Dave Ramsey has been speaking financial sense to millions of people for years. He has taught Americans that credit is not the beautiful thing that banks and credit card companies have tried to make it out to be. He has taught Americans that spending more than you make is never a good idea. He has taught Americans that now is always the right time to fix your spending habits and get your financial house in order. A few days ago, Mr. Ramsey decided to share his wisdom with people of all political affiliations on how the Obamacare legislation would affect every American, no matter their political beliefs.