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Dec 30th, 2023
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 Re: Credit Card Debt in the US - Nothing to see here
[Re: grandbassslayer]
#15335470
02/18/25 05:42 PM
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Joined: Mar 2006
Posts: 10,805
reeltexan
TFF Guru
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TFF Guru
Joined: Mar 2006
Posts: 10,805 |
Did Dave Ramsey quit or what? People don’t want to listen him- they think his advice is outdated, they are wrong. this ^^
"..The pleasantist angling is to see the fish
Cut with her golden oars the silver stream,
And greedily devour the treacherous bait.
Bill Shakespeare![[Linked Image]](http://s4.postimage.org/f0dhseas/P1120145.jpg)
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Re: Credit Card Debt in the US - Nothing to see here
[Re: Jpurdue]
#15335473
02/18/25 05:49 PM
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Joined: Nov 2015
Posts: 2,215
Quillback
Extreme Angler
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Extreme Angler
Joined: Nov 2015
Posts: 2,215 |
It's all good until a recession hits and people lose their jobs.
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Re: Credit Card Debt in the US - Nothing to see here
[Re: Jpurdue]
#15335476
02/18/25 05:52 PM
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Joined: Apr 2014
Posts: 8,889
Jpurdue
OP
TFF Celebrity
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OP
TFF Celebrity
Joined: Apr 2014
Posts: 8,889 |
Ramseys advice is solid for the most part. There's a new guy called Caleb Hammer that is quite entertaining to listen to. You can find him on Youtube. He's basically like Ramsey, but is a lot harsher on the guests.
"Bragging may not bring happiness, but no man having caught a large fish goes home through an alley." -A.L. www.LunkerLore.com![[Linked Image]](https://i.imgur.com/ckGplwut.png)
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Re: Credit Card Debt in the US - Nothing to see here
[Re: Jpurdue]
#15335482
02/18/25 06:00 PM
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Joined: Jan 2006
Posts: 33,011
Scagnetti
TFF Guru
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TFF Guru
Joined: Jan 2006
Posts: 33,011 |
Ramseys advice is solid for the most part. There's a new guy called Caleb Hammer that is quite entertaining to listen to. You can find him on Youtube. He's basically like Ramsey, but is a lot harsher on the guests. He’s popular on TikTok too. He takes no prisoners.
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Re: Credit Card Debt in the US - Nothing to see here
[Re: Jpurdue]
#15335488
02/18/25 06:12 PM
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Joined: Feb 2005
Posts: 4,096
fivebites
TFF Team Angler
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TFF Team Angler
Joined: Feb 2005
Posts: 4,096 |
If you're reasonalby well versed in economics and how to handle money, then you don't really need Dave Ramsey. That weeds out probably 75% of the population world wide. His advice for those folks is pretty spot on.
2019 Chevy Tahoe
2018 Basscat Eyra 250 Proxs
PB Wife of 32 years!
PB Largemouth 9.56 Ray Roberts
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Re: Credit Card Debt in the US - Nothing to see here
[Re: Jpurdue]
#15335536
02/18/25 07:01 PM
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Joined: Apr 2008
Posts: 44,867
CCTX
mapquest
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mapquest
Joined: Apr 2008
Posts: 44,867 |
Grew up reading the Scott Burns column in the Dallas Morning News. Ramsey's advice is a simplified Burns/Orman monetary management philosophy.
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Re: Credit Card Debt in the US - Nothing to see here
[Re: CCTX]
#15335601
02/18/25 07:50 PM
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Joined: Oct 2012
Posts: 27,266
ReelBusy
TFF Guru
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TFF Guru
Joined: Oct 2012
Posts: 27,266 |
Grew up reading the Scott Burns column in the Dallas Morning News. Ramsey's advice is a simplified Burns/Orman monetary management philosophy. it all seems common sense
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Re: Credit Card Debt in the US - Nothing to see here
[Re: Jpurdue]
#15335603
02/18/25 07:54 PM
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Joined: Dec 2010
Posts: 6,001
Mckinneycrappiecatcher
TFF Celebrity
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TFF Celebrity
Joined: Dec 2010
Posts: 6,001 |
Dave Ramsey says get out of debt for a reason
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Re: Credit Card Debt in the US - Nothing to see here
[Re: Mark Perry]
#15335606
02/18/25 07:56 PM
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Joined: Jul 2010
Posts: 7,096
Ted Dyer
TFF Celebrity
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TFF Celebrity
Joined: Jul 2010
Posts: 7,096 |
Just 2 weeks to flatten the curve. That's funny
  The world is changed by your example, not by your opinion.
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Re: Credit Card Debt in the US - Nothing to see here
[Re: Mark Perry]
#15335660
02/18/25 08:48 PM
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Joined: May 2020
Posts: 283
Flippy
Angler
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Angler
Joined: May 2020
Posts: 283 |
Just 2 weeks to flatten the curve. LMAO
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Re: Credit Card Debt in the US - Nothing to see here
[Re: Jpurdue]
#15335665
02/18/25 08:51 PM
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Joined: May 2020
Posts: 283
Flippy
Angler
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Angler
Joined: May 2020
Posts: 283 |
I started following Ramsey in 2005. Got out of all debt minus the House in 2008 and have never looked back. The over use of CC debit use is going to come crashing down one day soon and it will be clearance day sales on toys (boats, RVs and such) and possibly some land.
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Re: Credit Card Debt in the US - Nothing to see here
[Re: Flippy]
#15335667
02/18/25 08:55 PM
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Joined: Mar 2006
Posts: 10,805
reeltexan
TFF Guru
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TFF Guru
Joined: Mar 2006
Posts: 10,805 |
Just 2 weeks to flatten the curve. LMAO yeah, me too 
"..The pleasantist angling is to see the fish
Cut with her golden oars the silver stream,
And greedily devour the treacherous bait.
Bill Shakespeare
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Re: Credit Card Debt in the US - Nothing to see here
[Re: reeltexan]
#15335729
02/18/25 10:29 PM
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Joined: Jun 2011
Posts: 7,289
Dave-0
DYSON
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DYSON
Joined: Jun 2011
Posts: 7,289 |
Did Dave Ramsey quit or what? People don’t want to listen him- they think his advice is outdated, they are wrong. this ^^ I loved his program so much, I did it twice! I listen to his podcast on the regular and one of his with in the past year was about leaving the legacy that is Dave Ramsey. He loves his job and will probably die doing it, but yeah, he is pulling his strings out of the management of the company...and it's been showing, big time. Before he started removing himself, it was more of a in your face "here's the info, take it or leave it." Now it seems like a non stop barrage of marketing emails and probably 3 texts a day, trying to get me to buy more. It's suffocating to the point of  now.
Laws won't fix a sin problem. What this world needs is a revival, change of the heart. ~The Skipper
Age is a number. Old is a lifestyle.
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Re: Credit Card Debt in the US - Nothing to see here
[Re: Jpurdue]
#15335764
02/18/25 11:27 PM
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Joined: Apr 2017
Posts: 14,628
tmd11111
TFF Guru
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TFF Guru
Joined: Apr 2017
Posts: 14,628 |
We have a few credit cards that we never use except for one and we pay it in full monthly. I have no idea what the interest rate are for them. A few months ago I bought a new lawn mower at Lowes and was going to pay cash but applied for their credit card for an extra discount. Was shocked to see that their interest rate is 36.99%.
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Re: Credit Card Debt in the US - Nothing to see here
[Re: Jpurdue]
#15335900
02/19/25 02:54 AM
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Joined: Jan 2007
Posts: 1,635
kcb
Extreme Angler
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Extreme Angler
Joined: Jan 2007
Posts: 1,635 |
I’ve missed some fun things in life, but just can’t see taking on high interest debt. Not the way I’m wired. Have a relative that blew through a fairly nice inheritance in less than 5 years and has lost some relationships do to the fall out.
Have 2 cards, but pay them off each month even if it comes out of savings. Also have a Care Credit Card which has a nice 0 interest feature built in, but you have to watch their terms because the rate is 30% if you don’t pay it by the stated date.
I thought there was a cap on rates that could be charged. 36.99 is insanity!
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