I know someone who was always in major debt. We gifted her Ramsey’s book. In one year she paid off 17k in debt. She never would have believed it was even possible. She was ecstatic.
I think most people consider a credit card as their emergency fund and that’s not how it works. A lot of people have no concept of how budgets work or find they can’t stick to one. Ramsey simplifies the process. It works.