I want to thank Dave Ramsey for all that his ministry has done to help provide hope to millions worldwide. I started listening to his radio show last April, and it has literally changed our family’s life. We are following through his baby steps and are now out of debt, praise the Lord! The show helps to keep me motivated on many different levels. I also write down the authors and books Dave recommends. Almost all of the reading I’ve done has been from either director or indirect recommendations he has made.