Um, YES. I am a big Dave Ramsey fan. The TMM book changed everything. And his radio show (via free itunes podcasts) really keep me going. He goes on his rants sometimes a little over the edge for me, but they don't happen very often. I haven't used credit cards since 2009, I paid them all off, and now I only have about half my school loans left. My parents have more debt than I do. My makes-more-money-than-I-would-know-what-to-do-with engineer ex-husband has more debt than I do. (Ok, honestly, I have no idea how much debt he has, but as of a phone conversation a month ago he still has debt.) Crazy. And a lot of his fans also got other areas in their life on track after following his plan. Like living a healthier lifestyle, for example. Interesting, no? ryanmercer: And as far as being a christian, it's not a requirement to follow his plan. I'm not.