re: How many of you follow Dave Ramsey's advice for everything?

DR is for people who can't handle money. Lots of his advice is just stupid but sometimes people are dumber than his advice and it works for them. Some of the concepts he preaches are sound, but some are just "I couldn't handle a credit card so nobody could handle a credit card" and that is just dumb. We make a couple hundred dollars a month off of cash back CC's and get some nice perks on some of them and never pay a dime of interest, I also don't keep any annual fee cards.