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Aug 5, 2017
3:27
:15
pm
v1k0u6
All-American
If you're in a total mess and don't know how to deal with money it's good
It's like a crash diet not healthy long term but helps get things under control
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v1k0u6
Previous username
vikoug
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v1k0u6
Joined
Sep 11, 2008
Last login
Jun 16, 2024
Total posts
28,152 (4,356 FO)
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Messages
Author
Time
So I don't know much about dave Ramsey but I have friend that raves about him
cougarfann888
8/5/17 3:22pm
There are certain personality/under-educated types that are absolutely horrible with finances.
mulletino
8/5/17 3:24pm
I listen to his show sometimes. It blows me away that there are so many people
Hambone
8/5/17 3:30pm
We are constantly taught in our church to avoid debt,
Mister P
8/5/17 3:58pm
During the recession I rarely saw a credit card app in the mail...2-3 a day now.
Bonoman
8/5/17 5:42pm
2/3 of American adults can't pass a basic financial literacy test.
ag4cougs
8/5/17 3:37pm
I don't disagree. I didn't put a % on the number of people out there that don't have a clue what they're doing.
mulletino
8/5/17 3:39pm
I was not told that there would be math on this test
SJS
8/5/17 4:23pm
He's what half of America needs, but probably not you.
Cougarrr
8/5/17 3:24pm
If you're in a total mess and don't know how to deal with money it's good
v1k0u6
8/5/17 3:27pm
His advice is very good for people with large credit card debt
CougarThug
8/5/17 3:30pm
I don't have credit card debt but 401k match is 100% rate of return first day
cougarfann888
8/5/17 3:41pm
Depends on vesting. I can see where Dave is coming from on this. Most don't stay at a job long enough to be 100%.
mulletino
8/5/17 3:42pm
If you don't have massive credit card debt, then he preaches to the dumbest of..
ToasterChive
8/5/17 3:39pm
Your math is right- but most people and people that need his advice don't follow
RedlandsCoug
8/5/17 3:42pm
That's not what he teaches. But he tries to dumb it down.
SouthernBlueBlood
8/5/17 3:47pm
That was an exact line from the book
cougarfann888
8/5/17 3:56pm
I've heard him discuss this and similar issues. And I'm sure it's just an overview comment. But I've never heard him say
SouthernBlueBlood
8/5/17 3:59pm
You're a smart guy. Just listen to him and apply what makes sense. It's a good
HoustonCougar
8/5/17 3:48pm
Pay smaller debts first, roll payments into larger ones.
delux_247
8/5/17 3:48pm
he spends way too little time discussing the benefits of raising your income.
HarlemCoug
8/5/17 3:52pm
Come on. All you need is to eat rice and beans and you'll pay off that $70K debt in no time on your $40K salary.
mulletino
8/5/17 3:55pm
No Totino's?
TNT
8/5/17 3:57pm
TNT has debt? How?
mulletino
8/5/17 3:58pm
Simple. Huge 600 sq ft cardboard box, a nice computer, and a Geo Metro
TNT
8/5/17 4:00pm
People lend money on wet cardboard and Geo Metros? What a time to be alive!
mulletino
8/5/17 4:07pm
If you listen to his show he talks about that ALL the time
mudpupper
8/5/17 5:16pm
I was forced to listen to him once on a road trip. he never mentioned it. glad to hear that it's a point of emphasis for
HarlemCoug
8/5/17 5:21pm
He provides a plan, which is more than most people have
CocaColaRecovery
8/5/17 3:55pm
what % of his show would you say he discusses the importance of raising your income?
HarlemCoug
8/5/17 4:00pm
RE: what % of his show would you say he discusses the importance of raising your
CocaColaRecovery
8/5/17 4:09pm
He's not a religion. You don't have to follow everything,
Mister P
8/5/17 3:56pm
I think he's generally OK, but he has absolutely no clue about 401k retirement
DumpsterFire
8/5/17 4:29pm
The church's SRS initiative for personal finance will eventually get to Utah
ryebrye
8/5/17 4:47pm
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