[jodi]

Hmmm...dealsaver, have you read the book? My curiousity got the better of me and I am in the process of reading it now. Dave Ramsey advocates no cc debt at all after the original debts are paid off. Sure, someone might pay more interest in the long run until they get to that point, but he certainly makes a stand for never going into debt again.
Just my $.02...I may chose to do some of what he says or not...my personal philosophy is to pick and chose what works for me, but other people like being told exactly how to achieve their goals...to each their own!