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re: Anyone with big car notes, check in...
Posted on 8/3/14 at 6:27 pm to yellowfin
Posted on 8/3/14 at 6:27 pm to yellowfin
quote:
Ramsey is an idiot
But not. He's a tremendous marketer of poor economic decisions and has done great harm to many unsuspecting people. I don't think he truly believes all he sells.
0
Posted on 8/3/14 at 6:35 pm to yellowfin
quote:
Dave Ramsey is an idiot
more like the people who follow Dave's advice are idiots.
Posted on 8/3/14 at 8:24 pm to southernelite
I don't agree with everything Ramsey says, but there is certainly validity to his principles, particularly for those who are not financially wise and have previously made bad decisions.
I don't know of anyone who was "harmed" by his teachings.
I don't know of anyone who was "harmed" by his teachings.
Posted on 8/3/14 at 8:47 pm to lsu xman
quote:
big car notes, $500+ minimum.
Seriously, that's idiotic.
We're about to pass on a house because the flood insurance is a bit less than that.
$500 a month for a car?!?
Posted on 8/3/14 at 9:27 pm to lsu xman
$697/mo right now. I'll have plenty of time to drive a reasonable car when I'm married with kids.
Posted on 8/3/14 at 9:29 pm to Cajun Revolution
quote:
This is the last car I buy new and the last one that isn't paid for with cash.
And I'll never eat pork again
Posted on 8/3/14 at 10:15 pm to N2cars
quote:
Nissan had a lease deal on electric Leafs, that if you lived in the Georgia and combined it with Georgia tax credits, you could drive it for just about free.
Some of my buddies who are in consulting had their firm put it in EV charging stations at their employment site. In comparison to what a standard gas enginer car would cost to operate, they were getting paid when you consider their employer footed the electricity bill
We work in statistics so as you can imagine their entire department leased Nissan Leafs and had crunched the numbers to show savings by commute distance
Posted on 8/3/14 at 10:17 pm to yellowfin
quote:
Dave Ramsey is an idiot
I don't follow Dave Ramsey but he isn't an idiot. You can come out ahead in all financial dealings but 99% of people aren't smart enough to understand how to execute it. Dave Ramsey is for that 99% and for people who want to sustain a lifestyle, not jump up a few rungs on the ladder
Posted on 8/3/14 at 10:20 pm to lsu xman
2014 explorer sport paid in full
Posted on 8/3/14 at 10:23 pm to BeerMoney
quote:
Posted by BeerMoney I have a $550 month lease on my wife's car. Just because she wants some fancy new shite every 2 years. My vehicles are paid for.
That's a bucket full of laughs. She a stay at home mom?
Posted on 8/4/14 at 12:16 am to southernelite
quote:
more like the people who follow Dave's advice are idiots.
I was doing Dave Ramsey before he was, I can assure you, you are dead wrong.....in 15 years my net worth went from negative 100k to a fairly substantial sum, enough that I even have some extra to race thoroughbred horses ( I know its not very smart to be in the horse business btw). Ive also put back enough to put three kids through college and plan to retire by 50
Posted on 8/4/14 at 2:57 am to lsu xman
$650 2.35% 60 mo
Posted on 8/4/14 at 2:18 pm to WILDTURKEYisgood
With practically free financing I don't see any reason to put cash down on a vehicle. It is the cheapest money you can borrow. If you have good enough credit to get 1.8% - 3.9% financing then borrow all they will let you... well as much as fits within whatever budget you have set for yourself.
$520, 1.8% for 60.
$520, 1.8% for 60.
Posted on 8/4/14 at 2:20 pm to lsu xman
I have a $300/mo at 0% but I will never have another one again. It's not breaking me but I just think about all the things I would rather do with that money.
Posted on 8/4/14 at 2:27 pm to southernelite
quote:
Geez. $850 on a Yota. That's ridiculous shite right there.
Yota's aint cheap bro.
Posted on 8/4/14 at 2:30 pm to mattloc
quote:
plan to retire by 50
I see this a lot and don't think people realize how much it costs to live for 35 years with no income.....just healthcare as you get older for a married couple is going to be outrageous
Posted on 8/4/14 at 2:33 pm to yellowfin
quote:
I see this a lot and don't think people realize how much it costs to live for 35 years with no income.....just healthcare as you get older for a married couple is going to be outrageous
It sounds really cool to say though
Posted on 8/4/14 at 2:38 pm to yellowfin
quote:
Dave Ramsey is an idiot
Here we go!
Posted on 8/4/14 at 3:16 pm to LNCHBOX
quote:
It sounds really cool to say though
Try Dave's plan and you wont just say it, but actually do it......I already have all I need to retire. I am working at this point, while I figure out what I want to do when I retire.....right now I have narrowed it down to Colorado or Sailing the Caribbean
Posted on 8/4/14 at 3:16 pm to AngryBeavers
Don't ya get shafted on the low pricing incentives if you choose the 0% route, so in the end it's a wash?
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