Which of the following is NOT recommended by Dave Ramsey?

The correct answer, which identifies the approach that is not recommended by Dave Ramsey, focuses on the reliance on credit for emergencies. Dave Ramsey advocates for a debt-free lifestyle and suggests that individuals should avoid using credit cards, especially for emergencies. His philosophy emphasizes the importance of building an emergency fund, which should ideally cover three to six months' worth of expenses, to manage unexpected financial situations without resorting to credit. By doing so, individuals can protect themselves from the cycle of debt that often accompanies credit use.

In contrast, living within your means, using cash for purchases, and saving for retirement early are all fundamental principles of Ramsey's financial teachings. These practices promote responsible financial management and encourage individuals to be proactive about their financial futures, rather than reactive when challenges arise.