According to the article, Lifestyle Inflation: More Money Same Problems, Dave Ramsey recommends all of the following EXCEPT Question 4 options: a) Instead of relying on a credit card or loan to "afford" a splurge, stash away small amounts of cash over time. b) The way you can truly afford the lifestyle items you want is to pay for them in cash. c) A zero-based budget (where your income minus your expenses equals zero) can keep you from living beyond your means. d) A budget is restrictive and keeps you from spending money you do not have.

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