If the Suze Orman Show is a little too cute for you, you may want to listen to the Dave Ramsey Show, which can be streamed live on the website or listened to at your convenience in the archives. While Suze provides warmth and emotional support, Dave Ramsey is tough. The show's slogan pretty much sums it up: Where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice!

Ramsey provides an entertaining style, and takes personal-finance questions from people in serious need -- his callers seem to be much worse off than Orman's callers. On the most recent episode, an illiterate woman called in to explain she had overpaid for a car because she couldn't read the contract she signed. He also rips into payday lenders, whom he describes as "scummy."

Ramsey's story, like that of most self-styled gurus, it seems, is inspiring: At age 26, he was a millionaire. But his lavish lifestyle caught up with him, and he went broke. Now he's rich again, and providing financial advice on his radio show and in books.

Much of his stuff seems overly promotional, and the Biblical angle may turn off some listeners. But Ramsey provides strong, no-nonsense advice on personal finance, and his show is worth listening to.