I was doing the Dave Ramsey plan before I ever heard of him. Never borrow money, no credit cards an get my ass up at 4 am go to work . Dave has made himself a millionaire just by something that should be taught in schools an at home when ur young . If you was raised poor like I was it did t have to be taught .i figured out early I didn’t want live poor . Live on less than your make is not a hard concept to grasp. I used feel sorry for people that lived day to day but not anymore . They made their choice.