The Dave Ramsey Baby Steps have helps many families reach financial freedom and join the debt free community, but it’s not the ONLY way to financial independence. Over the years, the ways I don’t follow Dave Ramsey have grown in budgeting, investing, spending money, using credit cards and more. Plus listen to the Dave Ramsey Show doesn’t always represent The Bible and Jesus Christ, which is why we have to talk about 6 reasons why I don’t follow Dave Ramsey or Financial Peace University as a money coach or in my debt free life.