Dave Ramsey (born David Lawrence Ramsey III on September 3, 1960, in Antioch, Tennessee) is an American personal finance expert, author, and radio show host. He is best known for his practical advice on debt reduction and financial management, which he shares through his radio program, "The Dave Ramsey Show," and his books, including "The Total Money Makeover". Ramsey's financial philosophy emphasizes living debt-free, budgeting, and saving. He experienced financial success early in his career but went bankrupt in his late twenties, which led him to develop his financial principles. He founded Ramsey Solutions and has helped millions of people take control of their finances through his teachings and resources.