This article adheres to strict editorial standards. Some or all links may be monetized. If you're in debt, you're not alone. Experian reports that the average U.S. consumer pays $1,237 in monthly debt ...

Dave Ramsey has built an empire on giving blunt, often abrasive advice on how to manage money and grow wealth. For every loyal follower, there's a critic ready to pounce, arguing that his guidance is ...