Dave Ramsey is the President of the Lampo Group, Inc., the host of The Dave Ramsey Show, a syndicated radio program concerning personal financial management, and the author of many books about personal financial management. Dave’s program and books are designed to provide accurate and authoritative personal financial information with regard to the subject matter covered. The information is given with the understanding that Dave is not engaging in or rendering legal, accounting or other professional advice. Dave stresses that since the details of an individual’s personal situation are fact-dependent, each listener and web visitor should seek additional services of a competent professional. Dave has authorized Zander Insurance Group to use the statements appearing on this website. Dave Ramsey and his company receive no compensation from Zander Insurance Group for the use of Dave’s comments on this website. However, we do want you to know that Zander Insurance Group is an advertiser on The Dave Ramsey Show. You may obtain more information about Dave Ramsey and his show at www.daveramsey.com. Dave Ramsey and the Lampo Group, Inc. do not offer or sell any insurance products or receive any compensation from Zander Insurance Group derived from or dependent upon the sale of any insurance product or other services.