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Understandable point of view comming from a man selling books how to change your behaviour towards money :p In general I can't even begin to take the statement serious though.

Considering behavior is the only thing in your control, how can you take anything but it seriously?!

Behavior seems to be about 80% circumstances.

And the other 20% is learned based on past circumstances.

"Seems to be" being the operative word. In reality, behavior is rooted in will and circumstances is how it manifests itself.

Anything other than focusing on the core drives and desires of man is superficial at best and wasted at worst.

Dave Ramsey has ascribed to an unbelievably unrealistic view of peoples' responsibilities for their financial outcomes, as well as what they should sacrifice to be solvent. All this coming from a huckster who sells rainbow snake oil.

We live in a world now where we get half the porridge our parents did, and he's teaching us how to starve and hide porridge in our pockets for rainy days. He's part of the problem and a distraction.

Amen!