[Bartman387]

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JB,

I didn't say "a lot" of debt. I simply said "debt." If you're never leveraging what you've got, you're leaving a ton of assets on the table and enjoying a lower standard of living than you would otherwise.

Dave Ramsey tailors his advice for his main audience: idiots who have $30k in credit card debt and don't know what to do. In light of that, his advice - stop spending more than you earn - is good. But for the rest of us that can be responsible, you're better off taking a consumer econ class at a local CC than spending the money on his books, tapes, and whatnot. You'll learn the same things but have a deeper understanding and be able to handle your life without maxims such as "debt is bad."

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The idea of not spending more than you earn is what kind of drew me into his show, but I do agree that he can be simplistic at times.

I don't own his books or tapes, etc. I just listen to his show and have perused his book at B&N, I didn't mean to sound like an echo chamber. However, I still wonder why not pay cash, and put the money you would be using for interest on things toward investments?