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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 1633541813 03-11-2021, 06:38 PM
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#61
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Originally Posted By 5x10⏩
its financial drama, the “real housewife’s” show of finance
I never realized but I think that is definitely the reason I listen!
Live & Direct from rural Iowa- GBR
post 1633548193 03-11-2021, 08:04 PM
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Originally Posted By EDcellent⏩
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.
If you do the math, the extra monthly amount is pretty negligible vs. another 15 YEARS of payments.
Originally Posted By Jasonw1178⏩
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.
Nobodydoes this. You have the best intentions of paying extra on principle this month, then say you'll do it next month so you can go get yucky with the boys. Next month Wife wants a new couch, month after that kid needs a GI Joe with the Kung Fu Grip. Just bite the bullet and get the 15 year and listen to your realtor and banker try to talk you out of it because it's going to cost them THOUSANDS in commissions and interest.
Don't put that on me Ricky Bobby, don't you ever put that on me.
post 1633548493 03-11-2021, 08:09 PM
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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
lol 1k, you cant even get most serious car repairs done for that. wtf. and if you arent a retard you would have low credit utilization on your credit cards with way more than 1k available anyways.
post 1633548823 03-11-2021, 08:14 PM
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Feeling brave, Dave Ramsey touched my dingus on October 21st 2019. Feels good to get it off my chest. Fill me with love misc!!! Help me forget. Send me your stimulus money
post 1633551383 03-11-2021, 08:52 PM
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#65
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Originally Posted By Icepops81⏩
Feeling brave, Dave Ramsey touched my dingus on October 21st 2019. Feels good to get it off my chest. Fill me with love misc!!! Help me forget. Send me your stimulus money
Best post ITT.

only sort of kidding.....

I have 2 rental homes and my personal home, looking to pick up house #4 by the end of this year, but it's gonna be tough with prices high.

But I like Dave once every month or so to keep my head screwed on straight. I'm so tempted to buy a motorcycle, but $5000 goes a long way towards a down payment on a cash-cow rental that will be worth A LOT in year 2040
Just trying hard to not be a fat sack-o-chit.

Real Estate Crew
post 1633551593 03-11-2021, 08:55 PM
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#66
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Originally Posted By monster0ultra⏩
You're dumb as fuk. I'm not busting your balls, I'm being ded SRS. You're exactly the kind of person who should listen to everything dave ramsey.
Well I have vehicle debt, wanna move out of my current house because of my living situation and get a new house so I need to pay off my debt.

I’ve never budgeted before and I actually just got off the phone with the guy yes I’m paying someone to help me figure things out but so far he’s really opened my eyes to see the uncontrolled spending I’ve been making
No man has the right to be an amateur in the matter of physical training. It is a shame for a man to grow old without seeing the beauty and strength of which his body is capable.

-Socrates
post 1633552343 03-11-2021, 09:10 PM
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#67
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Originally Posted By Baylorballs⏩
I've taught in public schools for years. They need to adopt a 1 semester curriculum in High School to give students a crash course. If their parents are poor or terrible w/ money, it could be a game changer.

As for the lawsuit... lol. I wonder if there's any fine print with they start working for him about his standards. Would be awesome if it's justified
Why the fuk would the upper class want to indoctrinate the lower class with ideas of how to achieve social mobility. Social status is a zero sum game.
"Most people overestimate what they can do in a year, and underestimate what they can do in ten years"
post 1633552843 03-11-2021, 09:19 PM
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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.
I don't know how the hell you afford anything, tbh. I can't imagine how much money you have to blow on pet food alone every month with a dozen cats, a dog, several chickens, etc.
post 1633553023 03-11-2021, 09:24 PM
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post 1633553343 03-11-2021, 09:30 PM
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I've always been confused as to how Dave Ramsey is so popular. Hes basically a life coach who preaches basic money management habits that most people learn in high school. He doesnt understand investing in equities or capital markets, and he tries to push his boomer-religious agenda on his listeners regardless of their personal money goals. He also preys on callers in terrible financial situations (massive amounts of credit card/student debt, gambling issues, mentally affected individuals etc) and uses them to generate attention for his show.

According to what dave preaches, most people in 3rd world countries are financially "successful". They dont have credit cards, no student debt, and manage to save a little of money. Its proof that Dave's concepts of financial stability are completely outdated and the only people who enjoy his show are financial simpletons or weak minded individuals with no self discipline who cant control their spending.
post 1633553473 03-11-2021, 09:32 PM
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Originally Posted By Atlastrength⏩
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.
I don’t disagree, I’ve listened to Ramsey, read MMM and some other blogs. Take some pieces leave others


That said, absolutely no one gets wealthy in real estate without leverage lol

No one
post 1633578183 03-12-2021, 08:13 AM
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Originally Posted By Blazenwave⏩
Why the fuk would the upper class want to indoctrinate the lower class with ideas of how to achieve social mobility. Social status is a zero sum game.
not sure if SRS.

But i've always loved the quote:

"A fool and their money are quickly parted"

it's been true for 100's of years.
Just trying hard to not be a fat sack-o-chit.

Real Estate Crew
post 1633578743 03-12-2021, 08:22 AM
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#73
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Originally Posted By meanstringbean⏩
That said, absolutely no one gets wealthy in real estate without leverage lol

No one
Why not?
How to lose fat for Noobs: http://forum.obnoxiousbrutes.com/showthread.php?t=129247741
post 1633578893 03-12-2021, 08:25 AM
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I like Dave. Yes his advice is not perfect but he's a great stepping stone towards financial literacy.

Hogan sucks, as do the rest of his "personalities"

I stopped listening to his podcast when he started having them on for every show.
MFC OG crew
2008 Join date crew
post 1633578953 03-12-2021, 08:26 AM
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Originally Posted By wave_length⏩
Why not?
Save enough money to buy a rental property outright and let me know how that works for ya. That on top of paying off your own house, paying money to retirement, and other life expenses. 500k and 30 years later congrats you’re finally able to get into real estate!!!!
post 1633580903 03-12-2021, 08:59 AM
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Originally Posted By meanstringbean⏩
Save enough money to buy a rental property outright and let me know how that works for ya. That on top of paying off your own house, paying money to retirement, and other life expenses. 500k and 30 years later congrats you’re finally able to get into real estate!!!!
Sure, leverage means more profit means more risk. Depends on where you start and how you define wealth.
How to lose fat for Noobs: http://forum.obnoxiousbrutes.com/showthread.php?t=129247741
post 1633583503 03-12-2021, 09:42 AM
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Ah yes, the quarterly thread of $100000 net worth miscers bagging on billionaire Dave Ramsey who went broke and built it back from nothing. His advice isn't wrong, it simply doesn't have risk involved. If you follow his steps you will 100% be successful and financially independent by retirement. Now, you can increase the risk tolerance and do something else, but don't be surprised when it hits the fan. This is like a bunch of sub 1000lb total having first year lifters hating on a top level powerlifter because he pedals chicken and rice 5x a day. Yeah it's simple and there are better ways, but guess what...it's works 100% across all demographics.

Also Christy wright with her raspy voice gets me diamond hard.
**Florida Crew**
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post 1633584293 03-12-2021, 09:52 AM
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Originally Posted By wave_length⏩
Sure, leverage means more profit means more risk. Depends on where you start and how you define wealth.
There really isn’t much risk lol

You’re cash flowing month to month. Most risk comes from banking solely on appreciation.


In fact you’re diversified a bit with other properties. Save for cash then half your net worth is literally in one house
post 1633584603 03-12-2021, 09:57 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
How many bills for loans you got in your mail box right now?

It seems pretty obvious that Dave is making steps to get his family and other people to take over the show for him but it won't survive without him. Dave is a good combo of coming across as nice, caring person, while at the same time telling you that you've fuked up. I originally started listening in 2008 when he was the only show on at 6am on the Saturday drive into work, that was the golden age of financial talk radio. I just hope Dave is still around with Joe Biden gives us the next economic collapse, it could be just as good as 2008.
post 1633584663 03-12-2021, 09:58 AM
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I was wondering what happened to Chris Hogan as he hasn't been on the show for a while. That being said, I agree with OP that as Dave releases his grip from the show and replaces it with Ramsey personalities, the quality of the show for me is falling. I also find myself changing the podcast if he isn't on.

Not a huge fan of Dr. John
I'm okay with Anthony but I don't think he can carry the show like Dave does
Christy's a MILF
would smash Dave's daughter with the power of 1000 christian virgins
post 1633584693 03-12-2021, 09:58 AM
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Originally Posted By naich⏩
Ah yes, the quarterly thread of $100000 net worth miscers bagging on billionaire Dave Ramsey who went broke and built it back from nothing. His advice isn't wrong, it simply doesn't have risk involved. If you follow his steps you will 100% be successful and financially independent by retirement. Now, you can increase the risk tolerance and do something else, but don't be surprised when it hits the fan. This is like a bunch of sub 1000lb total having first year lifters hating on a top level powerlifter because he pedals chicken and rice 5x a day. Yeah it's simple and there are better ways, but guess what...it's works 100% across all demographics.

Also Christy wright with her raspy voice gets me diamond hard.
Yea that’s the right take. The Ramsey way is basically as close as it gets to GUARANTEED retiring as a millionaire for middle America. A teacher can marry a firefighter, or a social worker/accountant, or a retail store manager/nurse, etc whatever can follow his plan at the start of their careers and end up either millionaires or multi millionaires with a paid off house by retirement. There are zero shortcuts his way though that’s for sure



A lot of Ramsey haters are just coping for their bad financial habits. Guarantee you the majority of people who say “lol 30 yr mortgage > 15 yr, ever head of opportunity cost of investing???” just blow that money on dumb **** and end up house poor
post 1633584753 03-12-2021, 09:59 AM
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Rachel Cruze crew checkin in






Best thing Dave ever produced nahm sayin
post 1633585003 03-12-2021, 10:02 AM
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Originally Posted By MetroBrah⏩
Rachel Cruze crew checkin in






Best thing Dave ever produced nahm sayin
yes but unfortunately she would produce a baldcel son....and is that really anything you want to bring on a child?
post 1633585403 03-12-2021, 10:07 AM
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#84
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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.
Bro I'm being ded srs when I say you are the exact type of person who needs to use the Dave Ramsey method. This isn't because your a retard but because you are impulsive as fuk and need a strict method to keep your retarded spending choices to an absolute minimum
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post 1633585583 03-12-2021, 10:10 AM
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Originally Posted By lucairv⏩
I've always been confused as to how Dave Ramsey is so popular. Hes basically a life coach who preaches basic money management habits that most people learn in high school. He doesnt understand investing in equities or capital markets, and he tries to push his boomer-religious agenda on his listeners regardless of their personal money goals. He also preys on callers in terrible financial situations (massive amounts of credit card/student debt, gambling issues, mentally affected individuals etc) and uses them to generate attention for his show.

According to what dave preaches, most people in 3rd world countries are financially "successful". They dont have credit cards, no student debt, and manage to save a little of money. Its proof that Dave's concepts of financial stability are completely outdated and the only people who enjoy his show are financial simpletons or weak minded individuals with no self discipline who cant control their spending.
This is where you're wrong chief...
6'2"

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post 1633585903 03-12-2021, 10:15 AM
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Originally Posted By lucairv⏩
I've always been confused as to how Dave Ramsey is so popular. Hes basically a life coach who preaches basic money management habits that most people learn in high school. He doesnt understand investing in equities or capital markets, and he tries to push his boomer-religious agenda on his listeners regardless of their personal money goals. He also preys on callers in terrible financial situations (massive amounts of credit card/student debt, gambling issues, mentally affected individuals etc) and uses them to generate attention for his show.

According to what dave preaches, most people in 3rd world countries are financially "successful". They dont have credit cards, no student debt, and manage to save a little of money. Its proof that Dave's concepts of financial stability are completely outdated and the only people who enjoy his show are financial simpletons or weak minded individuals with no self discipline who cant control their spending.
lol if you think high schoolers learn to manage money or anything about basic debt, interest management or even basic budgeting.
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post 1633643043 03-12-2021, 10:12 PM
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Originally Posted By meanstringbean⏩
There really isn’t much risk lol

You’re cash flowing month to month. Most risk comes from banking solely on appreciation.

In fact you’re diversified a bit with other properties. Save for cash then half your net worth is literally in one house
Right now in my state landlords can't evict tenants for non payment due to Corona. That just got extended for another 3 months. A lot of tenants just choose not to pay since they can't get evicted. When they get their stimmies you think they're paying off back rent or getting a big screen lol.

"isn't much risk" SMH
Originally Posted By IAMBEE⏩
I originally started listening in 2008 when he was the only show on at 6am on the Saturday drive into work, that was the golden age of financial talk radio. I just hope Dave is still around with Joe Biden gives us the next economic collapse, it could be just as good as 2008.
I started listening in 1996 when it was "The Money Game" with Roy Matlock. I still get a little tingle in my spine when he tells someone "listen, you can't borrow your way out of debt." Heard him say it a thousand times over these last 25 years.
Don't put that on me Ricky Bobby, don't you ever put that on me.
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