, AP
In this 2006 photo provided by the Arizona Cardinals, football fan Dustin Holmes of Tucson, Ariz., cheers during an NFL football game in Glendale, Ariz. Holmes, a Tucson software engineer who likes to go by the nickname "Kidstallyn," says he hasn't missed a Cardinals game since he became a season-ticket holder in 1999. (AP Photo/Arizona Cardinals) ** NO SALES **
I’m an NFL season ticket holder for the Tennessee Titans. But I’ve been debt-free for years, and my family’s financial future is very secure.

Dear Dave,

My brother asked me to put his name on my credit card as an authorized user. He said it will help improve his credit score. Is this true, and would it help my score in any way?


Dear Anna,

Your brother is wrong. It will not improve his credit score at all. As an authorized user, he is not the owner of the debt. Theres a high likelihood that it will affect your credit score in a negative way, though, because theres a good chance hell do some dumb things with your card.

Look at it this way. Why would someone give him credit, or raise his credit score, just for using your credit? It doesnt make sense. Your credit score is affected by things like whether or not you pay your bill on time. The card isnt in his name, so really all this amounts to is him having fun with your card, and youre the one whos liable for the damage. The truth is that authorized users shouldnt even show up on a credit report.

It sounds like your brother has some financial problems. While I admire the fact that he wants to fix things, this is not the answer. Dont misunderstand what Im saying, Anna. Chances are hes not trying to con you. He probably just got some bad information. But the hard truth is this: If you go along with his idea, its not going to help him, and its going to hurt you. Dont do it!


Dear Dave,

In terms of a familys financial plan, when is it okay to purchase something like NFL season tickets? Is this the kind of thing that should wait until youre debt-free and can afford to pay cash for them?


Dear Greg,

Absolutely, you should wait until youre debt-free and can pay cash. That kind of thing is a prime example of an expensive, luxury purchase.

Im an NFL season ticket holder for the Tennessee Titans. But Ive been debt-free for years, and my familys financial future is very secure. Whether the Titans win or lose, or whether I watch the games in person or in front of the television, has no impact on their security. However, if youre sitting there with credit card debt, a car payment and living paycheck to paycheck, youve got no business buying season tickets. Get yourself out of debt, build an emergency fund, and make sure your family is taken care of first. Then you can have some fun. Live like no one else so that later you can live like no one else. And then, if that includes season tickets to your favorite football, baseball or hockey team, have a blast!

Remember, this kind of thing is entertainment. I know a lot of silly people out there act like whoever wins a football game is a matter of life and death, but its just a game. Your life and your financial future are not games, and theyre not things to be taken lightly. First things first, Greg. There will be plenty of time for that kind of fun when you can afford it!


Dave Ramsey is Americas trusted voice on money and business. Hes authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. The Dave Ramsey Show is heard by more than 5 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.