 Some people just know the best rate for you is a rate based on you. With Allstate, not one based on anyone else. Visit Allstate.com or call for a quote today. Here's Dave Ramsey with today's Ramsey reality check. I absolutely understand the power of a credit card. And I've watched stupid people write clickbait articles about me and other people saying how to use a credit card, the proper way to use a credit card. And credit cards are good for reward points. Yeah, I've never met a millionaire that said, Dave, you know, I made all my money with airline miles.