Is Dave Ramsey's money advice actually good?

His debt-avoidance basics are genuinely useful for most people, even if his investing and credit-card advice is too rigid.

His debt-snowball discipline reliably gets ordinary people out of consumer debt, even if his rigid investing and credit rules are suboptimal for the financially savvy.

It is highly effective for the general public because it prioritizes the psychological and behavioral changes necessary to get out of debt.