Dave Ramsey's Three Steps

I was listening to 100.1 FM, which is the old Bluffton Station, but seems to have switched to talk radio recently.  A guy named Dave Ramsey was on, talking about common sense things the government could do to fix this financial crisis... he made a lot of sense and I see this morning that a lot of folks have picked up the ideas and are promoting them.  Here they are (the ideas are inside the second step):

Three Steps to Change the Nation's Future