It might be your fault you can't afford a house, says finance guru Dave Ramsey

• Buying a house right now is difficult for a whole bunch of reasons, Dave Ramsey said.
• But some people can't afford one as they waste money and rack up debt, the radio host said.
• Ramsey's tips include picking the right mortgage, repaying debts, and building an emergency fund.

Buying a house has become especially hard, but some people can't afford one because they're mismanaging their money, personal finance guru Dave Ramsey says.