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re: My experience Interviewing for Dave Ramsey
Posted on 11/25/15 at 6:25 am to Jblac15
Posted on 11/25/15 at 6:25 am to Jblac15
$300 tires? Hmmm...if your wife has a $1200 set of tires, I'm guessing that's a fairly expensive car or perhaps a truck/SUV.
Hell my wife had a Charger RT with the Hemi when we first got married. It came with Z-Rated 20" Tires. They cost her about a grand for the set.
If you are cash flowing those types of cars or expenses, sounds like you make a little more than decent money (though that term is always subjective).
Hell my wife had a Charger RT with the Hemi when we first got married. It came with Z-Rated 20" Tires. They cost her about a grand for the set.
If you are cash flowing those types of cars or expenses, sounds like you make a little more than decent money (though that term is always subjective).
1
Posted on 11/25/15 at 7:38 am to EA6B
quote:
She had a lot to say about what was wrong with those that give advice on personal finance but offered little in the way of a alternative for those that need help. As a hard core liberal, and disciple of Maynard Keynes, she believes if you are broke or in debt it is not your fault, you are just a victim of circumstance, only government programs and changes in policy can fix your problems.
Yes she doesn't give alternatives but I'm old enough to be able to read something like that and see both sides without going into a tailspin. But most of it is predatory, including Dave Ramsey. Posted on 11/25/15 at 7:59 am to GFunk
quote:
My experience Interviewing for Dave Ramsey by GFunk$300 tires? Hmmm...if your wife has a $1200 set of tires, I'm guessing that's a fairly expensive car or perhaps a truck/SUV.
Michelins on a 2014 Jeep...
Wife is a teacher and I work for an industrial contractor, we do OK.
Posted on 11/25/15 at 8:22 am to Jblac15
I just put 4 tires on a 2011 Chevy 2500. $1400 plus tax. Tires are not inexpensive for any vehicle anymore.
Posted on 11/25/15 at 10:44 am to Jblac15
quote:
Jblac15
quote:
Michelins on a 2014 Jeep...
Wife is a teacher and I work for an industrial contractor, we do OK.
If you cashflowed a brand new Jeep you're doing far, FAR better than Okay. I'm not calling you out. But trust me, even folks who are debt free can't do that without months-if not years-of saving in advance.
Posted on 11/25/15 at 11:00 am to GFunk
Didn't cash flow it. Financed and paid off in 12 months.
ETA:
When we got married, I made "X" per year and she didn't really have a full time job at the time. Fast forward 5 years, I now make almost "2X" and she gets a regular teachers salary. The biggest thing is that we never live like a dual income family, because when we're fortunate enough to have a kid the ultimate goal is for her to stay home. We don't include her income in our budget because we know it won't be there forever. So everything that she makes goes straight into savings. When she wanted the Jeep, we decided that we would buy it and put all of her paychecks towards it until it was paid off. I'm certainly not trying to brag in any way, but this is just an example on what we're able to do since we have learned to live on less than we make. I would love to do the same thing with our house but we're hoping that she won't be working for a couple years after this year.
ETA:
When we got married, I made "X" per year and she didn't really have a full time job at the time. Fast forward 5 years, I now make almost "2X" and she gets a regular teachers salary. The biggest thing is that we never live like a dual income family, because when we're fortunate enough to have a kid the ultimate goal is for her to stay home. We don't include her income in our budget because we know it won't be there forever. So everything that she makes goes straight into savings. When she wanted the Jeep, we decided that we would buy it and put all of her paychecks towards it until it was paid off. I'm certainly not trying to brag in any way, but this is just an example on what we're able to do since we have learned to live on less than we make. I would love to do the same thing with our house but we're hoping that she won't be working for a couple years after this year.
This post was edited on 11/25/15 at 11:27 am
Posted on 11/27/15 at 11:06 pm to anc
I'll just leave this here.
How Dave Ramsey Made $55 Million by Being Good on Personal Debt, Naive on Business Debt, Lousy on Investing, and a Loudmouth Bully
How Dave Ramsey Made $55 Million by Being Good on Personal Debt, Naive on Business Debt, Lousy on Investing, and a Loudmouth Bully
quote:
He presents himself as a debt-free Christian, and recommends that we all be just like him. That, too, irks me. Why? Because he has only one claim to fame. Dave Ramsey stiffed his creditors legally, got back on his feet, and is now making a financial killing by selling rotten investment advice to poor people who do not know enough about investing to recognize that he has been faking his non-existent financial expertise for a decade.
Dave Ramsey is not to be trusted.
Posted on 11/30/15 at 11:02 am to just1dawg
quote:
He presents himself as a debt-free Christian, and recommends that we all be just like him. That, too, irks me. Why? Because he has only one claim to fame. Dave Ramsey stiffed his creditors legally, got back on his feet, and is now making a financial killing by selling rotten investment advice to poor people who do not know enough about investing to recognize that he has been faking his non-existent financial expertise for a decade.
Dave Ramsey is not to be trusted.
All this from a guy that is trying to drive people to his website?
quote:
The reason I set up my free site on getting out of debt, www.DeliveranceFromDebt.com, was simple. I did not want to go to my grave knowing that I did nothing to help desperate people get out of debt. But I decided not to sell them advice in their hour of need, the way Ramsey does.
This is false. Dave Ramsey gives away a lot of free material on his website and even his podcast. Both are FREE.
This article has some good points but I can't get over the fact that this guy is trying to drive traffic to his website (which BTW, is very tough to browse). He knows that Dave Ramsey is crushing him in website views so he's bashing Ramsey to get people to come to his site.
Posted on 11/30/15 at 1:37 pm to CHiPs25
quote:
This article has some good points but I can't get over the fact that this guy is trying to drive traffic to his website (which BTW, is very tough to browse). He knows that Dave Ramsey is crushing him in website views so he's bashing Ramsey to get people to come to his site.
He also used a lot of comparisons between the performance of gold and market returns to discredit Dave, his numbers were probably accurate at the time he made the statement, but would not be a valid argument using current performance data. I am not a Dave Ramseycheerleader, I just don't wee anything wrong about what he does.
Posted on 11/30/15 at 2:06 pm to EA6B
So someone who supports owning metals instead of monetary instruments is mad that a monetary instrument pusher discredits his metal-ownership sacred cow? Because that's all I'm taking away from that Gary North rant.
As far as mutual fund investments, I think splitting into equal fourths the way Dave Ramsey describes will leave a person a bit heavy in international markets for my personal taste. I think urging people in the 50+ or even 60+ age group who are behind from where they want to be in retirement to "catch up" by aggressively investing in stock funds may not be good on a case by case basis.
But the buy and hold, long term passive mutual fund investment strategy is sound IMO. I have a hard time taking seriously anyone who wants to discredit that strategy by recommending gold instead.
As far as mutual fund investments, I think splitting into equal fourths the way Dave Ramsey describes will leave a person a bit heavy in international markets for my personal taste. I think urging people in the 50+ or even 60+ age group who are behind from where they want to be in retirement to "catch up" by aggressively investing in stock funds may not be good on a case by case basis.
But the buy and hold, long term passive mutual fund investment strategy is sound IMO. I have a hard time taking seriously anyone who wants to discredit that strategy by recommending gold instead.
This post was edited on 11/30/15 at 2:07 pm
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