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Message
Dave Ramsey: I'm 14 Years-Old And I Have $21,000 In debt!
Posted on 4/6/21 at 1:24 pm
Posted on 4/6/21 at 1:24 pm
some of these are freaking gold. 
I'm 14 Years-Old And I Have $21,000 In debt!
24 Year Old Has 6 Kids Making $11 An Hour
I'm 14 Years-Old And I Have $21,000 In debt!
24 Year Old Has 6 Kids Making $11 An Hour
7
Posted on 4/6/21 at 1:42 pm to finchmeister08
My favorite call in of all time was a lady who called in and said she had just paid off something like $100,000+ of debt.
Dave was ecstatic and she was acting so proud of herself.
When he asked her how she did it, she said one of her relatives had passed away and left her millions of dollars.
Dave was ecstatic and she was acting so proud of herself.
When he asked her how she did it, she said one of her relatives had passed away and left her millions of dollars.
Posted on 4/6/21 at 1:45 pm to finchmeister08
The 24 year old with 6 kids 
The more details the guy gives the worse it gets.
The more details the guy gives the worse it gets.
Posted on 4/6/21 at 1:47 pm to finchmeister08
14 year olds - tell them you are a minor and to suck it
Learned that from Columbia records lol
Learned that from Columbia records lol
Posted on 4/6/21 at 2:30 pm to dcrews
My favorite call was a young silicon valley employed female, whose employer was paying her student loan payments, was told by the ramsey to use her own savings to pay off the student loan debt!
Posted on 4/6/21 at 3:30 pm to finchmeister08
Children, she's had about 6 kids...... (LONG PAUSE) ...... She's 24 years old?
Posted on 4/6/21 at 7:06 pm to finchmeister08
Sometimes I crack a beer and watch the videos of the idiots that call into Dave Ramsey. It’s hilarious how ignorant people are.
Posted on 4/6/21 at 8:30 pm to dcrews
My favorite is a call I've heard several time that goes something like this:
"Hey Dave, my wife an I make $80k combined. We live in a $400k house with a 30 year mortgage. Our car payments combined are $2500. And we aren't currently contributing to our 401k.
So my question is, with interest rates being so low do you think this is a good time to buy a boat?"
"Hey Dave, my wife an I make $80k combined. We live in a $400k house with a 30 year mortgage. Our car payments combined are $2500. And we aren't currently contributing to our 401k.
So my question is, with interest rates being so low do you think this is a good time to buy a boat?"
Posted on 4/6/21 at 8:39 pm to BamaAlum02
Posted on 4/6/21 at 8:42 pm to boogiewoogie1978
quote:
Children, she's had about 6 kids...... (LONG PAUSE) ...... She's 24 years old
You left out the part where they were all by different fathers
Posted on 4/6/21 at 9:47 pm to BamaAlum02
Posted on 4/6/21 at 10:19 pm to finchmeister08
This comment on the 14 year old had me rolling.
quote:
"HI Dave I'm 3 seconds old and am just having my placenta cord cut, should I look to invest in my college fund now or should I buy this vintage stroller I've had my eye on for a second?"
Posted on 4/7/21 at 8:37 am to BamaAlum02
quote:
"Hey Dave, my wife an I make $80k combined. We live in a $400k house with a 30 year mortgage. Our car payments combined are $2500. And we aren't currently contributing to our 401k.
So my question is, with interest rates being so low do you think this is a good time to buy a boat?"
Which OT poster is this
Posted on 4/7/21 at 9:31 am to RebelExpress38
Posted on 4/7/21 at 2:39 pm to BestBanker
quote:
My favorite call was a young silicon valley employed female, whose employer was paying her student loan payments, was told by the ramsey to use her own savings to pay off the student loan debt!
It should be illegal to give financial advice this bad.
I once heard Ramsey call a listener an idiot for contributing to his 401k before he paid off all of his low interest student debt loans. The listener was only contributing enough to take advantage of his employer match..
Posted on 4/7/21 at 2:43 pm to Delacroix
He thinks finances is more of a psychological game than a mathematical one, and he has a point for the types of people that don’t pay off their credit card debt.
But for the rational actor, it is absolutely a math equation.
But for the rational actor, it is absolutely a math equation.
Posted on 4/7/21 at 4:13 pm to Ross
quote:
He thinks finances is more of a psychological game than a mathematical one, and he has a point for the types of people that don’t pay off their credit card debt.
98% of America.
Posted on 4/7/21 at 4:28 pm to Delacroix
quote:
I once heard Ramsey call a listener an idiot for contributing to his 401k before he paid off all of his low interest student debt loans. The listener was only contributing enough to take advantage of his employer match..
The type of advice he gives, doesn't allow for nuances or "what-ifs".
His advice is like this... let's say the match is 50 cents on the dollar, max 6% / 3% match. You are getting 9%.
Don't do that for a year, pay off your debt and build your e-fund.
When that's done... contribute 15% to your 401k. That will make up for the missed matches.
The whole idea is, you need to get out of debt today, and now... saving for retirement is a tomorrow issue until you get out of debt today.
Posted on 4/7/21 at 6:06 pm to finchmeister08
The wifey thinks he's a finance god and it's a constant battle trying to convince her there are other ways to go about things.
Not a big fan..
Not a big fan..
Posted on 4/7/21 at 6:18 pm to SM1010
quote:
The wifey thinks he's a finance god and it's a constant battle trying to convince her there are other ways to go about things.
Not a big fan..
You have a wife (I'm guessing a real woman) that uses Dave Ramsey's methods and you think thats bad? You should count your blessings she is conscientious of money like that.
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