Listened to Dave Ramsey and stayed out of debt and built up a 3-6 month emergency fund this whole caronavirus shut down period would be more like a vacation. Me and the wife are both still working, albeit less right now. But we’ve been enjoying catching up on things around the house.

Any Dave followers here? I bet he gets a few more after this is all over.

Yeah I'm a fan and I will be taking my money more seriously after this. I had been generally doing the right thing but taking my sweet time. Learned my lesson.

I always take my money seriously. These times are no different.

Im considered essential personnel, the beat goes on.

Me too, which I find kind of funny. But think about how much different this situation would be if we didn’t have to bail out everyone who can’t make next months rent or mortgage payment.

I was doing the Dave Ramsey thing when no one had heard of him. 1998-99. Ran his show out of a nashville talk station. Our family attorney knew him and gave me his book.

Mid 20s, took every extra biz opportunity I could do in 12-15 hour day, then go work nights killing roaches.
Had a govt county job in pest control, a roofing business, rentals, my own pest control licensed work for the other half of the day.
Set up a couple of my rent-a-drunks and high school boys to run the roofing, I pop in flash a chimney or lay a valley, put on Superman’s cape and go back to my other worky job or another project across town, cut, sold, delivered 25-30 cords of firewood in the winter

Wife was doing dental hygiene for dentist, she sold real estate, helped with bug business, managed rentals for her uncles, ran a Dalmatian dog puppy mill

killin it

paid the house off, paid off some spec lots, everything that had wheels, unsecured debts

Last new vehicle I’ve bought off of a lot was in 1995.

Government thinks we’re essential, but those dang customers don’t seem to think so...!

I like listening to Dave. Having a good cash reserve at home is making this a little less hair raising. Just wish we’d have had six more months to build up a bigger cushion in the biz after some setbacks took it away last year.

I have always been conservative and saved money.................I like the Ramsey's Ideas........I just don't like him.........he sounds like an A** H***. This this was not caused by the people who did not save. This problem has been going on for many years..................people said my finances are OK.......but I will keep voting for politicians who keep increasing the national deficit........this was coming sooner or later. At some point, if this virus did not happen, the country would have gone broke sooner or later, but people were OK with the country running debts.........sooner or later it always comes back. While I'm on this tangent credit was to easy to get..........kids should have never been allowed to borrow so much money for college, should never have been allowed to borrow so much without collateral.........that would have also kept the cost of college down. When i got my BS you could go to college for 1,500 books and tuition. I assume in the 1960 people could not borrow so much for a house and car in relation to their income? However, i may also be full of it.

I am not really a Dave R. truther (don't NOT like him either), but much of his platform is just common sense; No high interest debt, have an emergency fund, save......

But part of it is also common sense. An $120k degree to be a hotel chef, or history teacher might be a bad decision.

Choose a career that is recession proof, or resistant. Or, if college isn't your thing, study a trade.

Other than my (newly refinanced 2.75%/10 year) mortgage I haven't had a loan higher than 0% interest in a decade. We run a tight ship, cash flow is king, and we have slowly run up a large cash on hand reserve for emergencies, (~2 years living expenses) that I am slowly filtering back into these depressed markets.

Healthy, and educated in the appropriate markets helps. It's not all in our control. Accidents happen.

We have taught our young son (25 y.o new college grad professional) to hope for the best but plan for the worst. He is in lock down and left Vegas to hunker down with us in Colorado while we ALL work remote. He is a bit wide-eyed as this is his first 9/11..... dot-com bust..... all the stuff we have been through.

I used to blanket subdivisions like a mini normandy invasion

If I knocked on your door, I was going to sell you a termite job, a flea treatment, a new roof, some replacement windows, some foundation or attic ventilation, a vapor barrier in your crawlspace, a monthly pest control contract, a deck, a privacy fence, tree work.

Them ones that have them No Soliciting signs, those schmucks are pushovers. They can’t say no. Hahaha

If you were rude, I sent my wife’s Uncle Harold out, he sold Kirby vacuums. Holy fugk, he’d rip you a new one. lol

Don't know a Dave Ramsey, but learned after 2008 as a construction worker 6 months of money wasn't near enough, even when I stretched it to 2 years and out hustling illegals for a chit 1 day job every couple weeks.

If you are over 45 and don't have 2 years worth of cash/bank you are a fool.

Kent

So,....you're an Irish traveler?

I like what you have posted in this thread but I have a No Soliciting sign in my door and if you keep talking past the door slamming in your face, knock again, or try to push your way in a .44 mag would be in your snout, pronto.

Jeffrey: Your man "Dave" is right in his intentions and contentions but sadly many folks won't comply.
For a variety of reasons.
I have been completely debt free for nearly two decades now and I had never heard of "Dave" until a couple years ago.
I honestly TRY to listen to him on occasion but he is so repetitive, boring and uninspiring (kind of like "slimload" here on!) that I can only take a few minutes of his monotony!
So he is correct but VERY unpalatable to me (again just like "slimload"!).
In fact as time goes on I find that I resent him more each time I try to listen to him (again just like "slimload"!).
Hold into the wind
VarmintGuy

Honestly, I'm retired and my life hasn't changed much except my girls are trapped here! I'm actually getting things done just to get out of the house!

I’d try to catch most of em out in the yard,

All in all, might only see one of those signs in a subdivision of 500 houses.

Was a common gag among the Orkin guys, to try those houses. More of a dare. lol

I have met a few salesmen like you claim to be. The first one fugged me out of $1200 for a Kirby back in 1983 soon after our wedding and I was hoping to please the bride. But we really could not afford $100 for a vacuum at that time.

By the end of the month I figured out how badly I had screwed up, and have been absolutely immune to salesmen of any stripe since.

Knock on my door? Fug YOU, it's my house. Get the FUG out!

Call my phone? I'll do my best to keep you on the phone for a solid hour. But you ain't gettin' a dime out of my tight ass.

Good info from an expert, I appreciate it! I'm sure you take your no trespassing sign seriously on your place. Same, me and my No Soliciting sign. I'll paint it on a tire and toss it on my street lamp in front of my place where it will get better viz from the Kirby guys.

I like the Dave Ramsey show. I find it entertaining, listening to all the people that call in. I am shocked at what some people cannot figure out on their own. Shocked again at how many of them think Dave's system and steps are the magic and dont understand what is really happening with their finances.

Know several folks that are following him now. They were dragging out their get out debt time, taking vacations and hunts etc, but trying to do the steps to the program too. Getting caught right now with only $1000 in the bank has been rough on them. They are all vowing to hit it hard once things get back to normal and not do the slow and steady method anymore..

I know this will sound bad. However it's much easier for a single man to be financially conservative, I may buy the occasional gun...............but for the most part, women are terrible about spending and saving...............not always, just as a general rule.

some don’t like Ramsey

because he will tell you flat out that you or your wife was a moron for getting a $100,000 music degree.

And no one wants to be told that they need to step out on faith and leave a crummy job for something better or pick up a second job to clean up financial hiccups

Women have a special, extra lobe in their brain that requires shopping. Even for frivolous garbage.

It’s like a hamster that has to gnaw on something or those incisors continue to grow.

Luckily mine works her tail off.

I hear what you’re saying about Dave and I agree that his shows are a lot of the same stuff over and over, but I think it’s damn hard to shoot many holes in his plan. The wife and I have the mortgage still, but we built the house last year and we’re already a third of the way through the mortgage. Other then that we have no debt of any kind, interest free or not. After reaching this point I’ll never go into debt again with the exception of a mortgage on a ranch some day, which Dave says is okay. 😊

That’s a true statement about people getting rubbed the wrong way and not liking someone even if that person is right. Happens all the time to me in my job. Some people are just sensitive when it comes to the possibility that they may be wrong or not know everything about everything.

Gypsy schitt right there!😁😁

I had a girlfriend once who wanted a new car, i said "what do you want a new car for, yours is working isn't it".......she said yes "but everyone at work has a new one" I think I just stared at her, in my head I was thinking "you crazy bitch". that one lasted about 3 months.

Dave Ramsey couldn't carry Bruce Williams' jock strap when it comes to financial advice on the radio.

I never sold anything to someone that didn’t need it. If you had termites, I’d drag the husband under that crawlspace and show them mud tunnels, live insects, damage. . Always had extra coveralls.

If your roof was baked, I know I could sell you a job $2000-3000 cheaper than Sears Home Improvement would break it off in your ass. And I had real references all over,

You didn’t pay me a dime until all the work was finished, I wasn’t some scab picker that needed you to pay for the shingles first at the lumber yard. lol

I picked a good one. She is the daughter of a retired copper mine top exec. My Father In Law started as a laborer in a southern Arizona copper mine, with his High School diploma - the most education (on paper) he ever achieved..

Finished a "few" years later as a top executive and world-wide consultant in the copper industry. He is still in the same 1,000 sq ft house in the southern Arizona mountains. Worth millions.

If you invest in a copper company that smelts, he designed that technology from the ground up - most of the world adopted his design.

He is in his 80's still drives an old Jeep Cherokee to the little mom-and-pop mexican food joint in Mammoth, AZ they have been going to for ~50 years..

So my wife gets it!

Does she have a single sister?

I got a ton of work from title companies, realtors, banks

I’d pop in and talk to the loan originators or agents, they say heck yeah, we’ve had to put off a closing for 2 more weeks because we can’t get to guy that gave us an estimate to come back and do the work.

Places like that would get a punch list from a VA or FHA inspector or home inspector. They couldn’t get one person to do everything on their list.

They didn’t want fool with Herman the plumber that only wanted to fix the garbage disposal but was too fat and old to replace the pipe boot flashing on the roof.

I’d get the list and me and my goon squad would be over there till 2am painting, plumbing, fixing loose screws, etc.

Creative flows of income. You can sleep when you’re dead.

Dave Ramsey is a miserable little prick.

Oh my..... did you lose your lunch money?

I spent it on tacos from the Mexican place. The real one, not the one for white people. They were awesome.

Meh. Decent intentions. With an agenda for sure. But not some hateful "little prick" as you suggest.

Like I have said, not a follower or fan but I appreciate parts of the message.

Your post, on the other hand, suggest a very deep seeded personal issue that the 24HCF probably can't solve in your singular, cryptic post, Mr. 3.14159265359

Of course I have deep seated personal issues. Everyone does.

Are you by chance about 85 years old?

Mmmm...pie

Mmmmmmm...pi.

It’s illegal to solicit anything in my city. You show up at my door & get on my nerves, the man in blue will come to greet you hurriedly.

Serious question...did you have kids back then????