Dave Ramsey is a radio show host and financial lecturer. Dave Ramsey's live events are a five hour event largely based on the Total Money Makeover, incorporating humor and financial advice. The centerpiece of Ramsey's financial program is the elimination of debt as quickly as possible. He believes that debt leads to added risk, wasted money spent on interest, and monthly payments that dilute the power of peoples' incomes to adequately save, invest, and enjoy their lives. Ramsey's approach to getting out of debt has been compared to a weight loss program. His motto, "Live like no one else, so that later you can live like no one else," refers to the sacrifices Ramsey suggests are needed to win, which can include taking 2nd or 3rd jobs, working as much overtime as possible, and selling off possessions. He steers his readers away from using credit, believing that it encourages people to extend their resources.