what you need to ask is did thid "dave ramsey" make his money from his seceme or from books,or the lottery.
The plan was devised from his own hard learned lessons. The books and seminars are (from his point of view certainly), gravy, and you are something like 400 times more likely to be struck by lightening that you are to win the lottery.
The book (and concept as a whole) is sold as a step by step way to become debt free and financially secure for life and beyond. The argument being that once you have no debt, you free up your entire income, which can then be spent/invested/donated as you see fit.
The only person the plan depends on is the individual concerned.
The end result should be...
1. Decent insurance against life, so life/medical/disability...
2. A readily accessible amount of cash, (sitting in a bank account, ) for example, to cover 6 months of bills/unexpected events/insurance excesses.
3. Have NO debt, so bills are simply that... Council tax/utilities/food/fuel/car and house maintenance etc.
4. Have the mortgage paid off.
5. A fully funded pension plan.
6. Be financially ready for kids going to University, enabling them to come out the other side completely debt free.
What could you do if you had no mortgage, no credit cards, no car payments? Or should the real question be..
What
couldn't you do?