re: Mississippi State to Require Personal Finance/Dave Ramsey of all athletes

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My only beef with him is that he completely disregards that if one is disciplined, that they can make debt a slave instead of a master. You can get a 2% or less loan on a car at virtually any credit union - and invest the money and make 8-12%, compounded on a $20,000 car vs. paying cash, you are paying $1,033 in interest vs. making $9,300 by investing the $20k with even an 8% return.

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This is what I meant in my post on the first page - its not meant for financial gurus or experts or those with a lot of financial discpline

For 95% of the country, they don't have the discpline to pull off the example you gave, and so its best for them to simply avoid debt altogether.