Dave Ramsey.Anna Webber/Getty ImagesBuying 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."It is mathematically tough right now, it is economically tough.