Dave Ramsey has ascribed to an unbelievably unrealistic view of peoples' responsibilities for their financial outcomes, as well as what they should sacrifice to be solvent. All this coming from a huckster who sells rainbow snake oil.

We live in a world now where we get half the porridge our parents did, and he's teaching us how to starve and hide porridge in our pockets for rainy days. He's part of the problem and a distraction.