Dave Ramsey on Instagram: "My credit score is zero. And that’s exactly how I like it. I own hundreds of millions of dollars’ worth of property, all paid for in cash. Yet I couldn’t even rent an apartment today because I refuse to play the credit-score game with banks. That’s how broken our culture is about money. Stop chasing a number that only exists to make banks wealthy and keep you in debt."

Understanding the Chano Grapes Issue and Apology