Insofar as Ramsey's course is about behavior modification, it leans heavily on the Law, as behavior modification programs tend to do. His misuse of the tithe, a common practice in contemporary Christianity that I have also seen in the LCMS, treats money the way the Scriptures treated living and growing things - specifically fruits, vegetables, and domesticated livestock. Even though money existed at the time that the LORD instructed Israel concerning the tithe, neither silver nor gold was included among the items to be tithed. Using Dave Ramsey is no different than using Aristotle's "Ethics." It's good from a "Law" perspective, but empty from the perspective of the Gospel, because it's stated purpose is behavior modification, not salvation