No. of Recommendations: 9
The Ramsey anti-credit card thing is like alcoholics should not have booze in the house. Yeah, you might be able to resist, but if history shows you can't don't risk it. Will power is overrated.
Ramsey gave me one piece of advice that I'm grateful for. A caller to his small business advice show said he had more work than he could handle. Dave's immediate advice - put your rates up, you work too cheap. I had an epiphany. I put my billing rate up every year since, sometimes twice a year, always higher than inflation.
