Deseret News' Heroes of 2012

Dave Ramsey: For making family thrift cool and fun.

Having survived his own debt-leveraged financial roller coaster, Dave Ramsey began seeking for authentic financial wisdom, the kind that helps families stay financially secure. Ramsey now shares those basic lessons of lasting prosperity to millions of readers and listeners. His approach provides over-the-top celebration of the peace, security and joy that come through paying off debt, frugality and generosity. And in equal measure, Ramsey skewers the stupidity associated with debt, extravagant living and get-rich-quick schemes.

Ramsey's books, courses, events and syndicated radio talk show have helped thousands of families put their finances on a surer footing through what he calls "biblically based, common-sense education and empowerment." A brilliant marketer, Ramsey gives his readers and listeners a compelling vision of debt-free living, a clear road map for success, large doses of in-your-face accountability and infectious enthusiasm for the smallest successes.

>> This July 29, 2009 file photo shows financial guru Dave Ramsey in his broadcasting studio in Brentwood, Tenn.