In high school, I had a class called 'dollars and sense', which was literally just Dave Ramsey seminars. If I recall, the whole class was just track income and debt, budget, and never get a credit card. Also, only invest in mutual funds. One bit of advice of his I always really like: never lend money to family or friends. This will create a creditor-debtor relationship that will hurt family. If they are really your family or friends, then just give them some money.

This clip seems awful. Perhaps it is lacking context? Or maybe he is just a piece of shit.