One time when I was listening to Dave Ramsey, a woman called in and she had a frozen embryo and a deposit or something to that effect of $1,200. She was coming up on a deadline to either get pregnant or lose the $1,200. She was basically saying she can't afford a child right now but didn't want to lose the $1,200. Ramsey told her to get pregnant since he's so pro birth. I couldn't believe someone was telling a person who was struggling with their finances to go have a kid. For the most part he is good at advising people how to get their finances in order, but he sometimes blurs the line between religion and sound financial advice.