If you are on the express way to financial ruin, to whom do you turn? If it’s American “Excess” as financial guru Dave Ramsey calls the iconic American Express, what then?
What if that company is there for you when no one else is, including the guru himself? If I’d been fortunate enough to be able to follow his advice when I first studied at his financial university, I would be in worse trouble than I am now.
I still have a credit rating because I haven’t cut up all my cards as he recommends. If I had, and then had no credit rating I could not have escaped the oppressive situation nor could I rent a new place because renting now involves credit checks.
Many, many years ago a psychiatrist wanted me to cut up my AmEx card because of course no bipolar patient could handle one. Except I once had a credit score of over 800 until a financial abuser knocked it down a bit with his twisted take on dominating my life through lording over my inheritance.
So at least American Express has the good sense and good business sense to profit by lending me money and extending credit to me. Dave Ramsey’s system seems to work well for many but for someone with a monkey on her back of a financial abuser who is fine with a disabled brain injured woman he tried to get rediagnosed as paranoid schizophrenic driving cross country alone with no funding, it’s not ideal.
No big deal. The abuser is making the case for oversight of special needs trusts in his continuing dominating ways devoid of trustworthiness.
Would you ever want to give the account number of your credit card to someone who stood back and hoped you’d crash and burn cross-country? Crazy idea, right?
Keep hoping, Bro’…You’re the reason the laws need to change and you are making that case on a daily basis…