system
A chat on subreddit /r/wallstreetbets
human
He came up with debt snowball idea while trying to get his company out of debt. And it’s a really good idea. 

But his biggest income draw now is selling financial management classes to people making &gt;$100l/year. Everything he says is targeted specifically at that demographic now. 

The takeaway here isn’t that Ramsey is a scam artist. He is, but that’s a different thing. The takeaway is that the rich are incredibly stupid and shouldn’t be in charge of anything.
gpt
He did not come up with the idea. And if he did, he just thought of something others had thought of before.