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Finance guru Dave Ramsey shares hard-won wisdom on avoiding financial disasters by living below your means, saving money, and avoiding debt. Drawing from his experience losing everything at age 28 in the 1980s S&L crisis, Ramsey explains how economic panics trip our emotional responses and cloud judgement, but we can choose to learn from wake-up calls. He advocates leaning into fear and anger to gain perspective, straightening out our priorities, and building fiscal responsibility like a brick house to weather every storm. Ramsey inspires listeners by evoking common sense values of frugality and self-control modeled by previous generations. With disciplined money management and a long-term outlook, he promises we can all achieve financial peace of mind.