 Here's Dave Ramsey with today's Ramsey Reality Check. Most people are out of debt using this system, not counting their house, in under three years. But this system entails this unbelievable focused intensity. And the more focused you are and the more intense you are, the deeper you sacrifice and the less you care about what other people think, the faster you get out. Dave Ramsey, weekday afternoons at 1 on KRDO Newsradio.