I enjoy listening to Dave, he’s inspiring and really gives great advice. I’m going to purchase the book because, I too HATE DEBT and want to encourage my friends and family to think the same. My only issue with Mr. Ramsey is that he should let his callers talk, and not cut them off as much. I understand there’s only so much time and some can be long winded. But, there were a few callers that were cut off while speaking and I wanted to say Dave LET THEM FINISH!! This is the only reason he gets 4 stars instead of 5. Dave along with the other host you have at Ramsey Solutions, keep up the good work and I’ll continue to listen.