My daughters corrected me recently when I criticized Dave Ramsey. They and their husbands follow his teachings and reassured me that my assessment of his ministry fell short. I’m told he meets all the proper criteria; they have applied his message and it works!
I misinterpreted his financial presentation based on my interaction with other Christians. For instance, I received an invitation to a Christian girls’ night out. The email stated we would meet informally in the hostess’s home, share spiritual lessons that we’ve learned that week and order pizza. One lady shared nuggets from a Dave Ramsey class that inspired her. When it came time to order pizza, she told us she only had a few dollars because now she budgets her money and that was all she had to contribute. We ordered two large pizzas and that wouldn’t even cover the delivery man’s tip.
When a friend came through town several of us met up for dinner. During our discussion, the friend mentioned that she tore up all her credit cards as Dave Ramsey suggested and only pays cash. However, all her cash was used up and she could not afford a hotel room and it was getting late. Someone picked up her dinner but no one used their credit card to buy her a hotel room.
Seriously, I don’t think Ramsey teaches Codependency. I conclude that misinterpretation can circumvent good Christian teachings from basic truth.
Tom told me he has listened to Ramsey several times. He doesn’t remember any tearing up of all credit cards but using one and paying it off every month. I’ve always agreed to that leading in our home.
Teaching discipline makes more sense to me. What if an emergency arose that cash couldn’t cover? Perhaps some can't be trusted with even one credit card.
Clearly, I misjudged Ramsey.
These are my thoughts today. I wonder what yours are?