Dave Ramsey is America’s trusted voice on money and business. He’s authored seven national best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, Dave Ramsey’s Complete Guide to Money, Smart Money Smart Kids, and The Legacy Journey. The Dave Ramsey Show is heard by more than 12 million listeners each week on more than 575 radio stations and digital outlets.
As a seasoned communicator and Ramsey Personality, Rachel Cruze has been speaking to groups as large as 10,000 for more than a decade. The daughter of Dave Ramsey, she joined Ramsey Solutions in 2010 and uses the knowledge and experiences from growing up in the Ramsey household to educate others on the proper way to handle their money wisely and stay out of debt. Rachel co-authored the #1 national best-selling book Smart Money Smart Kids with her dad. Her new book, Love Your Life, Not Theirs, releases October 2016.
A popular and dynamic speaker on the topics of personal finance, retirement and leadership, Chris Hogan helps people across the country develop successful strategies to manage their money in both their personal lives and businesses. He is the host of the Retire Inspired Podcast and the author of Retire Inspired: It's Not an Age; It's a Financial Number, a #1 national best seller. For more than a decade, Chris has served at Ramsey Solutions as a trusted financial coach and Ramsey Personality.
Chris Brown is a nationally syndicated radio talk show host, pastor and dynamic speaker carrying the message of stewardship and intentional living nationwide as a Ramsey Personality. Available on radio stations across the country, Chris Brown's True Stewardship provides biblical solutions and sound advice for questions on life and money. Prior to joining Ramsey Solutions in 2014, Chris spent seven years leading many to Christ while growing churches in North Carolina and Florida. Chris and his wife, Holly, live in Franklin, Tennessee, with their three children.
An inspiring and enthusiastic presenter, Christy Wright has spoken to groups of thousands at corporate events, women's conferences and some of the country's top universities. Christy is also a certified business coach whose direct and genuine presentations cover a range of topics from business and money management to personal development and goal setting.
At age 19, Anthony ONeal was deep in debt and short on hope with no direction of where his life was headed. But after hitting rock bottom, he turned his life around and committed to helping students find and pursue their passions. Since 2003, Anthony ONeal has helped thousands of students succeed with money in their work and personal lives. Now Anthony has joined Ramsey Solutions to spread this encouraging message to students nationwide as a Ramsey Personality.
The Credit Score! There are so many conversations around this topic, so I thought it would be a good idea to break down how it’s calculated and whether or not you even need one!
No, I don’t think you’re crazy. In fact, for the audience you and Dave address, those who have proven to be irresponsible with debt, I think you are both 100% correct. An alcoholic really can’t go back to social drinking, the only way is to quit cold turkey and never go back.
For the rest of us, there are some impractical aspects to not using a credit card. Airline tickets, Hotel, and Car rentals, for example. I know these can be done with no card, but it’s not so simple.
Renting an apartment – I worked for a realtor who rented multiple apartments, and we used a background/credit check. Those who had no credit score were not approved. We may very well have lost people who would have been great tenants, but it was tough to judge who had no score due to their superior money management vs those who were simply ‘off the grid’ and trying to hide their cash flow. No credit, aside from new school graduates (which we approved) was viewed as a red flag.
Last, aside from any ‘cash back’ (which I know Dave hates) cards offer purchase protection. My wife and friend ordered custom furniture and before delivery, the store closed up. We got a credit back on the card. The friend lost her money. Custom pieces were ‘pay in full’ when ordered.