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Forum » Dave Ramsey being sued for firing employees that had pre-marital sex
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Thread: Dave Ramsey being sued for firing employees that had pre-marital sex

post 1633478933 03-10-2021, 11:36 PM
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#31
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Originally Posted By Mercworx⏩
The principal of being debt free is 100% correct. His advice for a 1k emergency fund is retarded.

His advice is for the financial equivalent of alcoholics
He is full of all kinds of **** and really shouldn't be taken seriously by anybody unless they are in an epic debt hole (and financially retarded).

Brb don't invest in crypto and precious metals

Brb stock market gets an average of 12% return (lol)

Brb tells 20 year olds go pay off low 2% interest debt rather than invest in a high 6-7% interest vehicle like stocks.

Brb covers up infidelity for 3 years for books sales



Just lol
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post 1633479053 03-10-2021, 11:39 PM
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no hymen, no hiring
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post 1633480043 03-11-2021, 12:05 AM
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I don’t see the appeal
generational wealth >

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post 1633480113 03-11-2021, 12:08 AM
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based
post 1633480123 03-11-2021, 12:08 AM
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Originally Posted By moneymaxxer⏩
I don’t see the appeal
lmao nice username, Dan Bilzerian
post 1633480163 03-11-2021, 12:09 AM
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Alpha male.
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post 1633480623 03-11-2021, 12:22 AM
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Originally Posted By Mercworx⏩
The principal of being debt free is 100% correct. His advice for a 1k emergency fund is retarded.

His advice is for the financial equivalent of alcoholics
Well the people he helps are usually absoloute morons
post 1633480823 03-11-2021, 12:28 AM
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#38
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Listen. I'm literally financially fukkin retarded. In the last month I've spent $3300 on a gun and $400 on ammo to shoot orange clay disks for fun.

That said, none of his advice makes sense even for someone as rational as me. It's legit for people struggling to spend less than they make every single month.
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post 1633481183 03-11-2021, 12:41 AM
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#39
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He knows a lot about getting people from broke to non-broke. He knows zip about investing beyond that.

And he clearly doesn't understand the concept of baby steps vs. milestones.
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post 1633481203 03-11-2021, 12:41 AM
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#40
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Originally Posted By LinuxJon⏩
Listen. I'm literally financially fukkin retarded. In the last month I've spent $3300 on a gun and $400 on ammo to shoot orange clay disks for fun.

That said, none of his advice makes sense even for someone as rational as me. It's legit for people struggling to spend less than they make every single month.
To be fair firearms and ammo are a damn good investment right now
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post 1633489613 03-11-2021, 06:42 AM
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Originally Posted By LinuxJon⏩
Listen. I'm literally financially fukkin retarded. In the last month I've spent $3300 on a gun and $400 on ammo to shoot orange clay disks for fun.

That said, none of his advice makes sense even for someone as rational as me. It's legit for people struggling to spend less than they make every single month.
“Someone as rational as me”



https://forum.obnoxiousbrutes.com/showt...7706851&page=5



“Leasing a car is equal to buying used”


Just lol
post 1633490943 03-11-2021, 07:11 AM
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#42
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Originally Posted By Bando⏩
it’s annoying to talk to his 80 IQ disciples.

- “you’re using leverage to buy real estate?? What??”
- “you didn’t pay all cash on a no interest car payment???”
- “don’t take the 401k match til you’re debt freeee”


That said, he’s right in that usually behavior wins over numbers with finance
Those are his positions? Lol
post 1633491063 03-11-2021, 07:13 AM
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#43
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I actually looked at his website and hired a financial advisor to help me get my finances straight. I’ve got a really good impression so far and they’ve been helpful in getting me to start budgeting my money.
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post 1633491693 03-11-2021, 07:24 AM
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Every one of the "personalities" are fake AF. When the format changed to Dave and a "personality" hosting the show, the quality went down hill. While I'm sure the contracts gives Dave the power to fire people for these things, seems very sketchy as to why it took years for Dave to fire that phat phuk.
post 1633491843 03-11-2021, 07:26 AM
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#45
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Originally Posted By wave_length⏩
He knows a lot about getting people from broke to non-broke. He knows zip about investing beyond that.

And he clearly doesn't understand the concept of baby steps vs. milestones.
Yep. He's an idiot when it comes to investments. Or he's just lying.

He says that high-fee advisors are better than standard index funds. He's 100% wrong about that, but he gets paid by said advisors to promote them
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post 1633492883 03-11-2021, 07:42 AM
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#46
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Originally Posted By mp83⏩
Yep. He's an idiot when it comes to investments. Or he's just lying.

He says that high-fee advisors are better than standard index funds. He's 100% wrong about that, but he gets paid by said advisors to promote them
The mutual funds return 12% and you can use an 8% withdraw rate in retirement and be ok are both completely bogus and dangerous assumptions.

Dave is good finance 101 for the average joe and gets people to think about money differently. It's common sense to really anyone educated, but i actually know people who get a credit card and treat it like additional income.

Oh yea, Dave is also wrong on credit cards. My last 3 vacations were all abroad to exotic locations - all paid completely by credit card points
post 1633496783 03-11-2021, 08:38 AM
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#47
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Lulz good. Chris Hogan was a fuking imbecile. You could tell all he did was memorize daves talking points are puke them out in a robotic way to each caller. I mostly listen to ramsey for the idiot callers who have a 12 IQ level. I agree with his debt advice but his investing and savings advice is fuking retarded. Imagine keeping 20k in a bank account earning .0001% interest. Better advice would be to invest your emergency fund into a fund like SCHD that holds nothing but dividend aristocrats that way the money grows over time and you also yield a few percent. Sitting on cash is horrible advice unless you are saving it for a bear market.
This fool's running a Honda 2000
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post 1633497343 03-11-2021, 08:48 AM
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Originally Posted By DizzySmalls⏩
Those are his positions? Lol
those are not accurate
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post 1633498083 03-11-2021, 08:57 AM
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#49
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Originally Posted By Jms89⏩
Lulz good. Chris Hogan was a fuking imbecile. You could tell all he did was memorize daves talking points are puke them out in a robotic way to each caller. I mostly listen to ramsey for the idiot callers who have a 12 IQ level. I agree with his debt advice but his investing and savings advice is fuking retarded. Imagine keeping 20k in a bank account earning .0001% interest. Better advice would be to invest your emergency fund into a fund like SCHD that holds nothing but dividend aristocrats that way the money grows over time and you also yield a few percent. Sitting on cash is horrible advice unless you are saving it for a bear market.
Lol Hogan just sounds like a dude that was built to go on stage and peddle financial advice to broke idiots and boomers. He has no authenticity about him at all, listening to him rabble about Dave’s baby steps for every situation gets old fast


Definitely worth it for the callers though

BRB 80k student debt
BRB didn’t even finish college
BRB early 30s making 30k in retail
BRB just bought a new car too

Lol enjoy living on beans and rice while delivering pizzas 6 nights a week after your day job for the next 10 years like an absolute peasant just to get to 45 and still broke
post 1633498443 03-11-2021, 09:02 AM
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#50
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Originally Posted By meanstringbean⏩
Lol Hogan just sounds like a dude that was built to go on stage and peddle financial advice to broke idiots and boomers. He has no authenticity about him at all, listening to him rabble about Dave’s baby steps for every situation gets old fast


Definitely worth it for the callers though

BRB 80k student debt
BRB didn’t even finish college
BRB early 30s making 30k in retail
BRB just bought a new car too

Lol enjoy living on beans and rice while delivering pizzas 6 nights a week after your day job for the next 10 years like an absolute peasant just to get to 45 and still broke
I feel bad about their predicament and don't relish in it, but it is helpful to remember when contemplating my own peasantry. If it wasn't for them I'd feel a lot worse about it
post 1633498693 03-11-2021, 09:05 AM
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Originally Posted By DizzySmalls⏩
I feel bad about their predicament and don't relish in it, but it is helpful to remember when contemplating my own peasantry. If it wasn't for them I'd feel a lot worse about it
Oh yea just makes you more appreciative , since anything is broke compared to CEO 10k a day miscers
post 1633498883 03-11-2021, 09:07 AM
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#52
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Originally Posted By wave_length⏩
He knows zip about investing beyond that.
His company is worth half a billy. What's yours worth?
Originally Posted By meanstringbean⏩
Oh yea, Dave is also wrong on credit cards. My last 3 vacations were all abroad to exotic locations - all paid completely by credit card points
Put his advice in context Warren Buffet. His brand is geared towards people that need serious financial help and are deeply in debt

No one every claimed he was writing the book on how to be a hedge fund billionaire
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post 1633499033 03-11-2021, 09:09 AM
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I'm 100% convinced 95% of people listen to dave ramsey just to feel superior and mock idiots who go 80% DTI while not realizing they can never pay that off without living in a 50s trailer home.
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post 1633499293 03-11-2021, 09:13 AM
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Wood have premarital sex with.

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post 1633499333 03-11-2021, 09:13 AM
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Originally Posted By arn710⏩
His company is worth half a billy. What's yours worth?



Put his advice in context Warren Buffet. His brand is geared towards people that need serious financial help and are deeply in debt

No one every claimed he was writing the book on how to be a hedge fund billionaire
True but he doesn’t customize the advice at all depending on situations. Which to be fair is so his audience doesn’t get the message confused.

But “I never heard of a millionaire who got rich on credit card rewards” is just intentionally faulty logic. Guarantee you 99% of millionaires have credit cards
post 1633499483 03-11-2021, 09:14 AM
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Originally Posted By rectifryer⏩
I'm 100% convinced 95% of people listen to dave ramsey just to feel superior and mock idiots who go 80% DTI while not realizing they can never pay that off without living in a 50s trailer home.
its financial drama, the “real housewife’s” show of finance
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post 1633537783 03-11-2021, 05:27 PM
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#57
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Originally Posted By meanstringbean⏩
True but he doesn’t customize the advice at all depending on situations. Which to be fair is so his audience doesn’t get the message confused.

But “I never heard of a millionaire who got rich on credit card rewards” is just intentionally faulty logic. Guarantee you 99% of millionaires have credit cards
Kevin O'Leary preaches similar things to Dave. No debt, pay in cash, and diversify.

Dave is just very set in one way and his way works. It's the average Joe that is broke looking to pay off debt, then live frugally until they retire.

My investment strategy looks nothing like Dave's, but I used his debt snowball as a basic guide to pay off my debt quick. I always love how people say he's for low IQ retards, yet all my friends are in a load of student loan debt, car debt, and mortgage debt and barely saving anything. I paid off all my debt in about of year of sacrifice and then now I am good.

You can always take a little bit everyone and apply to yourself. Ego is a helluva drug.
post 1633539763 03-11-2021, 06:02 PM
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#58
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I agree with people about Dave helping people out of debt. His advice helped me out of mine.

However I still have a credit card, and I agree with investing or moving money to make more that can yield better results than paying off low interest debt.

I personally think his 15yr mortgage idea is a little out of touch for the average couple, but I'm shooting for a 20 year loan on my own.
post 1633540203 03-11-2021, 06:08 PM
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Listen to Chris hogan 3 times a week


Fuarkkk


That pucci got him too
post 1633541563 03-11-2021, 06:34 PM
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Originally Posted By EDcellent⏩
I agree with people about Dave helping people out of debt. His advice helped me out of mine.

However I still have a credit card, and I agree with investing or moving money to make more that can yield better results than paying off low interest debt.

I personally think his 15yr mortgage idea is a little out of touch for the average couple, but I'm shooting for a 20 year loan on my own.
We always have these *******s that come on and talk about taking out loans against their homes, or even renting so they can invest in the stock market because they argue they have all these gains that makes it worth it. Of course, they are all ballin aren't they? Of course, they love to brag about gains, but those who lose just kind of keep quiet about it. You don't brag about the ass beating you got when you got into a fight.

Having credit cards helps build your credit and they benefit you as long as you don't carry a balance.

Take out a 30yr mortgage and just pay it off quicker. Having the lower minimal payment can really help if you fall into bad times.
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