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
    June 12, 2018 - 12:02 pm

    Dear Dave,

    My father died recently. He walked out of my life 25 years ago when I was a teenager, and he never wanted anything to do with me after that. His brothers, who...

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    Blog Post
    June 05, 2018 - 11:36 am

    Dear Dave,

    I just graduated from college, and I’ll be starting my first real job soon. What can young adults, who are just getting started, do to avoid money problems now...

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    Blog Post
    May 29, 2018 - 1:17 pm

    Dear Dave,

    My wife and I want to begin teaching our son how make a budget and live on one. He’s 16, and he has a part-time job and a hand-me-down car. Is this a realistic...

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    Blog Post
    May 22, 2018 - 12:42 pm

    Dear Dave,

    My husband has an old car that has become a real sticking point between us. He bought it for $2,400, and it needs about $4,000 in repairs and restoration....

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    Blog Post
    May 15, 2018 - 12:08 pm

    Dear Dave,

    I’m 28, single, and I just became debt-free. In addition, I make $70,000 a year and have the equivalent of six months of expenses set aside for emergencies....

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    Blog Post
    May 08, 2018 - 2:32 pm

    Dear Dave,

    My parents have always been bad with money, and recently they lost their home to foreclosure. They found another place to live, and they both work, but since the...

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    Blog Post
    May 01, 2018 - 2:43 pm

    Dear Dave,

    When is it okay to have a little fun, and buy things you want, when you’re following the Baby Steps plan?

    Kaitlin

    Dear Kaitlin,...

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    Blog Post
    April 24, 2018 - 11:17 am

    Dave,

    Why don’t you recommend having short-term disability insurance while doing the first three Baby Steps of your plan? It seems like a good time for it, when you’re in...

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    Blog Post
    April 17, 2018 - 11:11 am

    Dear Dave,

    My husband and I are just starting Baby Step 1 of your plan. Prior to this, we told my two nephews we would buy them laptop computers for college. They don’t get...

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    Blog Post
    April 11, 2018 - 9:49 am

    Dear Dave,

    I bring home $4,100 a month in military disability pay and Social Security combined. My wife brings home an additional $2,000 each month. Should we base our...

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