2/ yep, Dave Ramsay success stories can be a bit ... uh ... hard to apply to one's own circumstances! :) HOWEVER, attitude he teaches, of hard work, hustling, side work, and low or zero debt helps increase the chances of those sorts of lighting strikeshttps://twitter.com/coinaday1/status/1254872324488249345 …
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3/ I think there's a lot to this. Like, for some people, the message "this { your debt / your weight / your alcohol use ) is under YOUR CONTROL" is a shock. Couple that with "and these are your first three steps" and ... man, that's magic. https://twitter.com/sonyasupposedly/status/1254877336756908034 …
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You're right about his advice. Works every time...
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I don’t get the beef people have with Ramsey. Is it that he acknowledges that money problems are not just a math issue but one of emotions too?
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Sometimes the simplest advice is the best for a vast majority of people. And for others, best to think of it as laying a strong foundation. No one jumps to Clean and Jerk when taking up weight lifting.
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And he's not attempting a large-scale grift, unlike so many 'financial gurus' of the modern era. I found some of his audiobooks in my library's streaming catalog, so I have given Ramsey pretty much $0 for the good advice he's imparted.
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You can take the proven, reliable and v. boring advice from Ramsey, who at least tries to break it into achievable chunks and talk in accessible terms... or you can listen to the youtuber with slick production values who also tries to get you to invest in a crypto ponzi.
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I definitely appreciate him for giving solid fundamentals. I also find it amusing how often the success stories involve "and then I went from making 30k a year to 300k a year" as part of it, but that's life too: an element of luck and huge jump was a major factor for me too.
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Also the people who were bringing in $185k, spending $210k, and needed a radio dude to tell them they could scraaaape by on $120k--if they tried real hard like a gazelle.
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