Been following for awhile, but I only stop by a nd read like every week or so. I noticed you quoted Dave Ramsay in one of your posts. Personally, I think the guy is a scam. You don't seriously listen to him do you?

Dave Ramsey is great philosophically about money. Like, in a broad way. Specific advice from him gets more iffy. I love his hatred of debt and plan to get out of it, but his investment advice is TERRIBLE. He is a shill for expensive mutual funds, for brokers selling one type of investment product over others that might be better for the clients (elps, he calls them). Ramsey gets paid for shilling these and you pay for buying into them, a part of which then goes to Ramsey.

So, he’s working for his money, which comes from yours.

The returns he claims that are possible, even common, on these investment vehicles are not only incorrect, but so incorrect as to be comical. Out and out lies, basically - and he positions himself as a religious man…

So, yeah, maybe he is a scam. Get out of debt, tho. Cut up those credit cards, etc, but stay the fuck away from Ramsey’s investment advice.

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