When I think of Dave Ramsey, the elimination of debt and whole life insurance policies quickly spring to mind. In addition to his demonization of universal policies, were you aware of his 8-12 rule for retirement?

David McKnight joins the show to discuss the 4 percent rule for retirement, annuities, and cash-basis insurance plans based on math, pragmatism, and wisdom.

These topics are key themes in David's newest book, The Guru Gap. He has also written other best-selling books, including The Power of Zero, which has sold over 400,000 copies.