And no one will tell you that was a dumb move. Unless you took that cash to Vegas and spent it on hookers and blow 🤣 or bet it all on a hand of blackjack, which you didn’t.

Like others have said, Dave Ramsey is all about behavior modification and mindset changes WRT consumer debt, for those who have failed to manage their finances responsibly. I don’t completely follow everything he says, but avoiding EVER carrying a credit card balance is sound advice. Also, like he says, “No one ever got rich with airline miles”. I listen to his pod casts when I cut the grass or do yard work, and enjoy listening to him and his crew occasionally. It usually makes me feel pretty good about myself and how I’ve done so far.

My biggest gripe with him, and it’s a small gripe, is how he brings religion into it. Which I would imagine could alienate some listeners, but he has a strong faith and is entitled to his views, on account of him owning the microphone. If it offended me, I could just stop listening, but I continue to listen occasionally, because I like hearing him help people with serious financial woes.