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1914 tiger 
LSU Fan
Member since May 2006
258 posts
| Dave Ramsey products (Posted on 3/13/13 at 12:11 pm)
Have any of you used his products? What are your thoughts of the products?
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OnTheBrink 
Alabama Fan
TN
Member since Mar 2012
1802 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 12:15 pm to 1914 tiger)
More specific. Total Money Makeover? Financial Peace? FP Classes? EntreLeadership? ELPs?
I have not used any but I do listen to his show daily. It's a common sense approach that is good for 95% of the people.
This post was edited on 3/13 at 12:17 pm
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ItNeverRains
LSU Fan
Franklin, TN
Member since Oct 2007
4568 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 12:17 pm to 1914 tiger)
quote:
Have any of you used his products? What are your thoughts of the products?
Wasn't aware he had a product line. Do tell.
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notiger1997
Member since May 2009
17000 posts
 Online
| re: Dave Ramsey products (Posted on 3/13/13 at 12:23 pm to ItNeverRains)
quote:
Wasn't aware he had a product line. Do tell.
Oh he has products alright. He also has seminars and all kinds of things he can make money with by basically selling common sense. 
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LSUAfro
LSU Fan
Baton Rouge
Member since Aug 2005
8581 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 12:28 pm to 1914 tiger)
I bought one of his shirts...on credick.
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Dan
LSU Fan
New Orleans
Member since Dec 2006
2067 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 12:31 pm to ItNeverRains)
pack of 100 $4.99
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Breadcrumbs
LSU Fan
Baton Rouge
Member since May 2005
2792 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 12:32 pm to 1914 tiger)
listen to his show, read the books. it's a good idea to get out of debt. get an emergency fund savings account. invest prudently. etc. There may be more to it, but it's fundamental advice.
I don't do the envelope thing, but I can see the benefit for budgeters.
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Vols&Shaft83 
Tennessee Fan
Member since Dec 2012
3088 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 12:40 pm to 1914 tiger)
quote:
Have any of you used his products? What are your thoughts of the products?
I did do FPU class, which for the Lifetime membership, and Kit, was like $90. Was a good investment, to kind of reinforce sound financial principals. Honestly wish I had done it with my ex-wife before we got married. Would highly recommend for young couples.
But with his books, with the exception of Entre-Leadership, they all pretty much say the same things.
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Fat Bastard 
New Orleans Saints Fan
Paradise
Member since Mar 2009
13433 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 12:42 pm to notiger1997)
quote:
basically selling common sense.
something we as a country are LOW ON.
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Vols&Shaft83
Tennessee Fan
Member since Dec 2012
3088 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 12:58 pm to Fat Bastard)
quote:
something we as a country are LOW ON.
Amen, great minds think alike
quote:
"There is nothing more uncommon than common sense."
Frank Lloyd Wright
quote:
"I have a career because common sense is so Uncommon, that I can market it".
Dave Ramsey
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OnTheBrink
Alabama Fan
TN
Member since Mar 2012
1802 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 1:00 pm to Vols&Shaft83)
quote:
Vols&Shaft83
You need to send Dave a tweet or email about bitcoins. I would love to hear his on-air rant one day.
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Vols&Shaft83
Tennessee Fan
Member since Dec 2012
3088 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 1:05 pm to OnTheBrink)
quote:
You need to send Dave a tweet or email about bitcoins. I would love to hear his on-air rant one day.
I honestly think the ridiculousness of bitcoins would give him a heart attack.
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GoCrazyAuburn 
Auburn Fan
Member since Feb 2010
9061 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 1:15 pm to Vols&Shaft83)
Tell him you are cashing out your roth to fund a permanent policy and invest the rest in bitcoins. His head will literally explode.
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OnTheBrink
Alabama Fan
TN
Member since Mar 2012
1802 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 1:17 pm to GoCrazyAuburn)
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rickgrimes
LSU Fan
Member since Jan 2011
2758 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 1:20 pm to 1914 tiger)
I haven't used any of his products myself. But a couple of years ago there was a thread here about paying off debt and how Ramsey's method could help you do it. I had about $20k of credit card debt that I was struggling to pay off inspite of making good money. I was just indisciplined. There was one poster here, forgot who it was, that gave me the best price of advice ever.
All he said was forget Ramsey. Stop using credit cards. Pay cash or use debit cards everywhere. And start paying off the credit cards one by one starting with the least balance even though paying off the highest interest credit card makes the most sense. It was true, seeing balances go to zero gives a sense of accomplishment that is hard to explain. You have to experience it. It feels good. I paid off the debt in less than 6 months, while I had carried over the balances for a few years. I have been debt free since then. I put a couple of thousand dollars on my one Amex Blue Cash credit card to earn cash back, but pay it off every month, no matter what. Even when I had cash flow problems on certain months due to big purchases or whatever, I have taken money out of my saving account to pay off the credit card for that month. I haven't paid a cent in interest since I got debt free. Made a few investments here and there including real estate.
There is not much to Ramsey apparently other than that he asks you to pay everything in cash, not take in debt, save money religiously and not to buy anything that you can't afford to pay for immediately (maybe with the exception of a house, I think).
This post was edited on 3/13 at 1:30 pm
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GoCrazyAuburn
Auburn Fan
Member since Feb 2010
9061 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 1:23 pm to 1914 tiger)
Pretty much. He helps the 70-80% of America that is way too much in debt. I disagree with him on a lot of stuff, but his program will get you out of debt. Is it the best or most efficient way? Absolutely not, but it definitely is one of the more effective ways.
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Vols&Shaft83
Tennessee Fan
Member since Dec 2012
3088 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 1:30 pm to GoCrazyAuburn)
quote:
Pretty much. He helps the 70-80% of America that is way too much in debt. I disagree with him on a lot of stuff, but his program will get you out of debt. Is it the best or most efficient way? Absolutely not, but it definitely is one of the more effective ways.
This.
He is more about changing behavior than he is about investing. Behavior is more important than math when getting out of debt.
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jso0003
Auburn Fan
Birmingham/Atlanta
Member since Jun 2009
4456 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 1:37 pm to GoCrazyAuburn)
quote:
Tell him you are cashing out your roth to fund a permanent policy and invest the rest in bitcoins. His head will literally explode.
Would. Be. Epic.
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Vols&Shaft83
Tennessee Fan
Member since Dec 2012
3088 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 1:39 pm to jso0003)
quote:
Tell him you are cashing out your roth to fund a permanent policy and invest the rest in bitcoins. His head will literally explode.
Would. Be. Epic.
I would but I don't have a Twitter
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OnTheBrink
Alabama Fan
TN
Member since Mar 2012
1802 posts
| re: Dave Ramsey products (Posted on 3/13/13 at 1:42 pm to Vols&Shaft83)
Shoot him an email.
I have a feeling he would sniff out the troll from the beginning...
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