 probably the dumbest thing I've ever heard in my entire life other than maybe you should have all kinds of debt but it just the concept is to say look debt is dangerous because I Dave Ramsey didn't know how to deal with it I lost lots of money because of debt and so now I'm telling everybody don't have debt that the people that I borrowed all my money from and didn't pay them back were bad people when the truth of the matter is they weren't bad people you were bad people because you