A spreadsheet is a computer application with tools that increase the user's productivity in capturing, analyzing, and sharing tabular data sets. It displays multiple cells usually in a two-dimensional matrix or grid consisting of rows and columns (in other words, a table, hence "tabular"). Each cell contains alphanumeric text, numeric values, or formulas. A formula defines how the content of that cell is to be calculated from the contents of any other cell (or combination of cells) each time any cell is updated. A pseudo third dimension to the matrix is sometimes applied as another layer, or layers/sheets, of two-dimensional data.

Spreadsheets developed as computerized simulations of paper accounting worksheets. They boost productivity because of their ability to re-calculate the entire sheet automatically after a change to a single cell is made (which was a manual process in the days of paper ledgers). Spreadsheets have now replaced paper-based systems throughout the business world, with any exceptions being rare, because of the much greater productivity that they make possible, and thus the competitive disadvantage of spreadsheet illiteracy. Although they were first developed for accounting or bookkeeping tasks, they now are used extensively in any context where tabular lists are built, sorted, and shared.

David L. Ramsey III (born September 3, 1960) is an American financial author, radio host, television personality, and motivational speaker. His show and speeches strongly focus on discouraging the use of debt.

Ramsey's syndicated radio program The Dave Ramsey Show is promoted with a tagline that "It's about your life and your money," and it is heard on more than 500 radio stations throughout the United States and Canada, as well as in podcast format and on XM and Sirius satellite radio. He has written numerous books. His books and broadcasts often feature a Christian perspective that reflects Ramsey's religious beliefs. Ramsey was named the 2009 Marconi Award winner for Network/Syndicated Personality of the Year.

Ramsey's company, The Lampo Group, Inc., is headquartered in Brentwood, Tennessee, and oversees three divisions geared toward financial counseling.

Ramsey has been featured on many media outlets including The Oprah Winfrey Show, 60 Minutes, and The Early Show on CBS. He recorded a pilot and six unaired episodes of The Dave Ramsey Project for CBS. He was the host of The Dave Ramsey Show, which aired at 8 p.m. ET and repeated weekdays on the Fox Business Network until June 2010.