Dave Ramsey is right

just settle down and get a 15 year fixed rate mortgage NO MORE than 1/4 of your take home pay, max out your IRA and invest in index funds. You'll be a millionaire by 65!

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he's unironically correct.

Sure, a millionaire when it literally doesn’t matter anymore.

65 lol Wife and I are damn close and I’m 25.

If you have a mind for family legacy his advice is quite good. Once you part with the idea that you deserve to be rich tomorrow and start to think about the future of your bloodline his ideas start to make a lot of sense.

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Imagine thinking the dollar will exist when you're 65

C O M P O U N D interest is the real deal. He doesn't give people advice on how to make the most most money possible, but he is just trying let people middle class people know they need to think about investing more than the bare minimum for their retirement.

I'm gonna be a millionaire by 30.

Your son will waste it all on hookers and blow cause he never had to earn it to begin with. You'll die with a bad back and having lived a frugal, boring life.

>just settle down and get a 15 year fixed rate mortgage NO MORE than 1/4 of your take home pay,
lol I make $82k a year and if I followed that rule I wouldn't be able to buy more than $100k of house. So basically I could buy a rotting mobile home on a quarter acre lot in the middle of assfuck, nowhere.