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Ramseyclassroom Form

Ramseyclassroom Form

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Instructions and help about ramsayclassroom

i followed dave ramsey for several years i've been to his studio i've met him twice and today we're talking about why i don't follow him anymore number one is a credit score dave ramsey believes that you should have a credit score of zero because you can just cash flow everything and you can do manual iterating for a house and all that now if you're a millionaire and you can afford to pay cash for every single thing in your life then i can understand that but the average american is not like that we were not like that we had to get a mortgage and so our credit score cost us interest on our mortgage and we had to have a higher interest rate because of our credit when we bought a house last year my credit was right around 739 740 right on that brink of that next credit bracket so that ended up costing us a lot of money because when we paid off all my debt i had zero debt whatsoever i didn't have credit cards i didn't have a car loan i didn't have anything at all so my credit was just dro

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