Dr. John Delony is a national bestselling author, mental health and wellness expert, and host of The Dr. John Delony Show. He holds two PhDs--one in counselor education and supervision, and another in higher education administration. Before joining Ramsey Solutions, John spent two decades working as a senior leader, researcher, and professor at multiple universities. He also spent years working in crisis and emergency response. Now, as a Ramsey Personality, he teaches people how to reclaim their lives from the madness of the modern world. John and his family reside in Franklin, Tennessee. Dave Ramsey is America's trusted voice on money and business. He's a #1 National bestselling author and host of The Ramsey Show, America's 2nd largest radio show, The Ramsey Show Podcast, with over 1.5 billion downloads, and The Ramsey Show YouTube channel, with more than 1 billion views. Dave's eight national bestselling books include The Total Money Makeover, Baby Steps Millionaires, and EntreLeadership. He has appeared on Good Morning America, CBS This Morning, Today, Fox News, CNN, Fox Business and many more. Since 1992, Dave has helped people take control of their money, build wealth, and enhance their lives. He also serves as CEO of Ramsey Solutions. Dave and his family reside in Franklin, Tennessee.