In high school, I had a class called 'dollars and sense', which was literally just Dave Ramsey seminars. If I recall, the whole class was just track income and debt, budget, and never get a credit card. Also, only invest in mutual funds. One bit of advice of his I always really like: never lend money to family or friends. This will create a creditor-debtor relationship that will hurt family. If they are really your family or friends, then just give them some money.
This clip seems awful. Perhaps it is lacking context? Or maybe he is just a piece of shit.
they play this guy on the radio and it is just basic financial advice. "Pay debt because interest" level stuff. He doesn't seem completely awful but he's at least a bOoTsTraPs guy. Doesn't ever consider that people can be suck in debt situations that are mathematically impossible to get out of because of low wages (ie wage slavery).
I remember a high school class back in 2015 where we watched Ramsey clips and he said that if you go to the store, you should try to negotiate down the price by showing the cashier and/or seller that you have cash on you.
If I recall correctly, he was basically saying that, when at someplace like Best Buy, and you are buying a device, you should emphasize to the representative that you have cash. This way, they know that you can pay most of the price there. As a result, you could negotiate a lower price, since they would be getting money right then and there.
I'm just picturing some person who makes most of their money off of commission having to deal with somebody who is only willing to pay just over half the price of an object, while acting like it is a tremendous amount, since it is in cash.
Pretty sure it's the latter. I doubt, for one example of many of his problems, he genuinely doesn't understand that people could not have parents to mooch off of and avoid having to take on debt to survive.
Seems he just likes giving his predominantly white Calvinist audience a reason to believe they're morally superior following his financial advice because it fits right with their belief they're God's chosen. His one-size-fits-all edicts are either laughably naive or (I'm betting on this one) pretty contemptuous of anyone in poverty.
Whether it's a grift or his true beliefs, I lean heavily toward "piece of shit".
In high school, I had a class called 'dollars and sense', which was literally just Dave Ramsey seminars. If I recall, the whole class was just track income and debt, budget, and never get a credit card. Also, only invest in mutual funds. One bit of advice of his I always really like: never lend money to family or friends. This will create a creditor-debtor relationship that will hurt family. If they are really your family or friends, then just give them some money.
This clip seems awful. Perhaps it is lacking context? Or maybe he is just a piece of shit.
they play this guy on the radio and it is just basic financial advice. "Pay debt because interest" level stuff. He doesn't seem completely awful but he's at least a bOoTsTraPs guy. Doesn't ever consider that people can be suck in debt situations that are mathematically impossible to get out of because of low wages (ie wage slavery).
I remember a high school class back in 2015 where we watched Ramsey clips and he said that if you go to the store, you should try to negotiate down the price by showing the cashier and/or seller that you have cash on you.
Has Ramsey never been to a retail store anywhere in the US?
That sounds like something I would do. Ask to speak with the manager “but I’m willing to pay with cash”
If I recall correctly, he was basically saying that, when at someplace like Best Buy, and you are buying a device, you should emphasize to the representative that you have cash. This way, they know that you can pay most of the price there. As a result, you could negotiate a lower price, since they would be getting money right then and there.
Dope. That sounds like so much fun.
I'm just picturing some person who makes most of their money off of commission having to deal with somebody who is only willing to pay just over half the price of an object, while acting like it is a tremendous amount, since it is in cash.
I was thinking like a grocery store just to be funny
Pretty sure it's the latter. I doubt, for one example of many of his problems, he genuinely doesn't understand that people could not have parents to mooch off of and avoid having to take on debt to survive.
Seems he just likes giving his predominantly white Calvinist audience a reason to believe they're morally superior following his financial advice because it fits right with their belief they're God's chosen. His one-size-fits-all edicts are either laughably naive or (I'm betting on this one) pretty contemptuous of anyone in poverty.
Whether it's a grift or his true beliefs, I lean heavily toward "piece of shit".