[disneysteve]

I agree that DR makes some good points and some not so good. Like Ima, I think credit cards, used properly and responsibly, are an excellent financial tool that should be part of everyone's toolbox. I earn hundreds of dollars in rewards each year. Our total charges for 2006 were over $31,000. Even 1% of that would be over $310, but many of our purchases earn more than 1%, so our actual reward total is probably more like double that much.

The other DR item that I kind of disagree with is snowballing, but I recognize that it isn't financial advice, but rather psychological advice. Snowballing is not the way to repay debt that will save you the most money, but it might provide the motivation some people need to get on track and stay on track, which I think is great.

Overall, I think DR is fine. I don't know that I've found any finance guru with whom I agree 100% with their advice. David Bach, Suze Orman and others have all written or said things that I didn't agree with. Offhand, I can't think of anything from Jean Chatzky that I don't like, but there might be. She has a book or two I haven't read. So read DR and use the advice that makes sense for your situation. But don't follow his, or anyone's, advice blindly.