re: Dave Ramsey Caller: 64 year old in debt with pregnant wife.

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Most people are stupid and need simple plans

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I know, that’s what I said.

Dave is good for teaching to the lowest common denominator, but his plans and ideas are not good if you aren’t a dumbass.

You know how wealthy people build wealth? Other people’s money, but putting $20 bills in a fricking envelope

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not my cup of tea

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Maybe if you listened to brother Dave you wouldnt be in the shape your in!!!!!

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Dude lives in Buffalo and wants to move to California. Just seems like a crazy idea given the circumstance.

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I used to have an employee who was considering moving to upstate NY "because the govt assistance was better than in Alabama". She was married. She had a biracial child from a previous relationship. Her husband did not work and had two kids from a previous marriage. He kept getting put in jail over not paying child support, and refused to get a job.

California is perfect for people that don’t work, 40% of the population is on Medical and welfare

Typical call:

Caller: Dave! I’m debt Free! I paid off $250,000 in 18 months!

Dave: Congratulations, caller, how did you do it?

C: well, Dave, I worked the program. Paid off the small debts first. Then my wife and I sold both our new cars and bought a ten year old beater. We stopped going out to eat. Gave up Starbucks, and we each got an extra job working from home.

D: great job! That sounds like a good start. How much do you and your wife earn?

C: $115,000 adjusted gross combined.

D: What else did you do? That’s not gonna pay off that kind of debt in 18 months.

C: Well, Dave, my wife had inherited a 3500 sq. ft. condo before we met, and we sold that to cover the remaining $220,000.

D: see folks. You too can get out of debt if you follow my program. Small debt first, drive a beater with no car note, get a second job, and eat beans & rice.