 Here's Dave Ramsey with today's Ramsey Reality Check. Most people are broke and in debt. Most people have a spare bedroom for Sally Mae. The student loan's been around so long they think it's a pet. Most people think car payments are a way of life. Most people fight in their marriage daily or weekly about money or have given up fighting about a decade ago and it's gotten cold. Most people don't win with money. Most people aren't wealthy. So find out what most people are doing.