I don't listen to 100% of what Dave Ramsey says. I personally have excellent impulse control and only buy what I can actually afford. He always rants that credit cards = bad, but using credit card rewards does save me $500-$600 a year vs using a debit card on just my basic necessities that I have to buy regardless (car insurance, gas, food, internet, phone etc), which I pay 0 interest on because I keep a decently sized emergency fund. He always says credit cards are bad in all cases, but doesn't factor in that some people listen into his show just because they're frugal, not because they make bad choices. I keep my credit card balance at about 2%-%5 of my checking account balance (emergency fund), so it would honestly be ridiculous not to take advantage of the extra savings for 0 extra effort. I get 6% off groceries at Aldi (Amex Blue preferred), 5% off Amazon (Amazon store card) , 5% off Walmart (Cap1 Walmart card), 3% off gas (Amex blue Pref) and 2% off all other purchases (Citi Double cash). The 6% off groceries only works on the first $6,000 a year, which is all I spend in a year anyways because I shop at Aldi. Only the Amex has an annual fee, which honestly pays for itself getting 6% off the cheapest grocery store you can possibly shop at.