He is an idiot. I'm a Marxist Leninist socialist and have read enough to say Marx has never advocated for UBI. It's literally, From each according to his ability, to each according to his needs. You produce what you can, meaning you work and you earn. A pure Communist society is a cashless one. Dave Ramsey is a conservative, religious nut job whose whole career is based on "only buy what you can pay for. Don't borrow. Save enough money to buy house with cash" He is a dinosaur in today's time.