<prompt> Human: Ive been listening to the podcasts a lot with my dad because he swears by it. I personally think Ill eventually have a credit card unlike Ramsey says to do, but I like a lot of what he says. Please comment with your opinions and data to back up other methods  <response>: I heard of him after I finished college several years ago and was working my own way out of student loan debt right after the big recession. He had a solid method for getting out of debt, but not much advice on investing beyond good growth stock mutual funds that earn 12.For a short while I stopped using credit cards partially because of his advice had them since freshman year college and never paid a penny of interest. Then a few years ago I went back to using them, I just did the math to determine the rewards I would earn for money I was going to spend on necessities anyways. Ive come out ahead.Honestly though, most reputable financial gurus are giving the same advice Dave Ramsey, Suze Orman, Thomas Stanley, Mr Money Mustach, Financial Samurai, the reps Ive talked to at Fidelity, random people on rpersonalfinance etc: Live on a budget thats below your means, keep some cash for emergencies, and set aside money to invest on a regular basis.If youre going to go with credit cards make sure you do the math for the annual fee and rewards to see what works for you. NerdWallet and ValuePenguin have good online calculators to determine credit cards rewards. 