Ramsey also approaches it from a moral angle. He believes debt is morally wrong, and therefore must be eliminated, regardless of the math. Thats fine, he's entitled to his opinion, what I don't like is that everyone at Ramsey Solutions must toe his line, and anyone who disagrees with him is called stupid. I still think most of what he preaches is good, even if it's a little outdated. A lot better than the garbage young 'uns are being fed on Tik Tok.