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Dave Ramsey is a pre-made townie Sim in Sunset Valley. He may move into a vacant lot when the population of Sunset Valley decreases. He is identifiable by his sideburns. If taken notice, he has the same hair style and sideburns as Thornton Wolff, with the exception that Dave has red hair and has a different facial structure.
He shares the same name as a real life financial author named David L. "Dave" Ramsey III. It's unknown if this was an intentional reference.