@PNS Dave Ramsey's advice is very out of touch but he's okay for clueless people. I heard a clip yesterday where someone called in saying they made 80k and wanted to splurge on a sports car with their 30k savings. Ramsey is going through quick Q&A with the guy and says "so it's obvious that your salary should be up 10k in the next 5 years, right?"
I couldn't hold back my laughter. Honestly it's just retarded.