Let’s give credit where it’s due: Dave Ramsey's advice is a brilliant rehab program for people with a severe shopping addiction. But trying to build a million-dollar empire with a consumer debt pacifier is financially suicidal. In this breakdown, we expose the "debt-free" delusion and why bootstrapping is just romanticized poverty. Learn the difference between consumer and producer debt, why a zero credit score makes you a ghost, and how the financial titans weaponize leverag