Robert Pearce

Don't get me wrong, the majority of this book is packed with great advice. But there are a number of things that Ramsey gets dead wrong - Don't take his word as gospel, and make sure to read at least a couple of other books on personal finance to get a balanced view. There is also a tone of arrogance and condescension throughout, which I really didn't appreciate. I'm in the UK, and would definitely recommend the writings of Pete Matthew or Laura Whateley over Ramsey, to get a more level-headed and UK-centric view of personal finance without the low-key abuse on the side.