In this episode of “It Doesn’t Have to be Terrible” with Financial Coach, Caroline Snyder, we explore the predatory schemes of Dave Ramsey, a supposed Financial Guru with more than a few not-so-hidden skeletons in his closet. We look at his extreme debt elimination strategies and his harmful financial messages and, most importantly, Caroline shares ways to protect yourself from financial advisors seeking to make money off you by making you feel bad about yourself.