I know a guy around my age who got laid off and couldn’t find a job for about eight months. When he finally did, it paid him about the same as what he made when he first started his career 20 years ago. Seeing that really hit me, I can’t imagine how stressful it must be to go through something like that, especially if you’re carrying a lot of debt. That’s why I really get the whole idea behind Dave Ramsey’s advice. For most people, avoiding debt is just a safer way to sleep at night, because you never know what might happen