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Mar 29, 2024
6:39
:23
pm
Agnostic-alumni
All-American
agreed. I have I've never once carried a cc balance but I like to have
fun. Why not earn 3 to 4K in bonuses each year as long as retirement, emergency fund etc don't suffer?
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Agnostic-alumni
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Agnostic-alumni
Joined
Oct 27, 2017
Last login
Apr 28, 2024
Total posts
2,450 (88 FO)
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Messages
Author
Time
I think I figured out why I like listening to Dave Ramsey's show.
OverratedHumor
Mar 29, 6:25pm
It's entertaining when Dave says things like "How much did you spend on the
Cougar Junkie
Mar 29, 6:28pm
Hold up…why does he say we shouldn’t use cc rewards points?
coug719
Mar 29, 6:30pm
He claims studies have shown that spending is lower if one uses cash.
Cougar Junkie
Mar 29, 6:30pm
He's probably right. I believe him that you'll spend less if you restrict
OverratedHumor
Mar 29, 6:33pm
agreed. I have I've never once carried a cc balance but I like to have
Agnostic-alumni
Mar 29, 6:39pm
Dave doesn't do nuance. He keeps it simple, for the financially challenged.
Cougar Junkie
Mar 29, 6:44pm
If I only paid cash, I wouldn't have stayed “free” at Marriott-branded hotels…
MichCoug
Mar 29, 7:05pm
Yeah, but are you lifetime Titanium Elite?
Catfish
Mar 29, 8:27pm
He says don't use credit cards at all.
OverratedHumor
Mar 29, 6:31pm
Yeah, I don’t think I agree with that in today’s climate.
coug719
Mar 29, 6:34pm
You should never use a CC. You should never earn rewards. Even if they are free
BYUinTX
Mar 29, 6:31pm
Ehhh. I always stay within a strict budget and have accumulated massive rewards
chitownboy
Mar 29, 6:33pm
How do they still cost me? If I use my CC for necessary expenditures, why not
Chester Copperpot
Mar 29, 6:36pm
I think he’s just saying Dave’s points, not what normal people believe
Warner
Mar 29, 6:41pm
That's why I read Reddit r/marriage. It turns out that I'm an awesome husband.
dYrtbYkerYder
Mar 29, 6:38pm
Yeah same reason for reality TV or politics. Train wreck entertainment
wisconsincougs
Mar 29, 6:42pm
I think it's a combination of that and validating optimism.
shoganai
Mar 29, 6:43pm
"How much did you spend on the stupid car?" is mocking.
Cougar Junkie
Mar 29, 6:45pm
I guess. He never sounds malicious to me.
shoganai
Mar 29, 6:49pm
He's not overly so, but he does get in some jabs, probably to entertain his
Cougar Junkie
Mar 29, 6:57pm
a downside to being a dave ramsay fan/follower is
LO Cougar
Mar 29, 7:09pm
Dave Ramsey takes the same approach with credit cards as the church takes with
brazilcoug
Mar 29, 7:18pm
Yeah he told someone he and 30 yr old wife saving $60k in 401k, $23.5 is max
SwanSong
Mar 29, 8:26pm
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