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
    October 16, 2018 - 12:17 pm

    Dear Dave,

    I can’t decide what to do about my car. I owe $8,000 on it, and I have the cash to pay it off with plenty left over. One of my co-workers said I shouldn’t pay it...

    READ MORE
    Blog Post
    October 01, 2018 - 12:56 pm

    Dear Dave,

    If someone is following your plan, is it a good idea to get mortgage disability insurance during Baby Step 2?

    Craig

    Dear Craig,...

    READ MORE
    Blog Post
    September 25, 2018 - 2:55 pm

    Dear Dave,

    I follow your advice and live on a budget, but it’s really hard to save up for a down payment on a house because property is so expensive here in New York. My...

    READ MORE
    Blog Post
    September 18, 2018 - 12:07 pm

    Dear Dave,

    My husband started his own one-man, small business as a handyman a little less than a year ago. He has netted $17,000 in that time, but the business has about $13...

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    Blog Post
    September 11, 2018 - 2:17 pm

    Dear Dave,

    I’m stuck in a dead-end job, and I only have a high school diploma. I’ve never minded long hours and hard work, but I’ve begun to realize I need to have a better...

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    Blog Post
    August 28, 2018 - 3:27 pm

    Dear Dave,

    How do you feel about taking money out of savings to pay off credit cards?

    Peggy

    Dear Peggy,

    I’m okay with this under...

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    Blog Post
    August 21, 2018 - 5:07 pm

    Dear Dave,

    My wife and I are following your plan, and we just paid off all our debt except for the house. Since we work for the same company, do you think we should have an...

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    Blog Post
    August 14, 2018 - 1:07 pm

    Dear Dave,

    My wife and I are not on the same page when it comes to money and our two teenage daughters. I think they should be learning the value of work and money, but she...

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    Blog Post
    August 07, 2018 - 12:34 pm

    Dear Dave,

    Do you believe the adult child of a senior citizen, who is physically and mentally healthy but has neglected to plan for retirement, should be burdened with...

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