You can wander into debt but you can’t wander out. So says Dave Ramsey, the immensely popular radio talk show host, best-selling author, nationally syndicated newspaper columnist and personal finance expert. Creating financial peace of mind takes dedication and getting brutally honest with yourself. In this interview with SUCCESS Editor-in-Chief Josh Ellis, Ramsey details the dangers of debt, the difference between money and wealth, and why smart personal finance is only 20 percent knowledge and 80 percent behavior.