Dione, AFC®✨ Money Matters
Region: US
Thursday 16 October 2025 21:08:33 GMT
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bridgetc7722 :
Same! Also, I haven’t paid off my mortgage even though I could because the rate is lower than my savings rate. That’s free $!
2025-10-16 23:22:44
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Suzy :
He always says don’t GET a credit card. How do you travel without a credit card. As long as you pay it off who cares?
2025-10-17 04:32:24
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Tina Engineering EA :
I started with DR and then switched to FI after baby step 6
2025-11-01 12:47:03
1
Ace :
I do the same thing with my credit cards except for instead of airline point I get the cash reward and I move it into a high-yield savings account
2025-12-06 01:20:38
2
Darreng :
👍Exactly!!
2025-10-18 16:59:55
1
imwatchingyou :
You and I are very similar. I also hate his snowball when I feel like highest interest should go first.
2025-11-01 01:06:48
1
jjohn :
I cringe when I hear credit score. The only score I worry about is net worth.
2025-10-20 11:23:42
1
Denise 💕~ Teacher :
Same! We got our start with Dave, paid off everything but mortgage but that will be soon. Use credit cards for everything also no balance.
2025-10-21 12:30:48
0
SheTellsTheTruth :
Me too!!!!! Same!!! #Twining
2025-10-20 23:47:23
1
Cory Adams :
That’s Me 😎🙏🏾
2025-10-21 21:37:00
1
Frankie :
It’s ok to be in your position and using a credit card and having a credit score,but most people will never level up..and follow the maps to financial freedom..
2025-10-17 08:52:23
0
Right Side of Money (R$M) :
Yeah, No Dave Ramsey for me anymore. I taught FPU for a while. Using a credit card is safer as well. In case of fraud your money ain’t tied up. Absolutely, Use credit card for everything but pay off each month!
2025-10-16 21:58:33
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watchoutfordragons :
No Dave Ramsey for me anymore. His morality clause at his company had them fire a pregnant woman for being single. He is against raising the minimum wage. He supports the dumpster fire current administration who has run up the country's debt. He supports billionaires yet yells at poor people. Nope!!
2025-10-22 22:08:45
7
Mr_MaYem90 :
Yup…same!
2025-10-17 01:21:18
6
softretirementlife :
I’m a former DR follower too. I don’t carry debt except my mortgage and I’m not paying it off fast because it’s 2.25%
2025-10-30 19:07:53
3
MCMV :
Yep. And you don’t get as many regulatory protections with a debit card!!
2025-10-16 21:24:53
3
Happy :
Me too and use those points
2025-11-01 17:50:47
2
Kiesh :
I’m with you. I follow what works and ignore what doesn’t.
2025-11-25 22:48:17
2
Toni Head746 :
Thanks to Dave Ramsey, I paid off my home before retiring. I too have a credit card.
2025-10-20 12:45:29
2
Heaven :
I think David Ramsey advice about “no credit cards” is because many don’t know how to manage one. Having a credit card is essential. Also, I agree with you on having a credit score. All 3 of my FICO scores as of today, 10/17/25, are: Equifax 820, TU 812, and Experian 817. ❤️📚
2025-10-17 14:54:23
2
Mitch ❌ 954 :
Same
2025-10-17 04:37:25
2
karlaweaver0 :
Amen sister! I do this too! Fly for free with round trips!
2025-11-10 20:26:45
1
Red, White, and True 🇺🇸 :
Same!
2025-12-29 03:17:09
1
Jamal Liles :
Your way is correct for a responsible person I love my travel points but most people aren’t responsible they think that 10k credit line is additional money
2025-11-02 13:29:51
1
💎🤎Zhane'Monet 🤎💎 :
im loving the knowledge you are sharing
2025-11-02 15:41:14
1
Betsy Marble :
I am the same but I get 3% cash back on everything! I also keep a credit score. Don’t need it, but I want the flexibility! The key is not having a spending problem and not carrying a balance ever!
2025-11-02 22:58:10
1
Jay Pollack :
Dave is great for those starting off and for those who lack discipline. Once you graduate from being a “baby” you can use credit cards to your advantage.
2025-11-03 22:23:03
1
Jennifer Michelle Ba :
Same here! I use my credit card for everything. Pay it off every payday.
2025-11-08 21:32:05
1
user9725318256650 :
me 2!
2025-11-09 21:25:01
1
Paul Vazquez :
Agreed
2025-11-11 19:18:50
1
Roy Rogers :
I’m on your team all day
2025-11-13 00:04:48
1
Bambi Russell :
Me too! Do you do it even if they charge a fee!
2025-11-14 03:02:35
1
Sed :
This is the only thing I don’t agree with Ramsey on. I use my card for everything too and just pay it the second the transaction post.
2025-11-16 17:01:59
1
belindarich73 :
New follower! Same, former DR follower. Same with the CC, too.
2025-11-20 22:47:39
1
KatdeRam⁷ :
Same. His snowball strategy helped me get out of debt. But that’s how far I went.
2025-12-08 19:43:44
1
Marshall Ranch :
I do Dave Ramsey baby steps but my husband and I put everything on cc and use the points for free travel. We always pay off the balance
2025-12-05 12:06:44
1
LelaneP201 :
Same here!!!! Every single transaction.
2025-11-01 12:16:31
1
jjohn :
He would be proud to hear your story and financial success his personal story is don’t be a slave in your financial life. He has changed the conversation about money and a lot of us are richer because of it. The blueprint is dogmatic and does lead to success.
2025-10-20 11:18:57
1
DeeFoxyBrown1💛♊️💎 :
Agree 💯 I listen to Dave Ramsey but I don’t follow all of his steps. I’m definitely using my cc 4 everything! Paying it off every month. Getting my SkyMiles points & cash back. I transfer my cash back to my savings account.
2025-10-20 12:56:29
1
Babe :
same here!
2025-10-22 20:38:12
1
Blue Collar Money :
I only followed Dave’s baby steps 1-3 increased my investment rate to 30 - 35% kept a cash back credit card a credit score and my 2% mortgage. That really increased my portfolio over doing his suggested 15% and early mortgage pay off.
2025-10-24 01:21:36
1
Anna Erickson :
Same! I get cash back, so I make $ from the credit card companies. They don’t make $ from me!
2025-10-24 12:25:09
1
Ty :
Ramsey is high school level financial education. You've graduated as did I to post High school fiscal education.
2025-10-28 02:38:43
1
1saints_fan :
I am exactly with you and living my best life….happy as a clam! 😂😂😂
2025-10-31 15:06:21
1
SanDiegoRealEstateExpert :
Same ❤
2025-11-01 03:25:53
1
LazyDreamer :
yes his method is for people who lxks control
2025-10-31 05:50:24
0
Assholemechanic :
Cash stash in a safe is good also. Just a couple months worth is good.
2025-10-31 22:31:19
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