re: It costs a lot of money to live

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Ramsey fills ignorant people with delusions of being millionaires by 40.

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I disagree. If you're sophisicated about money, Ramsey isn't going to help you. If you're like most Americans, "paycheck to paycheck", there is little question the Baby Steps work. Most people are just emotionally unsuitable to handle their own money, but also too broke for somebody else to handle it.

Sure, the OASDI comes out every month and people with good jobs have 401ks and/or pensions, but as far as their operating budget, many people with 6-figure incomes literally live paycheck to paycheck. What Ramsey's method (where on here did I say it was perfect?) does is give people with nothing a starting point and a plan. And there's nothing wrong with a budget, a plan and goals ($1 million by 45 is NOT out of reach for a 20 to 25 year old just starting out, but even if that doesn't happen, the same person will be better in 95 cases out of 100, following the Baby Steps).

He encourages budgeting, saving, living within your means and avoiding debt at all costs. It may not be for everybody, but where is the flaw in that methodology for the vast majority of American households?