'09 Budgeting spreadsheet is here!

[wutamess]

Originally Posted by Adam

Dave Ramsey makes no apologies for being a businessman, and he shouldn't. It just so happens his business is helping people get out of debt and put their financial lives back on the right track. If he wasn't successful at doing this his business would die instead of continue to grow.

I have never bought anything from Dave Ramsey. His "baby steps" are available for free, and they are really all most people need. His show is also entertaining and inspiring, and costs me nothing.

True.
Besides... Isn't that what EVERY SALESMAN is in a nutshell? They help you and sale their services. He's capitalizing off of helping others. That such a bad thing