OK, so Dave and his wife had problems with credit cards in the past, that doesn't mean that other people can't use them successfully as one of many financial tools.
Ramsey’s plan turns the tables on what we believe about money. We tend to use debt for “emergencies” and big ticket items. Ramsey says to use savings for those instead. Most people are reluctant to use savings because it is “their” money. They don’t realize it is better to pay yourself than someone else.
That’s why so many people are in debt.
Explain to me how paying 20% to 30% interest for something you think you need now can be a successful financial tool for anyone other than the credit card company.
Let me tell you what Dave Ramsey is selling. He is selling the very rare commodity of Common Sense and peace of mind. If you don't want that, or don't need it, then don't listen to him. Wow, how hard is that?
That's my assessment exactly. He does have an almost cultlike following. I'm not sure where all this anger towards him comes from though. Maybe from people who got out of the cult? His advice isn't terrible. It's just not for everyone.
I don't like how he mocks those of us who use credit card rewards points. If he thinks the Millionaires Next Door aren't sitting around bragging about the free stuff they get from their credit card points, he's just not paying attention.