<prompt> Human: Summary of my financial situation:Im 18 and due to prolonged chronic depressionPDD Im on disability, which Im not proud of. I dont have a job yet, but Id really want to start as soon as Im capable. Dont have my first car yet, but thats coming very soon. I dont have many billsfinancial obligations at the moment, but thats going to change a bit soon, with a car and college coming up. Dont think I should get a credit card, even though the bank says its just for student things like groceries and such. I feel like thats just one more thing that will stress me out and I dont have an actual job yet. I actually started investing a few weeks ago with an Acorns account, with a small amount of spare cash just to get familiar with investing for future use. Anyway thats about it, so would Dave Ramsey be good to start following before I have to manage a few more things coming up?  <response>: Dave Ramseys advice is overall very sound and I would not hesitate to advise someone to follow his methods. On the opposite side, I feel like he is sometimes too anti-credit. He advises people not to play the credit game and to cut up their credit cards especially for the people holding credit card debt, but he seems to ignore the value of having a good credit score, such as renting an apartment or getting a cheaper car loan. To be fair, I think he has this attitude after helping thousands of people get out of debt, and sometimes people need to take an extreme view to get out of debt.The middle ground is that a person has to understand that a credit card is a hugely powerful thing, and this can hurt you or help you. A person has to have strong will power not to use the credit card to borrow money by making purchase for which they dont have the money.This is why its important to start and keep an emergency fund of 1000. Having that money for emergencies will greatly lower the need to borrow a lot of money using a credit card.Over time, you need to establish a larger emergency fund of 3 to 6 months living expenses, but start with the 1000 emergency fund first.Bottom line: Dave Ramsey is great but dont consider him the sole source of information. 