Dave Ramsey is very good at teaching people how to get out-of-debt. However, Dave Ramsey is wrong about living revocable trusts. He tells people that you do not need a living revocable trust. I am not an attorney, but I am a strong advocate for everyone having a living revocable trust. I was floored when I heard Ramsey say that he does not recommend a trust.
There is website for Lichterman Law, PLC with a great article about Ramsey regarding his advice on trusts. I strongly encourage everyone to read their post on this issue. You can go to it by clicking here.