RoyalWe

I bought it but have been too busy playing Esoteric Ebb to spend much time with it. Graphics look great.

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there are folks out there for whom that retirement savings (401k, Roth, etc.) is the main engine of their retirement income

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All of my retirement funds are in an IRA.

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They're planning on taking 4 to 5%, every year, rain or shine.

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I take 6.5% as a floor.

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They're not going to have a bucket of cash to buy back in after selling.

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Again, it depends on how you invest. You are assuming someone who is retired is investing in a specific way that precludes this.

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Not everyone has that luxury.

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It takes discipline and planning. That's it, but you're right that many do not have discipline nor do they plan.

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I absolutely expect the “live for today only” crowd to incessantly whine about their self-induced predicaments in the years to come.

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I am thankful that growing up our family had a lot of financial difficulty because it taught me that financial security was up to me. While it aggravates me that the most productive in our society are the most taken advantage of, I still wouldn't change my position for anyone else's. I also am immune to whiners and those who believe luck is the most significant success factor. It's not.

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I keep getting banned for joking.

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This is what got me banned the last time! I can't remember exactly what I said, but all I did was ask a question about something that people were talking about. I'll give an example.

Person 1: "Blueberries are great."
Person 2: "I like strawberries, but blueberries are great too."
Me: "Yes, but are blueberries great?"

BANNED. Take your joking elsewhere, troll.

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you are racist.

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If there’s anything I’ve learned in the past few years, it’s that I’m racist regardless of the content of my character.

I never expressed concern to my parents. When I was getting my estate planning in order I just let them know and told them if they were interested that I have the people to do it. They bit.

I thought they were Feds.

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I see those principles make people my age pull their hair out and causes unnecessary stress.

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What you have to realize is that there are financially illiterate people everywhere who need the basic kind of program that Ramsey provides. It is not for everyone, and certainly not for those of us who already understand finance and have discipline. Most people don't have a clue -- that's why his stuff is marketable.

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What is wrong with people?

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The main issue is people not respecting private property rights.

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Dave Ramsey is responsible for financial stress for half of this country.

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Wow. I wouldn't expect to hear that from anyone. Why do you believe this?

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I'll ask in return... do you seriously belief that ear shooting farce?

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Do I believe someone shot at President Trump? Yes. Why wouldn't I? Is there some information out there that disputes this? Was Corey Comperatore (sitting behind Trump) not killed or was he a plant with special effects? The same special effects team that had blood going down Trump's face?

As far as who is behind it, nothing would surprise. The CIA has been involved in actions against our own presidents in the past. However, liberals are violent and crazy (and easily manipulated to do violence). So, what part?