It's Friday, and this is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey Personality, Ken Bowman.

Josh is with us in Youngstown, Ohio. Hi, Josh. How are you?

Hi, Dave, doing great. Thank you for doing the service.

Well, thank you. How can I help?

So my girlfriend turned me on to you a couple weeks ago, and this thought has been in my head

ever since.

I understand your love of credit cards in our lives, right?

My question is, if a person has the discipline to live within their means, not overspend,

and stay within their budget, Would it be permissible,

so to speak, in your system to use a credit card if it can accumulate you money? Like, I have one

credit card that I've ever had that gives me 5% cash back on certain things at certain times. And not only

can I use that money to accumulate for future purposes, so to speak,

as credit that I don't have to pay towards, but I can also put that money straight into my account

and tax-free if I choose. Again, I think the main word is discipline, but me personally, I have no

debt, and I've used this to my advantage many many times but I was wondering how you felt about it.

Yeah.

How old are you?

31.

31.

Okay.

When we did Chris Hogan's book, The Everyday Millionaire, we studied the largest study of millionaires in North America ever done over 10,000 of them.

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