“they're going to fuck it up. So Dave Ramsey is vehemently…” — The Joe Rogan Experience at 1:40:20
“they're going to fuck it up. So Dave Ramsey is vehemently against debt consolidation. For a reason that is fair. I don't like being anti something 100% because personal finances is personal. But this is his argument. It's kind of fair. You build up this much in credit card debt from here to here.”
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