I got a lot of second hand Dave Ramsey stuff. I think most of the bad advice I didn't hear. I think it was probably overall negative for me, because I was left to believe credit cards are evil. I got my first one on my 33rd birthday. Should've gotten one when I was 18 and never used it just so the age of my credit file is longer. (I have stuff like mortgages in there, it's not empty.)