Canning is with us in Washington, D.C.

Hi, Channing, welcome to the Dave Ramsey Show.

Hi Dave, thank you for having me.

Sure, what's up?

So I live in D.C. I just recently got married.

Dave Ramsey has been a pivotal figure

in the financial consultant world

for as long as most people remember.

His podcast, books, and constant stream of articles reach out to people from all walks of life,

as he tries to teach the world how to live a financially peaceful and even prosperous life by

expelling their debts. Day after day Dave graces the world with his

financial advice that primarily revolves around one concept. You shouldn't have any

debt. By none, he means none. No credit cards, no student loans, no nothing.

Debt is the epitome of evil and the killer of your financial dreams.

Of course, the advice on how you can live your life debt-free has the tendency of going just a little too far.

Sometimes it reeks of the same entitled Know-It-All advice given to you by your grandfather sitting at the holiday table.

Stop going out to eat, no more going to movies for date night, and definitely no impulse spending

at any time ever.

Everything should be broken down into a precise and exact budget with no straying off course.

And it all sounds great in theory, but fails to account for the fact that the world is an unpredictable place with unpredictable circumstances.

And sometimes it's perfectly okay to splurge

even if you have credit card bills calling your name.

...