d: drstevej, Dave Ramsey is an annoying mix of excellence and arrogance. I listened to his radio show years ago when it was called, "The Money Game". At that time, he wasn't that far removed from having lost everything. As the show progressed, the compassion in his voice began to fade. He became more harsh and demanding with the ladies whose husbands were not heeding his channelled advice. He also talked more about how his hard work entitled him to frivolous irems.