Dave Ramsey is a miserable little prick.
Meh. Decent intentions. With an agenda for sure. But not some hateful "little prick" as you suggest.
Like I have said, not a follower or fan but I appreciate parts of the message.
Your post, on the other hand, suggest a very deep seeded personal issue that the 24HCF probably can't solve in your singular, cryptic post, Mr. 3.14159265359