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Hearing much about Dave Ramsey. Which of his works is best in describing his “philosophy” about money?
Start with his website, specifically his seven steps. Most everything else is around motivating people to actually do the plan. As he often says personal finance is 80% personal and 20% finance, by which he means that things that make sense financially (paying off high interest debt first) don't necessarily motivate action (so instead pay off the smallest debt first to get motivation). Really the rest is details around those seven concepts. On his site there is a link to a free one-hour podcast for the iPod, and you can pay for the full three hours of his radio show on podcast. He started on radio, and it is probably his best format. The reason Dave Ramsey has limited appeal beyond the US is that he is explicitly evangelical. He views his system as an extension of his Christian beliefs. That sells very well in parts of the US, but doesn't port very well. There is actually nothing religious in his program, other than the occasional reference to biblical verses in an attempt to tie his program into his religion, but people who are really interested and want to teach his program, not just practice it, are going to find they need to be an Evangelical (or at least a Christian) to fit in. Addendum: I should mention that Dave Ramsey is changing the FPU program (and I expect it will trickle into other things) to be more explicitly (although apparently not overtly) religious and have a stronger emphasis on budgeting. See here.