[fogarty]

Actually, I never heard of Dave Ramsey. I just am following my father's advice passed down from his dad. Those who are wise store up grain during good times AND bad - because bad times have a tendency to get worse.

[SoDak]

I heard the same thing from my dad, but it's sort of a lost wisdom these days. My dad was a tight Norwegian farmer, and hated nothing more than debt. He told me never to borrow a dime, unless it was for a house. Dave Ramsey has a nationally syndicated radio show, and essentially offers the same advice.