Anyone who's known me for more than a week knows I'm a Dave Ramsey fan. In 2001, I discovered Dave's book Financial Peace in the bargain bin of a remaindered-book store and bought it for $4. (Appropriate, given Dave says "Never pay retail"!) At the time, I had an awesome job right out of college and no student loan debt. I had a 2 year note on my yuppie-mobile Volkswagen (but hey, I *deserved* that car, right?) I did pretty much anything I wanted, anytime, by simply swiping a credit card. However, I kept wondering where all my money went. I didn't have a budget, and I had nary a wisp of a financial plan. Money just flowed like water into, then out of, my hands. Dave set me straight. I got on a budget, still had plenty of money to play with, but I started saving. I paid off the VW, then bought my next car with cash. * * * Fast forward 7 years. I see some of the darker, more difficult sides of the Dave Ramsey plan, and I'd like to talk about them....