Everybody needs money. That's why they call it money.

From Fool Global Headquarters, this is Motley Fool Money.

Welcome Motley Fool Money, I'm Chris Hill.

We're going to wrap up 2012 by revisiting interviews with two of the giants of the finance

industry, a little later in the show, a conversation with consumer advocate Clark Howard, but we

kick it off with the one and only, Dave Ramsey.

My guess this week is the author of three New York Times bestselling books and the host

of the Dave Ramsey show, which is heard every week on more than 450 radio stations by

more than four and a half million listeners.

Dave Ramsey, welcome to Motley Fool Money.

Well thanks Chris, it's an honor to be on here, man, this is cool.

It is an honor to have you on because our show, like yours, is on a lot of radio stations

if you back out like 420 or so.

So it's just, if you use some creative Wall Street accounting and you just sort of back

it out, we're on roughly the same number of radio stations.

Well, we still securitize and sell it to a hedge fund though.

Exactly.

Now, I want to talk about your radio show, but first I want to go back to earlier in your

career by your mid-twenties.

You had a net worth of more than a million dollars.

How did you do it and what happened?

Well, stupidity.

...