Well said straycat. He gives very basic advice that many people don't know. Dave's hating of credit cards is him making a point about borrowing money. The overwhelming majority of folks do not payoff their cards each month. I took his class, it changed my life. Not because we didn't already know the basic principles he preaches but because we were sloppy. My wife and I had a high income but we spent like crazy. After we focused on it, we were debt free except for the house in 3 months. We have money in the bank, pay for EVERYTHING as we go and will retire well before Social Security age.

Dave's arrogance and "my way is the only way" mentality drives me nuts. The reality is, he talks about stuff that the majority of people either don't know or lack the discipline to do. How can talking about getting out of debt, saving for a rainy day, investing for the future and giving to others be a bad thing?

"The democracy will cease to exist when you take away from those who are willing to work and give to those who would not." Thomas Jefferson

"I ask, who are the militia? They consist of now of the whole people, except a few public officers." George Mason