In this solo-style episode, Travis and his producer Eric react to a viral Dave Ramsey clip where Dave flexes having a zero credit score while owning a campus worth roughly $500 million—and use it to unpack how “no credit, no debt ever” advice lands for people who aren’t billionaires. The conversation explores the tension between hating the credit system, still needing to function inside it, and the practical realities of renting apartments, buying cars, and getting mortgages in the real world.​

On this episode we talk about:

Dave Ramsey’s “my FICO score is zero” flex, why it’s objectively impressive, and why it doesn’t translate cleanly to normal earners.​

How the credit system actually works in practice—hard inquiries, utilization, and why Travis once saw his score drop to the high 500s despite never missing a payment.​

The difference between disagreeing with how the game is set up and refusing to play it at all when you still need housing, transportation, or business funding.​

Why obsessing over cutting every $10 expense is usually less productive than figuring out how to earn more so gas prices and coupon clipping stop running your life.​

The line between using credit as a tool (responsibly) and using “points hacking” as an excuse for financial gymnastics that don’t move the needle.​

Top 3 Takeaways

The credit system is deeply flawed, but pretending it doesn’t exist usually hurts regular people far more than it hurts multimillionaires who can just write checks.​

A strong credit profile—on-time payments, low utilization, limited hard inquiries—gives you options: better rates, easier approvals, and real emergency flexibility.​

It’s more powerful to focus on making more money and using the system intelligently than to chase the moral high ground of having no credit score at all.​

Notable Quotes

“I agree the system is dumb—but also, it’s the system that’s there.”​

“It’s objectively better to have a good credit score than to have no credit score or a bad one.”​

“You’re doing more mental gymnastics to brag that you have no credit score than you would be just managing a couple of cards responsibly.”​

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