<prompt> Human: What is rpersonalfinances opinion of talk show host Dave Ramsey? It seems like such a novice idea to get out of debt and stay out of debt but what about things like rewards and cash back on credit cards and paying them off at the end of the month? Hes not a fan of that. Even though Im pretty liberal when it comes to social views, I do enjoy his show for entertainment purposes and do find some of his advice to be decent. BUT, I am a newbie when it comes to personal finance really. So I dont really know what to look for. So what is the overall opinion of him here?  <response>: His methods for getting out of debt are motivating and pretty on-target with what youll find here. Hes a bit extreme on a couple things for me he says NO credit cards, even if you pay them every month as well as his stringent 15 year mortgage no 30 year. As far as investment advice, go elsewhere. Bogleheads forums, here, Vanguard write ups... all offer better advice for retirement savings and investing. 