 Here's Dave Ramsey with today's Ramsey Reality Check. See, I don't really care what your theories are about money if you're broke. Money really is fairly simple. It's just hard to do. There's only about four or five things you've got to do to win. You have to live on less than you make. You need to live on a plan. You need to get out of debt. You've got to learn to save and invest. And you can't do that when you're in debt, don't have a plan, and don't live on less than you make. Dave Ramsey, weekday afternoons at 1 on KRDO Newsradio.