We applaud Dave Ramsey, have a son working in the Nashville office, but cash in an envelope doesn't earn you any more cash. We earmark what we put in checking, savings, the market, etc., for a certain thing to get more bang for our buck. We also play "credit card" games and take advantage of all the perks that come with the cards and pay everything off monthly. With fiscal responsibility you can use credit cards to your advantage, which the Ramsey method advises not to do.
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