 Here's Dave Ramsey with today's Ramsey Reality Check. Most people are broke and in debt. Most people have a spare bedroom for Sally Mae. The student loan's been around so long they think it's a pet. Most people think car payments are a way of life. Most people fight in their marriage daily or weekly about money or have given up fighting about a decade ago and it's gotten cold. Most people don't win with money. Most people aren't wealthy. So find out what most people are doing and do the opposite. For more common sense advice on life and money, go to DaveRamsey.com.