This man saved my life

This man saved my life.

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his advice is common knowledge

>live frugally
>invest

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COMMON SENSE is UNCOMMON these days squirt. Everything is going to SHIT because the kids are given PARTICIPATION TROPHIES and are too busy playing on their PHONES

I've lost a lot of gains listening to this man.
I get it debt is not necessarily good, but moving from a 30 year to a 15 year mortgage like he suggests dropped my available income to invest. I missed a lot of the Dec 2017 bullrun because of this.

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and if my interest rate on my house is 3.5% why not take my extra cash and invest and earn 10% plus instead of using the extra cash to pay down the debt

Dave Ramsey is for retards that can't manage money. If you're not in massive debt, there's no reason to listen to him. That's nothing against him personally, but his target audience is double-digit IQ.

Okay...You need to make 100x what you make now, go get a better job

Why does he feel that he doesn't deserve to be happy?

he always sides with women overspending
christian simp

Yeah, I disagree with Ramsey on this.
Get the 30 year mortgage, make double payments.
If shit happens you can use your emergency fund to bail you out in the short term and go to regular payments on the mortgage until you've bailed yourself out and gotten your emergency fund stocked up.

people know it. they are just weak-willed and need someone like dave ramsay to coax them into being responsible with money
he's there for validation and reinforcement

Exactly, but he will never hear this argument.
He will only hear you must be debt free before you do anything else.
With interest rates at record lows and no sight of them going back up anytime soon it makes sense to use leverage to your advantage.
In a perfect world with gold backed currency his advice is excellent. But when ((they)) manipulate the entire monetary system to their advantage, you're crazy if you don't play the game too.

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This guy is a shill for overpriced real estate. He teaches you how to get out of debt, and then he literally tells you after you get out of debt to go and buy a fucking house like its some foolproof way to get a high ROI. He literally shows you how to climb out of one hole so you can fall into another. Smh

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Based boomer

he recommends condos for older people which is bad advice

condos have home association fees that akin to paying rent every month even after you have bought your condo. my mother lived in one

that are akin*

You've clearly missed the point.
You don't buy a house to get a ROI. You buy it (and pay off the mortgage asap) for security, so you can focus on other investments without worrying about future.

dave ramsey doesn't live frugally himself so why should you go to him for advice he doesn't practice?
he buys like 6 million dollar homes and shit

Based

>pay HOA a few hundred bucks to handle property maintenance like lawn and pest control
or
>rely on your own frail body to do that shit and injure yourself or get fucked by a contractor who will rape your wallet because you're ignorant.

dave ramsey got rich from being a financial guru and selling books and not from being an investor or a businessman or a frugality advocate

This man saved mine

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HOA only pays for community landscaping and shit. if you have your own yard, you'd have to cut it yourself or pay someone else. HOA is cancer. bunch of boomer faggots enforcing the gayest rules.

or you could keep it the way it is and let it become dirt which is what i do

Lol checked.

>tfw 18k student loans

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Based

What's the recipe?

You midwits don't realize that Dave is for brainlets who can't balance a fucking checkbook. He is and has said for people can't manage debt properly. If you can responsibly pay off your credit cards and save you don't need Dave Ramsey. You're operating at a level of financial complexity that dwarfs 100% of his listeners.

I'm one of those brainlets. But I turned it around using a lot of his advice and now am debt free and I have about 200k saved up. Almost enough to pay cash for a house and I want to buy one next year. But now I'm torn if I should follow through and buy one in cash or break from the plan and just make a minimum down payment and invest the rest