I had never seen the spousal interview for every employee, management many times, but never for baseline workers.
For all you Dave Ramsey lovers....
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that’s what I’m saying. I mean the pre interview process alone would make me go ummm this place seems a little nuts, I’ll pass. I never like when people agree to a crazy situation and then complain about the crazy situation. It’s no secret that Ramsey is a pretty hardcore Christian. In fact if some of these televangelists lived their life’s like the Bible I would actually respect their nonsense a little more.
Again as I said the “good” parts of Ramsey are not complicated and just basic foundations of personal finance. I am not a fan of the snowball method. Debt stacking or the avalanche method are better. I also hate his stance on credit cards. Credit cards are tools that can be used for significant benefit. I never use cash unless I can’t use my credit card. It also helps as I have electronic records of my spending. I never carry a balance so it costs me nothing.
Here is the thing whenever people bring up Ramsey his defenders always say he is simplistic for people incapable of intermediate financial literacy. Don’t listen to him on stuff if you are past that stage. This is a perfect example. Assuming they didn’t actually carry a balance who cares that they have it.
On the second part: you lied to your employer about one of their hiring rules. You may not agree with it, but it is their rule. Don't get a job from deceit then complain about it afterwards. It shows a tendency to dishonesty, plain and simple. I don't care if he says you have to be left handed to work there, don't say you are and then complain about it because you aren't.
Edit: On the part about CCs. I have them and pay the balance on the due date, but unless you prepay the credit card or pay off what you charged when you get home, you carry a balance. If you charge a thousand each month and pay off the monthly balance when due, you carry a thousand dollar balance because the due date is a month past and the balance is 2k by the time you pay the thousand off. If decided to not charge anything for a month, you will still have a payment for the next month.
I mean I don’t really disagree in that part and I don’t really feel sorry for them. That isn’t a defense of Ramsey though. That’s just blaming the victim of an abusive workplace.
I listened to him as I had a lot of windshield time and podcasts weren’t really a thing yet. 100% agree that he is good for basic finance but it is over simplistic beyond that.
He always bragged about becoming a millionaire twice since he was bankrupted the first time. There is no way he accomplished this using his methods. Financing that he never speaks of came into play somewhere.
Also,he always seemed overly optimistic that there was a surplus of mechanically sound $800 vehicles waiting to be purchased.
I used to listen to his show. When we were in our mid/late 20's we followed the debt snow ball advice (had never been taught this strategy in school), and we paid off our debt (student loans, credit card, car payment) a lot faster than I thought we ever would. We've also done the cash only thing and I found that we did spend a lot less money. However, don't really agree with the whole "have to pay for cars homes, and college with cash or else you can't have it" philosophy. That's just not feasible for a lot of people.
My son came home with a Dave Ramsey financial literacy workbook from school in 6th grade. It had a lot of good financial concepts and information in it. Then again, I had to tell him about the pay for everything with cash and never borrow money deal. He told me his teacher told him the same thing that I had just told him. So that was good to know.
I don't know about how he runs his business, but It's his business, not mine. I guess I would probably never work for him, but a lot of people would. Who am I to judge? I'm sure working for Google or Facebook is similar. Just in different ways.
My son came home with a Dave Ramsey financial literacy workbook from school in 6th grade. It had a lot of good financial concepts and information in it. Then again, I had to tell him about the pay for everything with cash and never borrow money deal. He told me his teacher told him the same thing that I had just told him. So that was good to know.
I don't know about how he runs his business, but It's his business, not mine. I guess I would probably never work for him, but a lot of people would. Who am I to judge? I'm sure working for Google or Facebook is similar. Just in different ways.
That brings up a good question, who is the victim in that one instance. Technicallly the person who got lied to was the victim, so in this situation Ramsey was the victim. It's like taking marriage vows and pledging to be faithful (which I'm sure Hogan did) and then not being faithful, the victim was Hogans wife. In this situation, it woud be like Hogan blaming his spouse. In full bluntness, I don't really care for Ramsey, but for a large percentage of the population, his stuff works.
The best statement I've always heard about people is, people expect to be treated how they honestly treat people. If someone expects that someone is going to screw them over when they deal with people they don't know or barely know, that is how they treat people; they are looking for ways to hose people. People who trust upfront, are generally trustworthy people. Finances generally are best when they are as simple as possible. Complex and several layered investments or finacial tools are generally just a mess and a headache and a way to avoid doing what should have been done in the first place.
Something like Financial Peace University should be a required course for Congress.
Right people on here are like "people knew what they were getting into when they decided to work there", that doesn't mean I can run a very transparent infant fight club as a business.
My parents followed the baby steps. Put 3 kids thru college with minimal student loans, have only had two car loans in 30 years of marriage, have a paid for house and retired at 60. They are about to spend all February in south Florida.
All of that with my mom being a stay at home for 2/3 of their marriage and my dad never made 6 figures until he was in his mid 50's.
Dave may have a different office culture. But the basics that he preaches will lead you to success.
All of that with my mom being a stay at home for 2/3 of their marriage and my dad never made 6 figures until he was in his mid 50's.
Dave may have a different office culture. But the basics that he preaches will lead you to success.
While the debt snowball doesn’t make economic sense, the psychology behind the faster, more frequent rewards (paying off debts) and fewer debts to manage is what makes it work. And it does work.
It’s crazy, though, to me that just because his advice has been successful for some that so many are willing to write off what sounds like Scientology-level invasive cult nonsense.
It’s crazy, though, to me that just because his advice has been successful for some that so many are willing to write off what sounds like Scientology-level invasive cult nonsense.
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