[Loughla]

So, having worked with Ramsey trainers and Ramsey disciples, and having worked (in a very cursory manner) with the program myself, most of what he teaches falls into three categories: 1. I lack self-control or 2. I lack basic math skills.

I've also noticed that without Dave, those that strictly adhere to his program have an incredibly difficult time making money and budget decisions on their own.

A credit score can save you money in the long run. Very few people can pay cash for a vehicle or a home. Better credit scores allow you to reduce these payments and interest in small fashions.

Also, while a credit score is a measure of how well you handle debt, why not get a good one? Charge gas, groceries and regular incidentals, pay it off every month. Get a card with cash-back, and earn free money for spending you would already be doing.

Credit isn't a devil out to destroy your life. Like anything else, it's a tool to be used appropriately.