Team Ramsey Reacts to Credit Card TikTok; Misses the Point Completely

Are credit cards a tool for the wealthy, or a way for you to get tricked out of your money? Dave Ramsey seems to think credit cards are inherently bad. AJ argues that the issue isn't credit cards at all, but something totally different!

Original Video:
 @The Ramsey Show - Highlights 
https://youtu.be/7sNJqwEFXP8

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00:00 Introduction
00:35 Introducing Dave Ramsey Episode About Credit Card Debt
01:02 Firing John For the Worst Joke Ever
02:00 Tik Tok About Getting a Credit Card and the Benefits
03:01 Initial Take Away: She Ain't Wrong
03:42 Everyone who gets a Credit Card Thinks they will use is Responsibly
05:24 People will inevitably be Caught by Credit Cards
05:58 If you have a Credit Card, you will magically take out more debt in case of Emergencies
07:09 With a Credit Card, you run up debt in emergencies...Without a CC you do...what?
07:46 Credit Card debt is high in the US
08:29 Balances were carried on 52% of cards
09:33 What are points even worth?
10:43 Emergency Funds and Savings are the real issue
11:09 You don't make any points on Credit Cards
11:35 When you get cash back, it's on the backs of the poor.
12:23 Final Thoughts