<prompt> Human: I always here a mixed review locally where I am from, but curious to what you Redditers feel. Edit: I have heard things from he is gods gift to financial success to he is just another guy promising success while he takes money from you to buy his books and courses.  <response>: If you are severely in debt, his baby steps will save your life. Once you have a good understanding, and you become more disciplined, you can ignore his comments regarding credit card usage. Credit cards, when used wisely, can be very beneficial for gaining some extra cash for your every day gas, groceries, bills expenses. Ramsey also comes from a religious conservative background which turns people off, but his baby step advice for getting out of debt is great advice for those who need it. 