Dave Ramsey was born in Antioch, Tennessee on September 3, 1960. He graduated from the College of Business Administration at the University of Tennessee, Knoxville in 1982. By the time he was 26, he had a net worth of a little over a million dollars and was making $250,000 a year. When the Tax Reform Act of 1986 began to have a negative impact on the real estate business, he was forced to file for bankruptcy relief. After losing everything, he went on a quest to find out how money really works, how to get control of it and how to have confidence in handling it. In 1992, he formed The Lampo Group to counsel individuals hurting from the results of financial stress. He wrote the book, Financial Peace, and started a local radio call-in show called The Money Game, now nationally syndicated as The Dave Ramsey Show. His other books include The Money Answer Book: Quick Answers to Everyday Financial Questions, The Total Money Makeover: A Proven Plan for Financial Fitness, Smart Money Smart Kids: Raising the Next Generation to Win with Money, and The Legacy Journey: A Radiacal View of Biblical Wealth and Generosity. He also writes children's books dealing with finance including Careless at the Carnival: Junior Discovers Spending, The Big Birthday Surprise: Junior Discovers Giving, My Fantastic Fieldtrip: Junior Discovers Saving, and Battle of the Chores: Junior Discovers Debt.