It is time for Americans to bring down our collective debt by individuals owning up to their responsibility and paying off their individual debts. Dave Ramsey has a nationwide radio broadcast, but I have a blog. He is obviously more effective, but like others, I just want to pay it forward and help others learn what I have learned. The debt-snowball is liberating, and it can free you from the shackles that you keep on yourself. Listen to Dave Ramsey’s nightly radio broadcast, because America is cleaning up its fiscal house and poised to make a gigantic come back. Its time for a Ramsey Revolution.