In this episode of Drip Trickle Flow Flood, Melissa and Tony dive into a recent Ramsey Show clip. A caller bought an $11,000 engagement ring using a 0% interest credit card, even though he had the cash to pay outright. Dave called it dumb. We call it smart, depending on the situation. This episode explores when debt is a dangerous trap, and when it might actually be a savvy tool for building wealth.