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<blockquote data-quote="Jackburton" data-source="post: 2351026" data-attributes="member: 34538"><p>I'll be flying to Europe next year in business/first to stay in London for 6 days at the Hyatt Churchhill then 7 days to tour Ireland and stay in a couple castles along the way. Wife has the whole thing planned out, the flight alone is worth 14k, the Hyatt we're staying is at the club level is $650 a night. The hotels we're going to stay at in Ireland, barring the castle stays are $200 a night.</p><p></p><p>Everything I just mentioned will be paid with Chase Ultimate Reward points I've earned though sign ups and everyday spend/catagory spend over the past 2 years.</p><p></p><p>The only time I've paid interest on a credit card was waaaay back when I didn't plan and had limited choices. So for about 17 years now I haven't paid a dime in interest to a credit card. I pay my credit cards off weekly and don't use my debit card at all.</p><p></p><p>Dave Ramsey helps those who lack self control or are deeply in debt and need a way out. When he gets a call about those that PIF (pay in full) on credit cards he always says "I haven't met a millionaire who made is money on points" or "why play with snakes when you can just use your debit card, it has the same protections".</p><p></p><p>Much like alcoholics need to stay away from alcohol, financially irresponsible people need to stay away from credit cards. Dave considers everyone is a possible alcoholic and treats them as such.</p></blockquote><p></p>
[QUOTE="Jackburton, post: 2351026, member: 34538"] I'll be flying to Europe next year in business/first to stay in London for 6 days at the Hyatt Churchhill then 7 days to tour Ireland and stay in a couple castles along the way. Wife has the whole thing planned out, the flight alone is worth 14k, the Hyatt we're staying is at the club level is $650 a night. The hotels we're going to stay at in Ireland, barring the castle stays are $200 a night. Everything I just mentioned will be paid with Chase Ultimate Reward points I've earned though sign ups and everyday spend/catagory spend over the past 2 years. The only time I've paid interest on a credit card was waaaay back when I didn't plan and had limited choices. So for about 17 years now I haven't paid a dime in interest to a credit card. I pay my credit cards off weekly and don't use my debit card at all. Dave Ramsey helps those who lack self control or are deeply in debt and need a way out. When he gets a call about those that PIF (pay in full) on credit cards he always says "I haven't met a millionaire who made is money on points" or "why play with snakes when you can just use your debit card, it has the same protections". Much like alcoholics need to stay away from alcohol, financially irresponsible people need to stay away from credit cards. Dave considers everyone is a possible alcoholic and treats them as such. [/QUOTE]
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