Dave Ramsey

[Sassy Squatch]

Originally Posted by Bearcat

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.

His plan of attack to dig yourself out of debt makes sense (snowball or avalanche), but after that is where he loses me and the fact he applies his advice to every situation when it really should be applied to only the most extreme cases where they have no discipline and live way beyond the means.