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Lol if you are not listening to Dave Ramsey and flowing the baby steps
06-03-2019, 04:16 PM
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#31
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Originally Posted By Bando⏩
No utilities or streaming services? Why you lyin' bruh.6 figure income, I pay cash for everything, completely debt free, no CC's. Did it listening to Dave and even coordinating his course. It's pretty amazing getting a bi-monthly paycheck and have no payments due so just throw it into savings.
Not srs I can't wait to feel dem feelz. The hype is gonna be real when I finish my student loans/truck around the same time. Not gonna know what tf to do with my money lmao
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06-03-2019, 04:33 PM
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#32
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Go ahead and follow Dave Ramsey's advice if you want to be average.
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06-03-2019, 04:37 PM
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#33
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Originally Posted By RobParks2M⏩
I am anxious if I have less than 10k euro on my bank account. No misc e-stat, but its much simpler for me to gather money compared to someone with family / wife / university debt. I can confirm, there is zero financial stress, worth much more than any car / toy you can buy with that money.Good advise minus only having $1,000 emergency savings until you paid off all debt. I decided to get 6 months in savings prior to finishing my school loans and I feel much safer and don't have to worry about really anything bad happening that would wipe me out. Now I can just put the money I have left over at the end of the month straight into the loans no problem.
06-03-2019, 04:37 PM
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#34
Originally Posted By RobParks2M⏩
Its an amazing feeling being debt free, and theres really no way to describe the freedom you have.No utilities or streaming services? Why you lyin' bruh.
Not srs I can't wait to feel dem feelz. The hype is gonna be real when I finish my student loans/truck around the same time. Not gonna know what tf to do with my money lmao
Not srs I can't wait to feel dem feelz. The hype is gonna be real when I finish my student loans/truck around the same time. Not gonna know what tf to do with my money lmao
I was able to throw down enough cash in my daughters 529 acct at birth that she'll have a fully funded college fund by the time she's 18. Why not pay 25% of the college bill now and let your money do the rest of the growing. I also put away $20 a week into a retirement account so when she's middle aged she can retire with Millions, people that live debt don't realize the extra money they pay in interest, plus all the lost growth they miss out on having no savings/investing.
06-03-2019, 04:48 PM
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#35
Originally Posted By RobParks2M⏩
Stick it in the bank for your next truck that you'll buy with cash.The hype is gonna be real when I finish my student loans/truck around the same time. Not gonna know what tf to do with my money lmao
Don't put that on me Ricky Bobby, don't you ever put that on me.
06-03-2019, 05:03 PM
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#36
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Originally Posted By Bando⏩
Nah jokes on me it'll be going to my mortgage ayyyStick it in the bank for your next truck that you'll buy with cash.
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06-03-2019, 05:29 PM
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#37
Lmfao if you are so financially illiterate/irresponsible that you actually benefit from Dave Ramsey’s advice most of which I knew by the time I was 15 just intuitively, it can be boiled down into one sentence “don’t go in to debt” which is good for your average retard but for people who want to invest in real estate for example, it is not good advice.
06-03-2019, 05:43 PM
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#38
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If you have a six figure income or are even remotely financially responsible, and don't use a credit card. that's not a smart choice. I only pay with a credit card because I get 1.5-2% cash back on every purchase. And then I just pay my credit card off each month.
Not only that certain credit cards will literally give you a free plane ticket or hundreds of dollars in free cash back by enrolling in their card and spending a certain amount
Not only that certain credit cards will literally give you a free plane ticket or hundreds of dollars in free cash back by enrolling in their card and spending a certain amount
06-03-2019, 06:05 PM
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#39
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Originally Posted By irollurmom⏩
There are plenty of people that call into his show with a house-hold income of 150k-300K that are broke and in debt over their eyes. His methodology is for everyone. Furthermore, if you listen to enough of his content he eventually explains why he believes in certain things. They do studies on self made millionaires and by far and large the majority of them do things that his principles are based off of. He was a millionaire in his 20s in real estate, but was leveraging debt to build his property portfolio. Bank pulled the plug on him and he lost everything and went bankrupt. Which is why he advocates cash for everything except your home and you pay the home off ASAP. Then cash for rental properties.his target audience is lower income individuals who don't know how credit cards work.
His whole "pay cash for everything" is really only feasible for someone with poor impulse control or heavy personal debt
His whole "pay cash for everything" is really only feasible for someone with poor impulse control or heavy personal debt
Dave Ramsey's information is based on his personal experience of becoming a millionaire and losing everything. Then becoming a multimillionaire again after starting from scratch at like 30. Then he studied a bunch of other self made millionaires to see what habits/patterns they follow.
Anyone who has less then a million dollars in the market or investment properties really can't say **** about his methods.
06-03-2019, 06:20 PM
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LOL @ Step 5. No Kids crew. Even if I did have kids, they can go into debt like everyone else or at least earn their way through.
1 and 3 first, then 2. Case in point: I haven't had a job in 3 weeks. I have one, but haven't started. I was fed up with my job, found another one, put in my notice, but decided to make a full week before starting my new job. During that week, a better opportunity came up but having to go though the hiring process took another two weeks. If I was paycheck to paycheck, I'd have to pass because I'd need to start so I could get a paycheck. A lot of people seemed mindblown that I took what's going to be a month off. Not sweating it. My bills are paid ahead and it was nice having some time off.
Debt isn't desirable but there is a huge difference between debt with assets and debt with nothing to show for it.
1 and 3 first, then 2. Case in point: I haven't had a job in 3 weeks. I have one, but haven't started. I was fed up with my job, found another one, put in my notice, but decided to make a full week before starting my new job. During that week, a better opportunity came up but having to go though the hiring process took another two weeks. If I was paycheck to paycheck, I'd have to pass because I'd need to start so I could get a paycheck. A lot of people seemed mindblown that I took what's going to be a month off. Not sweating it. My bills are paid ahead and it was nice having some time off.
Debt isn't desirable but there is a huge difference between debt with assets and debt with nothing to show for it.
06-03-2019, 06:25 PM
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#41
06-03-2019, 06:28 PM
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#42
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Originally Posted By guest89⏩
The prototypical Ramsey "self-made millionaire" has a mediocre income, low expenses, and merely retires with more than a million in savings, they're not wildly successful entrepreneurs or anything like that. He also has no shortage of those millionaire callers who ask how to spend their money because they're now pushing 65 and haven't indulged since The Rolling Stones' first tourThere are plenty of people that call into his show with a house-hold income of 150k-300K that are broke and in debt over their eyes. His methodology is for everyone. Furthermore, if you listen to enough of his content he eventually explains why he believes in certain things. They do studies on self made millionaires and by far and large the majority of them do things that his principles are based off of. He was a millionaire in his 20s in real estate, but was leveraging debt to build his property portfolio. Bank pulled the plug on him and he lost everything and went bankrupt. Which is why he advocates cash for everything except your home and you pay the home off ASAP. Then cash for rental properties.
Dave Ramsey's information is based on his personal experience of becoming a millionaire and losing everything. Then becoming a multimillionaire again after starting from scratch at like 30. Then he studied a bunch of other self made millionaires to see what habits/patterns they follow.
Anyone who has less then a million dollars in the market or investment properties really can't say **** about his methods.
Dave Ramsey's information is based on his personal experience of becoming a millionaire and losing everything. Then becoming a multimillionaire again after starting from scratch at like 30. Then he studied a bunch of other self made millionaires to see what habits/patterns they follow.
Anyone who has less then a million dollars in the market or investment properties really can't say **** about his methods.
I'm pretty sure those debt-ridden doctors calling in are just subtle bragging srs
06-03-2019, 06:31 PM
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#43
Originally Posted By NextPound⏩
Except the fact that that there is no reason to not use a credit card versus pay cash if you have the self control to not carry a balance?Dave is simplest/fastest plan for getting out debt - decent investing advice, and most importantly he pushes you to get your career/biz together, which drives wealth creation faster than anything else.
MMM - is straight up being a mizer (not to be confused with a miscer) and rotting. His philosophy is give up spending money, save cash, be cheap and rot until you dont have to work anymore, and then once you made it - sit around and rot. Also, heavy dose of liberal lefty beta philosophy.
Bogleheads - is where you go when you graduate from Dave and want to start exploring all sorts of long term options for big cash building.And if you still think that a credit card is a worthwhile thing - spoiler alert - its not. BRB - enjoy your 1 cent rewards .
MMM - is straight up being a mizer (not to be confused with a miscer) and rotting. His philosophy is give up spending money, save cash, be cheap and rot until you dont have to work anymore, and then once you made it - sit around and rot. Also, heavy dose of liberal lefty beta philosophy.
Bogleheads - is where you go when you graduate from Dave and want to start exploring all sorts of long term options for big cash building.And if you still think that a credit card is a worthwhile thing - spoiler alert - its not. BRB - enjoy your 1 cent rewards .
06-03-2019, 06:41 PM
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#44
Originally Posted By patagucci⏩
I only go out to eat/drink when on vacation or when my company is paying. Even then I take a few minutes and research places that are a little more Mom&Pop with better prices and honestly, a better experience.I know I have a very tough time sticking to a budget because I live beyond my means. Those nice dinners and bar nights add up and I spend money on them even though I know this isn’t responsible or beneficial long term.
Originally Posted By xpin2winx⏩
You do your thing, I'll do mine. You go into debt every month, I never go into debt. I don't owe anybody anything, ever, I'm happy skipping a few bucks a year to be able to say that. I LOL at guys posting on social "look at my new truck!" when in reality it's the Bank's truck and you're just paying to borrow it. Suckers.If you have a six figure income or are even remotely financially responsible, and don't use a credit card. that's not a smart choice. I only pay with a credit card because I get 1.5-2% cash back on every purchase. And then I just pay my credit card off each month.
Not only that certain credit cards will literally give you a free plane ticket or hundreds of dollars in free cash back by enrolling in their card and spending a certain amount
Not only that certain credit cards will literally give you a free plane ticket or hundreds of dollars in free cash back by enrolling in their card and spending a certain amount
Don't put that on me Ricky Bobby, don't you ever put that on me.
06-03-2019, 06:44 PM
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#45
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Credit cards provide small rewards and they're relative to your cash flow, so you'll never make huge $$$ on them compared to what you make overall. But they also provide protection against fraud/theft, are hugely convenient, and give you transaction data that you'll never get with cash unless you're manually tracking your expenses in a spreadsheet or something
Dave's recommendations on credit cards are stuck in the 90s, he even cites research that was done back when we were using carbon fukn credit card imprint machines and weren't getting transaction data until your bill arrived in the mail 45 days after you spent the money. He even argues against them for people who pay their bill in full every time, and he's just straight up wrong about it
Dave's recommendations on credit cards are stuck in the 90s, he even cites research that was done back when we were using carbon fukn credit card imprint machines and weren't getting transaction data until your bill arrived in the mail 45 days after you spent the money. He even argues against them for people who pay their bill in full every time, and he's just straight up wrong about it
06-03-2019, 06:53 PM
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#46
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Originally Posted By CapMo⏩
Except the fact that that there is no reason to not use a credit card versus pay cash if you have the self control to not carry a balance?
Originally Posted By Destor⏩
He explains his view on credit cards and maintains them. Between convenience charges for using a card and the increased probability that you spend more money with the card VS his cash/envelope system. You really aren't getting those rewards for free.Credit cards provide small rewards and they're relative to your cash flow, so you'll never make huge $$$ on them compared to what you make overall. But they also provide protection against fraud/theft, are hugely convenient, and give you transaction data that you'll never get with cash unless you're manually tracking your expenses in a spreadsheet or something
Dave's recommendations on credit cards are stuck in the 90s, he even cites research that was done back when we were using carbon fukn credit card imprint machines and weren't getting transaction data until your bill arrived in the mail 45 days after you spent the money. He even argues against them for people who pay their bill in full every time, and he's just straight up wrong about it
Dave's recommendations on credit cards are stuck in the 90s, he even cites research that was done back when we were using carbon fukn credit card imprint machines and weren't getting transaction data until your bill arrived in the mail 45 days after you spent the money. He even argues against them for people who pay their bill in full every time, and he's just straight up wrong about it
I'm friends with someone that's pretty high up with a major retail store and their statistics show their customers spend 33% more when they use a credit card. So they really push their own store credit card on customers. Offering some pretty major perks like interest free for the first 12 months. 25% discount for members with a store card. Etc.
I personally use a card and auto-draft all my bills onto one. But I see why a lot of people are better off without them. Within a few years I'll likely only use my cards to auto-draft bills and will be cash only for everything else.
06-03-2019, 07:14 PM
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#47
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Originally Posted By Bando⏩
You're foregoing one of the three principles of wealth: LeverageI only go out to eat/drink when on vacation or when my company is paying. Even then I take a few minutes and research places that are a little more Mom&Pop with better prices and honestly, a better experience.
You do your thing, I'll do mine. You go into debt every month, I never go into debt. I don't owe anybody anything, ever, I'm happy skipping a few bucks a year to be able to say that. I LOL at guys posting on social "look at my new truck!" when in reality it's the Bank's truck and you're just paying to borrow it. Suckers.
You do your thing, I'll do mine. You go into debt every month, I never go into debt. I don't owe anybody anything, ever, I'm happy skipping a few bucks a year to be able to say that. I LOL at guys posting on social "look at my new truck!" when in reality it's the Bank's truck and you're just paying to borrow it. Suckers.
Must suck to be too simple-minded to understand principles the wealthy use to build their wealth.
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06-03-2019, 07:17 PM
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#48
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Offering perks like zero interest for a certain period after sign-up may very well be skewing numbers higher purely because people may be front-loading purchases they had planned down the road so they can take advantage of zero interest. It wouldn't entice me to spend more long term, but it might make me more inclined to buy things now that I planned to buy later. People who are financially irresponsible might actually spend more long term, and those are people who would have issues with budgeting and finances in general. Those aren't the people slamming Ramsey's view on credit cards.
Ramsey's basis for hating credit cards is founded on a 2001 study indicating that spending money on a CC is less painful than spending cash, so debit would have the same issue. But the environment was different back in 2001, and there actually was a big disconnect between what you spent on a credit card and those purchases registering in your brain. That's not the case anymore, not for anyone with the slightest hint of financial acumen
Beyond that, we're screwed if spending money digitally makes you more inclined to slip into debt because that's the way chit is heading. I handle physical money legit maybe 2x a year, 99% of my cash flow is just numbers on a screen but I'm doing just fine. And when I see my credit card bills growing beyond their normal range, I'm able to dump months worth of transaction data into a spreadsheet to trend and control spending habits
Ramsey's basis for hating credit cards is founded on a 2001 study indicating that spending money on a CC is less painful than spending cash, so debit would have the same issue. But the environment was different back in 2001, and there actually was a big disconnect between what you spent on a credit card and those purchases registering in your brain. That's not the case anymore, not for anyone with the slightest hint of financial acumen
Beyond that, we're screwed if spending money digitally makes you more inclined to slip into debt because that's the way chit is heading. I handle physical money legit maybe 2x a year, 99% of my cash flow is just numbers on a screen but I'm doing just fine. And when I see my credit card bills growing beyond their normal range, I'm able to dump months worth of transaction data into a spreadsheet to trend and control spending habits
06-03-2019, 07:17 PM
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#49
06-03-2019, 07:19 PM
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#50
06-03-2019, 07:23 PM
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#51
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Originally Posted By xpin2winx⏩
lol, Dave Ramsey is basically treating these poor saps like children, while he gets rich.You don't spend more money with a credit card if you don't spend more money.
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06-03-2019, 07:35 PM
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#52
Originally Posted By Destor⏩
What level of detail do you really need with your financial transactions? I bought a 6K DD car with cash last month and just have a bill of sale. When I grab a 4 for 4 at Wendy's I just whip out a 5 dollar bill, no need to track that.Credit cards provide small rewards and they're relative to your cash flow, so you'll never make huge $$$ on them compared to what you make overall. But they also provide protection against fraud/theft, are hugely convenient, and give you transaction data that you'll never get with cash unless you're manually tracking your expenses in a spreadsheet or something
Originally Posted By Destor⏩
Dave used to talk about "Sears is just a credit card company with some stuff out front." I thought that was interesting so wrote a paper about it, sent away to get annual reports etc. As it turned out indeed Sears was indeed making more $ from CC interest than sales. They've been running their business with a healthy slice of the bottom line as interest for over 100 years. I wrote it in a favorable light to Sears since I like them, Finance Prof. gave me like a B+ ffsDave's recommendations on credit cards are stuck in the 90s, he even cites research that was done back when we were using carbon fukn credit card imprint machines and weren't getting transaction data until your bill arrived in the mail 45 days after you spent the money. He even argues against them for people who pay their bill in full every time, and he's just straight up wrong about it
Don't put that on me Ricky Bobby, don't you ever put that on me.
06-03-2019, 07:41 PM
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#53
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Originally Posted By NextPound⏩
So you are one of the idiots who shouldn't be listened to because you are incapable of controlling yourself with money. Got it. Also just so you know for the future with your potato math 2% of $12,000 is $240. If you were smart you'd be getting minimum 2% potentially upwards of 5%. Getting 5% is now $600.I used to say the same thing.
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06-03-2019, 07:46 PM
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#54
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Originally Posted By Bando⏩
Detail within each transaction isn't required, but I want all transactions themselves tracked. Then I'll dump transaction data into excel, categorize each (ie Wendy's would just go into food unless I felt we were spending too much on eating out versus groceries), and assess against my overall budget and previous months to see if any bad trends are developing. Doing that while using cash would be tedious af and maybe not even worthwhile for personal expenses unless things were going REALLY sidewaysWhat level of detail do you really need with your financial transactions? I bought a 6K DD car with cash last month and just have a bill of sale. When I grab a 4 for 4 at Wendy's I just whip out a 5 dollar bill, no need to track that.
Dave used to talk about "Sears is just a credit card company with some stuff out front." I thought that was interesting so wrote a paper about it, sent away to get annual reports etc. As it turned out indeed Sears was indeed making more $ from CC interest than sales. They've been running their business with a healthy slice of the bottom line as interest for over 100 years. I wrote it in a favorable light to Sears since I like them, Finance Prof. gave me like a B+ ffs
Dave used to talk about "Sears is just a credit card company with some stuff out front." I thought that was interesting so wrote a paper about it, sent away to get annual reports etc. As it turned out indeed Sears was indeed making more $ from CC interest than sales. They've been running their business with a healthy slice of the bottom line as interest for over 100 years. I wrote it in a favorable light to Sears since I like them, Finance Prof. gave me like a B+ ffs
Credit cards are definitely good business. Even without thinking that people magically spend more on CCs versus cash, I imagine companies are getting other financial incentives through their branded credit cards. Interest charges come to them instead of the banks, or Visa / Mastercard etc might be waiving part of their interchange fees or something if a company throws their logo on a card
06-03-2019, 07:48 PM
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#55
Originally Posted By MyBaddBrah⏩
You should watch the episode of The Sopranos where Meadow's date pays for Tony's dinner with a credit card. Tony gets up in disgust and throws a few $50's on the table.You're foregoing one of the three principles of wealth: Leverage
Must suck to be too simple-minded to understand principles the wealthy use to build their wealth.
Must suck to be too simple-minded to understand principles the wealthy use to build their wealth.
If you're too cash poor to have a money clip full of 50's you might consider getting off your phone, finishing your shift at Subway and getting an education.
Don't put that on me Ricky Bobby, don't you ever put that on me.
06-03-2019, 08:06 PM
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#56
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It's easy to talk about leverage when you only started investing recently.
We have been in a bull market for the past decade, and leverage obviously amplifies gains in that environment. Nobody can predict the future, but plenty of smart investors are locking in gains, de-leveraging and re-balancing portfolios to less risky asset classes.
It's a question of personal risk appetite, investment horizon, current portfolio mix and stability of employment.
We have been in a bull market for the past decade, and leverage obviously amplifies gains in that environment. Nobody can predict the future, but plenty of smart investors are locking in gains, de-leveraging and re-balancing portfolios to less risky asset classes.
It's a question of personal risk appetite, investment horizon, current portfolio mix and stability of employment.
06-03-2019, 08:09 PM
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#57
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The "debt snowball" concept is flatly retarded, even for most catastrophically indebted people. You're pissing money away because of poor organization skills, and as a self-professed financial guru you'd expect Dave Ramsey to at least teach people how to prioritize debt based on the returns from paying them off. At best, the approach might "work" because it gets compulsive debtors to spell out their accounts owing and put effort in grasping how deep of a hole they dug themselves and therefore take paying debts seriously. But with a modicum of organization, high-interest debts can be parceled off in similar ways to keep the psychological incentives while using the money more productively - which for many people will be difference between being able to meet minimums + pay some of the principal or neither, without changing anything about their situation.
His whole shtick is telling people with too much debt that debt is bad, without teaching them how to use borrowing/credit to their advantage or even how debt works at a fundamental level. He might as well be your uncle telling you to cut off the avocado toasts and the iPhones to find financial freedom.
His whole shtick is telling people with too much debt that debt is bad, without teaching them how to use borrowing/credit to their advantage or even how debt works at a fundamental level. He might as well be your uncle telling you to cut off the avocado toasts and the iPhones to find financial freedom.
Originally Posted By HMFIC_BROWSIN⏩
MMM is GOAT, not just because of well-informed frugality but because he correctly understands the concept of opportunity cost and that different people have different values.His savings rate reccomendations are too low IMO.
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06-03-2019, 08:13 PM
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#58
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Originally Posted By PowerOfTruth⏩
Or for someone who is a millionaire (by telling people to pay cash for everything....)
Originally Posted By NextPound⏩
Why pay cash when you can use CC or finance at low rate?Debit cards offer same protections. Not that you need them. I think I have had one fraud in 20 years.
You spend more with credit cards. Less friction.
Poverty rewards.
He is not wrong, and I have been resisting this piece of advice for years even though I drank the kool aid and his plan took me from $200k in debt to 7 fig net worth in less than ten years.
You spend more with credit cards. Less friction.
Poverty rewards.
He is not wrong, and I have been resisting this piece of advice for years even though I drank the kool aid and his plan took me from $200k in debt to 7 fig net worth in less than ten years.
BRB paying cash for a car when you qualify for a 0% interest rate
Cash rewards wont make you rich but they provide good protections and getting something back instead of nothing is nice.
Some people just cant control themselves with spending though.
I get price match with my CC...find a lower price on an item i bought and get up to $200 back...did this with a tv when the max was $500 and got that money credited to me...plus all the smaller items.
Brb pay using CC on my electronics and i get 2 year extra warranty for free on most of the items i buy.
Brb rent a car using CC, dont have to pay for added protection since my CC will provide it for me.
Brb need a tow? My CC provided me a free tow by reimbursing me the $70.
Wont get rich from the rewards but they are nice for doing just about nothing.
n4l
Rayaarito
fappin
r32gojirra
06-03-2019, 08:51 PM
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#59
Originally Posted By VTheKing⏩
Since my Wife & I weren't CEO/10K a day miscers like you when we met, we just put our debts on the fridge, smallest to largest, and paid them off and it worked. When we got to the house payments we were laying down like $2,300 for an $830 house payment. Had to specify it was for principle of course, but $2,300+ a month on a 100K mortgage is huge and at the time I was hourly so could work OT and throw an extra $5-700 down.The "debt snowball" concept is flatly retarded, even for most catastrophically indebted people. You're pissing money away because of poor organization skills, and as a self-professed financial guru you'd expect Dave Ramsey to at least teach people how to prioritize debt based on the returns from paying them off. At best, the approach might "work" because it gets compulsive debtors to spell out their accounts owing and put effort in grasping how deep of a hole they dug themselves and therefore take paying debts seriously. But with a modicum of organization, high-interest debts can be parceled off in similar ways to keep the psychological incentives while using the money more productively - which for many people will be difference between being able to meet minimums + pay some of the principal or neither, without changing anything about their situation.
Been debt free maybe 10 years, best part is if people need some help I donate anonymously, give away well over 10% of my income. Some kids are going to camp on me this summer and a family with a disabled veteran are going to be a little better off.
Dave's final step is to give, I don't write about that to brag, but just that's it's not all about greed and wealth.
Don't put that on me Ricky Bobby, don't you ever put that on me.
06-03-2019, 08:59 PM
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#60
- VTheKing
- Allied Allies Alliance
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- VTheKing
- Allied Allies Alliance
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- Age: 34
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Originally Posted By Bando⏩
Well done brah srs. But then again, my point is that for people seriously underwater snowballing instead of attacking high-interest is the difference between meeting the payments or not. If you aren't at the point where the minimums are most if not more than your income level then technically you can go debt free by simply making the commitment to do it.Since my Wife & I weren't CEO/10K a day miscers like you when we met, we just put our debts on the fridge, smallest to largest, and paid them off and it worked. When we got to the house payments we were laying down like $2,300 for an $830 house payment. Had to specify it was for principle of course, but $2,300+ a month on a 100K mortgage is huge and at the time I was hourly so could work OT and throw an extra $5-700 down.
Been debt free maybe 10 years, best part is if people need some help I donate anonymously, give away well over 10% of my income. Some kids are going to camp on me this summer and a family with a disabled veteran are going to be a little better off.
Dave's final step is to give, I don't write about that to brag, but just that's it's not all about greed and wealth.
Been debt free maybe 10 years, best part is if people need some help I donate anonymously, give away well over 10% of my income. Some kids are going to camp on me this summer and a family with a disabled veteran are going to be a little better off.
Dave's final step is to give, I don't write about that to brag, but just that's it's not all about greed and wealth.
Go Canucks Go!
Mais notre monde érodé restera le même
Et demain toi et moi serons partis
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