People like Dave Ramsey have to be careful what they say. Sometimes saying the blanket statement is less damaging to the masses than the more correct case-by-case numbers answer, especially when his message is to the masses who are in financial trouble.

TL;DR: If you take a single thing one person says and dissect it, you can spin it however you want. Dave Ramsey’s overall message and advice is for the masses and is geared towards the majority who think debt is normal. If everyone did the basic math, America wouldn’t be in trillions of debt from credit cards,…