Over the past 20-25 years, Dave Ramsey has always stood as a powerful voice against debt. Using his radio show and consistent teachings, he has helped millions of people gain control of their money and stay out of debt. To me, he is a financial hero because of all the people that he has helped. Even this humble blogger and my family have traveled down to the Dave Ramsey Show studios in Nashville, Tennessee to scream, "I'M DEBT FREE," after we paid off all of our consumer debt. We certainly are fans of Dave Ramsey. One of the things that I love the most about Dave Ramsey is that he…