Dave Ramsey's Advice to a Caller With $300 in Debt Is Dividing His Fanbase

Financial expert Dave Ramsey has made a name for himself as someone you turn to when you need help balancing your household budget. He even has a popular show, where callers will reach out to him for advice about their money troubles.

And there’s a reason everyone trusts him. Back before he became a self-made millionaire, Ramsey was $4 million in debt—a situation that’s more common than you’d think. LendingTree’s 2026 report says that Americans are carrying around $1.252 trillion in credit card debt—a moment that he says totally turned his life around. However, some of his fans wonder whether he’s forgotten where he came from after Ramsey seemed to dismiss a caller who wanted help settling a $300 bill that had gone to collections.

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Ramsey Had No Time for a Caller Who Asked for Help Paying a Small Bill

A recent clip from The Ramsey Show featured a man who called in for advice about a debt that had been sent to collections. “I called the collection agency today and offered them a settlement offer to pay it and be done with it,” the man explained at the start of the clip, saying that they had declined his offer.

Ramsey then asked how much the man owed, prompting him to explain that the bill was for $300 but that he currently has around $2,300 in debt. “I was just trying to settle the collection so I could get done with it, and I offered them $100 and didn’t want to take it,” he continued.

Related: Dave Ramsey Says He Never Learned This Money Lesson in College—and It Could Cost You Millions

Ramsey seemed taken aback by the figure for a moment before pushing back on the caller’s approach. “I thought we were talking about you had $5,000 you owed, and you hadn’t paid them in two years, and you offered them $1,500,” Ramsey responded. “But on $300, they’re not going to screw with it. No wonder they laughed at you.”

Ramsey ended the call by telling the man to “just pay them,” before moving on.

Fans Say Ramsey Has Lost Touch With Everyday Americans

Ramsey’s followers were quick to hop into the comments and share their feelings about how he responded to the caller. “Dave doesn’t remember what it’s like to be flat broke,” one person wrote. “The minimum wage in Texas is still $7.25 an hour. In 2026! My first job there paid me $200 a week. A $300 debt would’ve been way stressful for me at that time.”

“If he had the $300 he would’ve paid them, lol,” another person added. “Most people live paycheck to paycheck and still don’t have enough to cover their bills. So for you to say ‘just pay it’ is out of touch.”

While there were a few people who agreed with Ramsey and felt like $300 was a small enough debt that should be easy to take care of, it’s clear that a lot of Ramsey’s followers believed that $300 could easily feel like $300,000 when you don’t have it.

Related: Dave Ramsey Says Debt Is the Enemy. Robert Kiyosaki Says It’s a Tool. Here’s Who’s Actually Right for You

Disclaimer: This article is for informational purposes only and does not constitute financial advice.