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Dave Ramsey is a personal finance expert, radio personality, and author. He is the host of The Dave Ramsey Show, a nationally syndicated radio program that has been in syndication since 1992. Ramsey has written several books, including The Total Money Makeover, which has sold over 3 million copies. He is also the founder of Ramsey Solutions, a financial education company that offers a variety of products and services to help people get out of debt and build wealth.

Here are some of the key points of Dave Ramsey's personal finance philosophy:

* Live below your means.
* Pay off debt from smallest to largest.
* Build an emergency fund.
* Invest for retirement.
* Give back to others.

Dave Ramsey's advice has helped millions of people improve their financial situation. He is a trusted source of financial information for people of all ages and incomes.