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For all you Dave Ramsey lovers....

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I don't love or hate him....but I can tell you one thing: I would never ******* scream "I'm debt freeeeeeeeee!!!!!!!!" like a bad programmed disney robot.

I get people who manage debt.....but I don't get it either.
 
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He's definitely not perfect but has helped millions out of debt. That at least in itself is a good thing. I don't agree with all of his methods but theoretically if you follow the baby steps more good than bad will come in your financial life.
 
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I read this a couple weeks ago. I’m sure the truth lies in the middle. But I can believe the following two things to be true: 1) Ramsey has helped tons of people and 2) He is a self-righteous jerk.

Very strong company culture goes both ways. It can create a sense of community and bring joy to people. Or, it can become toxic and feel like a cult.
 
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Messi said:
Company policy against pre martial sex? Interviewing the spouse? How is that legal ?
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The article talks about that, I believe. The courts have recently been allowing some of this. Meaning, if you are an organization that follows religious values, so long as you apply them equally, the law allows it. It used to only apply to religious orgs like the Catholic Church (can’t be a gay or female priest, for example). However, courts have recently been extending some of those principles to private companies run by very religious people.
 
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Why are we all labeled "lovers" or "haters"?
Use those terms, and I label you a "sphincter". Fair enough?
 
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I drilled into the comments section of this Tennesseean/USA Today article...the usual fake bot/political hack/ paid influencer mind control stuff. This thing went COVID mask faster than an ISU women's volleyball thread. EVERYTHING is political anymore and keep that in mind.....it is refreshing to escape it when you can.
 
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throwittoblythe said:
I read this a couple weeks ago. I’m sure the truth lies in the middle. But I can believe the following two things to be true: 1) Ramsey has helped tons of people and 2) He is a self-righteous jerk.

Very strong company culture goes both ways. It can create a sense of community and bring joy to people. Or, it can become toxic and feel like a cult.
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The thing is his financial advice isn’t even that good. It’s good for stopping people from actively digging a hole but other than that it’s bad advice.

There are much better sources of financial advice that don’t come with the baggage.
 
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Urbandale2013 said:
The thing is his financial advice isn’t even that good. It’s good for stopping people from actively digging a hole but other than that it’s bad advice.

There are much better sources of financial advice that don’t come with the baggage.
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Yes. His debt relief stuff is good. His philosophy is perfectly suited for people who have zero discipline and don’t know where to start.

His investing advice is sketchy. He tells people to assume 10% returns on their investments and if you’re not getting it “you just need to find a better fund.” Assuming 10% will create some real problems for people over the course of their working life.
 
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mj4cy said:
He's definitely not perfect but has helped millions out of debt. That at least in itself is a good thing. I don't agree with all of his methods but theoretically if you follow the baby steps more good than bad will come in your financial life.
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This to me shows a failure of American education. How are we not doing a better job of teaching very basic consumer economic tool?

Call it a "Financial Self-Defense" class or "Bling Economics".....anything to get kid's attention.

After selling loans for some time it was way too ******* obvious that people were absolutely clueless and reckless with money.

Dave isn't throwing out concepts that are difficult to grasp
 
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dmclone said:
I'd say that for at 75% of the people in the U.S., it's good advice.
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It isn’t like it’s some complex advice though.

Stop spending money you don’t have.

You can listen to lots of people and get that advice. I’ve long held that the majority of the US is financially illiterate but I still don’t think Ramsey is good. He’s better than nothing but there are plenty of other options out there.
 
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While some of it is bad. I have seen a lot worse in business. Pretty sure almost every company I have ever worked for has some strange and almost creepy rules. His are just tied to religion. I think where I finally said that’s wrong is when he didn’t fire Chris Hogan. Until then he actually ran his company based on the Bible. Which normally companies don’t do. Also, seems like everyone knew the rules when they signed up to work for him. If you know the rules of a company and break them, don’t spout off after about what happened when you got fired.
 
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Urbandale2013 said:
It isn’t like it’s some complex advice though.

Stop spending money you don’t have.

You can listen to lots of people and get that advice. I’ve long held that the majority of the US is financially illiterate but I still don’t think Ramsey is good. He’s better than nothing but there are plenty of other options out there.
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If you don't spend less than you make, there is no advice out there that will help you. Every solid piece of financial advice starts with a budget, that is what he preaches. I'm not a Ramsey fan, but he basically preaches following a budget and having short, intermediate, and long term goals (what his debt snow ball and his baby steps are). Those are the core of basically all financial planning. After those, things are much easier. What core principles would you say should be done instead of those?
 
Drew0311 said:
While some of it is bad. I have seen a lot worse in business. Pretty sure almost every company I have ever worked for has some strange and almost creepy rules. His are just tied to religion. I think where I finally said that’s wrong is when he didn’t fire Chris Hogan. Until then he actually ran his company based on the Bible. Which normally companies don’t do. Also, seems like everyone knew the rules when they signed up to work for him. If you know the rules of a company and break them, don’t spout off after about what happened when you got fired.
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The one lady who said they hid their credit card from them when her husband was hired, I gave no credence to. If you have any clue about Ramsey and you do that, you are starting out on horrible footings.
 
Drew0311 said:
Pretty sure almost every company I have ever worked for has some strange and almost creepy rules.
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I don't relate. That article describes some pretty invasive and icky stuff. But I don't have any sympathy for the people who agree to work there and later regretted it. Very naïve.
 
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Worship services held at company HQ where worship leaders say this on the stage...

“Ramsey, may we be those who trust him even in the day of trouble, because we know he is good,” one of the worship leaders said as the service drew to a close.

Definitely not cult-like.

And is anybody really shocked that Ramsey appears to be an aggressive COVID-denier?
 
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