<prompt> Human: So my work offers full access to Dave Ramseys SmartDollar program. They said up front they wont try to sell us a single thing. I need structure to try to get my finances in order, and as flashy as the program is it makes sense so far. Has anyone else heard of it or have any thoughts about it? Is there anything better youd suggest?  <response>: Generally speaking, this sub is pretty good with Dave Ramseys advice for getting out of debt. Hes helped a lot of people, even if he does make money doing it.The biggest area that people here have a complaint with is his investment advice. Honestly, its pretty bad, and will cost you a lot more than following the recommendations in the sidebar.TL;DR: Dave Ramsey is great for beginners in the road to responsibility with their personal finances, but youll outgrow his investment advice by the time you get to that step. 