Isn't dying poor a good thing? I don't want to live poor, but you can't take it with you. I'd ideally spend my last dollar right before taking my last breath.
this post was submitted on 25 Mar 2025
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The problem is when you spend your last dollar but still are breathing.
The goal would be to spend my last dollar prior to ending up in a hospital where I die and the medical bills go poof.
Problem is, that you normally don't know how long you'll live and cannot plan accordingly.
I know when I'm going to die, because I'm an independent free thinker. I refuse to face my death on anyone's terms but my own. I intend to live a rich and fulfilling life, watch my family grow, and then end it at a time of my own choosing, after giving all of my grandkids the tools they need to go on without me.
If I died to any means but suicide, I wouldn't think it fair. You can't fire me, I quit. It's my life and I'm going to be in control until the last second.
You goober, even if you're planning on offing yourself you can still die randomly before that.
That's true, but irrelevant. We're talking about managing retirement funds. I'm not going to live longer than my retirement funds last. Dying earlier doesn't change that.
And if I did die of natural causes, it would be a tragedy. I only want to die by my own hand, I don't want chance to take my death from me.
that literally wouldn't matter to them, if OP responds i would bet you a lot of a fucking money they would simply say "ok and?" and then leave.
Big brain comment right here. Did you write that before or after seeing OP did that? Did you write it before or after seeing that I told someone I used the term goober because I was keeping it light hearted?
The audacity to use the word goober as an insult in a comment this stupid is baffling.
Of course you're right. Obviously.
Did you not get the point?
I'm using goober specifically because it's not insulting. It's light hearted.
Inheritence and/or charity
Dave Ramsey's advice is only ever applicable to those who are terrible with self-control. If you have at least mediocre self-control, carefully managed debt can be a boon
Dave Ramsey is a bigotted, sexist, racist piece of shit who got rich running mega churches. Ie: scamming people and the government.
He's fired people because they've have children out of wedlock. The whole company is a cult.
Doesn't that describe pretty much everyone in finance
The average person in finance has different flaws than this particular douchebag.
Hi. I'm an person in finance. Fuck Dave Ramsey. He gives decent financial advice, but the way he shoehorns God into financial matters so frequently was off-putting to me, even when I was a Christian. That, and he's a racist, bigoted POS.
If you're in the middle class, his baby steps are somewhat solid stuff, though.
- Learn how to write a budget. There are sites out there to help you with that. Personally, I've found I like a spreadsheet best.
- Reconcile your accounts daily. Know where your money has been and where it's going.
- Squirrel away some cash. A grand ain't much to have, but it's a fuckton to owe.
- Don't drive glitzy cars. A '99 Corolla gets you there just as effectively as a new Tahoe.
- Get out of credit card debt ASAP. If you can't pay cash for it and you don't need it, you can't buy it.
- If debt is crushing you, use what windfalls you can get to pay them down.
- Eat out less. Cook at home more. Not only is it less expensive, it's generally healthier.
But saving six months' expenses and paying off your house early........yeah, that's not feasible for at least 70% people. Especially renters.
The truth is Dave's screeners do not let anyone through if his program can't help them. I mean, a single parent in a rural town whose boss won't pay them enough to survive and whose economic prospects are so limited that "just get a better job" will never work because there aren't any. People who must rely on the generosity of others to get by and will be completely fucked if they lose their government assistance. Or worse - their job. There's no financial advice that can help them. Because we live under an economic system that can't operate if those at the bottom aren't going through untold suffering and can be helped by "drive an old car, eat beans and rice, and just get a better job."
At that point, it's not the fault of the person. It's the fault of the system. Dave isn't the problem, but he's certainly a complication.
Like how some banks go "save a coffee now, buy a house in a year"
Financial advisor Dave Ramsey Snow
His advice on living within your means usually includes gratuitous torture porn. Yet he always forgets plot armor won’t protect you from financial mistakes.
I haven't actually directly consumed any of his content but from what I've gathered over the years it sort of feels like advice targeting addicts. The same way it may sound strange to tell someone to never ever ever drink a single drop of alcohol ever but it makes sense if you know they're a recovering addict.
But at the same time, there's just some pretty bad advice too. Along with some common sense good advice.
The only Ramsay I listen to is Gordon.
The only Gordon I listen to is Freeman
[insert curse words here]
You shouldn't listen to him either. He's just a TV personality. In reality, he's absolute shit at cooking.
Dave Ramsey is a horrible person. His office is in the Nashville area... There's always a story in the news about his office and it's policies
Have a look.
Sorry for the reddit link.. https://old.reddit.com/r/nashville/search?q=Dave+Ramsey+&restrict_sr=on&include_over_18=on
i assume the caller is an american
What Dave heard
Im 8, i have $17 in my account, ive been wanting to get this car - can i afford it?
Dave needs to get his hearing checked.
Budgeting is easy when your budget is always zero.