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In high school, I had a class called 'dollars and sense', which was literally just Dave Ramsey seminars. If I recall, the whole class was just track income and debt, budget, and never get a credit card. Also, only invest in mutual funds. One bit of advice of his I always really like: never lend money to family or friends. This will create a creditor-debtor relationship that will hurt family. If they are really your family or friends, then just give them some money.
This clip seems awful. Perhaps it is lacking context? Or maybe he is just a piece of shit.
I remember a high school class back in 2015 where we watched Ramsey clips and he said that if you go to the store, you should try to negotiate down the price by showing the cashier and/or seller that you have cash on you.
Has Ramsey never been to a retail store anywhere in the US?
they play this guy on the radio and it is just basic financial advice. "Pay debt because interest" level stuff. He doesn't seem completely awful but he's at least a bOoTsTraPs guy. Doesn't ever consider that people can be suck in debt situations that are mathematically impossible to get out of because of low wages (ie wage slavery).