April is Financial Literacy Month. As we celebrate the month, let’s draw on the writings of financial guru Dave Ramsey. You probably know him from his hugely successful Financial Peace University, his nationwide radio broadcasts, or his personal appearances throughout the country. In the past, Ramsey — known as the pro bono financial advisor to millions of Americans — has written about common money myths, a fitting topic for Financial Literacy Month. Five of them are well worth reviewing here. The first myth is that credit card debt is a useful tool. Ramsey asserts that this type of debt is...

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