And there's a reason everyone trusts him. Back before he became a self-made millionaire, Ramsey was $4 million in debt—a situation that's more common than you'd think. LendingTree's 2026 report says that Americans are carrying around $1.252 trillion in credit card debt—a moment that he says totally turned his life around. However, some of his fans wonder whether he's forgotten where he came from after Ramsey seemed to dismiss a caller who wanted help settling a $300 bill that had gone to collections.
A recent clip from The Ramsey Show featured a man who called in for advice about a debt that had been sent to collections. "I called the collection agency today and offered them a settlement offer to pay it and be done with it," the man explained at the start of the clip, saying that they had declined his offer.
Related: Dave Ramsey Says He Never Learned This Money Lesson in College—and It Could Cost You Millions
Ramsey ended the call by telling the man to "just pay them," before moving on.
Fans Say Ramsey Has Lost Touch With Everyday Americans
"If he had the $300 he would've paid them, lol," another person added. "Most people live paycheck to paycheck and still don't have enough to cover their bills. So for you to say 'just pay it' is out of touch."
Related: Dave Ramsey Says Debt Is the Enemy. Robert Kiyosaki Says It's a Tool. Here's Who's Actually Right for You
Disclaimer: This article is for informational purposes only and does not constitute financial advice.
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