I am always a little bit shocked (and dare I say slightly offended) when people are dismissive of the class. I shouldn't be, I know. I'm working on that part. But it always seems the conversation goes like this:
"I'm so excited to start FPU!"
"Oh? I know someone who did that. As for us, we already have it together. We only have one credit card. And I have to have a safe car, but our payment is affordable. We got a great interest rate because we have great credit. But good for you that you're doing it."
Now I know, I know; this person doesn't mean to be as condescending as they are coming across. Really, the sad part is this whole conversation is a product of double ignorance on their part: ignorance of my financial position and ignorance of the freedom that comes with having no payments and cash in the bank.
It seems to me that often people try to defend *not* taking the class when I mention that we're doing it.
The whole thing reminds me of freshman English 102 and our first introduction to Greek tragedy and hubris: that age-old self-pride which tells the hero that he can do it all himself and ultimately-- without fail-- leads to his demise. It is not so much inability, but a refusal to learn. After all, it takes humility to learn; you must admit what you think is correct may not be so.
If you don't take Dave Ramsey's advice, you may still succeed with money. But if your attitude is that of "I have nothing to learn from anybody" you will almost certainly fail at life.
I encourage everyone to take this class. I believe everyone, no matter how successful, can learn something from it. But if you don't want to take the class, please don't act like you've got it all figured out and the rest of us poor plebeians should go ahead.