It's ridiculous for those who are good at managing your money and debt, of which this site's audience probably has a decent percentage who can. As Entrepreneur'

It's ridiculous for those who are good at managing your money and debt, of which this site's audience probably has a decent percentage who can. As Entrepreneur's it's a necessary skill. But the fact is that we're a minority and the majority of people are bad at managing money. And so long as you're anything less than good at managing your money, a credit card represents risk. And so for those who don't pay off the debt, the risk grows. I like Ramsey, he goes balls to the wall and is over the top, as the site mentions he can get repetitive painful at times. And the NO-Debt approach, as you are noting, is a bit crazy but for those who have proven they can't be trusted with debt, then this is the safe choice. Your response is fine, but I think you're approaching it from a normal, well balanced and money conscious individual. There are people who call into his show with literally $250,000+ in debt between their house, car, boat, property lots, and they've got a sliver of that as income. These are the people he's marketing towards. Not you.