In this episode, Ryan Duchak and Adri Bleier discuss the financial wisdom of Dave Ramsey and the difference between credit and debit cards. They explore how Dave Ramsey built his reputation as a financial guru and his core principles of living debt-free, saving diligently, and investing wisely. They also discuss the pros and cons of using credit and debit cards, including the benefits of rewards and fraud protection with credit cards and the simplicity and lack of debt with debit cards. In this episode, Ryan and Adri discuss the pros and cons of credit cards versus debit cards. They explore the importance of financial literacy, responsible spending, and the risks of accumulating credit card debt. They also share tips for using credit cards wisely and avoiding excessive debt. The conversation then shifts to the infamous salad oil swindle, a financial fraud scheme orchestrated by Anthony 'Tino' De Angeles in the early 1960s. They discuss how De Angeles inflated the value of his soybean oil inventory, obtained loans using fraudulent collateral, and manipulated the soybean oil futures market. The scheme eventually collapsed, leading to a financial crisis and tighter regulations in the commodities trading industry.