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I have listened to Dave Ramsey since late 2007. My husband found his TV show on Fox Business one night. He came down the stairs and said “there is this guy on TV you might like”. So I watched and was hooked. Since then the TV show went off the air but in the interim I found the podcasts and listen to them regularly.
Dave Ramsey is a huge advocate of using cash and rages against credit card use. He has rational and logical arguments against this. I agree that they are really are a convenience.
In early 2008 we decided to make the switch from using credit cards to cash. I had used credit cards since I reached theoretical adulthood at 18. I thought it would be a minor change and in some ways it was, but not in others. Here is what I discovered when I made the switch.
Spending cash requires…
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