conversation: User (Starkohren): "His plan helped me personally get out of debt (over 80k) and I am working on my larger emergency fund (step three of his plan). Every time I read a post from this sub I just want to tag Dave Ramsey's home page. To the haters: why? To the believers: how come I don't see more of his advice here?"
  Self: "I'm a big Dave Ramsey fan myself.  People here generally agree his advice is good for helping those who don't know what they're doing get out of debt.  They tend to think he's way off in his anti-credit card (and anti-credit score) views and investing.  I never plan on using debt again but I'm conflicted on the credit score.  Unfortunately it's tied to so much more than just borrowing money - I couldn't care less about paying more for insurance or having to put down a deposit but I do care if it keeps me from getting a job (should I ever need a new one).  For that reason my wife and I each have one credit card left open that we'll put occasional purchases on, maybe once every few months.    \n "
  