Quote:
Originally Posted by DaFace
If you otherwise have trouble controlling your spending, his methods can be effective. That said, he goes way too far in terms of telling people to stick with cash spending and avoiding credit, in my opinion.
Creating a budget, tracking your spending, and doing some basic financial literacy training will get you what you need in most cases.
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Yeah, I don't know a ton about him besides what you mentioned about staying away from credit cards at all cost, but seems like most people could just track spending from a spreadsheet or any number of apps and get most of the way to a Ramsey plan.