This kind of stuff turns my stomach.
There will always be snake-oil salesman, but when the marketing (read: lying) is pulled from scripture and wrapped in the trappings of Christianity I take personal offense. I spend my life trying to persuade people (including myself) that the meaning of human existence is giving ourselves away in order to be truly found - and then someone like Dave Ramsey comes along and tells my parishioner that God wants them to hoard.
Blessed are the poor, Mr. Ramsey.
Indeed, since you're so concerned about what the Bible says about money, let's take a look.
Against our notion of private property contrast this: The land must not be sold permanently, because the land is mine and you are but aliens and my tenants. (Lev 25:23)
Read that whole chapter about Jubilee which is a regular redistribution of wealth that would pretty much kill our credit economy.
The book of proverbs which you quoted as if it were supportive of your money-management scheme has this to say: He who trusts in riches will wither. (Prov. 11:28)
Jesus is the harshest critic of all. He said, "No servant can serve two masters; for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and Mammon." (Luke 16:13) Mammon means wealth in Aramaic.
"Blessed are you poor, for yours is the kingdom of God" (Luke 6:20)
"Woe to you that are rich, for you have received your consolation" (Luke 6:24)
"Give to every one who begs from you; and of him who takes away your goods do not ask them again" (Luke 6:30)
"Do not lay up for yourselves treasures on earth" for "where your treasure is, there will your heart be also" (Matt. 6:19, 21)
The Bible frequently counsels an inner attitude of detachment from wealth, "If riches increase, set not your heart on them." (Ps. 62:10)
But Jesus goes much further instructing the rich young ruler to sell everything he owns (Matt. 19:16-22), and when the man can't he says, "it is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God." (Matt 19:24)
"Take heed," Jesus says, "and beware of all covetousness; for a man's life does not consist in the abundance of his possessions... Sell your possessions, and give alms; provide yourselves with purses that do not grow old, with a treasure in the heavens that does not fail." (Luke 12:15,33)
Between those two verses Jesus tells the story of a rich farmer who hoards a good crop. By our standards he is savvy - Jesus calls him a fool. (Luke 12:16-21)
Pastoral advice about money abounds in the epistles as well.
Paul says, "Those who desire to be rich fall into temptation, into a snare, into many senseless and hurtful desires that plunge men into ruin and destruction." (1 Tim. 6:9)
"Keep your life free from love of money, and be content with what you have; for he has said, 'I will never fail you nor forsake you'" (Heb. 13:5)
Greed is idolatry. It is as bad as adultery and thievery. It is the source of violence; "You desire and do not have; so you kill. And you covet and cannot obtain; so you fight and wage war." (James 4:1-2)
I'll stop here. As I've been admonished before, anyone can use a concordance. It will do no more good to continue piling up quotes.
But this is more than a selective list of proof-texts. This is a dominant, even overwhelming, theme in scripture that is exactly the opposite of what Mr. Ramsey says. He says on his site that money is mentioned in scripture over 800 times, but never bothers to let his readers know that nearly every single time it is in a negative light. It's demonic.
Don't listen to me, though. I'm depressing. Go listen to Dave Ramsey. He can tell you how you can get rich biblically.