re: Why do people not like Dave Ramsey?

I thought it was kind of a given that anyone who was not in any debt wouldn't listen to his show really.

Ah, if true, that's pretty shitty.

That's the kind of Christianity I'm not a fan of.

If DR doesn't do it, that's great. But if his employees do, why would he gaf?

I love Dave Ramsey. I graduated pharmacy school with 250K in debt and paid it off in 5 years because of the inspiration of Dave.

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You missed my point about following the program. If you are living his program and dont have debt, none of those are issues. The foundation of his program is to live a "modest" life with no frivolous spending. If you have no debts and are only buying necessities,

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Ah yes i did miss the point then. The people I hear him talk to most often are the ones who are so deep in debt they need three years of beans and rice to get out and already have no retirement savings in their late 40's / 50's and still make minuscule incomes. Those people are likely 20 years away from 20% down.

DR brings me all the way back to the 1990’s. My friend and I read his book and started on the baby steps. I made it to the 1,000 emergency fund, and started on the debt snowball. I ended up enlisting in the Army and forgot all about it.

My friend kept at it, got married and got his wife on board. I caught up with them last summer. They hardly wavered over the past 25 plus years. They paid off their home, no debt and are investing.

They lived frugal, driving old beaters and opting on cheaper vacations such as camping etc. I think they even went to some of the early Financial Peace seminars.

It’s a decent way to instill the basics to people that have zero concept of financial affairs. I do think his baby steps are way outdated, unless he revised them along the way. A 1,000 emergency fund might cover a set of tires and an expensive vet bill. And, in my life, these things always seem to happen together.

The zero debt concept has gotten unrealistic. Picking up a second job delivering pizzas or working another low wage job doesn’t scratch the surface on mortgage payments.

Finally, as Dave has gotten older I have found him more arrogant and egotistical.

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I honestly don't understand how anyone can get themselves in that kind of debt.

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Me neither, but I know a guy who, when he retired from USPS 20+ years ago, claims he was $700K in debt.

He said on his first day of retirement, he listened to Dave Ramsey for the very first time.

Now he is a multi-millionaire who spends like a drunken sailor. He's now 67.

I find it hard to believe, but that is what he claims.

He’s a scold.

I was unaware of this and his bizarre sexual activity policy.

Comes off like those nutty Scientologists that work at sea org ( which probably deserves it’s own thread)

Not a fan of those eyebrows. Reminds me too much of this guy:

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But why not buy the beater, save the 800 a month for 2 years, then buy the 20k car in cash then? That way, if something goes wrong in those 2 years, you aren't screwed. It just takes a burden off that you don't need.

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Because chances are you aren't going to make it two years before the POS car breaks down, leaves you stranded, costs more than it's worth to tow/repair and then you're in worst shape then when you spent your last nickel buying it. Reliable transportation at low interest is the smarter choice 10 out of 10 times.