Dave Ramseythe silky voiced straight-arrow with 13 million radio listeners built an eight-figure media empire on the gospel of financial modesty rooted in self-reliance. Not to worry, says Ramsey and his zero-based budget. That advice might seem a little severe for a family that turns off the lights in their rental home before getting in their used-car to buy groceries so they can eat every meal at home, but details are not part of the Ramsey program. He wants us to do it his way, and he has mwking of believers. Why not? Ben Franklin. The Poor Richard quote that inspires Ramsey? Step 1: Write down your total income.