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Dave Ramsey is a entrepreneur and businessperson who gathered a $4-million real-estate profile, only to lose everything - and nearly everything else he managed - by causing the same mistake millions of Americans make every day: he received too much into credit debt to get out. Dave Ramsey is also a Christian family man who, through the turmoil of his financial nightmare, discovered a new way of life. He shared the lessons he learned by writing Financial Calmness, a straightforward but powerful guide that offers sensible lessons on ways to get out of credit debt - and stay away.