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Most people that I give the advice to read Ramsey, take it like a grain of salt and pay no attention to my advice.
So, if that be the case with you, I would say the most common misnomer about personal finances is the debt snowball approach.
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I know that am a good woman for the right man worth me and i him. I follow the Ramsey financial philosophy and I have done well.
I would first want to be friends, then if we are compatible and connect, move forward to a LTR then hopefully lead to Marriage. This would have to be done very discretely I will spring for the motel room. And, yes not paying them back has a negative impact on your credit!
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