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Being debt free is a primary goal. But the ways Ramsey says to reach that goal are sub optimal for financially literate people.

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But the ways Ramsey says to reach that goal are sub optimal for financially literate people.

Most people are not "financially literate," whatever that means.

The world if full of "financially literate" con artists, some of whom are very "respectable."

The way to avoid them is to never allow yourself to be vulnerable to them by doing business with them.

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On the other hand you might still have lost your business and be even more buried in debt.

One of the primary goals of the plandemic was to exterminate small businesses.