carrr_uhhh
Region: US
Tuesday 04 August 2026 11:10:40 GMT
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D :
I followed Larry Burkett before Dave Ramsey. Dave is definitely more big business. I have to do what works for me. I’m much more frugal, now that I have retired. I’m comfortable being debt free.
2026-08-04 18:38:50
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Mattie :
DR stresses credit cards because a lot of people don’t have control.
2026-08-08 14:26:52
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aubreyupchurch :
I pay my card off every time I get paid 👏 We pay off in order of interest as well.
2026-08-04 13:28:40
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Brock Martin :
I listen to Dave Ramsey religiously… I’m doing debt avalanche over debt snowball. I’m still motivated and I’m 1.5 years in
2026-08-04 13:48:28
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OMOFNOW :
the credit card advice he gives is moronic
2026-08-05 00:30:40
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Kay :
People that use credit cards spend on average 11% more than they would if they were strictly using cash or debit.. that totally trumps the 4% cash back. You’d have to spend $100,000 to get $4,000 back.. it’s not worth it. That’s Dave’s whole point with CCs.
2026-08-05 19:44:13
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Peter Griffith :
Dave is a plan when you have no plan. If you are following 80% of it, it’s better than staying lost, giving up, and working until you die.
2026-08-04 19:01:59
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✨ Savvy Tightwad Finds ✨ :
I use credit cards for the cash rewards too!! Pay it off every month!
2026-08-04 12:40:13
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kendra5 :
speaking of Dave Ramsey. I use his app but I have a bank account for EVERY bill and only the money for that bill goes into and out of that account. on the app its counting it as I paid it from my main account and then paid it again from the bill account. should I just keep my main account linked so when it shows I transfered it should I count that as my "Payment" this is driving me nuts
2026-08-04 13:22:22
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Alice Fowler289 :
being debt free feels amazing!
2026-08-04 19:06:39
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Karen Millsaps :
I’m not a DR fan. Too restrictive. I’m 64 and I want to spend my years doing what I want. Don’t know how many years I have. And I live alone. Love it.😍
2026-08-06 16:29:52
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Bloomers :
Extended warranties on cars are SO worth it. All others - no way!
2026-08-04 21:09:44
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escapeop47 :
Did you do the deft free scream with Dave?
2026-08-04 17:49:53
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chop_chop82 :
So are you financing the cars or paying cash for them ?
2026-08-04 21:20:49
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Ma’am :
Same. We did things out of order but the result the same. We use credit not debit cards. We pay in full every Friday. We never buy extended warranties but my sons are certified auto mechanics and auto body.
2026-08-04 15:09:43
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heatherj761 :
Dave was my gateway to the financial world 😆 i an SO BORING and spend a lot of time tinkering the budget, tracking our retirement - my fave hobbies 😆 i think people misjudge him - i think while people can be successful following his teachings to a T, its all about discipline. When you learn how debt can be harmful, you spend less on credit cards. Hed say no credit cards, but if you only buy what you can pay off, stay in your budget… get those points 😆😆
2026-08-04 15:36:28
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carolinemoore687 :
Did you ever think of working with Dave Ramsey as one of the experts. You help ppl here, you would be great !
2026-08-04 21:38:17
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Lyda :
too many people tell me no credit cards. im down to one and going g to get rid of it
2026-08-06 10:50:03
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Rhodygirl :
Congrats! Don’t be too hard on urself. He claimed bankruptcy to get out of his debt
2026-08-04 23:14:31
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Miss Julie 🇨🇦 :
I definitely went full avalanche first nothing to do with interest rates lol I got mad and knocked out those two first however like you said. I had 9 months of consitent changed behavior before that. Also It got done ✔️so. 😂
2026-08-04 12:09:48
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Stacey Anne :
I use credit card for rewards and I still have it and I’m still going on vacation while working on my debt
2026-08-04 11:52:22
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l_b471 :
I agree with the way you are doing your finances. I believe you have to do what works for you. It’s good to have guidelines to refer to, but each individual situation is a little different. On any of the trucks we’ve purchased for my husband we always get an extended warranty on it. I don’t know what he does to a truck, but we always have issues that that Warranty has saved us with transmissions and several other things. I work from home and don’t drive that often so I don’t put one on mine. Right now I’m driving a 2013 car and I’ve only had regular maintenance items done to it. I love your content.
2026-08-04 14:22:38
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Sam :
My Cousin went through Dave Ramsey and feels similar to you. She said it was a great program, but not everything works for everybody. Sometimes you have to cherry pick things that work for you and what you are doing and your goals
2026-08-04 17:48:34
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Jane 🇨🇦 :
I use a credit card too. Only one, paid automatically every month. my daughter also has one and she uses her reward to pay her card. so clever.
2026-08-04 12:49:10
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Buttonsandblossom :
Everything in moderation. I got myself out of 65,000 credit card debt about 20 years ago,,no help from Dave or anyone else, just self discipline. Now i pay everything the day the bill comes, way before the due date. My Fico score is 830 and i save about $4,000 a month from my retirement income (pension and SS). And i fly business class to Paris at least once a year for at least three weeks. Priorities—-It can be done.
2026-08-04 19:47:25
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