Dave Ramsey says the "typical millionaire lives in a middle-class house, drives a two-year-old or older car, and buys blue jeans at Walmart" - and he's spot on

"The fact that we owe so much is not surprising; American culture pushes having more and doing more, even if you can't afford to 'have' and 'do.'"

"Ramsey's ability to simplify complex financial concepts and motivate people to take control of their finances makes him a favorite."

Read at 24/7 Wall St.