Ramsey’s advice was clear: "Being $450,000 in debt to make zero money is a bad idea ... One firm from NYC has quietly built a group of 60,000+ investors who have all joined in on an alt asset class ...

And eventually, you'll be five figures of debt that may require drastic action not only to get you back to zero but to improve ... it'll be tough to eliminate all of the debt under the 0% rate ...

But after that, Ramsey recommends paying off all debt except a mortgage before saving or investing in your future. This essentially means putting all of your wealth toward getting out of debt ...