That man (Dave Ramsey) and his teachings have literally changed my life!!! He was a source of not only hope, but he had practical & common sense solutions to financial problems that my wife and I had been struggling with our entire adult life! But I will warn that it only works when you go "all in", you can't pick and choose what suits you. I, too, got a salesman vibe from him many years ago when I first heard him, but we changed our financial life around without spending one dime. Like PHB who first posted, I encourage anyone who is need of a little financial hope above and beyond the Christmas season, to spend some time with DR, he has the tools to equip you for financial success! (I sound like a salesman now! LOL).
TJ