Debt and Dave Ramsey

Listening to his podcast today, he said something that caught my attention: when you carry debt, you're lying with snakes. Most of the time, you won't get bit, but eventually you will.

It didn't take me long to discover this - on my very first mortgage application. These people are scum and although they don't mean to screw you, they will -- for any variety of reasons that are theirs and not yours.