I enjoy listening to Dave Ramsey's radio program (listen to his archives here: http://www.daveramsey.com/radio/home/index.cfm?FuseAction=dspContent&strMode=dspShowArchives).
I've also read his books.
I follow his "debt snowball" plan and I can attest that it works.
But I do have my criticisms. First, and most obviously, he is way too conservative politically for me; second, I could do without all the overt religious messages. But those are trivial compared to the third: I disagree with his advice to fore go payments to a retirement fund in favor of paying debt.
I think that for someone like me, who is getting such a late start on retirement savings, I cannot afford to put off those payments even longer while I pay my debts. Right now, I contribute $1000 pretax per month to my retirement 401 (k). Theoretically, if I paid that same amount toward my credit card debt, I could get rid of the indebtedness in the next 14 months. It doesn't quite work that way because I do use pre-tax dollars for the 401 (k). If I stopped the contributions tomorrow, I would not have an extra $1000 per month in my paycheck to apply to my credit card debt. But more importantly, I would also lose the advantage of 14 months of compound interest and (I hope) increased value in my stock mutual funds.
I can see why, for simplicity if nothing else, Ramsey sticks with a "one size fits all" financial plan. But I can't see that his entire plan quite fits me.