Dave Ramsey

Dave Ramsey (born September 3, 1960) is an American personal finance expert, author, radio host, and digital content creator. He is best known as the founder and chief executive officer of Ramsey Solutions and as the host of the nationally syndicated call-in program The Ramsey Show, which reaches millions of listeners through radio broadcasts, podcasts, and digital video streaming platforms.

Early Life and Financial Background

Born in Maryville, Tennessee, Ramsey grew up in the Nashville area and attended Antioch High School. He went on to earn a Bachelor of Science degree in finance and real estate from the University of Tennessee at Knoxville. In his twenties, Ramsey established a substantial real estate portfolio. However, after changing banking conditions led to a sudden recall of his financing, he experienced significant financial distress and filed for bankruptcy in 1988. This early financial setback shaped his perspective on debt and inspired his future educational framework.

Career and Media Expansion

Following his personal recovery, Ramsey began offering financial guidance through church counseling sessions and localized broadcasts. In 1992, he launched a radio show initially called The Money Game, which eventually evolved into The Ramsey Show. In 1991, he founded Lampo Group, later rebranded as Ramsey Solutions, to house his media ventures and educational materials. Ramsey is also a prolific author, having written multiple personal finance books, including the best-selling publication The Total Money Makeover, which advocates for structured debt reduction and budgeting strategies.

Digital Presence and Business Operations

Over the years, Ramsey Solutions expanded beyond traditional radio into digital production, operating active video and podcast channels across platforms like YouTube and Instagram. Ramsey's broadcasting network regularly publishes full show episodes, highlights, and educational segments focused on money management, budgeting, and debt-free living. Headquartered in Franklin, Tennessee, his organization employs hundreds of team members and offers financial literacy courses, budgeting applications, and specialized coaching programs nationwide.

Personal Life

Ramsey has been married to his wife, Sharon Ramsey, since 1982. The couple resides in Tennessee and has three children, including financial speaker and author Rachel Cruze. Ramsey frequently incorporates personal experience and faith-aligned principles into his teachings on money and family stewardship.