<prompt> Human: So, Im 22, recently graduated, and was looking to start getting more financial knowledgeseeing that I never took an econ class in college. My father has taught me some things, but I want to learn more. And I just found about Dave Ramsey, the so-called finance guru. So I was wondering, how legit are his teachings about finances? Thanks!  <response>: Hes legit. He can be absolutely annoying at times, but his basic principles work. 