So why are some of the best investment minds attacking him?

Dave Ramsey knows how to capture your attention.

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Normally he uses that skill in the service of doling out financial advice to the more than 7.7 million people who tune in to his radio show every week, which makes him the third most popular radio personality in the country, behind Rush Limbaugh and Sean Hannity and ahead of Glenn Beck. Or to
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In June, however, Ramsey took to Twitter and engaged a very different audience: financial advisers.

help more people in 10 min. than all of you combined in your ENTIRE lives, Ramsey tweeted at a group of advisers in response to a discussion they had kicked off about him. For good measure, he ended his tweet with
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Carolyn McClanahan, a financial planner from Jacksonville, had
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When MONEY readers were
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Yet he gives investment advice that drives many financial advisers crazy, and with some cause. In
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Ramsey scrap with advisers is also over who are best qualified to give investment advice and how they should be paid. The radio star has aligned himself, and
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The culture warrior of personal finance

This is quite a turn for a
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By the time Ramsey was 26, he has written, he had become a real estate millionaire, but the leverage inherent in the business caught up with him. Ultimately, Ramsey has said, he had to declare bankruptcy.

Ramsey, who declined to be interviewed for this story,
Acquisto nel nostro deposito attaches a simple lesson to this: Debt is corrosive, almost to the point of being a moral failure. borrower is slave to the lender, Ramsey says, invoking
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Ramsey is overtly religious, and his for profit Financial Peace University is billed as biblically based curriculum that teaches people how to handle money God ways. 53, got his start in radio with a show in Nashville in 1992. By the time he came to the attention of the coastal elites in the mid 2000s, his show was already a national force, with 2 million listeners. Ramsey tells people that no matter the state of their financial lives, there is hope for recovery if they will just take responsibility and start to take action.

is talking about the basics of morality and character, says Michael Harrison, the publisher of Talkers, a radio industry trade magazine, and someone who has followed Ramsey for years. core message is of culture: We are a society that is drowning in debt. Major institutions are in debt. The radio stations that carry his
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Acheter Chaussures Femmes Réel 2014 Nike Free Run Gym Bleu Blanc Hommes Avec Un Service Professionnel culture. credibility is a valuable commodity. Zander Insurance Group, a Nashville based company that sells term life insurance, has Ramsey face and warm endorsement plastered all over its website. Co owner Julian Zander, who calls Ramsey buddy, my mentor, attributes all of his company
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Ramsey also lends his name to a mortgage company, a business that buys gold, and family web filtering software. Top financial advisers counsel the affluent about the fine points of how to invest their money, maybe along with estate planning and sanding down tax bills. Ramsey focuses his advice mainly on people struggling to get out of costly consumer debt. His bestselling book The Total Money Makeover
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First you have to follow Step 1 and save that $1,000. Step two is to pay off all your debts besides your mortgage, and step three is to build up an emergency fund that has six months worth of expenses in it. Only then can you move on to investing.

It likely that many of Ramsey listeners are on step three or earlier, dreaming of the day when they might start investing. households with unsecured debts owe $7,000 or more. workers said they had less than $25,000 saved.

Under Ramsey plan, you budget carefully, cut up all your credit cards,
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You don have to be living on the financial edge to find such advice helpful. sounds unbearably tedious, wrote economics columnist Megan McArdle in a blog post. it actually incredibly freeing. I have never before felt like I had total control over my money. like it 1999

For many in Ramsey audience, being able to invest is the brass ring. Where you actually stash your extra money after you slain the debt and built up your bank account is a luxurious detail. But it worth saying this forthrightly: Ramsey investing advice is
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Some of Ramsey message is solid: He pointedly skeptical of often high cost products like variable and index annuities. Other tips, though, are strangely vague. businesses or one buying Brazilian and Chinese conglomerates.

More consequentially, Ramsey advocates a portfolio of only stock funds, with no bonds. (He does say that those with low risk tolerance might add a balanced fund, which includes some bonds as well as stocks.) Given the volatility of stocks, that aggressive advice, to say the least.

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