There have been a few members on this board that have insinuated that Dave Ramsey's advice is poor advice. One even suggested that taking on more high risk debt as a way to make money to pay off their debt is better than following Ramsey's Baby Step Program to get out of debt. And people wonder why the average American is in such financial distress.
I like Dave Ramsey, but I look at him more as preaching a lifestyle than giving financial advice--which is not insignificant. I can't believe the number of smart people I know, who don't handle their money well.
In my case, I have the discipline to pay my credit card in full every month, with absolutely no exceptions. However, being recently retired, I have been more aware of my spending habits, and have gotten in the habit of paying cash. We put all of our money we make from odd jobs into an envelope, and we use it as our entertainment account. It is amazing how after a significant amount of money is accumulated, you do not want to spend it. So, even though I would pay the card in full after going out to dinner or taking a trip, paying with cash make you think twice before spending money. That is the lifestyle that Ramsey teaches.