By the OP metric, Yes - middle class. And a Millionaire according to Dave Ramsey. Sure doesn't feel like it. Wife and I drive 10 yr old cars, live in the same house for 25 years and live within our means. Bidenomics has taken a serious toll on our expendable income.
Dave Ramsey is an idiot.
Y'all besties then? You know, birds of a feather and all.
DR fills a need. Many people do not get any financial education from home whatsoever. Try to imagine what it's like for someone with maybe a 9th grade education or less that works hard, makes a 'decent' living but just doesn't understand finances. Often they wake up one day and realize that they are in way over their head, upside down in every direction. CC companies and financiers make it so damned easy to do.
If those people will follow his advice it helps tremendously.
As for the people that get in over their heads with intent, I've not a fuq to give.
