Dave Ramsey is some I look at as a real life hero. Ramsey is an American businessman, author, motivational speaker, Etc. He helps people out with financial problems. Dave wasn’t always someone who helps others; it wasn’t until he experiences himself. Dave started off as a young realtor with a portfolio worth more than $4 million. With all that money coming in he bought himself and his wife fancy jewelry, nice cars, fancy dinners, and exotic vacations. It wasn’t until 1986 when the Tax Reform Act came into place that he financially in debt. He had to file for bankruptcy when a large bank who bought of his creditors ask for $1.2 million than after that another bank demand $800k. After recovering from his financial debt, he started counseling