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Young_Chitlin
New member
Rasta.;9454497 said:Slept on thread of the year bruh.
Thanks hermano
Dave Ramsey makes excellent points as always but he's a little too extreme for my liking.
He doesn't believe in any debt or buying anything you can't pay for in cash.
That is not reality he'll have you driving a 20 year jalopy paid for in cash, a small house the size of a couple studio apartments, wearing goodwill clothes, using a flip phone and eating chicken noodle soup every night.
That in my opinion is not living I live more by the motto "everything in moderation."
He doesn't believe in any debt or buying anything you can't pay for in cash.
That is not reality he'll have you driving a 20 year jalopy paid for in cash, a small house the size of a couple studio apartments, wearing goodwill clothes, using a flip phone and eating chicken noodle soup every night.
That in my opinion is not living I live more by the motto "everything in moderation."
Will Munny
New member
Everything he said was spot on but lets be real what the fuck good is $5 million when you're 70???? I think I'd rather have that bass boat.
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One other thing to consider who do yall think bought his expensive luxury cars and sports memorabilia I see in the background, but he's telling you to live like a hermit and save money though.
It's a hustle.
Hes says some good stuff but yall should read between the lines as well.
It's a hustle.
Hes says some good stuff but yall should read between the lines as well.
Will Munny
New member
Crude_;9454630 said:One other thing to consider who do yall think bought his expensive luxury cars and sports memorabilia I see in the background, but he's telling you to live like a hermit and save money though.
It's a hustle.
Hes says some good stuff but yall should read between the lines as well.
Right, "ITS A CAR! YOU DON'T NEED A 25 THOUSAND DOLLAR CAR..... well... all my cars (PLURAL) cost more than 25 thousand dollars"
Will Munny;9454650 said:Crude_;9454630 said:One other thing to consider who do yall think bought his expensive luxury cars and sports memorabilia I see in the background, but he's telling you to live like a hermit and save money though.
It's a hustle.
Hes says some good stuff but yall should read between the lines as well.
Right, "ITS A CAR! YOU DON'T NEED A 25 THOUSAND DOLLAR CAR..... well... all my cars (PLURAL) cost more than 25 thousand dollars"
Im sure old Dave is paid handsomely by folks who come to his speaking engagements, buy his books/publications, etc. He's hustling people himself.
Who wants to be 70 years old before they can enjoy life realistically; its not a given everyone even lives that long.
I understand his platform of preaching that message of delayed gratification but its good to reward yourself in the process too.
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SmashinYourWaifu
New member
i lol when niggas get in debt to own a civic
2stepz_ahead
New member
I need to make thread about credit.
problem is ....all y'all that say credit is bad is using it wrong.
I just learned something about credit and cash an it was a very costly an stupid mistake.
everything is about perspective
problem is ....all y'all that say credit is bad is using it wrong.
I just learned something about credit and cash an it was a very costly an stupid mistake.
everything is about perspective
Finances is all about moderation. Its stupid to make $300 a week and have a $400 car payment cause now you spending 33% of your income on one thing.
But, if you making 1200 a week, a $500 car payment is only 10% of your income on a major expense.
This man makes sense but he talks like his advice is meant for all americans. Its not true. This advice is only for middle income americans. You know how hard it is to save money when you get paid minimum wage and make 1200 a month? You pay for your car, rent, food, and you already in debt.
This is good advice for someone making money and needs help saving. But if you a part of the 70% of said americans who live pay check to pay check, you should be focused on finding a way to raise your income. Easiest way to do that is by going to school. Financial aid helps. If not fuck it get a loan. To me, its worth getting student loans if you are in school for IT, somethind medical etc... in other words, do your research and make sure you chose a good diploma and then invest in yourselves. Dont go to school just to go to school. If school aint for you, pick up a trade etc..
But, do not, if your making less then 3k a month, take this dudes advice and think your mistake is not being able to save.
But, if you making 1200 a week, a $500 car payment is only 10% of your income on a major expense.
This man makes sense but he talks like his advice is meant for all americans. Its not true. This advice is only for middle income americans. You know how hard it is to save money when you get paid minimum wage and make 1200 a month? You pay for your car, rent, food, and you already in debt.
This is good advice for someone making money and needs help saving. But if you a part of the 70% of said americans who live pay check to pay check, you should be focused on finding a way to raise your income. Easiest way to do that is by going to school. Financial aid helps. If not fuck it get a loan. To me, its worth getting student loans if you are in school for IT, somethind medical etc... in other words, do your research and make sure you chose a good diploma and then invest in yourselves. Dont go to school just to go to school. If school aint for you, pick up a trade etc..
But, do not, if your making less then 3k a month, take this dudes advice and think your mistake is not being able to save.
Crude_;9454630 said:One other thing to consider who do yall think bought his expensive luxury cars and sports memorabilia I see in the background, but he's telling you to live like a hermit and save money though.
It's a hustle.
Hes says some good stuff but yall should read between the lines as well.
how you know that stuff wasnt given to him?
just food for thought
Crude_;9454616 said:Dave Ramsey makes excellent points as always but he's a little too extreme for my liking.
He doesn't believe in any debt or buying anything you can't pay for in cash.
That is not reality he'll have you driving a 20 year jalopy paid for in cash, a small house the size of a couple studio apartments, wearing goodwill clothes, using a flip phone and eating chicken noodle soup every night.
That in my opinion is not living I live more by the motto "everything in moderation."
just want you to know, that we have no issues, just presenting different povs
but this shit here was spot on. I like his ideas, but he does come off one very extreme end of the spectrum
he comes off very black and white when talking about things like paying for school. I mean, imagine if we lived in a country that actually paid your tuition for going to college b/c they've sold you this dream that college is the route you need to go?
Imagine how many people would be off in better situations today.
and lol at people saying "student loans are an investment"..WHO is he talking to that talks like that?
everyone i know considered it a necessary evil.
powerman 5000
New member
lol vintage Dave.. 100
AP21;9454963 said:Crude_;9454630 said:One other thing to consider who do yall think bought his expensive luxury cars and sports memorabilia I see in the background, but he's telling you to live like a hermit and save money though.
It's a hustle.
Hes says some good stuff but yall should read between the lines as well.
how you know that stuff wasnt given to him?
just food for thought
Doubt all that ish was given to him, but I see what you are trying to say.
Crude_;9454991 said:AP21;9454963 said:Crude_;9454630 said:One other thing to consider who do yall think bought his expensive luxury cars and sports memorabilia I see in the background, but he's telling you to live like a hermit and save money though.
It's a hustle.
Hes says some good stuff but yall should read between the lines as well.
how you know that stuff wasnt given to him?
just food for thought
Doubt all that ish was given to him, but I see what you are trying to say.
im willing to bet ALL the memorabilia was given to him
not sure about the cars tho
nex gin;9454997 said:Dude used to be one our clients at my last job. I've got a couple of his books. Didn't watch the video, but everyone who I know who knows him says he has some great financial advice.
he does, but he does come off sometimes like a know it all and very condescending to callers
you gotta think, a lot of people are calling b/c they do not know...so why do you have to talk to them like they do?
