This is the Ramsey Call of the Day, part of the Ramsey Network.

Okay, I got to talk about something, got to get something off of my chest.

So I'm a millennial, and so I keep up with the burgeoning social media trends that are out there,

and one of those is TikTok. I do it for

you guys so that I know what's going on out there so I can fill you all in. And there's a lot of,

how do I say this, financial gurus out there who can't grow facial hair yet. And they are

giving some terrible financial advice that truly

makes my blood boil. And it's one of the reasons why I want to get in there. I don't want to,

I don't want to become a TikTok star. I just have to get in the middle of the mess and walk everyone

off the ledge because they're listening to 60-second videos and then making huge financial

decisions because of it. So here's what we're

going to do. We're going to play a video that producer James found that made my blood boil. He

really knows how to push my buttons. We're going to react to it and then we're going to teach

you guys a better way. So let's roll that beautiful bean footage. When I'm 30, I want to be debt-free

and own no credit cards. You know, you might regret that.

What? How? Well, how are you planning on getting a house or a car? Yeah, I'm just going to use all cash.

By chance the date for Ramsey teach you this. Yes, why? That advice is for people who are already in debt or don't know how to manage their money. The truth is credit cards can help build your credit, which is very important. And if you pay them off in full, you'll never owe any interest. And with housing prices so high,

good credits might be the only way most people are going to be able to get a house. Now that I think

about it, saving up $400,000 in cash doesn't sound very reasonable. That advice might work for some,

but personal finance should never be a one-size-fits-all. Follow to learn the truth.

Okay. Wow. That moved so fast I thought I was having a stroke for a second.

All right. I don't want to have to watch that again, so let me recap it for you because he was

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