502
As a bike rider, I forget this is a thing. Asked my neighbor, he pays $350/month in insurance alone 🙃
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this post was submitted on 29 Oct 2024
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Fuck Cars
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Dave Ramsey is a hack.
Is he the idiot who demands you only pay for things in cash and store it in labeled envelopes?
Doesn’t that 1950s(?idk) advice kinda work for some people?
“Demands” though that’s odd
Dave Ramsey has excellent financial advice for a certain type of person. I bet 90% of people reading this need Dave Ramsey style advice.
He's right for most people first beginning to improve their financial health. He has probably gotten more people out of debt than any other 'guru'. If that's a hack, so be it, it works.
He once fired a pregnant employee because she wasn't married and therefore must have had premarital sex. They've fired 9 people for pre marital sex. Wacky
Nah he’s alright. There is no nuance in his advice but for the majority of his listeners that’s probably a good thing.
Yeah he has some shit personally takes and I hate the way he runs his company. He does give pretty decent financial advice though
No he doesn’t.
I can give better advice in a similarly easy to consume manner, applicable to most.
Invest in a low cost target date fund. Look at Vanguard target date funds for examples and pick a year close to your expected retirement date.
Pay your highest interest debt before lower.
Both of these pieces of advice make you more money than doing what Ramsay says and are equally easy to understand.
Yes, but do people do it? No.
Do people actually do what Ramsey suggests, even if it isn't mathematically perfect? Yes.
You're under estimating the human factor.
All you need to know about Dave Ramsey: i worked on his Jaguar XK.
Is that a particularly expensive jaguar? When I was car shopping I saw some jags for 20k or less so owning a Jag means absolutely nothing when it comes to wealth.
The trick is that it costs an absolute fortune to maintain them, that's why they're cheap used. I believe there Is a saying that goes something like "the only car more expensive than a luxury car is a used luxury car"
broken clock tho
Time is continuous, not discrete
Well most clocks are not continuous though.
Yeah but what if the clock is broken so it's like 15 minutes off all the time? Then it's never right. The right twice a day is just big idiom propaganda
That's...the point of the saying.