Ramsey Network Rant - PLT 103

Dave Ramsey has changed hundreds of thousands of lives, I don't deny that, but when we break down some of the advice given, does it apply to everyone or only a small percent? I have issue with four specific pieces of advice given to callers or those emailing into the show. After breaking down the baby steps and what I like or dont like, I have a long winded conversational rant about those four things that just dont sit right with me.