"I have been listening to him in the afternoons and got his book from the library." Good for you no cc used even LOL! You can also watch him on the internet also if you don't have cable like us. Dave Ramsey speaks common sense and you can take from it what you want. I still have a few cc's but we rarely have a balance. Then there are people who do need to cut up their cards until they get thier finances in order.Two people we gave the book to need it the most and want to put only negative spins on Dave Ramsey. They don't want to give up their lifestyle. Eating out, buying on the whim etc. One had their car repossessed the other has all cc's maxed and giving blood for money! Ridiculous! So Sad! "Don't try and keep up with Joneses, because the Joneses are broke!"