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No, even employer-provided health insurance that's partially employer-subsidized (almost all are, very few cover the cost 100%) is unaffordable if the premiums and deductibles are too high. Don't know where you've been, but many have complained about that since Obamacare skyrocketed premium and deductible prices.
Didn't for our employer sponsored health care.
We've been in the USA since 1997 -- and since that time we have had employer sponsored health care. Every year since then our health insurance premiums have gone up and we have gotten less. Also -- who we can see and what is covered has changed frequently -- before The Affordable Health Care Act.
I know friends who have seen outrageous increases in their insurance but they don't have employer sponsored.
I will say -- when Obamacare was passed, my husband's company ranted and raged and complained that it was going to be crazy more expensive -- and it hasn't been....they were anticipating trouble when there wasn't any.
I know we are relatively lucky not to see any drastic increases...but as I stated since 1997 every year we pay more for less.
Ha! I was never given that advice, but I sure wish I was way back then!
He's hardly a scam. As you just acknowledged, his methods are sound and they work. You can pick up on them for free just by listening to his show, which is free on the radio or internet. If not, you can spend a measly amount on one of his books. If not, you can pay to attend a seminar. If not, you can pay even more to hire one of his approved financial advisers.
The point is one can choose to pay, or not, in order to learn. That choice is up to them and what is required to get them up to speed. But to call his methods a scam is disingenuous.
"Pay one of my advisors an unreasonable amount of money to have them tell you to not buy a new car".
Yes, you have a choice. So did those who invested with Bernie Madoff.
Take his good advice and ignore the rest... Pay down your highest interest rate debt, first, and then work on paying down the rest? Sure! Don't live beyond your means so you don't have to rack up credit card debt? Sure! Just start there.
I have one car payment. I don't recall 0-2%. I have no other debt.
I agree with everything Ramsey says if you follow his ideas when your young starting out never be in debt or worry about money. It's a mentality not a money issue I have seen people who make 250k a year after paying all bills left over with $100. Some who make $20 an hour have $100 left over at the end of the month not about how much you make. Once you learn that easy to budget correctly.
"Pay one of my advisors an unreasonable amount of money to have them tell you to not buy a new car".
Yes, you have a choice. So did those who invested with Bernie Madoff.
Are you actually comparing Dave Ramsey with Bernie Madoff???
It's not much of a reply anyway. Take his financial advice or don't, that's up to you. Spend money on his products or don't, that's up to you. Since he provides all of his information absolutely free if you want it I don't see the problem.
When are liberals NOT mad at something? They have to be some of the most unhappy people on the planet.
You mean when the liberals are mad at the War on Christmas, Pizzagate, Muslims, Mexicans, Hollywood, AOC, coastal cities, Black Pather movie, and so on?
Oh wait.
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