Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Hearing much about Dave Ramsey. Which of his works is best in describing his “philosophy” about money?
His books: The Total Money Makeover - This is a very step by step approach to what he teaches about how to handle money. Financial Peace - This is a more philosophical approach to the same topics.  More idea and less application based. You can catch his radio show online for free - or an hour podcast each day in the itunes store - this is free. You can watch his TV show on Hulu.