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Forum » Picture of your average dave ramseycel's house [pic]
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Thread: Picture of your average dave ramseycel's house [pic]

post 1646695023 09-09-2021, 12:44 PM
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#31
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Myron hard!
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post 1646695233 09-09-2021, 12:48 PM
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#32
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Never heard of the guy, had to youtube his name.

I will check some of his YT vids tomorrow whilst pretending to "work"
Cook the man some eggs!
post 1646695613 09-09-2021, 12:58 PM
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#33
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Why does everything have to be so black & white.

Dave Ramsay is giving advice to AVERAGE Americans.

This means ~$60k total household income, living paycheck to paycheck, financing cars, living on credit cards, very little (if any) savings, etc.

So, the advice of, reducing unnecessary expenses, saving money where possible (I'm a millionaire and get my groceries at food outlet stores), DO NOT, DO NOT, DO NOT finance expensive new cars over 6-7 years, contribute to your 401k / Roth IRA, only go to college for a professional degree which requires college, do everything possible to avoid student loan debt. This is rock solid advice for AVERAGE Americans.....because average people are stupid and lack impulse control, you have to break it down for them and these rules are a fantastic start to avoiding most of the pitfalls average Americans fall into - the worst is probably the cars they can't afford and the "need" to keep up with the Joneses.

The most controversial thing he says is probably the credit cards. But again, you need to remember Dave Ramsay is speaking to average financially illiterate people - the average person literally has no idea what they spend their money on, they can't track it, they don't understand interest rates, they don't understand the long term cost of carrying credit card balance, etc. So the advice of paying off the cards, and then cutting them up is fantastic for these people. Why? Because these people are financially illiterate, the only way to control their spending is to have them physically pay cash / debit as they go. It forces them to only buy things they currently have the money for, it helps them avoid the huge 20-30% interest payments they end up paying on all sorts of junk. The 1-2% cash back or "bonus" from using credit cards is completely lost of them, these are the people who FUND the credit card companies, these are the people who allow ME to get money back, miles, perks for using a credit card because I'm not a financial potato.

TLDR: Average people are stupid, and that's who Dave Ramsay is talking to.
post 1646695703 09-09-2021, 01:01 PM
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#34
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How much debt do you have Op?
Dallas Cowboys

Lifted for 30 years

Ass > tits
No Debt Crew
post 1646695843 09-09-2021, 01:04 PM
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#35
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Originally Posted By TokenV⏩
wtf is a Dave Ramsey?
He’s a teacher for folks without any common sense.
I loe e.
post 1646696123 09-09-2021, 01:08 PM
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#36
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Originally Posted By Redfish225⏩
He’s a teacher for folks without any common sense.
Which, to be fair, is a ton of people.
post 1646696633 09-09-2021, 01:16 PM
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#37
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Originally Posted By GainzMcgee⏩
Yea do as I say not as I do, you are just kinda proving my point.
His net worth is around $200 million. I don't think he would advise anyone worth $200 million that they could only buy a corolla. I'd bet he'd live by his own rules if he were suddenly for some reason making $40k/year and had no savings.

I personally don't follow his financial philosophies other than not financing things for the most part. His advice is made for people who can't survive financially because they have no financial management skills at all.
post 1646696823 09-09-2021, 01:20 PM
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#38
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Originally Posted By helpmee⏩
Dave is right in his teaching for the average person to become a millionaire by retirement
Do not go into debt
Get married before having a child
10% downpayment on a house
25% of income on home
15 year fixed
Do not finance or lease cars
Max out retirement

If you follow that you will make it

Simple stuff

Not saying that is how you make the most money or end up with the most
It is just the safest way to get to that point

For every person who leveraged debt and made it you have multiple who did not

(I do not follow Dave ... I have credit cards I PIF, but no debt or auto loans)
I imagine that’s 25% of income after tax.

Id agree that’s the ideal, but I’m not sure how realistic that is with a 15 year mortgage, unless there was a substantial down payment.
post 1646696883 09-09-2021, 01:20 PM
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#39
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Originally Posted By arn710⏩
Better than being in debt up to your eyeballs
If taking debt wasn't the most efficient way of doing business, the most educated people in business wouldn't be advising S&P 500 companies to use it.

Ramsey has created a "debt-free" cult who will yield inferior results, and has gotten rich off of it.
*Hole is Life Crew*
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post 1646697333 09-09-2021, 01:27 PM
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#40
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Originally Posted By GainzMcgee⏩
Yea do as I say not as I do, you are just kinda proving my point.
Nah, the ridiculous thing is he making enough money to live in a place like that from simply giving very common sense advice to plebs...unless he additional ways that he's making money - I don't know.
post 1646697343 09-09-2021, 01:27 PM
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#41
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Originally Posted By MyBaddBrah⏩
If taking debt wasn't the most efficient way of doing business, the most educated people in business wouldn't be advising S&P 500 companies to use it.

Ramsey has created a "debt-free" cult who will yield inferior results, and has gotten rich off of it.
Dave isn't selling his programs to S&P 500 companies. He's selling it to financially illiterate people that need help getting out of debt.

His results and the results of his clients speak for themselves.
Training log: http://forum.obnoxiousbrutes.com/showthread.php?t=165829701
post 1646697423 09-09-2021, 01:29 PM
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#42
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Originally Posted By hendrixfreak70⏩
Which, to be fair, is a ton of people.
Too many.
I loe e.
post 1646697663 09-09-2021, 01:33 PM
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#43
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Originally Posted By Redfish225⏩
Too many.
On spread but can confirm. I am one lul. I don't actually follow the guy, but I think he has a fair point in a lot of what he says. I believe in minimizing debt too.
post 1646698053 09-09-2021, 01:39 PM
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#44
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Originally Posted By arn710⏩
Dave isn't selling his programs to S&P 500 companies. He's selling it to financially illiterate people that need help getting out of debt.

His results and the results of his clients speak for themselves.
Who comes out ahead, people who use debt and invest the money, or people who pour all their money into paying off their debt?
*Hole is Life Crew*
*Meditation Crew*
post 1646698313 09-09-2021, 01:43 PM
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#45
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Originally Posted By hendrixfreak70⏩
On spread but can confirm. I am one lul. I don't actually follow the guy, but I think he has a fair point in a lot of what he says. I believe in minimizing debt too.
Credit is a scam, lol. I have about 9 cards with a zero balance. The only debt I have is a truck payment for two more years and my mortgage. After that it’s straight cash homie.
I loe e.
post 1646698353 09-09-2021, 01:44 PM
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#46
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Originally Posted By MyBaddBrah⏩
Who comes out ahead, people who use debt and invest the money, or people who pour all their money into paying off their debt?
I'm not engaging in your intentionally vague scenarios

How many people have you helped become debt free and retire millionaires with the MyBaddBrah system?
Training log: http://forum.obnoxiousbrutes.com/showthread.php?t=165829701
post 1646698833 09-09-2021, 01:51 PM
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#47
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Originally Posted By MuscleXtreme⏩
I imagine that’s 25% of income after tax.

Id agree that’s the ideal, but I’m not sure how realistic that is with a 15 year mortgage, unless there was a substantial down payment.
half of the **** isnt realistic and its living in a fantasy world

its also great for people who want to waste their youth driving beaters living the safe life, only to finally get to enjoy life at 50 when no one cares what they drive or where they go and by then their back hurts when they go on vacations and they can only handle so much in a day without needing a nap.

Just lol at not living it up while you are young.

(also i max out my retirement plus its matched so im not stupid)
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post 1646699113 09-09-2021, 01:54 PM
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#48
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Originally Posted By arn710⏩
I'm not engaging in your intentionally vague scenarios

You're not engaging for damn good reason. You're smart enough not to. Ramsey is a grifter.
*Hole is Life Crew*
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post 1646699593 09-09-2021, 02:01 PM
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#49
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Originally Posted By MyBaddBrah⏩
You're not engaging for damn good reason. You're smart enough not to.
I'm not great with finances. Fully willing to admit that. That's why I'm not bashing Ramsey's extremely successful system.

I'll ask again, how many people have you helped become debt free and retire millionaires with the MyBaddBrah system?

If you'd like to compare net worth and/or income, we can do that too since you're practically Warren Buffet
Training log: http://forum.obnoxiousbrutes.com/showthread.php?t=165829701
post 1646701253 09-09-2021, 02:22 PM
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#50
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I've been listening to Dave for that past 30 years, and it is mostly just common sense application to having a better life when you're older.

When you get into your 40's & 50's, you'll be glad you followed his guidance.
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post 1646703733 09-09-2021, 02:58 PM
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#51
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Originally Posted By keyboardworkout⏩
Wood cut up my credit cards with

Gummy smile of peace
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post 1646704163 09-09-2021, 03:03 PM
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#52
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Ramseycels out and mad! you phaggotswill never know the feel of putting a 3 night stay in vegas on your credit card and paying it off next month LMFAOOOO
post 1646706043 09-09-2021, 03:26 PM
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#53
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Originally Posted By MyBaddBrah⏩
If taking debt wasn't the most efficient way of doing business, the most educated people in business wouldn't be advising S&P 500 companies to use it.

Ramsey has created a "debt-free" cult who will yield inferior results, and has gotten rich off of it.
How is racking up credit card debt good for people?
post 1646707113 09-09-2021, 03:39 PM
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#54
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Originally Posted By jlsnyderTypeR⏩
I've been listening to Dave for that past 30 years, and it is mostly just common sense application to having a better life when you're older.

When you get into your 40's & 50's, you'll be glad you followed his guidance.
This. His advice is geared mostly to people who are bad at finances and have amassed a ton of debt. It's a plan to break bad financial habits and get out of debt as fast as possible and then to set yourself up so you never go into debt again...
^^Former 300+lb Crew^^

WWPB2D

Nothing worthwile is ever easy.

The beatings will continue until morale improves.
post 1646707543 09-09-2021, 03:44 PM
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#55
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Originally Posted By TokenV⏩
wtf is a Dave Ramsey?
hes that angry guy from those reality cooking shows
post 1646707603 09-09-2021, 03:44 PM
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#56
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Originally Posted By MuscleXtreme⏩
How is racking up credit card debt good for people?
In the cult of Ramsey, not only CC debt is demonized. Car loans, and also mortgages are demonized.
*Hole is Life Crew*
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post 1646708023 09-09-2021, 03:48 PM
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#57
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lol'd Dave Ramsey has good advice and does have a group of people he can help but BEYOND those people he is a TOTAL retard.
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post 1646709573 09-09-2021, 04:04 PM
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#58
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srs question in what world does your body implode at 40/50/60 like all the potatoz in this thread keep claiming it will? clint eastwood still making movies well into his 90s, roe jogan will live to be 160 years with his infra red saunas and dmt, yall trippin, we on a bb forum, if you take your multi say your prayers and do your calisthenics youll be gucci into old age.
post 1646710973 09-09-2021, 04:25 PM
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#59
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how do you have 2.2 million subs from telling people to pay off debt? i'm so confused, who doesn't understand this? wtf am i missing?
GAINS, GAINS, More GAINS
post 1646711863 09-09-2021, 04:39 PM
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#60
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Originally Posted By ontclone⏩
how do you have 2.2 million subs from telling people to pay off debt? i'm so confused, who doesn't understand this?
its like that show till debt do us part

its literally the most basic concept of budgeting. you only make bout 3,500/mth so you should spend less then bout 3,500 a month. JUST LOL

how do normies not even understand this ****??
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