Dave Ramsey has undoubtedly helped many people with debt management. However, he is becoming a sycofant for the “nobody wants to work” group of rich white dudes.
He believes those who live in their parents basements sit around all day playing video games. No, they can't afford rent or a mortgage making $45k per year with 45k of student loan debt.
My SO started her RN career with an annual salary less than the total student loan debt accrued for the degree. Teachers often start at 1/2 annual income vs accrued student loan debt
He also promotes no more than 25% of take home pay towards housing (mortgage, insurance, taxes).
Here's some math.
45.67k salary ($22/hr)
18% total tax rate
Take home:
$37,433 /12 = $3,119 per month
25% max to housing: $780 per month
He is out of touch. $780 proves this.