When your budget won't let you give gifts to everyone in the world—which is always, by the way—who should you give...
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If you’ve read anything Dave Ramsey has written, or if you’ve attended Financial Peace University or listened to The Dave Ramsey Show, then you’ve probably heard him talk about gazelle intensity at some point.
So what exactly is gazelle intensity?
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Dave coined the term after reading Proverbs 6:4–5, which says, “Give no sleep to your eyes, nor slumber to your eyelids. Deliver yourself like a gazelle from the hand of the hunter, and like a bird from the hand of the fowler.”
In other words, when you’ve gone into debt, when you’ve co-signed on a loan (the topic of Proverbs 6:4–5), when you’re in over your head with money problems, you need to work as hard to get out of debt as a gazelle works to run from a cheetah.
Cheetahs run fast, really fast—as in 70 to 75 mph fast at their top speeds. Not only is the cheetah the fastest animal on earth, but it accelerates faster than a speedy sports car.
The gazelle doesn’t have a chance, right? Wrong! Gazelles have learned that the cheetah’s speed is limited to straight-line running. So the gazelle bobs and weaves and runs in circles until the cheetah gets tired and gives up.
So what does this weird animal metaphor have to do with your financial situation? If you’re sick and tired of debt and all of the headaches that come with it, then it’s time for you to think like a gazelle.
The cheetahs—better known as credit card companies—are always after you, trying to figure out some way to lure you in with an “offer you can’t refuse.” But you can refuse them. And, if you are gazelle intense, you will refuse them.
So, the next time you get that new credit card application in the mail—the one that promises low introductory rates and lots of bonuses—scream “Cheetah!” and destroy it as quickly as you can!
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You do not build wealth with credit cards. Use common sense. When you play with a multi-billion dollar industry and you think you're going to win at their game, you are naïve. If you play with fire, you are going to get burned.
These guys are marketing geniuses, and they know what they are doing. The only way to beat the credit card companies is to run like a gazelle and refuse to get caught up in their deceptive games.
So, if you’re still working your way out of debt, are you gazelle intense? If not, how much longer can you afford to stay burdened by credit cards, student loans, and car payments? What else could you do with that money—save, invest, build for your children’s future?
The cheetah is on your tail. Run like crazy and start getting out of debt now!