Dave Ramsey: Broke people shouldn't go on vacations

[aneed123]

U only live once. Enjoy life no matter how rich or poor u are. Be financially responsible but also Di things u want or enjoy from time to time cuz u can die tomorrow and someone else will be spending ur money. Dude went to the extreme with it

 

[Bulletproof Wallets]

Every $2000-$3000 in debt that I erase I usually take a small trip somewhere. Catching a cheap flight on Southwest and getting away for 3 days is a huge motivator and a good way to recharge for me. I'm not breaking the bank or accumulating new debt when I take these trips. I understand Dave's view but if you just absorb 50% of it then you're on the right path.

 

[bgoat]

Depends on what you consider broke and a vacation. I'll never discourage anyone from getting away and relaxing or showing your kids that there is life outside of what they see everyday.

 

[konceptjones]

I've posted this before but Dave Ramsey spouts a bunch of noise about delayed gratification which is fine.

Problem is Dave preaches about living off the bare necessities as if tomorrow is promised, sometimes it's good to just enjoy life and not simply live to work and pay bills.

Dave will have you eating tuna fish sandwiches everyday, living in a tiny home or studio apartment paying the cheapest rent or mortgage, driving a 1987 Ford Escort, using a prepaid flip phone, and some clothes from the good will.

That isn't living in my opinion.

If that's what your money allows, that's what it allows.

What Dave preaches is to be smart with your money and not to go broke trying to live up to some bullshit expectations.

- You can buy new clothes that look decent from places like Target, Walmart, Old Navy, etc.

- Buying an older car outright doesn't mean you're stuck with an '87 escort; just take a look at CL for what you can cop for under $3000. We just got rid of this 2003 minivan we rolled for two years and paid $1000 for and went back into a car note for a 2012 SUV. I miss not having a car note to worry about.

- A phone is a phone. If the purpose is to get calls/texts while you're out and about, why not get a prepaid joint? I mean... we JUST switched back to Sprint after 4 years on Net10. Truth be told, I'm regretting the decision already 'cause I got used to paying only $35 a month when I had a smartphone, and $25 a month when I went back to a feature phone. If shit ain't adding up in a few more months, I'm probably going to reactivate my old assed Galaxy S4G on Net10 and roll with it

As for food, no one says you have to eat tuna, but you do need to be smart with your purchasing decisions. Fuck you spending $45 at whole foods or trader joe's on a meal for yourself when that same money could be better spent and have you eating for 3 or 4 days?

 

[NoCompetition]

I think, in watching clips of dude, he is reacting to all the people who call him asking for economic help and they do things like go on vacations that cost thousands, buy new cars, eat out all the time, just various behavior that has made him short about it over the years. Like duh people type of thing. Like this is one of those things. Somehow I've managed to go to many states and cities through the years without balling out on no big vacation. Somehow it was always a thing where there was a reason to go or somehow I could go with someone. "where would we stay?" If they say hotel which I cant afford, Im not going into debt to go. Havent really been int'l yet but been all over US. Still a lot of places I want to go though.

Its a timing thing sometimes its not a good idea to spend out on a vacation you really cant afford because you "need one" then call this dude like "Help!". Of course you can get away if its something your able to do taking things into consideration. If your broke though common sense says maybe overseas to ball aint in the cards right now but maybe somewhere closer for different reasons can be.

 

[killap]

Honestly, my take is this. In this day and age, most of your vacation should be funded with CC points, hotel and flight. I can't remember the last time I paid for either of those things. I know Dave says no credit cards but to me, if you're responsible, the perks outweigh the negatives.

 

[2stepz_ahead]

fukk all dat.

i work hard asz hell. like real fukking hard.

for like a longtime consistently.

but when I vacation.... I go hard body without a care of expenses.

what most people on the outside looking in miss is how hard I work. how much fun I don't have building for my family and future family that ain't even here yet.

so when I'm in Berlin eating gold flakes and celebrating my baby's bday being chauffeured around town...you see me unwinding because I damn sure deserve it at that point.

I challenge all men on this site to be the patriarch of your family. sacrifice more to give your family more.

is it better to see smiles on their faces or you having a smile?

ill end it with this.

the best feeling in the world is knowing you can retire tomorrow while you still look young or if you die right now your family won't have any worries about money.

 

[AZTG]

fukk all dat.

i work hard asz hell. like real fukking hard.

for like a longtime consistently.

but when I vacation.... I go hard body without a care of expenses.

what most people on the outside looking in miss is how hard I work. how much fun I don't have building for my family and future family that ain't even here yet.

so when I'm in Berlin eating gold flakes and celebrating my baby's bday being chauffeured around town...you see me unwinding because I damn sure deserve it at that point.

I challenge all men on this site to be the patriarch of your family. sacrifice more to give your family more.

is it better to see smiles on their faces or you having a smile?

ill end it with this.

the best feeling in the world is knowing you can retire tomorrow while you still look young or if you die right now your family won't have any worries about money.

Bruh, you made it clear on many occasions that you make really really good money.

This is about being in debt, and spending on vacations, which I dont think can be justified.

 

[its....JOHN B]

I've posted this before but Dave Ramsey spouts a bunch of noise about delayed gratification which is fine.

Problem is Dave preaches about living off the bare necessities as if tomorrow is promised, sometimes it's good to just enjoy life and not simply live to work and pay bills.

Dave will have you eating tuna fish sandwiches everyday, living in a tiny home or studio apartment paying the cheapest rent or mortgage, driving a 1987 Ford Escort, using a prepaid flip phone, and some clothes from the good will.

That isn't living in my opinion.

I respect your opinion. In my opinion having payments is not living.

Unless you're paying for everything in cash which I doubt you're probably financing larger items such as a house and vehicles unless you lease which still is a reoccurring debt which still has terms.

Even wealthy people like Trump for example go get loans. No one is paying for everything in cash no you not me no one.

I have 15.5k left in my debt snowball. My last debt in the snowball is my car which yes I did Finance it because I literally had zero cash, neither did my family to be able to help me out. Crazy thing is I didn't take out a loan to get my Jeep I put zero money down. Only the Lord knows why I was able to get my Jeep zero money down.

I realize that I may have to take out a loan to make a downpayment on a house but I'd like to think that I'm disciplined enough financially at that point where the loan won't be so overbearing. I understand your point you have to get a loan and there may be enough justification for doing so, I was just trying to make a Counterpoint to your gratification opinion.

What? No it's probably because you agreed to make $600 payments every month

 

[Young_Chitlin]

I've posted this before but Dave Ramsey spouts a bunch of noise about delayed gratification which is fine.

Problem is Dave preaches about living off the bare necessities as if tomorrow is promised, sometimes it's good to just enjoy life and not simply live to work and pay bills.

Dave will have you eating tuna fish sandwiches everyday, living in a tiny home or studio apartment paying the cheapest rent or mortgage, driving a 1987 Ford Escort, using a prepaid flip phone, and some clothes from the good will.

That isn't living in my opinion.

I respect your opinion. In my opinion having payments is not living.

Unless you're paying for everything in cash which I doubt you're probably financing larger items such as a house and vehicles unless you lease which still is a reoccurring debt which still has terms.

Even wealthy people like Trump for example go get loans. No one is paying for everything in cash no you not me no one.

I have 15.5k left in my debt snowball. My last debt in the snowball is my car which yes I did Finance it because I literally had zero cash, neither did my family to be able to help me out. Crazy thing is I didn't take out a loan to get my Jeep I put zero money down. Only the Lord knows why I was able to get my Jeep zero money down.

I realize that I may have to take out a loan to make a downpayment on a house but I'd like to think that I'm disciplined enough financially at that point where the loan won't be so overbearing. I understand your point you have to get a loan and there may be enough justification for doing so, I was just trying to make a Counterpoint to your gratification opinion.

What? No it's probably because you agreed to make $600 payments every month

$425/mo at first, refinanced to $323/mo currently​

 

[its....JOHN B]

fukk all dat.

i work hard asz hell. like real fukking hard.

for like a longtime consistently.

but when I vacation.... I go hard body without a care of expenses.

what most people on the outside looking in miss is how hard I work. how much fun I don't have building for my family and future family that ain't even here yet.

so when I'm in Berlin eating gold flakes and celebrating my baby's bday being chauffeured around town...you see me unwinding because I damn sure deserve it at that point.

I challenge all men on this site to be the patriarch of your family. sacrifice more to give your family more.

is it better to see smiles on their faces or you having a smile?

ill end it with this.

the best feeling in the world is knowing you can retire tomorrow while you still look young or if you die right now your family won't have any worries about money.

Bruh, you made it clear on many occasions that you make really really good money.

This is about being in debt, and spending on vacations, which I dont think can be justified.

Thank you

 

[Mister B.]

I disagree with this. Even people who don't make a lot need an escape. Vacations help stimulate the economy, and as long as a family doesn't overdo, every kid should get that experience growing up of going to Disney World/insert amusement park here.

I still loved that trip to Universal back when I was 10 with the fam.

One won't hurt.

 

[LEMZIMUS_RAMSEY]

Good thread. Imo it about ONCE AGAIN ABOUT

one 's REALITY - DESIRES- NEEDS- DUTIES paradygm

That are different from the neighbourgh next door.

'Lemmy where are you flying to this year? Im flying to the Seychelles'

' since i need to save money to finance an appartment i will stay home and learn how to cook asian food. Ill will make some little car trips in Germany.

Fam you got money!! You ve just spent 18000 euros to finance you new 28000 euros car. Now you go on a 4500 euros trip plan. I respect you finance power.'

' No Lemmy i have taken a credit for this.'

'But..'

' Dont start with that saving money and shit Lemmy again! YOLO!!! How do i look like staying home doing some gay shit like cooking new stuff!!! You will be the only guy staying at home in the neighbourhood, arent you ashame of this!! Man you are weirf. EVERYBODY TAKE SOME CREDIT TO FLY SOMEWEHRE. i got kids and they need to go to DISNEY!!!'

I stopped the conversation there. The guy is another SOCIAL PRESSURE victim. He thinks that he has status just because he will go to the same hotel as @2stepz_ahead forgeting he will have to take a credit whereas @2stepz_ahead will just have to spend it.

But hey he wants to have @2stepz_ahead respect and recognization not knowing the latter sees him as A FOOL WHO IS TAKING STEPS BACK with is financially CHILDISH actions.

That what kills the middle class imo. We want to sit with James Harden at the strip club poppin bottles. We dont wnat to go to vacation cause we feel like it : we are competing against the neighbourgh, against @2stepz_ahead in the IC.

 

[2stepz_ahead]

fukk all dat.

i work hard asz hell. like real fukking hard.

for like a longtime consistently.

but when I vacation.... I go hard body without a care of expenses.

what most people on the outside looking in miss is how hard I work. how much fun I don't have building for my family and future family that ain't even here yet.

so when I'm in Berlin eating gold flakes and celebrating my baby's bday being chauffeured around town...you see me unwinding because I damn sure deserve it at that point.

I challenge all men on this site to be the patriarch of your family. sacrifice more to give your family more.

is it better to see smiles on their faces or you having a smile?

ill end it with this.

the best feeling in the world is knowing you can retire tomorrow while you still look young or if you die right now your family won't have any worries about money.

Bruh, you made it clear on many occasions that you make really really good money.

This is about being in debt, and spending on vacations, which I dont think can be justified.

you are missing the point which alot often do. it's not about me showing you I have money because I got it....I am telling you how I got it. try to see the message.

I said I worked very hard and did not do for a long time. did you miss that part? usually when I talk about it, I say I used every dollar to get out of debt, to save and invest.

while people buy new jordans every month...i buy $40 psir of sneaker once every two years.

people buy bottled of alcohol at the club for $500. i buy it from wine an spirits for $30 an drink at home.

people buy all the fly clothes, I shop at the discount rack at Macy's.

all that gets skipped.

you only see I post about how much I have?

that should not stand out here. what should stand out is how I got it. why am I debt free. how am I able to do these things..

its all about perspective.

either you see someone who's stunting or you see someone you should learn to get money with. either way....it's something to learn.

funny how the challenge was skipped over as well.

but hey...

good morning everyone. have a good day.

 

[AZTG]

fukk all dat.

i work hard asz hell. like real fukking hard.

for like a longtime consistently.

but when I vacation.... I go hard body without a care of expenses.

what most people on the outside looking in miss is how hard I work. how much fun I don't have building for my family and future family that ain't even here yet.

so when I'm in Berlin eating gold flakes and celebrating my baby's bday being chauffeured around town...you see me unwinding because I damn sure deserve it at that point.

I challenge all men on this site to be the patriarch of your family. sacrifice more to give your family more.

is it better to see smiles on their faces or you having a smile?

ill end it with this.

the best feeling in the world is knowing you can retire tomorrow while you still look young or if you die right now your family won't have any worries about money.

Bruh, you made it clear on many occasions that you make really really good money.

This is about being in debt, and spending on vacations, which I dont think can be justified.

you are missing the point which alot often do. it's not about me showing you I have money because I got it....I am telling you how I got it. try to see the message.

I said I worked very hard and did not do for a long time. did you miss that part? usually when I talk about it, I say I used every dollar to get out of debt, to save and invest.

while people buy new jordans every month...i buy $40 psir of sneaker once every two years.

people buy bottled of alcohol at the club for $500. i buy it from wine an spirits for $30 an drink at home.

people buy all the fly clothes, I shop at the discount rack at Macy's.

all that gets skipped.

you only see I post about how much I have?

that should not stand out here. what should stand out is how I got it. why am I debt free. how am I able to do these things..

its all about perspective.

either you see someone who's stunting or you see someone you should learn to get money with. either way....it's something to learn.

funny how the challenge was skipped over as well.

but hey...

good morning everyone. have a good day.

None of this had anything to do with the thread or what I wrote. All good though.

 

[LEMZIMUS_RAMSEY]

fukk all dat.

i work hard asz hell. like real fukking hard.

for like a longtime consistently.

but when I vacation.... I go hard body without a care of expenses.

what most people on the outside looking in miss is how hard I work. how much fun I don't have building for my family and future family that ain't even here yet.

so when I'm in Berlin eating gold flakes and celebrating my baby's bday being chauffeured around town...you see me unwinding because I damn sure deserve it at that point.

I challenge all men on this site to be the patriarch of your family. sacrifice more to give your family more.

is it better to see smiles on their faces or you having a smile?

ill end it with this.

the best feeling in the world is knowing you can retire tomorrow while you still look young or if you die right now your family won't have any worries about money.

Bruh, you made it clear on many occasions that you make really really good money.

This is about being in debt, and spending on vacations, which I dont think can be justified.

you are missing the point which alot often do. it's not about me showing you I have money because I got it....I am telling you how I got it. try to see the message.

I said I worked very hard and did not do for a long time. did you miss that part? usually when I talk about it, I say I used every dollar to get out of debt, to save and invest.

while people buy new jordans every month...i buy $40 psir of sneaker once every two years.

people buy bottled of alcohol at the club for $500. i buy it from wine an spirits for $30 an drink at home.

people buy all the fly clothes, I shop at the discount rack at Macy's.

all that gets skipped.

you only see I post about how much I have?

that should not stand out here. what should stand out is how I got it. why am I debt free. how am I able to do these things..

its all about perspective.

either you see someone who's stunting or you see someone you should learn to get money with. either way....it's something to learn.

funny how the challenge was skipped over as well.

but hey...

good morning everyone. have a good day.

None of this had anything to do with the thread or what I wrote. All good though.

IT DOES !!! GOD DAMMIT ITS DOES!!!

its a BEHAVIOR problem.

Its a MATURITY PROBLEM.

We have let EGO lead the dance of our lives.

We have let GREED take over our heart

We use LAZINESS as our shower gel.

An inch of PATIENCE , PLANNING, DIFFICULTY, AND SENSE OF REALITY in front of us and we run away!!!

 

[LEMZIMUS_RAMSEY]

I not a rich dude. I was a motherfuckin idiot of consummer like many more.

Only difference is that i have NO SHAME TO SAY IT LOUD. since that moment eerthang is changing.

All im reading right now is EXCUSES and FAKE MANTRAS AND MOTTOS that have shown no god dam positive results in our lives.

 

[SimplyKrys]

It's good to indulge, but you have to do so wisely. You can't go your whole life depriving yourself.

 

[JokerzWyld]

If everyone took his advice the credit industry would probably collapse. It may result in the deflation of property values as well.