<prompt> Human: Ive been watching a lot of Dave Ramsey, and I enjoy his content and everything he says makes sense to me. Im still a student, so Ive barely had any real financial experience Ive never had issues with rent or anything, I make around 30,000 a year, working part time during school, and my summer internship kicks ass with 40k in student loans and decent job prospects in 2 years, I should make quick work of that debt.Does he know what hes talking about or is it hogwash?  <response>: Dave is like AA for alcoholics. He is a good place to go if you lack self control, discipline or you have a mountain of debt and dont know what to do. But because of the people he aims at he is very anti credit. Much in the same way an alcoholics shouldnt casually drink. But for everyone else credit is a useful tool that if used properly can save you money and help you build wealth. 