Bad Advice from a Bad Friend

flowers
food
fruit
hat
keyword
language
line
perfume
translation
wine
flowers
food
fruit
hat
engagement
language
line
perfume
translation
wine
baseball
beauties
chair
cigarette
clothing
computer
cup
desk
dress
drug
dye
fanning
fitness
glasses
harvester
helmet
knife
oil
jewelry
pan
pen
pet
slippers
snacks
stone
toothpaste
toys
camera
clock
combs
counting
fishing
keyboard
makeup
microphones
mouse
pack
paper
photographs
print
school
sofa
sunglasses
trader
umbrella
underwear
yoga
baby
bag
chinese
film
gaming
hbo
hot
ice
mouse
music
novel
red
science
engagement
flowers
food
fruit
hat
language
line
perfume
translation
wine
baseball
beauties
chair
cigarette
clothing
computer
cup
desk
dress
drug
dye
fanning
fitness
glasses
harvester
helmet
jewelry
knife
pen
slippers
socks
snacks
stone
toothpaste
toys
camera
clock
combs
counting
fishing
keyboard
makeup
microphones
mouse
pack
paper
photographs
print
school
sofa
sunglasses
trader
umbrella
underwear
yoga
baby
bag
chinese
fat
film
gaming
hbo
hot
ice
mouse
music
novel
red
science
sexy
show
sports
train
university
weight
wow
auto
book
care
clothes
desk
diplomacy
hospital
office
party
paypal
rock
shopping
sport
time
weddingdress
engagement
flowers
food
fruit
hat
line
perfume
translation
wine
baseball
chair
desk
drug
dye
fanning
fitness
glasses
harvester
helmet
jewelry
knife
oil
pan
pen
pet
slippers
snacks
socks
stone
toothpaste
toys
camera
clock
combs
counting
fishing
keyboard
makeup
microphones
mouse
pack
paper
photographs
print
school
sofa
sunglasses
trader
umbrella
underwear
yoga
baby
bag
chinese
fat
film
gaming
hbo
hot
ice
mouse
music
novel
red
science
sexy
show
sports
study
train
university
weight
wow
auto
book
care
clothes
desk
diplomacy
hospital
office
party
paypal
rock
shopping
sport
time
weddingdress
engagement
flowers
food
fruit
hat
line
perfume
translation
wine
baseball
beauties
chair
cigarette
clothing
computer
cup
desk
dress
drug
dye
fanning
fitness
glasses
harvester
helmet
jewelry
knife
oil
pan
pen
pet
slippers
snacks
socks
stone
toothpaste
toys
camera
clock
combs
counting
fishing
keyboard
makeup
microphones
mouse
pack
paper
photographs
print
school
sofa
sunglasses
trader
umbrella
underwear
yoga
baby
bag
chinese
fat
film
gaming
hbo
ice
mouse
music
novel
red
science
sexy
show
sports
study
train
university
weight
wow
auto
book
care
clothes
desk
diplomacy
hospital
party
paypal
rock
shopping
sport
time
weddingdress
engagement
flowers
food
fruit
hat
line
perfume
translation
wine
baseball
beauties
chair
cigarette
clothing
computer
cup
desk
dress
drug
dye
fanning
fitness
glasses
harvester
helmet
jewelry
knife
oil
pan
pen
pet
slippers
snacks
socks
stone
toothpaste
toys
camera
clock
baseball
beauties
chair
cigarette
clothing
computer
cup
deck
dress
drug
dye
fan
fitness
glasses
helmet
knife
oil
ornament
harvester
pan
flowers
food
fruit
hat
keyword
language
line
perfume
translation
wine
baseball
beauties
chair
cigarette
clothing
computer
cup
deck
dress
dye
fan
fitness
glasses
harvester
helmet
knife
oil
ornament
pan
pen
pet
slippers
snacks
socks
stone
toothpaste
toy
wine
camera
clock
baseball
basketball
beauties
camera
chair
cigarette
clock
clothing
comb
computer
counting
cup
deck
dress
drug
dye
fan
Fishing
fitness
flowers
food
fruit
glasses
harvester
hat
helmet
keyboard
Keyword
knife
line
makeup
microphones
mouse
ornament
oil
pack
pan
paper
perfume
pet
photographs
print
school
slippers
snacks
socks
sofa
stone
sunglasses
toothpaste
baby
bag
chinese
fat
film
gaming
hbo
hot
ice
mouse
music
novel
red
rock
science
sexy
show
sports
study
train
university
weight
wow
auto
book
care
clothes
desk
diplomacy
hospital
toy
translation
umbrella
underwear
wine
yoga
basketball
beauties
camera
chair
cigarette
clock
clothing
comb
computer
counting
cup
cycling
deck
dress
drug
fan
Fishing
flowers
food
fruit
hat
keyboard
Keyword
makeup
drug
dye
fitness
glasses
harvester
helmet
knife
line
microphones
mouse
oil
ornament
pack
pan
paper
perfume
pet
photographs
print
school
slippers
socks
sofa
stone
sunglasses
toothpaste
toy
translation
umbrella
underwear
wine
yoga
baby
bag
chinese
fat
film
gaming
hbo
hot
ice
mouse
music
novel
red
rock
science
sexy
show
sports
study
train
university
weight
auto
book
care
clothes
desk
diplomacy
hospital
office
party
paypal
rock
shopping
sport
time
weddingdress
baseball
basketball
beauties
chair
cigarette
clothing
comb
computer
counting
cup
cycling
deck
dress
drug
dye
fan
Fishing
fitness
flowers
food
fruit
glasses
harvester
hat
helmet
keyboard
Keyword
knife
line
makeup
microphones
mouse
oil
ornament
pack
pan
paper
perfume
pet
photographs
print
school
slippers
snacks
socks
sofa
stone
sunglasses
toothpaste
toy
translation
umbrella
underwear
wine
yoga
baby
bag
chinese
fat
film
gaming
hbo
hot
ice
mouse
music
novel
red
rock
science
sexy
show
sports
study
train
university
weight
wow
auto
book
care
clothes
desk
diplomacy
hospital
office
party
paypal
rock
shopping
sport
time
weddingdress
baseball
basketball
beauties
camera
chair
cigarette
clock
clothing
comb
computer
counting
cup
cycling
deck
dress
drug
dye
fan
Fishing
fitness
flowers
food
fruit
glasses
harvester
hat
helmet
keyboard
Keyword
knife
language
line
makeup
microphones
mouse
oil
ornament
pack
pan
paper
perfume
pet
photographs
print
school
slippers
snacks
socks
sofa
stone
sunglasses
toothpaste
toy
umbrella
underwear
wine
yoga
baby
bag
chinese
fat
film
gaming
hbo
hot
ice
mouse
music
novel
red
rock
science
sexy
show
sports
study
train
university
weight
wow
auto
book
care
clothes
desk
diplomacy
hospital
office
party
paypal
rock
shopping
sport
time
weddingdress
baseball
basketball
beauties
camera
chair
cigarette
clock
clothing
comb
computer
counting
cup
cycling
dress
deck
drug
dye
fan
Fishing
fitness
flowers
food
fruit
glasses
harvester
hat
helmet
keyboard
Keyword
knife
line
makeup
microphones
mouse
ornament
pack
paper
perfume
pet
photographs
print
school
slippers
snacks
socks
sofa
stone
sunglasses
toothpaste
toy
translation
umbrella
underwear
wine
yoga
baby
bag
chinese
fat
film
gaming
hbo
hot
ice
mouse
music
novel
red
rock
science
sexy
show
sports
study
train
university
weight
wow
auto
book
care
clothes
desk
diplomacy
hospital
office
party
paypal
rock
shopping
sport
time
weddingdress
baseball
basketball
beauties
camera
chair
cigarette
clock
clothing
comb
computer
sport
time
weddingdress
baseball
basketball
beauties
camera
chair
cigarette
clock
clothing
comb
computer
hat
helmet
keyboard
Keyword
knife
language
line
makeup
microphones
mouse
oil
ornament
pack
pan
paper
perfume
pet
photographs
print
school
slippers
snacks
socks
sofa
stone
sunglasses
toothpaste
toy
translation
umbrella
underwear
yoga
bag
chinese
fat
film
gaming
hot
mouse
music
wine
baby
hbo
ice
novel
red
rock
science
sexy
show
study
sports
train
university
weight
wow
auto
book
care
clothes
desk
diplomacy
hospital
office
party
paypal
rock
shopping
sport
time
basketball
beauties
counting
cup
cycling
dye
fitness
food
fruit
harvester
baseball
camera
chair
cigarette
clock
clothing
comb
computer
deck
dress
drug
fan
Fishing
flowers
glasses
hat
helmet
keyboard
Keyword
knife
language
line
makeup
microphones
mouse
oil
ornament
pack
pan
paper
perfume
pet
photographs
print
school
snacks
socks
sofa
sunglasses
toothpaste
slippers
stone
toy
translation
umbrella
underwear
wine
yoga
baby
bag
chinese
fat
film
gaming
hbo
hot
ice
mouse
music
novel
red
rock
science
sexy
show
sports
study
train
university
weight
wow
auto
book
care
clothes
desk
diplomacy
hospital
office
party
paypal
rock
shopping
sport
time
weddingdress
baseball
basketball
beauties
camera
chair
cigarette
clock
clothing
comb
computer
counting
cup
cycling
deck
dress
drug
dye
fan
Fishing
fitness
flowers
food
fruit
glasses
harvester

Reader Question: My husband and I are currently in Baby Step 2, and paying off all our debt except for our home. A friend recently told us to pay off everything except for the credit card debt. She says we can then settle for a far less amount and not have so much money going out the door. This feels a little unethical to me. What are your thoughts?

There’s a good reason this idea feel unethical to you — it is unethical! Would a good friend, a smart friend, encourage you to do something as dishonorable as not pay a bill you’re morally and legally obligated to pay? I don’t think so.

If you’re able to pay your bills, you pay your bills. It’s as simple as that. Now, if you honestly can’t pay the bill, and you have to settle upon a mutually agreed upon amount with the creditor or collector, then it’s okay at that point to try and reach a settlement.

Otherwise, it’s a simple question of ethics. Pay the bill!

 

Dave Ramsey

Dave is the author of The New York Times best-selling book Financial Peace. He is also the host of the nationally syndicated The Dave Ramsey Show, and is a regular guest on television. All of his financial counseling is based on biblical truths. You can hear Dave from 9 a.m. to 11 a.m., weekdays online at www.daveramsey.com. Send your questions toaskdave@daveramsey.com. He resides with his wife Sharon and their three children, Denise, Rachel, and Daniel, in Nashville, Tennessee.

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