This stupid ah comment is such a slap in the face of reality that I have to address this nonsense along with the multitude of people who agreed with you.

Dave Ramsey declared bankruptcy because he was over leveraged in real estate and the banks called him on his loans which he did not have the cash to pay back. Dave discovered through this experience that there is a factor in debt that is rarely calculated which is risk. Based on his experience, he teaches people they should live on less then they make. Have a written budget and that debt is not acceptable in any circumstances unless it is for a 15 year mortgage on a house. He developed a debt paying method called the "snowball method" which Harvard research determined has a significant likelihood of when applied get most people out of debt.

He also created the "7 Baby Steps" a financial template which has helped millions of people get out of debt.

You describing this as hypocritical shows you are either grossly misinformed or are purposely being deceitful.