right now, because I’m following your plan...

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    Blog Post
    February 19, 2019 - 11:54 am

    Dear Dave,

    I just realized our insurance has a health savings account (HSA) option. We’ve considered dropping this insurance soon and going to a cheaper Christian medical...

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    Blog Post
    February 12, 2019 - 2:49 pm

    Dear Dave,

    I know you’re against financing purchases. However, is it okay to finance things like furniture at zero percent interest?

    Detrick

    ...

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    Blog Post
    January 29, 2019 - 1:47 pm

    Dear Dave,

    My daughter is in college, and I’ve always warned her to stay away from credit cards. Recently, I learned she got a department store credit card despite my advice...

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    Blog Post
    January 22, 2019 - 12:45 pm

    Dear Dave,

    My father-in-law wants to help us with our mortgage. We’ve been working hard to pay off our home early, and we’ve reduced what we owe to around $35,000. His idea...

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    Blog Post
    January 11, 2019 - 3:19 pm

    Dear Dave,

    My husband and I have about $20,000 in credit card debt, plus payments on a new truck. We also have a camper he bought before we got married that we’re still...

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    Blog Post
    January 08, 2019 - 2:50 pm

    Dear Dave,

    How do you feel about timeshares, and the free trips and dinners they offer as part of their sales pitches? Is it possible to win with these things?

    Dan...

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    Blog Post
    December 28, 2018 - 10:59 am

    Dear Dave,

    My mom is 75, and I’m the executor of her estate. She has $500,000 in retirement accounts, and the only debt she has is around $70,000 on her mortgage. Most of...

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    Blog Post
    December 21, 2018 - 11:54 am

    Dear Dave,

    I’m almost debt-free, and I’ll be finishing my master’s degree soon. I’m not from this country, so I’ll be returning home in the next three to five years....

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    Blog Post
    December 17, 2018 - 4:11 pm

    Dear Dave,

    I’m on Baby Step 1 of your plan, and I work at a community college that takes a mandatory 20 percent from our pay for retirement. I know you say

    ...
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