Comments: 1.

Name of Radio Show: The Dave Ramsey Show
Subject Matter: Practical answers for life’s tough money questions
Samples of Topics: Money Management; How to Save; Helping Family Members; Starting a Small Business; Buying a House

Dave Ramsey hosts a nationally-syndicated radio talk show and is the author of New York Times bestselling books, Financial Peace Revisited and The Total Money Makeover. Every night for three hours he gives life-changing advice in the area of personal finance, debt, and wealth building.

Dave Ramsey was heavily involved in the foreclosure real estate market in the 80’s and by the age of 26 had a real estate portfolio worth more than four million dollars. The Tax Reform Act of 1986 brought about major changes in the real estate market and he lost everything and had to start from scratch.

From all he learned from these experiences Ramsey became involved in advising people about their personal finances. He soon founded a financial advice group in 1991 called the Lampo Group. He started a syndicated radio talk show in 1992.

The lesson that Dave wants you to learn is the danger of debt. He believes that if you can’t afford to buy something, don’t buy it.

Dave offers a series of seven steps to follow:
1. Start with an emergency fund of $1,000
2. Start and complete paying off your debts except for a house mortgage
3. Build your emergency fund equal to six months of salary
4. Invest 15% of your gross income in 401ks (up to the match), Roth IRAs, and then in mutual funds
5. Fund a portion of your children’s college education
6. Pay off the home mortgage
7. Build wealth by investing a significant amount of your income once you have no debt at all

If you realize that you need help to get out of debt, Dave Ramsey’s radio talk show may be your best choice.

Comments: 1.

Name of Radio Show: Clark Howard Radio Show
Subject Matter: Make money, save money, and avoid scams
Samples of Topics: Save on real estate transactions; Collection abuses; Bank ratings; 5 Steps To Building a Freelance Career or Business
Where to Listen

Clark Howard is nationally syndicated money expert that shows you how to make money, save money, and avoid scams.

Clark was raised in an upper middle class family, but when he came home one Thanksgiving from American University he discovered his father had lost his job. This meant that Clark would either have to drop out of school or find a way to pay for this high priced school himself.

Clark got a full-time job working for the Air Force as a civilian employee and he attended school at night. Soon he found a better paying job at HUD. This experience taught Clark the value of his education, and the fact he didn’t want to work for the government.

After completing his college studies Clark worked for IBM as a bill collector and got all of his tuition paid for to get a MBA from Central Michigan University. After graduating he worked as a social worker for several years. In 1981 he decided that working for himself was the best financial choice, so he opened a travel agency. That business grew to 5 offices.

In 1987 he sold the travel company and retired at the age of 31 and became a beach bum in Florida. He spent his days swimming, beaching, and biking with no intention of ever having to work again.

Family responsibilities brought him back to his birthplace of Atlanta. There he got a call from a local radio station to appear as a guest for a travel show. From that single guest appearance, he built a new career as a host of his own Sunday travel show. His show then turned into a 5-day/week show about money. That was how The Clark Howard Show was born.

Clark has written 8 books, including several New York Times bestsellers and has a popular web site. Currently his radio show is heard on the Headline News Channel every night from 5 to 7 pm.

The lesson that Clark wants you to learn in your life is that “you don’t have to be stuck in a rut. If you do what you love, the money you need to survive will generally follow”.