When Ramsey's Advice Fits—and When It Doesn't

Responding to Dave Ramsey's Credit Card Arguments | Hurdy Gurdy Travel Podcast Dave Ramsey says, “No credit cards.” I say, “It depends.” In this episode, Justin Vacula reacts to a recent Dave Ramsey clip and explains how credit cards can be a smart tool for business expenses and travel. We get into the real math behind points and cashback, the psychology of spending, and why one-size-fits-all advice from Dave Ramsey misses the mark. You’ll also hear updates on upcoming meetups and events, plus a quick intro to tools that can help you track, optimize, and actually use your rewards. Original video I respond to: https://www.youtube.com/watch?v=q9za0VwqANY&t=6s Timestamps 00:00 Introduction 01:52 Dave Ramsey’s credit card advice 02:37 Caller question on business credit cards 03:39 Debate on credit card benefits 05:39 Dave’s perspective on points 08:01 Critique of Dave Ramsey’s arguments 12:33 Credit card strategies 17:53 The debit card dilemma 18:18 Dave’s imaginary scenarios 19:13 Credit card benefits for business owners 24:18 Ice cream analogy 27:42 Psychology of money and credit cards 31:41 Dave’s one-size-fits-all advice 32:55 Conclusion and announcements — 🎙️ 📢 Listen to the Hurdy Gurdy Travel Podcast: 👉 SoundCloud → https://soundcloud.com/hurdygurdytravelpodcast 👉 Apple Podcasts / iTunes → https://podcasts.apple.com/us/podcast/hurdy-gurdy-travel-podcast/id1489093490 👉 Spotify → https://open.spotify.com/show/0PRUx83Z4XKHengsgOoLWg 👉 TuneIn → https://tunein.com/podcasts/Podcasts/Hurdy-Gurdy-Travel-Podcast-p1275539/ 👉 iHeartRadio → https://www.iheart.com/podcast/269-hurdy-gurdy-travel-podcast-51807405/ 👉 Podbean → https://www.podbean.com/podcast-detail/vvdph-a3425/Hurdy-Gurdy-Travel-Podcast 👉 Pocket Casts → https://pocketcasts.com/podcasts/1a722d50-2d0a-0138-96d6-0acc26574db2?_prerender=true 👉 Podchaser → https://www.podchaser.com/podcasts/hurdy-gurdy-travel-podcast-1153719 👉 Podcast Addict → https://podcastaddict.com/podcast/hurdy-gurdy-travel-podcast/3497422 👉 Castbox → https://castbox.fm/channel/Hurdy-Gurdy-Travel-Podcast-id4351553?country=us 👉 …and many other podcast platforms worldwide! 🌍🎧 📡 Prefer using your favorite app? Simply copy & paste my podcast RSS feed: http://feeds.soundcloud.com/users/soundcloud:users:706382626/sounds.rss — 💜 Support My Work & Unlock Special Perks: 👉 Support me through helpful referral links on my site: https://hurdygurdytravel.com/donate-referral-links/ 👉 Use my CardPointers affiliate link to save on annual and lifetime memberships → https://www.cardpointers.com/hurdygurdytravel CardPointers helps you activate card-linked offers and take advantage of other powerful credit card features. 👉 Become a Frequent Traveler University member and sign up for events. https://ftuniversity.com/?aff=24 👉 Earn 500 miles when signing up for Rove Miles using my referral link: www.rovemiles.com/?signup&referralCode=8AS1JSG9 — 👉 Visit the Support Tab on my website to contribute via SubscribeStar → https://www.subscribestar.com/hurdygurdytravel 🎁 Subscriber & Supporter Perks Include: ✨ One-on-one calls with me ✨ Advance notice of upcoming podcast guests (submit your questions!) ✨ A custom podcast episode recorded just for you 🎙️💬 ✨ Bonus content 🎁 — 🌐 Stay Connected With Me: 🔔 Subscribe on YouTube → https://www.youtube.com/@HurdyGurdyTravelPodcast 👍 Like on Facebook → https://www.facebook.com/HurdyGurdyTravelPodcast 🐦 Follow on Twitter / X → https://x.com/HurdyGurdyTravl 📸 Follow on Instagram → https://www.instagram.com/justinvacula/ — ✨ Thank You for Listening & Supporting the Hurdy Gurdy Travel Podcast! Stay tuned for more tips, strategies, and stories to help you optimize your travel, rewards, and lifestyle. 🚀🌍💳