<prompt> Human: I have read online about Dave Ramsey being somewhat of a scam artist, and was wondering if other people had knowledgeopinions of what he teaches. Im only a junior, yet just from this course alone I have gained interest in economics; Ill be taking microeconomics next semester. All Im simply wondering is if what Mr Ramsey teaches in his seminars is genuine good advice. Thanks. Tl;dr Is Dave Ramsey a dumbo or have practical advice?  <response>: Dave Ramsey is not a scam artist. Every personal finance personality guru has their own way of doing things thats how they get famous. You basically take everything and decide whats right for you. 