Ted from California e-mails Dave regarding the "recession" and ignorance. Dave has some words for this one.

• Hear the call!

Question: John tells Dave that it's easy for Dave to talk about becoming rich when you have a great income like Dave does. He even calls Dave a name. Dave has a response for him.

Dave Ramsey's advice: It's an interesting thing that you bring up. I did this money managing stuff before all my money troubles happened, and I did it before I made the kind of money that I make now. I was completely broke when I started this. I was broke, but I wasn't poor. The only difference between broke and poor is attitude. I think you're poor, and that's sad. Your bitterness is sad for you because you're the only one it's affecting. I know how to swing a hammer and dig a ditch. If I was a trust fund baby, your criticism would stick. But since I'm not, it doesn't.

• Hear the call!

Question: John says he's an avid listener and understands Dave's take on not having credit cards. He's debt free and doing all right. He has a credit card but no debit card, and he's not getting a debit card. He is ticked by Dave not accepting credit cards so he can buy Dave's stuff for his loved ones. What will convince Dave to bend on taking a credit card?

Dave Ramsey's advice: Nothing. If I took credit cards after telling America not to use them, I would be a hypocrite. That's a lack of integrity there. I'm not going to bend, so I guess you'll have to. I'm not going to bend because my integrity is worth more than one sale ... or any sale. Don't mean to be brusk, but made you think I would bend if you're an avid listener? Have you heard me bend on anything?

• Hear if Dave will bend!