Whether you like Dave's plan or not, whether you carry a credit card in your pocket or not, whether you think 0% financing is a good deal or not doesn't really matter. Living on less than you make, saving some for the future and giving to those in need is how it should be done in my opinion.


"The democracy will cease to exist when you take away from those who are willing to work and give to those who would not." Thomas Jefferson

"I ask, who are the militia? They consist of now of the whole people, except a few public officers." George Mason