If you've flipped around your AM radio dial lately, you've probably run across a program whose host has a southern twang and a folksy style. When his callers ask him how he's doing he answers, "Better than I deserve."

If you listen longer you'll find the callers are asking for advice on money. There's a lot of talk of car loans and student loans and insurance. The host's advice is tough, but it's dished out with lots of compassion and humor. If you're listening on a Friday you'll hear the payoff: lots of shouts of "I'm debt free!"

You're listening to The Dave Ramsey Show.

Dave Ramsey is a former real estate investor who went bankrupt and rebuilt his life without using debt. Any debt. Not even a mortgage. His advice on how to do that has turned into a media empire that includes a syndicated radio show, a daily TV show on Fox Business Network, and several books include the bestselling Total Money Makeover.

Ramsey's plan for getting his callers, readers, and viewers out of debt includes a simple system of seven "baby steps". His debt elimination advice isn't sophisticated and isn't sexy, but it's effective. And in today's recession-ravaged economy, his message is especially timely.

Some criticize the Dave Ramsey Baby Steps as being too simplistic. But in reality, that is their strength. People who apply focus and follow the steps will get out of debt. It's a proven system.