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re: Dave Ramsey Facebook Tip Of the Day
Posted on 10/20/22 at 6:04 pm to pioneerbasketball
Posted on 10/20/22 at 6:04 pm to pioneerbasketball
You can't make every decision in life based on what makes the most financial sense, You would live a miserable life. If a new car is what gets you going, get a new car. If its a hobby, enjoy your hobby. Being happy is worth more than money.
My biggest issue with Dave Ramsey is he assumes everyone can't handle using credit responsibly. Just because he couldn't handle credit doesn't mean other people can't handle it. I put EVERYTHING on a CC and still manage to have more money than I started with at the end of the month and I pay everything in full every month. I know the CC points aren't much but I got around $800 last year that I wouldn't have had if I paid cash and I didn't pay a dime in interest.
My biggest issue with Dave Ramsey is he assumes everyone can't handle using credit responsibly. Just because he couldn't handle credit doesn't mean other people can't handle it. I put EVERYTHING on a CC and still manage to have more money than I started with at the end of the month and I pay everything in full every month. I know the CC points aren't much but I got around $800 last year that I wouldn't have had if I paid cash and I didn't pay a dime in interest.
7
Posted on 10/20/22 at 6:42 pm to armsdealer
quote:
Being happy is worth more than money
Agree with this!
Some of that happiness requires money.
Most of it really does not (for us).
Never understood putting money at the center of life. On the other hand, hard to imagine achieving happiness without it.
Cars are it for us. Experiences are and where we tend to spend ours...
Posted on 10/21/22 at 11:01 am to armsdealer
quote:
My biggest issue with Dave Ramsey is he assumes everyone can't handle using credit responsibly
He misjudges some people with this thought process... but most (not all) people CAN'T handle using credit responsibily.
Posted on 10/21/22 at 11:47 am to armsdealer
quote:
My biggest issue with Dave Ramsey is he assumes everyone can't handle using credit responsibly
If you can handle credit responsibly, you probably don't need Dave Ramey's advice.
This post was edited on 10/21/22 at 5:00 pm
Posted on 10/21/22 at 12:54 pm to armsdealer
quote:
because he couldn't handle credit doesn't mean other people can't handle it.
His target audience is people that can't handle credit, or people that want to get out of that hole forever. I think he's very right on alot of things, but sometimes there are better ways to do it. He'll even say it sometimes. He won't outright say it, but you can read between the lines.
Posted on 10/21/22 at 1:29 pm to armsdealer
quote:
My biggest issue with Dave Ramsey is he assumes everyone can't handle using credit responsibly.
That’s his market. Not people that have always been financially responsible for the most part, but problem credit users that can’t control themselves
Posted on 10/21/22 at 4:03 pm to armsdealer
quote:
You can't make every decision in life based on what makes the most financial sense, You would live a miserable life.
I agree with this a lot and I'm a financial person. RV's, boats, and even kids never make financial sense. But if they make you happy, then enjoy them. Just make an adjustment somewhere else.
PS: I haven't bought a new car in about 20 years.
Posted on 10/22/22 at 1:18 pm to armsdealer
quote:
You can't make every decision in life based on what makes the most financial sense, You would live a miserable life. If a new car is what gets you going, get a new car. If its a hobby, enjoy your hobby. Being happy is worth more than money.
This is also true. I’m 31 and if I never went out for drinks, chased women, took vacations, bought a ski boat, fishing boat, etc I’d have hundreds of thousands saved up. But I’d also have lived a boring arse life during the best years of my life and missed out on loads of fun with friends, experiencing different women, seeing and doing things most people don’t get to. Those memories are worth more to me than any dollar amount because you only get one shot at life and I’d rather live it and enjoy it and die with 50k in my bank account than be a multi millionaire alone, bored, and regretting never doing things because I was too worried about making money.
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