Our Fall Road Trip and Rejection from the Dave Ramsey Show

I have some more news to share: some good and some bad. First, this is my husband’s last week at his job….he put in his notice and will be doing his own business with me at home! He has some ideas he wants to try out that include building some mobile apps. His main focus will be creating a scalable product of some kind. He will be doing some freelance design and website work, but wants to concentrate on things he never got to try. I am so excited to have him home with me I already have plans for him to help me at tax season haha!  And yes, we will have to buy our own health and life insurance now but at least it will be a business expense! Since we no longer have a mortgage payment, our monthly expenses to live are still pretty minimal even with the added insurance costs. We also still have our 6-8 month emergency fund in the bank and we will still be funding our Roth IRA retirement accounts. My business is doing great so I will be able to provide for us even if the hubs makes no income for some months, so don’t worry we will be fine!

Now on to some sort of bad news – we heard back from the Dave Ramsey show and basically got rejected! We sort of saw this coming since they had us answer a series of screening questions and one of those questions was about whether we use credit cards or not. We answered honestly of course and said that yes we do but we have always paid them off every month. We never had credit card debt and always treated them like debit cards. Dave Ramsey is very anti credit card and we know this from listening to his show. And it makes sense from his perspective because most people on his show have credit card debt and have bad habits with them. We didn’t think this little fact would keep us from appearing on the show though so when we got this response we were a little blown away:

Before I call I wanted to touch base about two things.

First, Dave will be gone the entire week of October 12th. I’m not sure if that changes your ability to do the scream or not.

Second, the use of the credit card is an issue. I know you said that you pay it off, but it is still something Dave does not recommend. As it stand now, I wouldn’t be able to put y’all on the air if you are still using it. If you decide you want to get rid of it, we can definitely continue to conversation.

Please let me know your thoughts on these two points.




So we basically got an ultimatum to either stop using our credit cards or don’t come on the show. We chose the latter. We don’t want to change what works for us just to get on the show. We use credit cards wisely and we use them for the incentives, especially for cash back and travel. And for long term travel overseas it is much easier to use credit cards for the exchange rates. It is a little disappointing that this stopped us from being on the show but we are going to continue to be us and hey we are still debt free. We got a lot of inspiration from Dave Ramsey’s show but I guess we won’t be a part of it.

That said we are not going to let this news ruin the fall road trip we have planned! Some of the trip was planned specifically for the show in TN but now we can just see other things. We are still going to go through TN  and want to see the Smoky Mountains so show or not we plan on having a good time! We are going to take 5 weeks mid October to mid November and head through Arkansas, Tennessee, North Carolina, South Carolina, Georgia, then Tampa, Florida and down to Key West. We are going to come back up maybe through New Orleans, Texas and New Mexico. We have sketched out a rough plan with roadtrippers here.



It will be 5,552 miles and $1,000 in gas so it will be a lot of driving! We have family in AR & FL that we will staying with and we also plan on using Airbnb and camping at a few places to save money. We will be keeping it flexible in case we want to stay in a place longer that we like or leave a place earlier that we don’t like. And all the attractions on the side of the road are game! I can’t wait to see all the sites plus it will be a good test to see if I can still work remotely while traveling!


What do you think about the news we received would you have changed to be on the show?




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  1. No. I say stick to what works for you. If you have to change to be on a show, then it’s not the right show for you. The reasons you use a credit card benefit you, so why change?

  2. To add.

    I do plan to find an alternative for credit cards for when we travel, I just don’t want to experiment without a backup the first time we travel overseas. Like Andrea said though, we’ve never had a balance on our cards the 10+ years we’ve used credit cards and I like the buffer. I was once temporarily (accidentally) charged $1000’s of dollars on my AMEX from a hotel that wasn’t removed for like a week. I would not like this to happen to my debit account. Plus, if my number is stolen I don’t lose money directly out of my account, that I have to worry about getting back as I know debit cards do offer the same protection, it just worries me a little more when it’s directly out of my account. Travel points, cash back or extended warranties, are nice, but not the sole focus of having a card for me.

    I totally get where he is coming from, and I understand the rejection. It’s his values, and he wants to makes sure the guests he host on his show follow those values. I was pretty disappointed, but still super jazzed that WE ARE DEBT FREE!

  3. I think you are both so wonderful and responsible, but also risk takers. A rare combination!

    Having lived overseas and traveled all over EU, my advice: cash is best. But you will need a credit card that is not a debit card. There is no way he travels to EU without a credit card unless he has a bank account in the EU or some very privileged way of securing rental cars or rooms without having to give a card for security deposit. Here’s why:

    We sometimes had issues using our debit cards as credit cards even with the embedded chip in the debit card. Sometimes we HAD to use a credit card. And if your credit cards don’t have chips, they may not work either.

    Does that make sense? If you wander through South Texas, you’ve a place to stay with us!

    Congrats to you both.

    1. Well…. I have to disagree. I travelled quite a lot and cash was the worst in my experience. A friend of mine once travelled to Indonesia with all cash for a 2 month trip. All his cash got stolen from the hotel room the second day in Jakarta. He needed his parents to send him some €€ via Western Union in order to survive the trip.

      Credit cards are much safer if you travel for longer periods of time. You need a significant amount of cash if you go abroad for a month or two. Carrying all that money with you all the time is very stressful and not very secure.

      Credit cards, on the other hand, are accepted almost everywhere and very easy to cancel if stolen. My most common travel solution is credit card for POS payments and a debit card to get some cash from ATMs (lower fees than credit).

      In terms of credit card philosophy I agree with Andrea and Dano. I use credit card a lot but I pay it off every month.

      1. Yeah no way Dano and Andrea, I wouldn’t want you to carry loads of cash with you ever! (Especially in Paris where I saw children rob diners!)

        Find a great bank with low or refunded ATM fees .

        Also – I can only speak to the EU and my recent 3 years of travel there. I wouldn’t know about travel elsewhere (except Canada & the Yucatan!) 🙂

  4. Don’t be disappointed about the show. Their response shows they are not prepared to accept success stories that are slightly different from what they advertise.

    This is narrow-minded and dumb.

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