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CALLER: I put my rent on a credit card. Landlord charges 1% fee. I get 2% cash back. I profit 1% every month.DAVE RAMSEY: You are paying your rent on a credit card?!CALLER: I net positive every month on the transaction.DAVE RAMSEY: What if you can’t pay the balance?!CALLER: I have 4 months of expenses saved. I always pay it.DAVE RAMSEY: This is how people end up homeless!!In reality, turning a fixed expense into a 1% monthly profit with zero behavior change is just efficiency.Every dollar matter
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