I think this is the last Dave Ramsey story I’ll tell for a little while. (Or at least the last big one.) But I have to at least tell this one, because I’ve already told it to several friends, several times, and it’s turned out to be a hoot.

Dave Ramsey is famous for cutting up credit cards on stage. And for using the word “stupid” repeatedly during the process. And this is a story of the first credit card I ever had. I had gotten it while still a teenager, through a deal with AAA. And I still had that credit card years after I had dropped AAA. I kept it after the account had been sold to MBNA—Yikes!—and finally to Bank of America—Crikey! I charged up that card, and paid it down, and charged it up again, and paid it back down, and charged it up— like a freakin’ yoyo. That poor card was so tired, I had put it through so much: it had a dog-ear in one corner and a tear on the opposite one. But it kept going, and I kept it around, for “emergencies.”

(You can see where this story is going, right?)

I just received the funniest credit-card offer ever!

Ever since my Beloved got us a membership in Dave Ramsey’s Financial Peace University, I’ve been listening to him way too much. And proof that I’m listening to him way too much is that I’m starting to think of jokes that he might make. And I also imagine myself writing this with a vaguely southern accent.

So I get home this afternoon, and there, in my mail, lying on my so-needs-a-visit-from-a-vacuum-cleaner rug, is proof that the economy must be turning around.

Yes, I’m referring to the bane of all junk mail: a credit-card offer.