She's also using Dave Ramsey's program to pay down her debt, and provides some insights about that process. What doesn't come up, though, is how much it costs to participate in one of Dave Ramsey's classes. I've always thought it ironic that Ramsey offers such a costly array of products and services to an audience that has demonstrated a sub-optimal command of personal finance. Not that I want to get into a fight with any Dave Ramsey fans; I know his system can be very effective, and he has a lot of good advice. I just think his products are expensive.