Dave Ramsey - What do you think?

[MaintenanceGuyMD]

He makes some good points, though I don't agree with everything he says. He says he doesn't use credit cards and won't get one. Everyone should get a credit card with cashback rewards, but the key is always pay off the balance in full each month. If you have self control, it works out in your favor. Just from groceries alone, I can make at least $200 a year cashback, tax free.