It's time for Dave Ramsey to retire. (and Why I stopped following him.)

[@BudgetGirl]

Tell me your thoughts on Dave Ramsey controversies, plans and more. Bonus points if you do so civilly!

[@Alys3]

Money gurus, I have two.. Your videos were the first ones that helped me to get started on saving seriously! I had never heard any one talking about sinking funds for different things and it made so much sense to me! So once I was already on track with my savings a friend told me about a great Australian podcast/Facebook community called “She’s on the money” which I love as some of the topics are more relevant to me being Australian, but listeners also get to hear lots of other people’s money stories and celebrate other people’s money wins in the community too :) I only heard of Dave through your videos, but never followed his plan as I don’t have debt (except for HECS which is the government loan for tertiary education in Australia - not so urgent to pay back it works differently). They way he is speaking to people in those clips is disgusting and I can’t imagine why anyone would continue to support him after that!

[@DavidRamseyIII]

@@Alys3 because Dave and his show has helped millions of people and made an impact these tiny KZbin channels can’t even imagine

[@FindMeOnABeach]

You are SPOT ON!!! I have been feeling the exact same as you. I think as the years have gone by, Dave has shifted from "tough love" to a crass bully. And common sense tells you that what worked in 1980 is not what works in 2021. The world has changed. The economy has changed. You don't need a credit score?!? Not in 2021. You cant even rent an apartment without one. His ELPs are a RIP off. And manual underwriting?? Give me a break. Paying for everything with cash? Then your purse gets robbed and your $$ is gone, leaving you SOL. What does still ring true are the overriding principles: * Get and stay out of debt * Have savings set aside for bad times * Invest now for retirement down the road And Dave Ramsey did not invent these concepts. He has just used them for 30 years to build an empire of money and contempt and a rabid cult following. Time to move on, Dave.

[@averageperson2659]

Most of his show is about people who have $300K+ in debt. (Not the viewers but the callers he talks to) so the advice he gives is not one size fits all.

[@ameliaamelia4798]

Agree with all of your points. I find his ‘advice’ which he pushes is really just his own personal outdated opinions. His info is based on his 1970’s days and not relevant to how the finance world really is today. Also, never a fan of his methods and communication style. He has always been overrated in my opinion.

[@got2beejn]

No matter which 'guru' you follow, you are the one doing the work and deserve all the credit in the end... not the 'money guru'.

[@BudgetGirl]

hard agree!

[@BookishScribe]

My money guru is Gail Vaz-Oxlade. I learned so much watching ‘Till Debt Do Us Part and I still go back and rewatch episodes when I need a little motivation or reminder. She recommends doing a 3-6 month spending analysis when setting up your budget and let me tell you, that was eye opening! She also has great advice for women which is sometimes difficult to find.

[@shorebaby8959]

Yes, she is the best.

[@lindabart2262]

I love her advice too. I am going back to review her tv show. I was sad when she stopped making, till debt do us part.

[@AMurphySharp]

Truth! She is realistic

[@katherinemcmahon924]

Love her ! But I don’t always like how she speaks to people like daveramsey does.

[@anyat686]

Me too. She’s fabulous. Where’s she gone ?

[@NektonicNick]

Step 0: Contribute up to the match in your 401k Step 1: Save 3 month in expenses Step 2: Pay off debt in what ever order works for you. Step 3: Increase savings to 6 months Step 4: Max out Roth IRA, increase 401k contributions. Step 5: Set other financial goals and work towards them.

[@Oglulubell]

I wish I took the time to understand Roth IRA’s. I remember when they first rolled out and I was already maxing out my 401k so just kept plugging along. I only now just realized to max out my HSA and invest it in an index fund (Vanguard) in hopes or retiring a little early.

[@susanlange5003]

I have on addition to step four: if you qualify for an HSA because you have a high deductible on your health insurance max that out before a Roth IRA because not only do you not have to pay taxes before or after you also don’t have to pay any capital gains if you trade stocks in it.

[@Oglulubell]

@@susanlange5003 about 5 years ago my job sent a general email saying we could now do this. I was like invest my HSA? Nah, that’s for the higher ups making big salaries. I think they should have done a better job explaining the benefit. I only just realized cause I’m within 10 years to retire and have been researching. I just changed my contributions, whatever I have when I retire will help offset my medical coverage.

[@annielin2894]

Dramatic Reading I am truly one of those person who had really strange situation growing up here in USA. So I email to Dave Ramsey but I don't think they seem to understand my situation. But to get back what you say about 401K not many people can get a job that has 401K ... so just to let you know. There are really lot of poor and low income people out there. I hope you understand...

[@trudymorgan7456]

Step zero is not going to keep you from getting evicted.

[@nanettemorton4054]

One of the calls I saw that really turned me off was from a young man who had a $200,000 debt coming out of med school. Dave's attitude was like, "well you shouldn't have gone if you couldn't afford it." NO ONE can afford medical school without loans unless they're the child of extremely wealthy parents. Dave crossed his arms, and basically refused to discuss the young man's problem. There was a distinct lack of compassion there. From the sound of his voice the young man may have been a person of colour. I'm guessing that he was trying to do everything right -- get an education and move into the professional world. I don't throw the term "racism" around lightly, but there was a distinct lack of compassion in Dave's approach to the call. Poor people, black and white and brown, are not "stupid." They're not "idiots." Financially, they're coming from a different starting point, and they have a right to dignity and self-worth. Your worth as a person shouldn't depend on your financial situation.

[@kimberlyland]

This was a very gentle observation and comment to suggest the man in question on the call was a brown skinned man. As a brown skin woman, I appreciate this approach. 👍🏽👍🏽I also appreciate the review of Ramsey in general. I don’t follow him but I like watching money management videos

[@sherrypoole4430]

How can you tell by someone's voice they are of color?

[@nanettemorton4054]

@@sherrypoole4430 I said he possibly might be because of his accent (possibly Detroit?) and the timbre of his voice. I use the word "possibly " because, obviously, I couldn't be certain. I am a person of colour, and, although I don't have the same accent, my cousins do. They will slip back and forth, using a less formal voice at home, and a more formal one on the job.

[@4knewt505]

Reluctantly I agree. I heard him completely change his tone and use slang that he didn't use with other callers. It was embarrassing. And yes, you can tell the race of a person by the voice, not always, but it happens. And even if you can't, he certainly tried to. I was embarrassed for him.

[@alinatamashevich3354]

@@nanettemorton4054 Also known as code switching.

[@ashleyfizer7493]

I used to casually listen to Dave’s radio show but stopped a few years ago when I stopped my daily commute (and went to teleworking). I happened upon his channel the other day and I was shocked at how political and hateful his show had become. Dave and the other gentleman host were throwing mean jabs at every caller - it was almost a game between the two of them to see who had the meanest comment. There are too many people (such as Budget Girl) who share their financial knowledge with kindness and tact, and I’m happy to give them my time and energy.

[@debbyelkins4240]

I absolutely agree Ashley. I used to listen to Dave and used his base principles toward working my way out of debt. But his radio and TV comments had left a bad taste in my mouth a few months ago. Then when the federal case came out against him and the firing of a pregnant woman simply because she was not married was the last straw for me. The world needs kindness. Not more shame. I did find Budget Girl through her debt free scream so that’s a good thing. 😊❤️

[@brittanythomas8006]

I thought the same thing! Followed him years and years ago. Been debt free for about 3 years and fell off watching the show. Clicked recently and he’s a grump now 😬. Sad.

[@aiyamusicchannel]

So much yes to all of his comment!!!!

[@oxford14]

The last Administration made certain types of people think belittling and mocking is not just acceptable but something to emulate.

[@alinatamashevich3354]

Ashley, do you need a blanket and some crayons 'cause some mean old man was trying to help get someone out if debt? Glad those unicorns farting rainbows are way nicer to you.

[@lucy14981]

I'm tired of older folks using their age as an excuse not to grow and change....and we are 68 and 70.

[@josephinebournes8212]

At 40 years old, I'm so over Boomers. Had I listened to Boomer relatives and so-called mentors, I would've never accomplished many of my life's goals. Boomers believe in one straight path while Millenials and Gen Z fundamentally understand that there are multiple paths to success.

[@alady09]

@@josephinebournes8212 I think a lot of my mistakes have been by trying to replicate successes boomers in my life have built on, or half-stepping between my dream and the boomer vision of success. I have to accept it. The world has changed and I need to evaluate more closely which advice to take when.

[@waterheaterservices]

@@josephinebournes8212 At 62 I AM LEARNING FROM SOME ONE 32.

[@alinatamashevich3354]

@@josephinebournes8212 Which most of them fail to work and actually cause more issues than they solve. But good luck with that!

[@AbroadonaBudget]

I was devoted to Ramsey for two years and only had the 1K emergency fund. I got laid off and was unemployed for six months the month after my last consumer debt was paid. It was devastating to get right back to where I started. I decided to prioritise a full year emergency fund- I hit that right when covid started, and it gave me the security to prioritise my health and refuse to go in to work during covid. Having that fu money was life changing and afforded me the privilege of a stress free experience working from home during the pandemic. I have been meaning to make a whole video about how his refusal to advocate for health insurance reform, considering medical debt is a top reason for bankrupting Americans...

[@uzeela]

Thank you! You are so right!

[@nanettemorton4054]

Make that video. Americans may not deserve a holiday cruise, but they do deserve basic Healthcare.

[@LindaASJ]

My husband and I had 24 months saved and we were able to both stay home the entire pandemic. I worked from home until October until my employer said I had to go back into work and I said no, actually I don’t and I retired. Best decision ever

[@AbroadonaBudget]

@@LindaASJ having the financial security to say NO is a whole other type of peace. I am so glad you and your husband had that!

[@jasonfbaker]

Well said! Medical care needs reformed.

[@healthyfitfun]

I got over him in 2020. His advice helped me and hindered me. His encouragement to overwork yourself burned me out and I ended up having to dip into my emergency fund to take a break. I needed to move to a new area and do a lot of self care for mental health but prioritized paying off debts that I could’ve ignored vs taking care of my immediate needs. I also couldn’t move without a decent credit score so his advice that credit scores don’t matter is ridiculous.

[@jlogan2228]

Daves advice is only good on the surface but its also horribly outdated and grueling. His advice on having multiple.jobs sounds reasonable til you realize you basically will be working round the clock and since they are part time income the payoffs will be minimal to the time invested so y oull basically be working an extra 20-30 hours a week for maybe 500 extra a month which really is not going to do too much else than burn you out. The smarter thing to do is cut what expenses you can pay off what major monthly bills you can (screw the snowball go after the big monthly expenses bc the extra 20 bucks a mo th you save is nothing) so if you pay off your car you are now 400 or more a month richer and can start attacking other debt or start going to school to get a better job that pays more

[@CroisMoi]

I love Dave. I stopped watching due to all the new presenters. They have little life experience and I don’t think they contribute much. I do agree with you about the emergency fund. I feel better with more money in the bank.

[@salty_peg]

Instead of finding you through Dave, I found Dave through you! One of the first episodes that I saw, a man with a disabled wife called in. Dave said since his wife couldn't get onto disability, she should be working. He acted like she wasn't disabled because of it. It took me 3-5 years to get on disability. My disability did not start when I was awarded disability payments, it started when I developed a debilitating condition. And his advice to force her back to work could actually HARM her disability case and make it so that it takes even longer for her to receive the financial help she and her family desperately need. That was the last episode that I watched.

[@melissaandreag]

Ugh I agree with all of this. Additionally, it really struck a chord in a bad way when the female employee who’d got pregnant out of wedlock was fired, but Chris Hogan was kept on after admitting he was having and affair and Dave was bad-mouthing Chris’s wife who was being cheated on. Seems like such a double standard. (Chris is no longer with Ramsey solutions ultimately.)

[@starfishcoffee8933]

You said all of this like a real class act. I actually wondered a few times how you felt about him now because you seem like such a nice, intelligent person that I wondered if you still followed someone who has become such an angry extremist. I felt so proud of you watching this, because it shows true independent thinking and strength, which is SOOO refreshing in a time when too many people stay loyal to someone forever, even if that person has repeatedly become mean, extreme in a negative way, or uses bullying as a way to try to make themselves appear somehow stronger. I’m really more grateful than ever for genuine, decent, bright people these days. Thank You!!!

[@alinatamashevich3354]

Angry extremist, No hate here.

[@DavidRamseyIII]

Calling for someone to resign the job they love is not classy

[@alinatamashevich3354]

@@DavidRamseyIII Unfortunately, things happen. Winners learn from their mistakes, losers blame people for their mistakes. Winners come back stronger, losers disappear into the footnotes of history.

[@meemee5660]

@@DavidRamseyIII - Just because you love a job doesn't mean that you are still effective at doing it. Wise people evaluate their life and know that it's best to quit/resign before you are no longer as effective as you once were.

[@teedee15]

@@alinatamashevich3354 Kinda like Rush Limbaugh and Donald Trump? In 10 years, THEY will be footnotes...For the record, there are famous people in the world whose teachers thought they would never amount to anything, and yet, their names are known, but their teachers are not...Doesn't make them losers if they can prove the naysayers wrong...Then again, doesn't make them losers PERIOD...

[@CathysCashCoin]

I completely agree with everything you said! Financial journey is a personal journey and I don’t think there’s a ‘one size fits all’ for it. For me as a single mom with three kids $1000 is no where near enough for emergencies! Great video!

[@frogmoonmama]

Agree!"

[@vickieclark5931]

I agree. As someone without kids, 1,000 is not enough. But if you have kids, one little scrape or scratch will kill that 1,000. It just not enough this time and age.

[@kristinesharp6286]

It used to be enough. It is also obtainable in a relatively short amount of time to get to 1K. For someone with nothing 1K is a big deal.

[@PrepperPrincess]

100% agree with all your alterations to his plan. I followed Dave Ramsey’s method with every exception you mentioned.

[@moxiebbwnc]

'Dems high praises coming from you. It took me a while, but thanks to folks Budget Girl and you, I can go into my later years far better off.

[@MJ_Solo]

Fancy seeing you here princess! 😘

[@kaiwryn]

@@MJ_Solo Right? Love it.

[@sugarplum316]

Listened to him for YEARS on the radio up until about 2 years ago. Just didn’t feel right anymore and it was so hurtful to hear him call callers idiots and losers. Callers calling in desperate for financial advice with emotional stories of personal and financial loss only to end the call with a “stay on the line and we’ll get you a free copy of my book”. Barf!!!!!! Thanks for shedding light on some important facts about him. He definitely needs to retire and most importantly get over himself!

[@aiyamusicchannel]

YES!!!!

[@rachelfrombefore]

I agree with you 100% and I’m so glad you made this video. I also started my debt free journey using his methods but I never stopped using my credit. I also saved a 3 month emergency fund as my step one because everyone except Dave knows that $1k is nothing. Now I’m debt free with an 802 credit score and am in the process of buying a home. When Dave started really showing his butt during covid I said yep. Time to go. His method is outdated, impractical for most, and he’s got some issues in his character tbh.

[@BudgetGirl]

my aunt says that "showing his butt" phrase and seeing someone else use it made me smile :-)

[@nelliedean7088]

DRamsey advised a pregnant lady to get a second job when she was already working forty hours per week and was exhausted. That’s asking for health problems and anyone who has been pregnant would know this. When the lady said she did not feel she could do this he disagreed. I was just so shocked.

[@Cecibug1]

I worked literally 70 hours a week at 2 jobs with my first pregnancy all the way up to full term. You do what you have to. I know each pregnancy is different. I had a C-section and went back to work after 2 weeks, although my doctor said to wait 6 weeks. Women in poor country's go back to work as soon as 5 days. Although that's doesn't make it right. You do what you have to do.

[@omowhanre]

@@Cecibug1 wow! I'm so sorry for you and even more sorry that you think that is normal. You should be on your knees everyday thanking God that you and your baby were healthy enough for you to do that.

[@omowhanre]

@Fatima

[@moxiebbwnc]

I heard that and was floored. The other host with him disagreed (gently)

[@Cecibug1]

@@omowhanre I'm not sorry for myself at all. And I didn't say it was normal.

[@nanettemorton4054]

I took Gail Vaz Oxlade's advice rather than Dave Ramsey's and I'm very glad that I did. She advised putting away a little bit for savings even while paying off loans. I kept saving, even after I met the $1000 mark. The $1,000 emergency fund is too small, so adding to it regularly, even if it's only $25 a week, is a better idea. Plus , by neglecting to put away a few dollars for retirement, people are leaving money on the table in the form of matching programs and tax write offs. Put money into retirement savings, even if you are only starting with $50 .Plus, as a Canadian, I believe basic health care should be a right. You may not deserve a cruise, but you do deserve a doctor's visit.

[@shorebaby8959]

Yes, basic healthcare should be a right. Something Ramsey and his alcolyte fail to address.

[@KenRobertson]

If a person was on his plan during the pandemic, that means those individuals only had 1000 in the bank. This also means if they lost their income, that person only had 1000 in the bank. Which means Dave was wrong to criticize someone who was following his plan with only 1000 in the bank. The stimulus helped those people who followed his plan

[@alinatamashevich3354]

Ken, exactly where were these people supposed to get say 5000? Did you forget, most of them are broke? Again, if they had 5K or more in the bank, why do they need Dave's advise.

[@KenRobertson]

@@alinatamashevich3354 there are hundreds of people with more than 5k in the bank who listen to Dave. But I'm not if we are talking about the same thing. My point was Dave Ramsey should not be critical of people who follow his plan and according to his plan all you need is a $1000 in your savings account. The pandemic exposed that, because a lot of people of all income levels lost their jobs

[@alinatamashevich3354]

@@KenRobertson So, Dave criticized someone who was following his plan? Please provide that link. You misunderstood my point.

[@Sylvia-cx3gh]

Dave advises to start with 1000 in the bank but he says, maybe in step 3 or 4 to fully fund the emergency fund with at least 3 to 6 months of income. IMHO, it’s a good idea to go even further if you can. I think the pandemic taught us that it wouldn’t hurt to even have a years worth of emergency money.

[@frothybeaver4869]

All the stimulus did was steal wealth from future generations and the unborn while we increased the money supply by 40% out of thin air. The lockdowns and government mandates should have never happened in my opinion.

[@krisonline9011]

Prior to Dave Ramsey, I followed Larry Burkett with Christian Financial Concepts and later worked for him in Dahlonega, GA then Gainesville, GA. He was careful with his words and stood on scripture. I miss Larry. Both men are night and day. I preferred Larry Burkett.

[@deedeesmith3073]

Yes about Larry Burkett and my church at the time had a class surrounding his financial concepts based on the Bible . It was great ! I believe it was called crown financial ministries

[@karavanderwiel3549]

Larry Burkett was who helped me through our debt free journey years ago. I miss him!

[@detroitwillwinsuperbowl59]

I love Larry Burkett and Ron Blue.

[@jazziered142]

@@normabrammer9100 No... No we don't. There is nothing wrong with "other types". WTF??? I don't need meanness in my life, but hey, you do you!!!

[@nanettemorton4054]

@@normabrammer9100 kindness is an overlooked strength.

[@meganklockmann7290]

Found your channel through Kate Kaden's channel and I agree 110% with you regarding Dave Ramsey. His plan is a good start to tackling finances but you have to adapt it to your own needs. I'm currently at Step 2 but I also contribute to my 401k by putting in what my employer matches

[@endobyotic]

Dave was my "gateway drug" to FI, but as soon as I found a whole community that was better aligned with my core beliefs, I stopped following him too.

[@byenineto5226]

This is exactly where I’m at right now!

[@rowddyone3570]

I like his daughter better as a teacher, and I also liked Chris Hogan, it's just the way they talk to people, teach, and encourage. I don't know about you all but I don't respond well if I'm getting yelled at.

[@teetrav]

I heard Chris Hogan got fired or left. Go search the video where Chris says he is no longer with the Ramsey show and tells people they wont be hearing from him anymore. Yikes.

[@ayela562]

Chris Hogan violated his morality clause in his Ramsey contract by having multiple affairs. Ramsey team knew of these affairs and while it wasn’t public knowledge he was making them enough money to keep him. Hogans ex wife started to tell everyone about the multiple affairs and it became public .. that is when Ramsey got rid of him .

[@teetrav]

@@ayela562 wow!

[@alinatamashevich3354]

The US Marine Corp would beg to differ.

[@aliciag9365]

Part of the reason DR fired Chris Hogan was to cover himself legally because a female got fired for violating the morality clause and she was citing discrimination for not firing all employees who were known violators.

[@sharonhelleman7378]

My previous church was lead by a narcissist. There are frightening similarities btw him and Dave Ramsey. Both have a tendency to be rude, belittling and, ultimately abusive. Both are convinced that their approaches are the only paths worth pursuing. Both have built up teams where people get spit out, betrayed and confused. Both have a large amount of people excusing bad behaviour due to the "good coming out" of these places. And both are unwilling to give up power when it is clear that their time is over. I have been concerned about the abusive tone and arrogant approach w Dave Ramsey for a very long time. After the trauma with my previous church, I am very uncomfortable with any signs of toxic cultures. Thank you Sarah for being brave enough to shine a light on some of these concerns.

[@kelsterooni]

As someone who grew up with a narcissistic mom, I agree with you. I’ve questioned Dave’s character a lot. It’s my way or the highway is toxic and triggering and then gaslighting someone for not being obedient aka listening

[@colleenwood8220]

We must’ve attend the same church.

[@alicephillips841]

Well said, Sarah. I've been following you for about 8 months and have been very impressed with the information you present and with how gutsy you are in embracing life, money and joy. I'm a 77 year old retiree, so much of my asset building time is behind me, but I'm doing fine financially. I have enough to live on and to help others. Sure wish today's financial education resources were available to me back in the day when I found myself divorced with a four-year-old son to raise and educate. You've made some great decisions in your life and I know your future will be bright. Thank you.

[@kikihammond5326]

I can't stand his "rants", I personally think many times they are abusive. He lost me when he was praising Rush Limbaugh, and going on about how people who lost their jobs in the pandemic didn't deserve federal unemployment (why exactly do we pay taxes and require employers to pay for unemployment if not for this exact reason?) Then when Chris Hogan's wife came out about how Dave and team tried to force her to not divorce her cheating husband. Yuck. Any employer trying to control their employees personal live.s has a real problem. This is wrong on so many levels. Stopped following him about 2 years ago. You nailed it.

[@jlogan2228]

He legit lives in his own little bubble so far removed from the same hardships he once faced. I feel like he doesnt undersatnd alot has changed since he went through his struggle period and much of his advice is outdated or nust flat out bad now

[@deb9806]

I don't like his politics at all. I don't like him pushing them. Rachel tries to have him stop but he will torch her is a half joking way, "you are disowned" type of stuff. I can't imagine living under his thumb at home and then at work. Maybe Daniel will be better.

[@amyks5004]

I have learned a lot from Dave. I always knew that Dave's political beliefs were different than mine and that was fine. Once the pandemic started, however, I quickly was turned off by his attitudes surrounding Covid. People tune in to listen to financial advice, not to be told how they are stupid for wearing a mask. He claims he is a good Christian, but all he does is make fun of people that don't have the same beliefs as he does.

[@onpointconsulting5104]

So true

[@diavolorosa]

yep. I like his financial advice but he's not that great of a guy. I just listened to him go on a five minute Rush Limbaugh style frothing rant then start quoting his scripture of the week. lol no thanks

[@missmaryjanegreen]

When anyone says, “I’m a Christian” RUN

[@yvonnelee4385]

But he was right. You covid fear mongers were wrong about pretty much all of it 😂

[@yvonnelee4385]

@@missmaryjanegreen do you say the same thing about Muslims and Jews or just Christians? What if they’re Latino and they believe in jesucristo?

[@MarinaLKitchen]

Thank you for this! We definitely did a modified version of Dave’s plan. We still took advantage of our employers 401k match, had more than $1000 in savings and we still use credit cards, we pay them off every month and use the points to buy fun things. If you are a responsible credit card user I don’t think credit cards are that bad. And yeah! A credit score is definitely important if you’re not a fancy millionaire, even apartments will check your credit. We still were able to pay off over $80k in debt in 3 years.

[@kimbailey1754]

New subscriber! I’ve followed you before, but moved away from following debt and finance channels a few years ago after some frustration and exhaustion with the community. We became debt free following the Ramsey plan. But we made some differing choices during the process. We maintained more than $1000 in savings, we used our credit card during the process but always stayed in our budget and paid it off, and most of all we continued to put money in our retirement savings because we couldn’t get our heads around leaving the employer match on the table. At its heart, Ramsey promotes avoiding debt and having a budget. I believe in these basics of this personal finance advice. But his character has me turned off at this point. I feel like his “tough love” approach is actually just judgmental and nasty now. I can no longer support him as a person and I agree that there are holes in his plan. I’m resubbing to you because you’re refreshing, straightforward, honest, and empathetic. Thank you for this video. If the debt free community is like you now, since I walked away, maybe it’s worth coming back to for inspiration and advice.

[@michellez2018]

Car insurance is massively affected by credit score. Thanks for this video!

[@PeterHGiftos]

Watched this video a couple of times now and find your points to be valid. I also followed Dave Ramsey to get my finances in line. I quickly realized that I needed to pay off the high interest credit cards first and negotiated lower interest rates on a couple of them. The highest interest one, Discover, that would not negotiate I converted to a personal loan saving 14% on interest. I also use and pay off a credit card monthly to keep my credit score at an excellent status. Also, I maintained my contribution to my employer's 401k to obtain the match. Enjoy your video's and look forward to future ones.

[@bestimw]

I appreciate that you took great care in writing this and clearly and calmly presenting your arguments. I agree with all of your points. If anyone disagrees I think it will be from an emotional rather than a rational place.

[@LisaVanGemert]

I disagreed rationally. It's not really fair to say that anyone who disagrees isn't thinking. That's pretty narrow-minded.

[@larrymorrow9373]

That's not true. We have been financially charged for the positive. Money in the bank and investments don't lie.

[@larrymorrow9373]

Wrong.

[@alinatamashevich3354]

@@larrymorrow9373 What does that even mean? Sounds like another youtube guru talking

[@Truenorth747]

Dave went off the deep end politically. I have listened to him for over a decade and he was never this polarized. He has swallowed right wing propaganda hook, line and sinker. He was quoting Rosa Parks the other day which made me sick. And that, after ranting against " socialist school propaganda curriculum". He has lost his marbles. Most of his financial advice is solid, some is outdated but his latest rants are just distasteful. And his " Ramsey personalities" are all showing multiple signs of a toxic work environment. He should get out while he is ahead. And I say this with respect to his advice, which has helped me, but it's advice I have gotten from other financial advisors as well. I still think paying off the mortgage early is a solid advice. That money ,invested, is way better than being used for a mortgage.Other than that, I agree with this video. And stay out of debt, folks.

[@rachaelcwillcutyou]

I didn't follow his plan, but I used to watch his youtube show when I was working on paying down my debt. I stopped listening to him when I realized that he was hypocritical, misogynistic, and homophobic. He never says it outright in his shows, but you see it in his actions and how he treats his employees. He allegedly fired a woman that was pregnant for not being married. Allegedly when Chris Hogan's wife came forward and told Ramsey that Chris had committed adultery they didn't fire him. He was about to go on a book tour and make him money, so of course he wouldn't let him go. I find it interesting that he says that he follows christian beliefs and expects his employees to follow them, but that rule is only for women, not men. Not to mention how hysterical it is that he is saying that we shouldn't have gotten the stimulus, but it's okay for him to take our Tennessee tax payer money to fund expanding his building. It's really ridiculous, our state is having to raise taxes just to make our budget for the year. He doesn't believe in welfare for people, but corporate welfare is a-okay!

[@granitemoss1451]

Oh MY, I never heard about all that as I indeed stopped following/listening to them, but what a mess, and how hypocritical. Really disappointing and makes me glad I pulled away from his channel.

[@melissaandreag]

100% this! I mentioned the same thing in my comment!

[@TessianLeakDesigns]

Wheee you just gave me an entire ear full!!! I did not know all that!!! Wow! I’m speechless.

[@Yzabell0M]

@@granitemoss1451 Check out Savy writes books, she has great videos on those topics

[@ludmillabogucharska3182]

Actually, he defended a woman in one video posted 2 days ago, and got completely walloped in the comments for this. He has a strong following of Bible lovers who think that a wife should be like a servant or something, with no rights whatsoever

[@Vdrumtips1]

Another one that casem to mind: He always advices to buy a house or pay off the mortgage, but is against remote work. So he is one of the employers who expects flexibility but tells you to invest in a house that makes you less flexible for employers like him who want you to go to an office.

[@jlogan2228]

I saw someone do the math once about how if you invest the same amount of paying off your mortgage early over 10 years vs a 30 years the difference is at the end of the 30 year mortgage you now have 1.2 million or more in investments vs just a paid off home in 10 years and nothing but the money in your bank account.

[@brittg.3033]

Totally agree! As you said, I credit Dave with introducing me to money mgmt and getting out of debt quickly, but beyond that I thought it best to customize the rest of my journey. Even while getting out of debt, I started with the snowball method for momentum, but as time went on I switched to the avalanche because I had learned discipline by then and saved me money in the end. I stopped following him because he's so far removed from everyday reality that his way of thinking doesn't resonate with me. Thanks for this video!!

[@HeatherB81]

I am just dumbfounded at everything I have learned in the past hour. I am currently watching your video, and also read some articles online. I was especially surprised at Chris Hogans wife’s statements about how she was treated by Dave and Ramsey Solutions 😳😳😳 Like, what?! It makes me kinda sad! Who can we trust anymore? Why are most highly influential/successful businesses (and individuals) corrupt in one way or another? Almost makes me want to cry! Anyways, thank you for making this video ❤️

[@middlechamber3574]

Trust yourself...

[@mariamacdougal1786]

David and his team fail to address the structures and systems that keep the poor poor. It's not always the result of choices. That, coupled with out of date financial and morality policies make him frankly dangerous in this space.

[@abowling5759]

Yeah, he conveniently leaves THAT part out.

[@trudymorgan7456]

Keep the poor poor? His plan is for people who have no savings and no buffer.

[@ashleym5967]

Keeps the poor poor? What structure is that? I understand some people grow up with more opportunities than others, but we are so blessed we live in a country where hard work pays off. No, it’s not always easy, but it is possible.

[@marabookstagram]

Right? Personal responsibility can only take someone so far if they struggle to make enough money.

[@donaldlyons17]

Most poor people I know do not have specialist skills or specialist certifications that are marketable. If employers can't make money off someone soon they tend to not want to employee them at all!!! I don't know how people who only have a highschool education get better jobs without advancement stating with lower wages jobs. Problem is that with skills required for the jobs you start almost twice as high. My only suggestion is that us working poor should live under our incomes which means we can not buy everything (no car, no insurance Health ins etc, no living alone, no kids) I got lucky and ended up with my first 20k after 5 years but had I had bought everything I would not be at 39k now for sure (after a certain point math matters too much). Your quote: (David and his team fail to address the structures and systems that keep the poor poor. It's not always the result of choices. That, coupled with out of date financial and morality policies make him frankly dangerous in this space.)

[@Cecibug1]

People have different opinions, and that's fine lol. I like Dave, and his podcast is motivational. I don't follow his plan but I like to take and use what I want.

[@quuqeemonster]

Me too

[@patriciashayes5929]

Dave's plan is great for 20-somethings who have no idea how they achieved multiple small-ish debts. Paying off several credit cards (generally everyone's highest interest rate) smallest to largest gives quick victories that teach and encourage good financial habits. After those first few victories, it's a lot smarter to pay high interest accounts first. And nobody (especially those over 30) who is not in immediate danger of homelessness should stop their company's retirement match.

[@jjbrandstein4614]

I knew very little about Dave Ramsey's methods before seeing this video (believe it or not, LOL). But I was stunned to hear that he advises people to pass up on the retirement match. It's usually a pretty small % that you have to put in, pre-tax making it have even less impact, to qualify for the match (as you said, unless that small amount is standing between someone and homelessness). Good point about the applicability at different times in life.

[@jacquelinebilello8906]

I have been listening to Dave for years and found you through him. But man am I FLOORED at how much truth you just told - and in such an elegant way. Thank you for saying personal finance is personal.. because it is! I am done with feeling guilt for not following Dave’s plan 100%. I’m going to start spending more time and energy consuming your content since it’s so encouraging and kind. That’s what everyone needs 💜 thank you for making this video it has helped me so much.

[@carolschristiancottage42477]

Financial Plans just like Food Plans (diets) should be specific to the individual. There is no "one size fits all" when it comes to Finances or Food. The $1,000 Emergency Fund is a good start but falls far short of what I would need in a crisis. I agree with all of the points you made about the 30-year old financial plan. It really does need to be brought current. I also believe in using a credit card. I have a Mastercard that pays cashback and it earns me a little bit but every little bit counts. I also would rather use a credit card than a debit card. I don't use anything connected to my bank account. That makes me, personally, very uncomfortable.

[@tduck828]

Yes!!

[@alinatamashevich3354]

@@tduck828 NO!

[@jlogan2228]

Dave is a typical boomer whos advice is stuck in the past and the reason he talks so much trash to callers these days is bc they point out how he is out of touch and he cant stand it. Like you could do so much good teaching people how to responsibly use credit cards to boost your score and earn points and reward but hed rather say cut em up rewards and points are for suckers we have the research that says you pay more when you use a card than cash even though plenty of people are like I only use my card for gas groceries and bills

[@umbreon4369]

I had been wondering that your recents thoughts on Dave was after the COVID controversy. I’m glad that we both have the same thoughts about him. I was an avid Dave follower from 2015-2018. I discovered your channel & GazelleIntents (for the OG people) in the beginning of it. Eventually things happened in my life and I drifted away from his videos. At the time the only thing I disagreed on with him was BS1. However, after learning about the Debt Avalanche & CC rewards for just putting your utilities on the card, I realized there were flaws and before you knew it I quit following his technique. My auto insurance even went down about 10% because I had good credit compared to lacking credit. His recent behavior made me glad I stopped listening to him. I lost one family member to COVID & another almost passed while being in ICU. I’ve also realized that his “tough love” wasn’t tough love, but a condescending and disrespectful attitude. He completely talks down on people who call in and have just one slightly different opinion, as if he hasn’t filed bankruptcy himself before. He also tried playing the “cancel culture can’t stop me” card when allegations started last year.

[@deeinkc]

Dave's response and actions with Covid are what pushed me over the edge. SOOOOOOO irresponsible. You would think he'd err on the side of caution when people's health and lives are at stake. I've long been turned off by his bullying and insulting communication style. I like your idea of Rachel Cruze taking over. The company needs a massive overhaul in culture. The reports about the work culture and sexist policies are crazy and I'd NEVER work for a company like that! So I agree with you! He needs to retire (and also rethink his interpretation of Christianity in his spare time)!

[@jordanwilliams9300]

This!

[@madnessofmymind]

🤣

[@jasonfbaker]

I understand his company hosted a large party right at the start of covid, per news report last year. Won’t reference it now, but that bold move to put his guests and works if the event at risk was a poor leadership choice in my book.

[@emiliabolsas]

Rachel looked visibly uncomfortable when she was co-hosting with him at the height of the pandemic.

[@alinatamashevich3354]

Poor sweet baby, you need a hug?

[@kodomotachi1]

Disclosure: I have never been in the extremely vulnerable situation of great debt. As a European, we rarely get into it that badly. I am therefore expressing opinions from a potentially very divergent perspective. Also, we have a generally sarcastic humour, thus we take things said a bit differently. Thus, I may not really understand the situation like you (or tdo. DR is very open about his agenda, opinion, and manner of expression. He is also very clear about the proselytising nature of his enterprise, closely linked to his ultra-conservative Baptist beliefs. He sees what he does as a religious calling. It is from that standpoint that he is not going to fully step down. Expecting him to act as though it were a simple business concept misses that point, since he's never meant it to be one. I find his ideas interesting, despite agreeing with NONE of his views other than the importance of perseverance, the need for financial responsibility, the promotion of financial education from early on, and the danger of debt. At the same time, I find myself quite unaffected by his acerbic character. I know people get insulted, but they are the ones calling in. They know what he is like. If they are sensitive that way (I am not, for example), then they can find many other alternative experts. People like yourself, who is very gentle. I imagine that it is the desperation of debt that makes an individual completely rely on someone else's opinion on their worth and skills. A guru is only a guru if others hold them there. I do listen to DR, but it doesn't mean I have to take him (or anyone) as infallible. Like you say, each person has to have their own mind, compass, and awareness of their situation. If they fall under the influence of a guru (whatever the type), they need other kinds of support. Then again, this is just my opinion. Thank you for being always open to thinking and discussion.

[@JK-Visions]

I have to agree as a fellow European. Some provokative therapy is needed to have people snap out of their situation which can be really nasty.

[@courtneydykes434]

Wow! I love your perspective (as an American)!

[@Mindyourbusiness82]

I began my financial journey with Dave Ramsey and appreciate the 7 Baby Steps greatly. However, I stopped listening to him more than a year ago (pre-pandemic) because I knew what his answer to questions would be before he answered and because he often came across as "holier-than-thou" the way he called people names and greatly downplayed systemic issues. Now, sometimes people DO need to be called out because they're living in "La-La Land" but they don't need to be denigrated, called stupid or yelled at. I could no longer ignore the fact that the way he but said systemic racism, classism, gender inequality, etc, played no role in how much wealth a person has. Those are very real factors in millions of peoples lives and yelling at someone to just get a second job delivering pizzas and pay off debt, isn't the best way to handle them either.

[@well.loved.notebook]

He’s out of touch and as far as I know has never delivered a pizza in his life. 🙄

[@alinatamashevich3354]

Dr. Ben Carson (raised by a single mom in Detroit. Married to the same woman since 1975) and Oprah Winfrey (Overweight, black woman in the racist south as a news reporter) has entered the chat. Say that again please, the part about racism and gender inequity, I will wait.

[@georgesimon1760]

@@alinatamashevich3354 That's 2 people. And Ben Carson is every bit as much of a dinosaur as Ramsey is.

[@dkay4304]

Getting in debt is their own fault not that schools teach this ...not all people but alot of people buy, buy and buy more junk they don't need or to look good for others they don't even know other than at a stop light or the mall. They just blame others for being lazy....stop playing the victim roll and fix your junk..people who complain are people who don't want to live on a budget or work more to get rid of debt...

[@truecrimelover2022]

@@dkay4304 a lot of people are only in debt for things like student loans or medical emergencies yes you are still responsible for the debt but many people in debt didn't do anything wrong

[@MrTofu13]

We use Dave's 7 baby steps as a guide. We tailored it to what's applicable to our situation. We paid $74,000 in 14 months. Our house will be paid in 10 months. Dave gave us a blueprint to follow.

[@alinatamashevich3354]

And in turn you will become very wealthy. The math does not lie

[@NDE-SDJ]

Hey BG, great video. Very well thought out, and gentle on delivery. We need more people like you in the financial space and I am glad you are here. I had somewhat of a disillusionment with Dave when I read some of the reviews of his company on GlassDoor. Some great people with love in their heart for the mission of getting people out of debt left the company because they felt like the company didn't practice what it preached in books like Entreleadership. They didn't feel safe during Covid. They felt abandoned. And they felt like the company policies were tools to fire people they had problems with. In areas like personal finance and leadership I think it's important to be a student of many views and to consider different approaches for each situation. While I think the DR plan can be a great starting place for people with no discipline or who in general struggle with finances, it shouldn't be the end. We should keep growing and adapting new, sound, and wise practices. Thanks again for the video.

[@relaxbydiamond]

I'm grateful for Dave Ramsey. He was the first stepping stone on my financial journey. And I think a lot of the callers on his show do need tough love lol. But I also think that his plan is elementary and most people who want to learn more and grow their finances more have to graduate from him and move on to more complicated and strategic financial moves. Also he himself did not get to a $250MM net worth by spending less, saving more, and investing 15% into retirement. He rarely talks about starting your own business and growing streams of passive income. His own advice is not sufficient for him.

[@jazziered142]

There is tough love, and then there's just mean. Calling people stupid and idiots is just mean. I mean, talk about kicking a dog while it's down. You could say instead: There are smarter ways to do things than what you are currently doing. How about that?

[@noelle7287]

I was a Dave Ramsey follower too. He motivated me to start paying off debt more intentionally and I am now debt free. I stopped following him recently. He treats his employees badly and I feel like he is too harsh with people sometimes. You can tell his co-host are shocked but can't speak up for fear of being fired. I feel like the company would be much more successful with Rachel as a CEO. She has more compassion and is more in tune with regular folks.

[@TerraAcox]

He's also said that his kids won't get anything as far as an inheritance unless they follow his rules. Which, fair enough, but it just means that Rachel won't deviate too much even if she does take over.

[@vickieclark5931]

@@TerraAcox Rachel will continue Dave's plan. She stands 100% by it, which is fine. But she will do it in a much nicer way without calling everybody a moron.

[@SarahS-lf4pt]

I wonder how often she cringes when he starts talking.

[@blueowl8928]

Dave himself often says, "Personal finance is just that - personal." You correctly said as much in this video as well. There is no way one plan will ever work across the board for everyone. I completely agree that the baby step plan needs to be updated to reflect the current times we're living in, and that Dave NOT passing the torch and retiring is holding their entire brand back from being more relevant to the modern day. I am also disgusted with what is coming out about Dave and the company lately, for all the same reasons you cited. The Christmas party was the final straw for me. There is NO way you can call yourself a true Christian if you knowingly put thousands of people's lives at risk during the height of a pandemic just because you're worried about how it "looks." You can't preach Christian values and then be that incredibly selfish and irresponsible.

[@alinatamashevich3354]

You did notice that dozens of his employees died after that Christmas party? Oh wait, they didn't. So anyone who does not believe the same as you is disgusting? No judgement here I see. Don't ya think that a CV-19 death from his "party" would have made the national headlines?

[@quuqeemonster]

@@alinatamashevich3354 Very good

[@alinatamashevich3354]

@@quuqeemonster Did you ever wonder why the homeless were not wiped out during the CV-19 scare? Let's see, close quarters, poor hygiene, poor health, lowered immune systems. And yet, no mass deaths. Look up Sebastion Yellow, Denver CO, there IS the truth.

[@annicks7385]

I follow Tiffany the Budgetnista . She’s more balanced in her strategy and way more respectful and fun loving .

[@BudgetGirl]

Tiffany is fantastic! I adore her!

[@annicks7385]

@@BudgetGirl plus she isn’t rigid ! She gives options and actual information to her viewers . Just a way more respectful individual in general . She understands the realities of life and it entails things like credit ! Budget ! Life’s highs and lows ! Loosing jobs ! Increased incomes and not increasing spending . Student loans . She’s just the best !

[@laurenrobgeb8737]

I follow her podcast. I wish I had found her first.

[@VelvetLovesU]

💯💯💯💯💯💯💯💯💯

[@colleenwood8220]

I stopped following him on KZbin and Instagram when he interviewed someone political and the conversation veered quickly into “idiots who took out student loans”. Listening to Ramsey degrade other people even further was enough for me. You’re completely on point with what you’re saying.

[@4knewt505]

:(

[@alinatamashevich3354]

Colleen, you totally missed what he was saying as you like others took it out of context. He is referring to kids who took out huge amounts of loans to get a left handed puppetry degree. Or the famous "tuba" degree. Sorry you got caught up in the bash Dave movement. So did you file bankruptcy following his advise?

[@colleenwood8220]

@@alinatamashevich3354 I took what he said as he said it. I stopped watching him three years ago. He’s a misogynist who belittles people on the regular and gives lousy money advice. And the only one who is bankrupt here would be you and your negative comments. Take your shit elsewhere, Barbara.

[@anaiyasmommy1]

@@alinatamashevich3354 Are you Dave’s spokesperson? Dave, like all human beings, is a flawed and fallible person. Therefore, he is far from perfect. Resorting to calling people ‘idiots’ is not Christ-like behavior. As a Christian, he should teach and admonish with love. Not a bullying spirit. Read Colossians 3:12. We’re supposed to be kind and compassionate, this includes the words we use.

[@alinatamashevich3354]

@@anaiyasmommy1 Listening comprehension is not your best skill. Dave called their action idiotic, not the person. It helps to listen to the entire conversation, not sound bites.

[@jennifercase393]

This is a great video with excellent points. I think this shows how far you've come on your financial journey where you know enough to critically analyze financial advice including budgeting and investing. I would love to hear about any financial books or "gurus" you've used besides Dave Ramsey that you have found beneficial. Thanks for all you do for the financial community in social media (btw...i use "financial community" because I feel you've become more than a "debt-free" social media presence).

[@BudgetGirl]

thank you very much!

[@pookieplans2230]

Dave Ramsey: save $1,000 for emergencies and then cut up all your credit cards Also Dave Ramsey: if $1,400 changes your life, you were pretty much screwed already.

[@moxiebbwnc]

Point exceedingly well taken.

[@JK-Visions]

True. The 1000 is the base, then comes The 3-6 month savings. So 1400 should make no real difference. It's only making the country weaker. Still if you are in an area without much jobs this could save you a bit. I am reading the book no depression in heaven and sometimes people just cannot help being without a job or money if things stay worse for a long time in a row(like for years)

[@susanlippy1009]

I would say it depends how you use the 1400. If used to save your business and later your business booms, did 1400 change your life? If you paid a ln insurance copay with it and got medical care you needed so you could return to work do we call that life changing? If you got insulin and as a consequence were able to attend a job interview instead of emergency care is that not life changing? I'd you underfund emergency savings when an emergency comes you will be going into debt as you have nothing to survive on. I love the concept of being responsible, of living with in your means. That's all well and good but not everyone can do so always in our economy. Health care alone is crazy and many lose all to illness. Inflation affects the best laid plans, especially when pay lags behind. Some debt is beneficial and some not. Your duplex being prime example.

[@jackieferrarimusic]

Those can both be true at the same time.

[@aquilifergroup]

Good advice. I mean, if you understand his point then you’re probably in a good place financially. If you don’t get it then you’re probably still living paycheck to paycheck

[@hfrankery]

I followed DR 90% when I didn’t know how to budget/save. We had no control over our credit card spending so it was good to not use it while learning how to control the spending. We kept our employers’ retirement match (6%) and 1 month of expenses in the emergency fund. I still feel like DR’s baby steps and the DR community on youtube changed my life despite the tweaks we made to it. The baby steps took something super stressful for me and made it feel doable. For getting out of debt, and learning budgeting 101- I still point people to it.

[@caseyntrent]

Totally agree. We needed that at the time and was successful

[@jordanashleyblack]

I think he’s a huge jerk. I’ve listened to his show and always felt like he was unnecessarily degrading.

[@MikeThePike316]

I would love to see a clip of what you saw.

[@murderofcrows7738]

@@MikeThePike316 You responded to another comment of mine and clearly haven’t been watching a lot of you think he’s compassionate all the time. I’ve watched for the last few years and didn’t see it at first, but he’s either getting worse or his hypocrisy and insensitivity just stands out more to me now. He’s an absolute ass to people now… unless it’s a woman. Sometimes he’s nice to them. It’s a man’s job to save, failure to do so means he isn’t doing his job as a husband 🙄

[@MikeThePike316]

@@murderofcrows7738 - I know what I've watched. I would love to see an example of his terrible conduct.

[@jerishull1860]

I agree. His plan was created for a consumer addict, and to wake people up from the purchasing trance states we are trained to follow. Beyond that, there are better plans. Nowadays, his advice show is entertainment, if you like that kind of Jerry Springer approach to entertainment. I can't watch it.

[@VashtiPerry]

Best comment

[@robine916]

THIS!! I followed him early on,..I found a used book of his at a yard sale. I didn't follow everything, but it did help steer us towards the right direction (less debt, more savings/retirement). It seems like as he got more notoriety/wealth, he became very full of himself, and adopted a "holier than thou" attitude.

[@raisingbabydiaz]

It’s annoying how it’s always ppl with large incomes. “I payed off 200k in 18 months!” And then he says to save 20% for a home in 18 months and no longer.. like what average person can do that? 🙄🙄

[@username00009]

If you follow enough people on social media, you may start to realize that those amounts aren’t as ridiculous as they sound. Dave’s plan is all about creating intense, focused momentum that would never be sustainable long-term. KZbin doesn’t compare to Instagram when it comes to finding debt free community inspiration, at least in my experience, although Budget Girl is actually a great example to follow when taken in the context of her entire journey to date.

[@PrepperPrincess]

Personally, I did it ALONE, and on a very small income. I have never made more than $44k in a job in my life. So, I had to work 2 jobs or more. Never had a significant other that contributed anything financially either. NOTHING. It CAN be done as a single person, on a small income if you are willing to work really hard for a short burst of time. Took me a year and a half to pay off $49k working 2+ jobs. I didn't sleep for a year and a half but I'm glad I ripped off the band-aid and got it over with.

[@raisingbabydiaz]

@@PrepperPrincess we are debt free! But we didn’t have 200k lol. More like 20k and took about 2 years on one income with kids.

[@raisingbabydiaz]

@@username00009 those amounts are insane. I don’t know a single person who makes enough to do that in 18 months. I’m not saying it’s impossible as I semi-follow his plan but it would be nice to see normal numbers! Maybe 20k in a year or two etc.

[@raisingbabydiaz]

@@username00009 like for us it took 1 year (I thought 2 but no we started in 2019 and paid it off in 2020) to pay off 20k on a low income.

[@poodlegirl55]

I need a love button for this. Funny he says you're screwed if you don't have 1200 yet he tells people to save 1000. In 2021, in any place in this country try renting a car without a credit card and no they don't take debit cards. So many of his rules are outdated. I saw his mask rant and watched his daughters face while he did it and never watched again.

[@deeinkc]

"Funny he says you're screwed if you don't have 1200 yet he tells people to save 1000." Good point!

[@mrseliephant]

Re: rental cars. You can rent cars without a credit card if you rent from the airports. I know this is true not only for Dollar, but Enterprise, Alamo, and National. I'm sure it's probably true for the others at the airports.

[@username00009]

I’ve rented from several large companies with a debit card instead of a credit card, and I wasn’t at airport locations. Depending on the company, they may place a cash hold on your card in addition to the payment amount, but you can ask about their policy upfront. People have got to stop perpetuating this myth.

[@poodlegirl55]

@@username00009 People are not posting a myth. I am speaking from experience in my family. They always used debit cards in the past but many have stopped accepting them now as they've had too much loss.

[@anithegreatsf]

Thank you for saying what you said I felt this for a very long time it took me a long time to get there it was comments from Dave and his daughter that made me not want to be part of their budgeting process. I don’t understand why people have to talk down to people who don’t have a lot of money or that need help from the government that’s why it’s there. We have all at some point needed help and if you can’t respect that fact then you shouldn’t be talking to people as a whole group when really you just want to talk to a certain group. Because of watching this video which I’m watching for the second time it has brought me back to your channel and I respect what you’re saying and I appreciate that you’re saying it because there needs to be more women talking about money and finances especially personal finances. Right now I focus on the budget mom and I listen to your advice which I appreciate for somebody who’s gone through it and is able to share both sides. But I also focus on One big happy life one of my favorite things that they mention which I’m working on right now is having CDs that are the value of one month of expenses I’m hoping that over the next 10 years I’ll have 12 employees they come to every month so in case of emergencies I always have the money but it’s also earning money for me I know it’s not a huge interest earn her but it would give me some peace of mind. I also like that they have their sinking funds and their system in multiple banks in different types of accounts I am a big believer in having multiple accounts at least three or four branches because if we are going to be building wealth that is one way of doing it. My other focus is couponing and rebates and apps that reimburse you and help make discounts possible. I know you mentioned them as well and most people get frustrated with them and I try to help. And whatever I get for free or the cost of tax I normally give out in my buy nothing group to help others no matter if they have $1 million in their bank account or a dollar. I believe in the concept of wealthy Wednesday or you just help others. Which is another Couponer who I love Jodi M Dunn. Another one of my gurus that I love to follow is Penny is not perfection and her transfer Tuesdays have been awesome for me building up my retirement and there is another couple that I watch and they retired early at like 40 and I enjoy the things that they have to say about investing and buying real estate which you’re doing and I think that’s amazing that you’re doing that. Pretty much my plan is every day to be focusing on finances and to understand what I need to do but to automate it so that it does the work for me. My philosophy is to make my money work for me even though I don’t have a lot of It right now. Example most people cut out Hulu And other apps from their life as a way to save money but instead I just found someone in my family who has the app and I attach myself to them and I make sure that when they pay for it because you’re nice enough to let me be part of their group but they save money. They save 12 to 15% every month because they buy a gift card through Costco and Costco‘s credit card which they then in tune turn into money for their bulk items for meals and other things that they need around. This year I was able to get it up to like three or $400 which is very helpful because they’re a family of almost 5. So to me I always try to find a way to get what I need but just to make sure doesn’t cost me that much money most people think of finding a financially better solution is too much work for me I enjoy it it doesn’t annoy me yes it might take twice as long to use a gift card but I just learned from that one experience of it taking too long that I need to be better prepared. So thanks again I know this is a really long Comment but I do appreciate what you were saying and I try to listen and learn. Thanks again for another great video.

[@uzeela]

That 'unmasking' party ... imagine being an employee during the height of covid and not being able to wear a mask at an event..(or shamed to wear one)...Yes Sarah I agree with you even being around his age I know how we need to be flexible to change methods with our personal finance..

[@frugaldutchmom1359]

Did you read about the morning gathering that everyone has to join? They were told they were idiots to believe science and the governments. They had to believe in Ramsey and God, nothing was going to happen to them. Social distancing was not neccessary, nobody could work at home. Employees basically tested each others faith in God and Ramsey after that by purposely coming close to the other. And did you know that your spouse has to come with you on a job interview at Ramsey, for review? You can't be in contact with a "sinner" basically, you have to tell them and explain everything around your own personal finances and household. You have to live by their rules. Cult.

[@madnessofmymind]

Oh darn

[@EmeryShae]

I’m glad someone stood up for real science and not the flavour of the month. We’ve been lied to over and over with this whole Covid thing.

[@janiewerner]

@@frugaldutchmom1359 potential employees and employees know what they are signing up for. They are free to not work for Dave. My daughter lives in a neighborhood with a large number of ramsey solution employees. They all speak highly of the work environment.

[@alinatamashevich3354]

Who held the gun to the employees head and forced them to attend? Missed that part.

[@ahnafryhover2912]

This perfectly articulates how Ive felt about Dave Ramsey for a while now. You are spot on. Thank you for saying it.

[@trackourmoney5340]

I completely agree. I never agreed with a lot of his thoughts... I'm glad there are so many resources out there now for people to learn from!

[@gwillis01]

I believe that financial plans should not be set in stone. A person has to adapt to changing circumstances. Sometimes a person has to pivot on a dime due to an unexpected break down of a major appliance or a car maintenance emergency.

[@alinatamashevich3354]

And yet Dave's plan allows for that exact thing. Crazy right?

[@simplyambermarie]

These are great points, Sarah! I do like Dave Ramsey and adapted his plan while we were getting out of debt. I did like his "tough love" because I'm one of those types that need it, ha; but I do agree with an update, and I really like the way you talked about it, from a good place. You're awesome! Been a subscriber to you for years. Keep rockin' it, girl! I'm so proud of you for how far you've come along on your journey 💕

[@ayidas]

Yes I agree with everything you said here!

[@cyndielake4092]

Yes to every thing! Here’s a fact Larry Burkett was around long before Dave Ramsey, taught many of the same principles from a truly biblical perspective without bullying berating or demeaning! So can’t stand him and his arrogance. There is nothing Christian about his behavior. I cringe when he pops up in my feed.

[@maryfields877]

I did Larry Burkett's program when I was in college. His principles got me out of debt after I graduated and got a job. I sacrificed, lives in not the best place, but it was worth it. I heard that DR pretty much ripped off LB. That saddens me.

[@coastaljan6193]

Years ago I saw a Larry Burkett video at church. Although the target audience was newlyweds, and I was on my own with two daughters, I took a lot of his advice. I credit him for putting me on the right path and helping me be debt free throughout most of my life. I would him to know the impact his advice had on my life.

[@_mood.]

I used to follow Dave, but his plan doesn’t fit my personal financial needs. I love the financial advice from One Big Happy Life. It’s well rounded, and not so depriving. I agree with a lot of your points, Dave, I hope considers retiring.

[@docdoctme]

Thank you for sharing your thoughts. I always felt that he was harsh and judgmental, but it was easier to listen to ones like yourself who had their debt free journey. Watching channels like this has helped me to think before I spend and save. I felt he had a cult following and that is the reason he was allowed to talk in that manner. This pandemic has exposed many things and people have suffered. It brought to light who really cares about your well-being. I wish you all the success!

[@tiffanykellen]

I too was a hardcore Dave follower... Not anymore. He has some good advice but we are doing what he calls Daveish now. Paid off half our debt so far. I agree 100% with this.

[@peggyk.738]

I agree with everything you said! The $1000 in savings is definitely not enough these days. EVERY emergency costs more than that these days. We can't drive a junker to save to pay cash for a car. We have a daughter with special needs, and we frequently have to drive 4 hours one way for her care. I've heard him tell others to rent a car for times when you must travel. The cost of car rentals have risen, and it would cost us as much each year for car rentals as it is for having the most reliable, used car for the lowest car payment possible. Our son was checking out used cars, and he discovered he could buy a brand new car for less because of all the incentives. We are building our savings, and someday we may be able to buy with cash, but it won't be a junker because that isn't practical for us. One size does not fit all.

[@Nish556]

It is not usual for me to comment on videos but I had to say something about this. It is so refreshing to see you being truthful and honest about how you feel about another personality. Mainly because it feels like someone had to put a spotlight on it and open others eyes to some of the bad advice and bad behavior. Unfortunately in the KZbin community too many influencers get caught in the trap of pleasing everyone. You can't achieve that but your honesty will make you look authentic. I am glad you spoke about this, someone needed to.

[@alexyssmiley3010]

I love love LOVE how you went about addressing this! Yes I agree with all of what you said and am thankful you did the research to back it up. I've been feeling weird about Dave Ramsey mostly because of how he speaks to and treats people when giving advice. But also, the baby steps just didn't fit my lifestyle. As a single mom, it would be incredibly irresponsible to only have $1000 as an emergency fund.

[@bite-sizedshorts9635]

You don't keep a $1,000 emergency fund forever. It's just a temporary backup in case you need a tire or car repair. It's not meant for a major emergency.

[@fuchadancer94]

The cult following is so toxic. I had to leave most of the Facebook groups.

[@cooperashleigh54]

Same! So many mean spirited people!

[@catharineb.boynton9704]

i think his baby steps are good starter for the "where do i start" it definitley made me THINK and then once you get stronger and arent stupid with your money.. yes make your own choices etc. I will always share DR cuz friends need to start somewhere and his PLAN helped me get started!!!! Yes, sad to see him in the news more over the past few years..

[@25esimpson]

It's fair to critique his plan. You have your own mind and in God's eyes you and Ramsey are worth the exact same (worth has nothing to do with net worth). That said, his plan has helped our family tremendously. We don't follow it perfectly, but as a general framework it has served us well. We haven't used credit cards since 2012 and we were able to buy our home with 20% down and at a 2.875 interest rate in 2016. We are a one (modest) income family but we are frugal and hope to be at Baby Step 7 by next year. I think if your debt snowball era is 2 years or less it might make sense to stop the company match. His approach has to do with concentrating all of your income into a laser that can blast down the debt as quickly as possible so that you can move on to the later steps (investing, etc.) as quickly as possible. I still follow Dave, but I'm also a Budget Girl subscriber because I like both of you. :)

[@sherrypoole4430]

I think you can listen to several. People and use a little bit of everything. As advice. Just like weight. Loss. Listen to several. Plans to make a decision to lose weight. To be honesy

[@sherrypoole4430]

The man has filed bankruptcy and. Is trying to show people. His advice. Its not like a cult or something like we are mesmerized by Dave Ramsey. Just like your u tube channel. Follow a little bit of advice from everyone

[@koreypaul6698]

"Critical thinking" - we need more of it in 2021 and onward! 👏🏾

[@wrigs4prez]

Someone had to do this video and I’m so glad it’s you, Sarah!! Dave is a pandemic/science, BLM denier. But beyond those problematic social stances, his advice is DATED. Most people who call in have an income problem, not a budgeting problem! Teach people how to increase their income and stop splitting pennies.

[@syds8752]

BLM denier? I didn’t know this

[@username00009]

What exactly is a “BLM denier”? Also, are you aware of the negative media surrounding BLM due to Marxist beliefs, founders buying multiple expensive properties, etc.? You comment as if the organization itself is actually working to help the black community, yet they ignore plenty of black deaths that don’t fit their narrative.

[@syds8752]

@@username00009 you realize BLM is more than the organization, right?

[@BradLongCo]

Excellent video, Sarah! So happy to see you come out and talk about this. As a former "Ramsey Coach", I did a video recently about the very same thing and it was quite cathartic! Very fair and balanced video!

[@LisetteZ3]

I was an avid follower too. Have the book, followed the baby steps. Until Chris Hogan was forced to quit. And found the blog of his wife and what she was put through by Ramsey Solutions. Pregnant unmarried woman that was fired. That was it, I unfollows all of their accounts on all media. I don’t want anything to do with such an unethical company

[@Natalie_11188]

What happened with Chris Hogan? I haven’t listened to the podcast in a while.

[@katelynbendinsky5080]

@@Natalie_11188 he cheated on his wife a lot, and he didn’t show any remorse towards her. His wife was bullied by DR and the company to try to protect their image. He was only fired for legal reasons after months/years of this going on.

[@Natalie_11188]

@@katelynbendinsky5080 thanks. After I watched Sarah’s video I googled. Seems that absolute power corrupts absolutely? Wishing Melissa Hogan only the best.

[@alinatamashevich3354]

Lisette, so you are allowed to violate your companies code of conduct and policies and keep your job? Imagine a company that has standards and rules, get outta here! Mean ole companies trying to make a buck, glad you are sticking it to the man!

[@LisetteZ3]

@@alinatamashevich3354 I don’t think my personal life should be of any concern to my employer. If I would cheat, divorce or have sex out of wedlock, that shouldn’t be a reason to fire me. In fact, in the Netherlands we have laws to protect employees from employers in situations like these. What Dave is doing would be illegal here

[@eddieblake097]

I agree with your message and i think ultimately, people need to take in the good advice, from you or Dave, and leave the advice that may not pertain to them behind.

[@Natalie.D]

Definitely don’t agree with the credit score part. In these times, you would never be able to buy a house. Manual underwriting… my bank would have laughed me out the door. If you did find a random bank that would consider manual underwriting, you are looking at way higher percentage loan and over the course of the mortgage paying tens of thousands more in interest. The anti masking stance to put his employees and contractors at risk (like the caterers) is one way he shows his team that he doesn’t care about them or their families. Discriminating against female employees is another way. Wow, time for Rachel to lead.

[@alinatamashevich3354]

Please prove that anyone was forced to attend this so called anti-mask party. Also prove that he discriminated against any female employee. You are spreading gossip, unsubstantiated rumor as well as hearsay.

[@Tiffany.132]

@@alinatamashevich3354 there's literally a lawsuit against him right now... 🙄

[@alinatamashevich3354]

@@Tiffany.132 WOW, really? Hope she has more than 250M to spend on her lawsuit. Dave can and probably will bury her attorney in paper. In other words, Dave can make it very uneconomical for her to proceed with any meaningful litigation. In America, you don't get the justice you deserve, you get the justice you pay for. Cheers!

[@roannecooper2901]

I did a debt free scream on his show and I agree with everything you say. You’re absolutely right about critical thinking. With all theses “gurus” you have to analyse what is useful and leave the rest.

[@biancaheinicke3278]

When he said he wouldn't shell out for higher vet bills for his dog, because it is "just" a dog and a dog is not worth all that money ... That was it for me. The dog is good enough to keep him company for 10 years, but not good enough to have his cancer cured? Well Dave, you are not worth the dog, no matter how much money you have. I am frugal and I get financial dicipline, which is why I have health insurance for my animals. And it saved me so much money already. An animal comes with health expenses. If you are not willing to accept that reality, you shouldn't have an animal. Animals are worth it for me, and that advice of his concerning animal health really turned me off.

[@thecopysloth]

As "sad" as some other people see it, animals are equally a part of the family as actual kids. There are women out there who just can't have (or don't want) kids. While animals AREN'T exactly a child, I just don't subscribe to the idea that they cannot be a valued member of your family that you love, cherish, and adore just as much as any other member of your family. I'm so with you!

[@biancaheinicke3278]

Absolutely. I have one human and 2 fur children. And I care for each of them in the way they need. And what would all that money do for me, when I wouldn't care for my loved ones? That money wouldn't make me happy, my animals would ❤

[@ludmillabogucharska3182]

I bet if the dog had to choose the health plan for Dave, he would chose the best one, because he loves him. Dave definitely does not deserve his dog.

[@biancaheinicke3278]

You are right. My fur children are just as important and I care for them just as well as for my human child. Of course, my cats are not the kind of family members, that have a say in anything. They are more on the same step a baby would be. They are loved, respected and cared for. And health is a part of that. One of my cats has benign tumors in one eye, so he has ophthalmologist appointent every 6 months. I am super frugal, and have a tight budget, but cat health insurance is a part of that. They would absolutely do it for me, if they could. Animals give their whole lifes to us, you are so right about that ❤

[@ludmillabogucharska3182]

@@biancaheinicke3278 According to science, cats have a brain of a 4 year old human, so treating them as toddlers is the right thing :)

[@elenacala]

I don't care if he does or doesn't step down. I can't blame him for people choosing to listen to him, cause let's face it, that's their choice, no one's making them take his advice or anyone else's for that matter. I think people play the victim card too much these days and don't take responsibility for their choices. I think people need to be careful when it comes to their money who they give heed to, and they need to do a lot of research and critical thinking before they jump on board with anyone or anything. I'm not sure it's fair to anyone to blame Dave or any other financial advisor (let's face it a lot of them said to have 1k emergency $) over the financial meltdown known as covid. No one could have predicted a pandemic and that the government would then close the entire nation for over a year and pick winners and losers in what they deemed to be "essential." Even Suze Orman said before 2020 she told people 3-6 months in savings, now she says nothing less than a year. I don't follow any financial guru, I just do what feels right to me financially.

[@cscreative5460]

I’m so glad you made this video. I would side eye your videos sometimes because I can’t claim someone who disowns you if you do anything he doesn’t. Especially because you did things a little different (in a good way) and you got a mortgage after being debt free. I’m so glad that you shared your thoughts. I kept feeling like I was failing DR until I started following TBM and you. Dave makes you feel like it’s his way or no way when in reality he did a lot more “bad” things than your average when he was in debt.

[@frugaldutchmom1359]

I definitely already had my "I've had it!" moment with Dave Ramsey. I've had it too with people that put others down, shame others and not give advice but tell you what to do and when you don't, you are not okay and to blame when you don't become rich. Everything under the pretense of "tough love". I don't take advice from people that are unfriendly and harsh to others. That's a sign they suffer from some form of grandiosity. Someone that suffers from grandiosity is either really convinced he/ she is the greatest, which is unrealistic, or they behave that way to hide they are really insecure and scared, I think. People that are not realistic or in a panic, do not make the best decisions. Why would you take everything they say for the absolute and only truth? Nobody can have ideas, a way of living and doing things that 100% works for everyone. Like you also pointed out so well, there are errors in what Dave Ramsey teaches. Besides that, Dave Ramsey didn't invent this wheel. Many others in many countries already had. A lot is just sense to be honest. Dave Ramsey is a guy that built a nice car around to wheel. That attracts people. Fine idea when you want to share knowledge. However, it's sold as a deluxe and exclusive Mercedes while it's a every day car now. I think it's wrong to sell people very overpriced courses. And you know what else bothers me? People that tell you not to buy this and that because you don't need it and these companies just fool yo, it not good for the environment, not ethical, etc. When they have money to invest, they buy the stocks from those companies. End rant 😁

[@rachelcarter2443]

I wish i could thumbs up this more than once. Dave Ramsey changed my life and I wouldn't be where I am today if it wasn't for his grumpy uncle, behavior modifying rants. But he has gotten meaner and less connected lately I think. You Sarah actually ended up being my biggest source as I got nearer to my debt free finish line. I hope that they Ramsey crew isn't too hard on you from this vid. Just know there are so many that agree with you and appreciate all you do.

[@joanneb3524]

Persuasive points, and I agree with you. My financial journey first started in high school with my Economics teacher. I told him I'd be on my own after graduation and personal finance was never on my radar. "Teach my what I need to know so I never become homeless." He did. It was a tough year...extra reading...practically living in his classroom.....a million questions. But, I graduated with a lot of knowledge that gave me confidence to make it in the adult world. Afterward, my local library and it's Reference Book Librarian gave me the books I needed to keep learning as my life changed (no internet back then). Now, I'm 60. I believe all that I learned helped me stay on a steady course all these years. I have no debt, have a large emergency fund, paid off house, conservative investments, and peace of mind. I've seen my peers crash and burn over and over again and am glad I never made the mistakes they did. Some weren't in their control. But, the one that cost them the most was living beyond their means...sometimes for decades.

[@ForestFury101]

Stopping a company match is just terrible advice.

[@trudymorgan7456]

His audience is people who are living pay check to paycheck. Putting money in to a company match 401k is not going to help someone who has no emergency fund!

[@alinatamashevich3354]

@@trudymorgan7456 Exactly, they are broke paying on a tuba degree

[@alebhd7434]

2020 was all about survival with many achievements not met but you have to be ready you don't get caught up and it begins right now by making a move to achieve your goals…If you have been saving and it’s not really getting you to were you want to be, then invest that money today for a better life tomorrow. If you can’t fly, run, if you can’t run walk, if you can’t walk crawl but just try and move to achieving your goals

[@StephanieBogart]

You have to remember it’s all alleged. I will wait to see what happens in court

[@ashleym5967]

Thank you.

[@aliciaspencer6004]

Right now alleged, what if its determined to be true... I say...so what?? I follow the thought process that EVERYONE has the RIGHT to their own beliefs. Those people who spout tolerance and everything else for all and then attempt to cancel those who dont believe the same way are 100% in conflict of what they say their beliefs are. I call these people hypocrites. If someone doesnt want to follow him, dont. Dont go trying to bully or convince others who want to follow him into not following him. People just dont see how ugly that makes them look. I have always wanted to do a Ramsey program. I now have one that is being offered at no cost by my employer. This helped me make the decision to eagerly sign up and see what all he has to say.

[@alinatamashevich3354]

@@aliciaspencer6004 Dave's employees sign and agree to a code of conduct to be employed there. Seems a Miss America learned that the hard way as well. Actions have consequences.

[@aliciaspencer6004]

@@alinatamashevich3354 exactly! For some reason, people seem to think that they shouldn't have to experience consequences these days.

[@alinatamashevich3354]

@@aliciaspencer6004 “I’d like to know why well-educated idiots keep apologizing for lazy and complaining people who think the world owes them a living.” - John Wayne

[@patricecover8546]

I found you through Dave. I listened to him and liked the structure because most people in trouble need a plan. Listening to his podcasts was my first mistake. My second was joining his official and some unofficial Facebook groups. No way Jesus wants us to treat each other like this....no way. I didn't think I could like you more than I do watching this videos. I listen to many people and combine the advice for the perfect financial recipe for myself, even if my plan changes.

[@nahuigonzalez6322]

Rachel Cruze is a personal finance coach in her own right. She has some books and even a KZbin channel. If Ramsey solutions is going to continue, they need a brand makeover, likely without Dave Ramsey. At the end of the day, no truer words have been said than "Personal finance is personal"!

[@ccccccchhhhhh808]

I actually think Anthony O'Neal will be the face going forward, I think he's more relatable

[@sussannerandall85]

in her own right,,,,she just mimics daddy

[@affordableliving2756]

@@sussannerandall85 Dave will remove his children from his will/ inheritance if they deviate from his teachings.

[@mrseliephant]

@@ccccccchhhhhh808 I personally don't find anything in common with him as a happily married person with children. I can see how he would appeal to people who are single with no children though.

[@loveubye2288]

Thank you, I stopped following him when his show got too political and religious. I've never needed his financial advice, its very basic, I just listened for the entertainment and I really loved Dr.Delony, sad to see that everyone bows down to him, he is the boss I guess ! Your analysis was very thoughtful, just subscribed!

[@imma_cat]

Oh I totally agree. His plan helped me get out of debt, but I had to stop watching him because he is not a good person. I decided I can’t take advice from a person I would not take advice from for any other topic than money. Choose FI, Buy Anything and Budget Girl are my main inspiration now.

[@juststeph6940]

I used to be a big Dave Ramsey fan, even took his master coaching class. But I don’t like how rude he is to people, his thought on having no credit score I found to be hugely false because my husband had no credit score and because of that fact alone we were refused a mortgage. I think if you take some of his principles and adapt it to your personal risk level and situation some things are ok and some are not for everyone. Just as you said it’s personal finance so make it personal.

[@alinatamashevich3354]

The reason you did not get a mortgage has nothing to do with a credit score, and everything to do with debt to income ratio. Your numbers were not acceptable to the mortgage company, nothing more. Your income was too low and or you had way too much debt and not enough down payment. Also, if you have a history of solid payments for rent and bills, that is your credit score. So now , tell us the truth.

[@MikeThePike316]

@@alinatamashevich3354 - 💯💯

[@Jodi9810]

I agree with you. I only watched/listened to him for a short time before I became completely turned off by what I perceived as a huge ego and hurtful style with some people. I also disagreed with some of his advice (similar to the criticisms you mentioned), but that wasn't my issue -- like you said, I was fine with applying what I agree with and disregarding or modifying what I disagreed with. I didn't like how he was so rigid in advising people that following exactly what he says in every case is the only way.

[@kashfortheking]

I still like Dave Ramsey and the debt free thing is forever golden. However, Ramsey is not the only source of valuable information. The saying is not to put all your eggs in one basket. This should apply to information as well. Great video and congrats on the debt free scream 😂😂😂

[@jjbrandstein4614]

Love the way you compare information to finances- basically it's another resource, where you don't want to have all of your eggs in one basket. Not just for financial info - so many people gravitate to the sources of info that tell them what they already think, and miss out on other valuable points of view that give them a more well-rounded picture. Thanks!

[@Oglulubell]

Dave helped me get out of debt over 30 years ago. His basic principles were my foundation but I didn’t stop my 401k contributions. And I won’t be paying off my mortgage early, doesn’t make sense. And I think he needs to keep politics out of his program. I’m in the party he insults all the time 😉

[@alinatamashevich3354]

LuluBell, you do understand that your bank in stealing form you every month.

[@vickieclark5931]

I would definitely try to get the house paid off so that you have that extra money to put in your 401k. I have a mortgage myself and it drives me insane cause that is money that I would have instead of giving it to the bank every month. But yes I agree. His politics in his program needs to go away. He's not Rush Limbaugh. People watched Rush cause of politics, Dave is finances. It should have nothing to do with politics. I don't care if someone is republican or democrat. Both sides have bad money habits and both sides have millionaires. Just because someone is liberal does not mean that they are playing video games in their mom's basement 24/7. Many of these liberals are out there hustling and making good money. It should have nothing to do with any of his teachings. He does need to keep politics out of his show cause this country is divided enough without have non-political radio hosts dividing it even more.

[@johnolson4977]

If You don’t like his politics then don’t Listen to him it’s pretty simple….

[@Oglulubell]

@@johnolson4977 missing the point

[@johnolson4977]

@@Oglulubell His Christian faith, loves family and this county , hard work and his politics is who he is ….