I cannot go to sleep in silence, so I usually have talk radio on as I drift off. Most times, the cadence of the talking head becomes the white noise I need. But sometimes I actually listen to the conversations. As much as I hope for Clark Howard, Dave Ramsey happens to be the head that's talking when I go to bed. Gradually, I became aware of his philosophies. He has many, but I'll focus on just a few: 1) Get Rid of All Debt - I really like this one. As someone who wants the points my credit card awards, or the cashback my other credit card awards, I feel like I'm always a month behind. I pay off my balance in full each month, but by then of course, I have lowered my bank account and have less to spend in the current month. I do wonder what it would feel like to pay just the bills for my current living expenses. I plan to give it a go, but I won't buy Ramsay's book or go to Financial Peace University. "Where debt is dumb, cash is king, and the paid off mortgag