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Dave Ramsey’s 12% Solution

Thousands of people swear by the philosophy of Dave Ramsey, an up-by-the-bootstraps kind of guy who doles out tough financial advice about getting out of debt and living within your means. His legions of fans call his nationally syndicated radio show to seek his advice, attend his self-help seminars in both big arenas and small church classrooms and buy his best-selling books and DVDs. He’s part entertainer, part financial coach.

Mr. Ramsey has become immensely popular by giving out advice that includes “baby steps” to financial freedom, like saving $1,000 in an emergency fund and getting rid of credit card debt. His Web site says his company, the Lampo Group, provides “ biblically based, common-sense education and empowerment which gives HOPE to everyone from the financially secure to the financially distressed.”

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