Not at all. What you're seeing is the equivalent of a fan club, a membership fee to get access to a community message board, commercial-free access to archives of his radio show, etc. Ramsey is an author, radio show host, and TV show host on the Fox Business Channel. I wouldn't call selling books a scam, and the contents of those books can actually be obtained for free by listening to his shows (and probably browsing the free areas of his web sites). Ramsey's over-arching tenet is to live debt-free. His steps include: - building a small emergency fund while banishing credit cards from your life and budgeting strictly - then paying off all debt by starting with your smallest and working to your largest. He admits that mathematically, you could come out ahead by comparing interest rates, but psychologically you're better off ignoring interest rates, paying off the smallest loans with extra going to principle, "snowballing" that payment into the next highest to combine with the minimum you were making there and on and on until you're debt free except for your home. It's about seeing debt disappear before your eyes. - then building a real emergency fund of 3-6 months' expenses - then paying off the house. Ignoring the mathematics of investing at a higher rate than mortgage borrowing -- it's psychological -- pay off the home and OWN it, no more payments, no risk. Definitely debateable, but most of us would not refinance our home to take out $50,000 to invest in the market, so why would we invest $50,000 of our income in the market before putting it towards principle on the house? - then, with NO PAYMENTS in your life, build wealth investing 15% income, give generously by donating to charities, and have fun with all the money you're not giving to banks and credit card companies! He preaches never borrowing for a car (and definitely not leasing), instructing instead to buy a $1,000 beater until you can save for an upgrade (and then save for another upgrade...). The overall motto is "act your wage" -- if you're borrowing for something, you can't afford it and shouldn't be buying it. (Exception of house.) He's also constantly stressing hard work and picking up extra jobs. Filing bankruptcy is almost never necessary in his eyes. There's a lot more that he offers in his teachings. It's common sense stuff, but he's got a gift in his firm and inspiring delivery. I recommend anyone go to www.daveramsey.com/tdrs and listen to archives of his radio show (it's free).