[akaivyleaf]

I think the point Dave is making is not about juggling credit/rates from one place to another but to rather not have the need to do these things. I think a person is on a higher plane when they aren't enslaved to debt except for a house which is what Dave advocates. Now I don't agree 100% with his tactics, but the message I think is a good one. I would love to attend a FPU but I haven't made it yet, but then again, I'm already at financial peace through just listening to his radio broadcast, and others like him and reading books, staying on forums like this and changing my mindset and living structure.