Dave Ramsey says it was the mistakes he made that pushed him into bankruptcy that led him to create the financial plan he touts (he did not go bankrupt following his plan). He often says that it is based on advice your grandmother would give you- it’s not rocket science and it has been wildly successful for many, many people. Also, he emphasizes the importance of giving to others in a way that speaks to the individual; the 10% tithe does not need to be tied to a religious organization.