Thread: Money Dave Ramsey
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Old 04-22-2025, 01:52 PM   #79
Deberg_1990 Deberg_1990 is offline
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Quote:
Originally Posted by jd1020 View Post
I started digging into investing so I was asking a buddy of mine for some top books to read and he recommended some Peter Lynch books and my mother bought me a Dave Ramsey book one year, which none of it applies to me because it's his step by step book to debt free, but I read some of it... Most of it is common sense, but his stance on credit cards is criminally stupid. If you use a credit card responsibly, like you would with cash or a debit card, and pay it off every month, there's no ****ing reason to not use a credit card. Even the cards that dont have an annual fee have nice perks, why the **** would you not take advantage of that? Now if you think a credit card is free money, then stay the **** away. But to suggest you should never "borrow" money is just ignorant.
I think most of the people Ramsey is talking to have no self control with credit cards. So he just preaches to them to stay away from them altogether
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