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That's true to an extent. Like a lot of things of a social nature, he's probably helping those people at the margins...you know the ones who know they're not on a good financial path, but who need that little extra something, whether it be education, motivation, or a clear plan. Just having a clear set of steps can help a fair number of people who wouldn't otherwise have the motivation.
So maybe, he's only helping a small portion of the population...but 1% to 2% of people is a lot of people. And when those people start changing their behavior, they set an example for others and the ideas spread.
Agree. His advice is targeted at those that have failed many times in trying to get out of debt.
dave ramsey and susie ormann cater to mostley those who have or are on the verge of committing financial suicide. many times the info isnt even correct but if it prevents someone from doing harm to themselves then it works as advice.
as an example how many times have you heard susie say dont take a 401k loan as your taxed 2x.. thats in correct, only the interest you pay on it is taxed 2x but if the advice works even in its incorrect form then its good for that group of people.
That's true to an extent. Like a lot of things of a social nature, he's probably helping those people at the margins...you know the ones who know they're not on a good financial path, but who need that little extra something, whether it be education, motivation, or a clear plan. Just having a clear set of steps can help a fair number of people who wouldn't otherwise have the motivation.
So maybe, he's only helping a small portion of the population...but 1% to 2% of people is a lot of people. And when those people start changing their behavior, they set an example for others and the ideas spread.
Unfortunately, it's a lot more than 1-2% of the population that is completely irresponsible financially. Creditaholics are his target audience, and they're a significant part of the population in the US today.
dave ramsey and susie ormann cater to mostley those who have or are on the verge of committing financial suicide. many times the info isnt even correct but if it prevents someone from doing harm to themselves then it works as advice.
as an example how many times have you heard susie say dont take a 401k loan as your taxed 2x.. thats in correct, only the interest you pay on it is taxed 2x but if the advice works even in its incorrect form then its good for that group of people.
For some reason, I like to watch Suze Orman and I liked to watch Dave Ramsey when his show was on. I actually miss his show. Some of the stuff that Suze says is incorrect, but it's geared toward the lowest common denominator. As I've said before, I think in general that those two are performing a public service, since our inability to manage our finances and live within our means have become a national security threat at this point.
i watch the can i afford it segment on susie then delete the rest
I like the new "How Am I Doing?" segment also.
The "Can I Afford It?" segment is sometimes laughable. People with thousands in credit card debt and virtually no savings asking if they can buy some frivolous thing they don't need. It's so hard to have any respect for people like that. They're the same people that want my money to bail them out of their stupidity, and blame everybody else for all their financial problems.
That's true to an extent. Like a lot of things of a social nature, he's probably helping those people at the margins...you know the ones who know they're not on a good financial path, but who need that little extra something, whether it be education, motivation, or a clear plan. Just having a clear set of steps can help a fair number of people who wouldn't otherwise have the motivation.
So maybe, he's only helping a small portion of the population...but 1% to 2% of people is a lot of people. And when those people start changing their behavior, they set an example for others and the ideas spread.
The "Can I Afford It?" segment is sometimes laughable. People with thousands in credit card debt and virtually no savings asking if they can buy some frivolous thing they don't need. It's so hard to have any respect for people like that. They're the same people that want my money to bail them out of their stupidity, and blame everybody else for all their financial problems.
Either that or someone who makes $40,000 a month asks,
"Can I buy these gold-plated nail cutters?"
Btw, my friend had her checking account wiped out bc it was still linked to her parents' accounts...her parents were cleaned out when they used their debit card.
There is no way in heck I would ever use a debit card.
The CC company (who does give me 1 to 5% cash back) gives me a layer of protection AND a 30 day free loan. Beans.
Sorry. I know too many people who have benefited from DR...he has turned their financial lives around. For a couple of them, it has saved their marriage.
So no matter what kind of weirdo he is, there are people out there who can thank him for helping them substantially.
Sorry. I know too many people who have benefited from DR...he has turned their financial lives around. For a couple of them, it has saved their marriage.
So no matter what kind of weirdo he is, there are people out there who can thank him for helping them substantially.
Yes, I know he's helped some people.
I was actually complimenting him - he found a need - a business niche - and successfully made a recession-proof business out of it.
I, for one, never needed him since my parents taught me well. And I thank my lucky stars for that
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