How this radio host went from rock-bottom debt to becoming a financial guru
2018 ж. 2 Там.
245 794 Рет қаралды
Dave Ramsey, who gives financial advice to his millions of listeners, is one of the most listened to talk radio hosts in America.
Dave Ramsey, who gives financial advice to his millions of listeners, is one of the most listened to talk radio hosts in America.
Borrowing money u don’t have To buy stuff u can’t afford To impress people u don’t like -Dave Ramsey
That's a Fight Club quote...
I HAVE ALL THE MONEY...the credit card companies frown on *PRE-PAYING* for purchases
Although a fantastic quote, Ramsey is not the originator of it, it's been around for decades plus. Many life coaches, life philosophers, etc. have been quoted as saying it...
Yup , that the reason most people are broke.
I love making $1,000's in airline miles and cash back...using CASH pays squat
He is the strict father so many out there need
That's why he garners a lot of haters too. So many people don't like being told they are wrong and don't know what they are doing in life.
Papa Dave
He changed my life!! 26 years old and paid off 43k in two years. Retirement account maxed out! He’s like the boot camp of finance. Thank you Mr Ramsey
Dave Dez do the baby steps....those are LITERALLY the instructions. When you buy a product that needs to be put together you follow the instructions right? Step 1, then step 2, then step 3 and so on. Don’t skip a step
Wow Jen congrats!!!!! I’m so happy and proud of you. Thanks awesome!!! . Wish I found him in my 20s but better late than never ;)
He is awesome every American listens to him. Can be a Millionaires. Save and invest your money 💰. Wipe out homeless and food pantries for good.
I’m 22 and lost. Any advice?
I'm an atheist liberal and I tune in to Dave almost everyday. He certainly isn't just for Trump's America, he is common sense financial advice for all Americans. Love him!
The media loves to politicize anything and everything to gain more clicks and views.
Agreed, im not religious so I don't agree with some of the stuff he says that's bible centered (tithing when people are broke/not even able to pay their basic bills is insane to me) but I love and practice alot of what he says.
Hayley it’s not insane to you, it’s insane in general. But unfortunately people need to feel that void.
@@robynjoy910 ok good I'm glad someone else agrees 😂
Same here. Was annoyed they tried to politicize his message.
Dave Ramsey got me out of debt in 2 years! 32k gone! God bless this man!!
Desmond Sawyer Proud of you!
No, you got yourself out by being honest with yourself and your situation and realized what needed to be done. Dave merely adjusted/shook up that small part in your brain.
@@chrisgast Well said.
How ?
I GET OUT OF DEBT AT THE END OF EVERY MONTH...100% credit cards...$0 cash *(IT IS TOO EXPENSIVE)*
Ramsey deserves to be the #1 radio host, he's actually helping people.
Dave does deserve to be number 1 radio host. All Limbaugh and Hannity do is talk trash about people. Dave helps people and makes their lives better.
@@Bostonboi80 That I agree with!!!
His plan works. Wife and I got organized and cleared 20k of debt in 8 months. We owe 155k on our home and are now on track to have it paid off in 9 years.
Awesome! Bet you could do it even sooner if you wanted to live on bare bones, too. Good luck! DR saved my life and has taught me so much (things that schools aught to be teaching as well).
9 yrs?
If you listen to Dave Ramsey with an open mind rather than waiting to get offended by every other word... YOU WILL CHANGE YOUR LIFE!
True, people these days get offended just for the sake of being offended.
That's how I feel about trump
I agree!
Yes. Yes yes!!!
I’m debt free. $63k in 6 months... I don’t feel ripped off. 😂 I feel... FREE!!!!
what was your strategy?
100% CREDIT CARDS...$0 DEBT...$1,000's in rewards
@@ORION2180 Live within your means the problem is humans in general don't think much into the future like maybe one or to weeks. We think my pay check will be $300 next week my bills are $150 I'm good. When you carry debt for years you actually spend 3-10 times what you originally borrowed. If you owe a ton of money sell everything you own which you don't need to live. Buy an old car fix it yourself do what ever it takes to lower your money going out vr money coming in. If you think about life how many minutes a day are you awake and working for someone else. If you are in debt you are working for bankers because the money your making is going straight into their pockets. Being debt free is about the feeling being free no being a slave to bankers. I know people who hate their job but they are in so much debt with no savings they can't just leave and go find another job if they had 100k in the bank and debt free it would be no problem walking into your managers office and say here is my 2 weeks I'm leaving. High debt means your trapped in a job you hate.
Amen to that! You sell things you don't need. Get rid of a car you can't afford and buy a cheaper vehicle, get rid of credit cards,and save save save ! Don't eat out as much.. Eat cheap at home meals like soup, beans , eggs , rice etc.
@@LIZZyNIqUZZ10 Enjoy your *EXPENSIVE CASH* I'll stick with *CHEAPER CREDIT CARDS*
I’m 23. I’m 6k in debt. $0.00 dollars in the Bank. I’m so glad I found this man before digging myself into a bigger hole. Thank God for Dave Ramsey.
you're lucky you found him early. 6k in debt is literally nothing and something you can easily pay off within months. Good luck
Thankfully you found him early!! You can do it, work hard and listen to DR non stop, it'll motivate you so much.
since yre black I bet it a payday loan right
@@cooltu2000 university.... asshole
Yo are you from rebel media?
I love how he said “ as a person of faith I can’t support trumps behavior”.
Lol it’s just a stint so he doesn’t attract the negative press and cancel culture
Thanks for clarifying your position on the President.
"Live like no one else so that later you can live like no one else"
"live AND GIVE like no one else" , he is big on giving
"I'm better than I deserve."
@Earl Rogers LMAO.
When people ask me how I am, I answer “Better than I deserve.” The look on their faces is priceless. Thanks to God and Dave Ramsey, WE’RE DEBT FREE!
gavin mimi I’ve been so afraid to use that saying for so long but I don’t want people to think I’m depressed haha I want to use it so bad
@@tenalienoreos8802 don't be afraid. I've never come across anyone who is offended by that term. In fact, everyone finds it amusing or it opens the door to a conversation.
I love when Dave says that!
“Call the wambulance we all work hard” lol😹🤣😂😅
JULIANNESMAN w Dave is funny as hell
Yep..even fast food workers
I was just laughing at this lol
Our family paid our home off in 8 and 1/2 years thanks to his advice. It feels wonderful and I'm very grateful for learning about Dave in my twenties!
Naomi Talking Money congratulations!
Naomi Talking Money just made my last mortgage payment half an hour ago👍
COngratgulations! you're a weirdo!!
Peggy Pearson congratulations weirdo!
Paid off mortgage 7 or 8 years early thanks to *CASH BACK FROM CREDIT CARDS* We would still be paying that mortgage if I didn't use credit cards
Basically what he's saying is that people need to stop looking over the fence at what their neighbors have. Most of the time the neighbor is looking at your circumstances as well, so you both sink together
At first I didn’t like him, but after about 4 days of listening I was hooked. I started listening about a year ago and this month I paid my cc down to zero. Thx Dave
I had $24,000 for the student loan debt and we had just bought a new car… I started listening to Dave Ramsey within six months the car was gone and the $24,000 was paid off and we had $10,000 in an emergency fund. It works plain and simple. It's more about discipline than anything else
Congratulations Tyler. Good job. 👍
I'm debt free! $55K paid off in 1 year. Thanks Dave!
This segment made Dave Ramsey look like a jerk. He's not screaming at people and being obnoxious all the time. They just picked the worst parts. 99% of the time he's calm and understanding
It doesn't matter if Dave is shown screaming at people. Sometimes that is what he needs to do to get through to some of the people he talks to. Dave is a good man, whether he's screaming at somebody or not.
Great video. Dave isn't selling snake oil. It's just basic financial truths, the same truths that my parents taught my brothers and me in the 1970's-early 80's about money. We've stayed out of debt, saved and invested, and are doing extremely well. It's just called discipline. Again, great interview with Dave.
When you really get a handle on your money and know every dollar and where is goes you realize you have more than you think. Those stops at Target $30-$50 add up. I was blessed while commuting to work I was able to catch his radio show. Started listening and making better decisions and cleaning up small debts and knocking stuff out. I am not perfect but I have made great progress and life is a little less stressful when you can make progress and not stupid decisions. I drove a 2001 Nissan Altima with no AC for two years and yes it sucked but now I have a paid for Chevy Silverado WITH AC! And it’s wonderful
I am a Muslim woman and I've been following Dave Ramsey for the past 2 years, we're debt free except for our home and it'll be paid off in the next 6 months God willing. He has changed our lives for the better and I am grateful to him for that.
Dave is the real deal. Everything he says about financial wealth is true. I love his youtube channel.
For me it's good for a laugh and it's free. Raise your hand if you would pay to watch these videos. I'm still looking! Lmao!
He gives sound advice to make people question their spending habits. He is a traditionalist in how he views personal finance. Yes, some people can leverage other people's money to make money and all that, but those games most normal people don't want to play. Folks who take Dave's advice and become debt free, have a more stress free and simple life financially. Those folks that are too smart to listen tend to be so consumed about money that they stay stressed and eventually make bad decisions.
My wife and I paid off $43,000 in 17 months, all that is left is the mortgage. We were on Dave's show back in April of 2018 for our Debt Free Scream. Life changing stuff!
My husband and l call him Uncle Dave. Hes like that uncle that tells you the hard truth because he cares. With his advice we are getting out of debt.
I like Dave. I may not agree with 100% of his opinions, but the man knows his stuff. He's been through it. I will never finance another car as long as I live, thanks to Dave's advice. I don't think that most of us realize how much we're paying in interest every year, it's insanity.
Kaylee F I was thinking of financing a car next year but since I started listening to him just days ago I realized how stupid of a decision that would have been. Better to save up while driving a beater and eventually buy the new car in full and only worry about insurance minus the big car note
Guys remember, Dave doesn’t work miracles. He helps you to architect a workable/feasible plan to make your life more rewarding. Sometimes it requires that you increase your wage, he cannot help you with that, sometimes it’s the discipline you need beat in your head. It’s all about perspective. He’s not a savior, he’s a financial solutions architect, a great one too
He is not an architect. He is a motivational speaker who is good at shouting people who have low self esteem and no self discipline. He gives a wake-up call which is what most people need.
Right. If you make only 2 grand a month, there is no way to help you out. You gotta make more money.
I agree 100%.
Ramsey is the truth when it comes to personal finance
Ramsey filed bankruptcy when he had major debt problems, but he tells ALL his callers to NEVER file bankruptcy, but instead to eat rice and beans and never go out or have any fun for several years until they pay back every dollar they owe. He's a complete hypocrite and a con man.
888strummer If you actually listened to his show, he doesn’t say never file bankruptcy. He clearly states it as a last resort and many ppl who file bankruptcy aren’t actually bankrupt. He’s actually trying to help ppl avoid a path that can make life harder for them down the road when they don’t realize their situation can be salvaged by actually attacking the debt.
@@choiboix Bankruptcy resolves the stressful days immediately. It stops almost all bill collections. Lets you sleep at night.. That's why he did it. No years of working your ass off to only pay bills. It is in our legal system.
@@choiboix Dave didn't live on rice and beans and live like crap for many years; in 1 court appearance he wiped out all his debt and got a fresh start. And by getting a fresh start, it allowed him to immediately get off his feet and move ahead with his life. And his kids got to eat well and enjoy their lives as well. Yet, I've listened to 100's of his shows and never ONCE has he ever recommended bankruptcy to any of his callers; even in the most obvious cases where bankruptcy should be used. Some of his callers do not need to file bankruptcy, but many would be best served filing bankruptcy and getting a fresh start, which is exactly what Dave did. What worked for Dave was bankruptcy and that's what works best for many, but he tells EVERY caller to live like crap for many years, even though he didn't. Complete Hypocrite!
888strummer Obviously you haven’t listened to the show enough. The story is he had several million dollars debt. When his loans were called, he was able to sell everything and get the debt down to couple hundred thousands of dollars. However, the bank wouldn’t extend him more time to pay off the balances and they were coming into his house to seize all his assets. That’s the reason why he filed bankruptcy. It was a last resort. Not a get out of jail free card he took advantage of cause he wanted to. As much as I don’t agree with Ramsey in his politics, his basic premise of getting out of debt and investing is a sound common sense principle. And btw, he has recommended bankruptcy on the show. KZhead it. It has happened.
*Thank you Dave Ramsey ! My husband and I are debt free ,and are about to buy our home in February* we stopped buying things we can't afford. Saved saved and saved .! 💕
I'm glad I found out about Dave Ramsey before I got a new auto loan. Best decision of my financial life to begin listening to his financial advice. Like he says it's not 'get rich quick' it's 'get rich slow'. Slowly but surely.
I owe so much to this man. Debt free from my college loans and met him and Rachel in person for my debt free scream. Incredible people and life channging experience.
Dave Ramsey is the financial emergency room.
steve b do your research. He went back and paid it all off
I started the baby steps in August of 2017 with $209,517.17 and just started on baby step 6 last week (this included selling a vehicle, an investment property, and a house along with liquidating other properties to pay off debt). I would have never imagined I could do it without his method and common sense approach. I still have my mortgage to pay off but I am well on my way to being completely debt free by the time I am 40. I highly recommend Dave's baby step to anyone looking to get out of debt.
Dave Ramsay is a boss
I feel you. But i guess i am just overwhelmed with EVERYONE around me. Spending on coffee, lunch and wasting soo much $. Dave helps people change fot the better with tgeir finances. Step by step really feels easier. Remember, over 90% of us are NOT saving $.
Alma Aparicio don’t worry what other people do with their money. The world can’t function wo a certain amount of debt so we need to those people
I have Dave Ramsey to thank for my financial security and we do not share political views and I am not a Christian. None of that matters because he speaks the truth, and I listened. As I continue to listen, I still do not hear anything that makes his message reserved for conservatives and right-wingers. He simply tells it like it is. I am almost 67 and I discovered him in my 30s and I give credit where credit is due. I have my dad to thank, too, because my dad is also very wise about money though he did not become a public figure. But what my dad advised made it possible for me to hear and believe Dave Ramsey's lessons. Dave, if you happen to ever see this, I appreciate you. Everyday millionaire here and was definitely not born into it.
Wow so nice to watch Dave Ramsey’s interview and a short tour of the their office.
I'm a progressive liberal and I love Dave Ramsey. The man changed my life and my family's life.
He's a hero and Legend. He's helped so many people. Finally someone that cares about others with tough love. I love him and tell everyone about him.
Done the Financial Peace University, it was worth it x 100! I'm on Baby Step 3B now. The instructor met Dave Ramsey in person and helped the guy do a budget and talked to him for like 2 hours one on one! Dave Ramsey does actually care about people and believes in what he teaches.
350,000k in debt 13 years ago. business and personal. down to just 15,000k left on our house. Thanks Dave and crew ! I am sleeping well now.
Dave you are a gift to the world. Before Dave Ramsey i was a financial idiot!!!! NOW I refuse to give my money away, i got my $1000 emergency fund, never had that in my life! I feel so much more confident, so much more secure. Nothing dave says it unrealistic....we can all do it!
Keeylz congratulations 🎉
I ♡ Dave Ramsey! It all makes sense! America needs to think about financial decisions for the best future. Being in debt is unbelievably soul-crushing!!! Debt free is the ONLY way to live!
Dave filed bankruptcy but he tells EVERY caller of his not to file bankruptcy, but instead to live like crap for many years until they pay their debts back. You love Dave Ramsey?
@@888strummer It truly is all behavior. Bankruptcy does not let you accept responsibility nor does is allow you to change! Trust me, it's a temporary fix. You will be right back in debt in no time! !
Very few people are born with that sense of responsibility. Maybe 3 to 4%. Most of us don't think about our daily expenditures, much less about our future! But with A LOT of effort, we can change......
@@almaaparicio9104 It worked for Dave very well. And for many others who file bankruptcy and learn from their mistakes. Some do and some don't, but I've listened 100's of callers to Dave Ramsey and NEVER does he suggest to anyone to simply file bankruptcy and then learn from their mistakes, as Dave did. Dave didn't eat rice and beans for years and live like crap for years; instead he waltzed into court and wiped out all his debt in a matter of seconds and then went on to kick ass in life. But what worked for Dave isn't what he suggests others do and that's why I think he's a conman.
@@888strummer actually not true, sometimes he does agree with filing bankruptcy. I have heard at least twice where someone was in a really bad situation & bankruptcy was inevitable. So that's just not true.
Dave Ramsey is the best when it comes to financial advice ! On his plan and can't wait to be debt free and pay everything with cash at such a young age. Start young and start now!
Paid off $56,819 (student loans, two car loans, a credit card, and a smart phone) in 299 Days on Dave's plan. There is nobody else in the financial industry that can claim that there listeners have this kind of turn around based on their influence and teachings.
That's quick
please explain how you paid off the student loans so quickly
Went from having credit cards and student loans and being reckless with my money to being debt free in a few years. His plan works and I only paid ten dollars to buy his book used online. Those ten dollars changed the way I handle my money!
While I was never all that deep in debt, I always spent money like there was no tomorrow. I pretty much always got paid every 2 weeks and after bills and spending, I had no money left by the end of the first week. I finally had enough. I paid my debt, cut my nonsense spending and now have more money than I have ever had in the bank-thanks to this man's teaching. We are always taught that more income is the key when it's actually controlling what you already have.
Dave Ramsey is the best! This month marks 3 years that I have followed his plan. My wife and I have paid $270,000 in debt (student loans for law degree and MBA, car loans, medical, etc). It works believe me...financial peace is the best. It’s solid advice. Not your “get rich quick”. Total mentality change about managing resources.
Dave's the BEST!!!!!! We're 1.5 years into our debt payoff and the students loans, medical bills, and credit card bills are GONE! Just 1 car loan to go and WE'RE DEBT FREE!!! The stress relief from NOT paying tons of people is amazing.
If you are in severe debt and have trouble being financially responsible Dave Ramsey is a very good example/program. i do think that a lot of people who are zealous about singing his praises do overlook that if you are looking to achieve financial security and invest wisely his advice can actually be a significant roadblock for that goal. It really depends on your own personal weaknesses and current goals.
Very wise man and tells the truth with Love. Thanks you Mr. Dave
Followed Dave's advice and paid off about $16k in credit cards and home mortgage in about seven years; about five years later paid off mortgage on rental house. Retired debt free and sold rental house.
How much money did you make off rentals.
Dave Ramsey is awesome! He tells people what they need to hear, not what they want to hear. We need someone like Dave Ramsey as our President. Someone with fiscal responsibility and common sense. You rock Dave!!
Debt is a major problem in America. Personally I think it's because our culture is obsessed with convenience. It's much more convenient to just go out and spend on the credit card. It's a real pain and really inconvenient to work a lot of hours and sacrifice to save up money to pay cash. It's simply not easy to live that way and most people won't do it. As a result, America is up to it's eyeballs in debt.
I don't think that's a convenience issue, since a debit is just as convenient. What we have is an instant gratification issue, I'd say. Credit is just too easy to get. Companies are too willing to let you keep working your way up in credit as long as you make payments.
It's a major problem in Britain as well mate!!!!
@@anneperry9014 That makes me feel better than us Americans aren't the only stupid people in the world. Sometimes I feel that way living in this country lol
Agreed, I tend to spend a lot of money on eating out mainly for convenience. But at the same time I almost feel like its smarter to save time this way because driving to the store, buying food from the store, cooking it, and cleaning up afterwards is time better spent elsewhere, like making more money for instance.
That's part of it, but another issue is wages. Lenders have manipulated debt in order to keep the economy growing while wages remain relatively stagnant. It's difficult to make large purchases in this day and age without going into debt. Now, I'm a huge Ramsey fan and I'm debt free and only pay for things in cash (thnx to Dave), but people like myself are not good for the economy. The economy needs spenders.
Long Live Dave Ramsey! if there is one person who gives me good advice on how to take care of my funds it is him.
Was shocked to see a young clip of Dave- who was that dude
Listen to him and listen to his advice it has changed the way I see money and helped me pay my debt down. I can now see a clear future.
You changed my life Dave! Thank you!
Good story! Ramsey's principles work, I watched work for me.
The thing with Dave is that what he says makes sense when you think about it. Its not bad advice designed to rip you off if its logical.
Dave is more attractive now as an old man than when he was young.
People LOVE to hate on Dave Ramsey and I don’t get it. He’s helped millions of people win with money. I don’t agree with every single thing he says. I still listen to him everyday. He provides a simple financial plan that anybody can follow. If you don’t like his plan, then do another one. Just stick with it. He’s said that countless times.
fglend73 they’re jealous of his success.
Thanks to God and Dave’s advice. We were able to pay all of our consumer debt.
I was going to buy me a bigger home just to keep up with the Jones’s. I have 3 years left to finish paying my mortgage off. I came across Dave’s Ramsey KZhead videos, and he made me change my whole perspective in not buying a bigger and newer home. My whole philosophy changed, and now I am almost done paying off my debt. I’m following Dave’s baby steps. In addition, I started to investing in the stock market.
Dave Ramsey is an honest tell it how it is guy. We need more leaders like him. He is a person of integrity who is changing the world one person at a time. A good Christian man....proud to support him.
I am not conservative and not religious but Dave Ramsey has changed my life. He also is not a “voice of Trump’s America”. He and his personalities are there to help anyone who wants it. Just to repeat, I cannot emphasize enough how much he changed my life for the better
He’s helped me! Love you Dave ❤️💕
OMG KZhead turned me on to this man thru their recommended videos on 4/20 and I watched probably half of his videos that weekend. He lit a fire under this butt right here! I have no credit card debt, so on 4/21 I scheduled a payoff of my lowest student loan using savings I was afraid to touch, committed to his Baby Steps program, and will have the 2nd and last student loan paid off this summer. I am so looking forward to paying off my house, which without a 2nd gig will probably take 24 months on my current salary. Gotta do it while I can. The thought of somehow losing my house and renting scares me!
They tried so hard to politicize this.
Yeah and he wasn’t having it! How refreshing
A white Christian straight male... of course they had to try and drag trump into it.
Yeah that was super uncomfortable and disappointing.
Dave Ramsey is a great man. Debt free and on my way to having a paid for house!
Dave helped me ... A LOT! Cha-Ching!
Love the investment and dedication of his work and the heart to care for others great teaching methods
I really like Dave Ramsey, he seems like he really wants to help people get out of debt.
Dave Ramsey Rocks and i dont care who says wot negativity about him. He has helped many ppl to realize the value of money n how to build a bright, stable future.
I’ll be debt free in 3 months, for the first time. I haven’t been ripped off by Dave. I’ve been shown how to get my financial life on track and make a future for myself.
What's Dave is teaching is not other than the way people spend in other places around the world. Americans are just so hungry for material stuff so they go in debt so quickly.
It's not just that. Debt is marketed as a necessity in the US, to the point where people think it is normal.
I started listening when I was 20, I didnt go to college but had amassed 21,000 in debt by that time. I paid it all off by 22 thanks to his plan, and truly feel free. Now for the first time I feel like I have a bright future ahead of me even though I still live in a trailer park hah
His baby steps work ! My wife finished college her masters and had 43k in student debt we have been following Dave Ramsey’s steps we are 28 years old and we owe just about 23k almost finished .. but it’s not easy you have to be determined To live below your means .. manage money well and stick to a budget!
This dude changed my life
Bless Dave Ramsey ✨ I'm in baby step 2
Thanks to Dave..the greatlooking car that i used to envy,i didnt buy it and swim in debt..now i got a paidoff car,home and retirement easily and comfortably on track
Honestly wished I had awoken to dave ramsey earlier in life.
If our government had him in charge, we wouldn't be freaking out over the financial debt or our kids futures.
Less sugar coating the better!!! Tell’m Dave!
You don't need to buy Ramsey's book....it's in every library in the country
Freedom Ring Baby Steps are on Google
You can also listen to it on KZhead.
I'm sure KZhead won't waste their time demonetizing his channel.
If KZhead does that, they are stupid.
His channel is not political or controversial, so it wont.
GOD BLESS Dave Ramsey!!!!
Dave Ramsey provides what a lot of financial advisors fail to offer. That's simplicity and support. People do not have time to try to decode all the financial industry rhetoric. Folks just want to know that they are capable of getting their finances in order and want a game plan for doing it. I have to admit that I judged Ramsey for being a Rush Limbaugh-type, but after really listening to him, he actually isn't vitriolic or even political.
We paid off $122,000 of debt it works thank Dave
This man fixed my life. I am not exaggerating.
Love him. We are on the right path thanks to him and the Lord!
Love Dave!!!
PLEASE !!!!! More D.R. "DAVE RAMSEY" on ABC !!!!!!
Credit card debt free for about a year now. Just that feels amazing. Can't wait to pay off the car. If I can do it, anyone can.
Thank you Dave. Everyday millionaires.
Financial guru is a major overstatement.
I love this guy! 👊🏼♥️
God blessed this man
I like Dave Ramsey, I've got a different opinion on credit cards, but he's spot on with everything else.