Dave Ramsey (b. 1960) is a United States nationally-syndicated talk radio host of The Dave Ramsey Show. His radio program is heard on almost 300 radio stations throughout the United States and also on XM and Sirius satellite radio, as of July 2006. His show is about advising callers about their finances, taking calls live from 1-4 CST (2-5 EST) on air. The emphasis is on personal finance and getting out of debt, although small business and investment topics are also touched on. His radio program has been on since 1992 and now has over two million listeners. He has also been featured on many media outlets including The Oprah Winfrey Show, 60 Minutes, and The Early Show on CBS. He is also a New York Times best-selling author. His most recent books are The Total Money Makeover and Financial Peace, Revisited. His company, the Lampo Group, Inc., is based in Brentwood, Tennessee. One division of the company is called Financial Peace University or FPU. He is known to be passionate about teaching people to get out of debt, and to avoid the use of credit cards completely.