Society tells you credit cards are normal.
Normal sucks.

Pro tip: The best way to use a credit card is to cut it up.

Credit cards are designed to make you lose. We have a plan to help you win with money.

Here's the Real Deal With Credit Cards

We’ve been doing this stuff for 25 years. During that time, more than 5 million people have joined the movement to live without debt. Hear from real people who’ve said, “I’ve had it with debt!”

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$1000 dollar payoff challenge

Give it a try for a month.

The best way to make a change is to start. And there’s no better time to start than this month. Commit to pay off $1,000 in August, and you’ll be entered to win $2,500. We’re picking four lucky winners. What do you say?

The Plan That Teaches You How to Win With Money


Pay off debt, invest for the future, and become outrageously generous.

More than 5 million people just like you have used this plan. Within the first 90 days, those completing the plan have paid off an average of $5,300 in debt and saved $2,700. The plan is Financial Peace University, Dave Ramsey’s most popular money course.

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1. Federal Reserve, 2019   2. Federal Reserve, 2019   3. Experian, 2018   4. Ramsey Solutions, 2017  5. CNBC, 2019   6. PR Newswire, 2017