[Travis]

I am a lover of books. I have come across two authors with two different point of views.

Dave Ramsey: author of Total Money Makeover and Financial Peace
His basic message is that debt is bad, and that people should not borrow money. No credit cards, no car loans, and if possible no mortgage (he wants you to buy a house with cash, or pay it off as fast as possible).

Robert Kiyosaki: author of Rich Dad Poor Dad series. I have only read his first two books (Rich Dad Poor Dad, and Cash Flow Quadrent).
He says that there is good debt and bad debt. Kiyosaki says that using debt to buy investment real estate is an example of good debt. Consumer debt would be bad debt.

I for the most part agree with what Ramsey says. I do not have any credit cards, my wife and I are paying off our debt, and we plan on putting at least 50% down on a house.

I would like your thoughts on this subject. Do agree with me, or think I am completely crazy. If you have not read these books, well go get them. They are fantastic books.