I guess Helaine Olen really struck a nerve with her article. Here is another take on it from Megan McArdle
How to Put the Brakes on Consumers' Debt - Bloomberg
McArdle's generalizations about blue state/red state seem idiotic, although I'm sure it makes her feel fine and all Puritanical.
Ramsey on avoiding debt is fine, but he fairly oozes with unctuousness and self-righteousness, like Suzey. I can only take about 5 minutes of it, but I'm sure this is helpful to most of his audience. His investment advice could be harmful and I don't like the "associates" but I guess he has to pay his rent somehow.
I do like Clark Howard--even when he is wrong, it's pretty clear he is trying his best to help and he's fairly modest.
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