Dave Ramsey Just Replaced Advisors' First Call

Dave Ramsey's retirement advice is replacing the first call many financial advisors get paid to handle. According to 24/7 Wall St., Ramsey told a 66-year-old with $10,000 saved that she could still be okay in retirement. That may replace basic reassurance—not tax strategy, portfolio design, or estate planning. Pick a side: is Ramsey exposing overpriced advice, or just moving the advisor's real value further down the funnel?