When I took FPU, one thing I couldn't get past is how weak Ramsey's system is against the fragility of life. Regardless of my financial situation, my life could be gone tomorrow or my quality of life greatly diminished due to an accident, etc. If I decided to spend the next 10 years waiting to live and only eat rice and beans and never go out with friends or go on vacation and then died tomorrow, my life would have been so empty just because I valued my net worth more than my life's worth. Yes, I want to attack my debt with ferocity, but there is a balance in everything. I refuse to work myself to death just so I can have nice things and do fun things when I am too old to enjoy them anymore. There is more to life than money which you would think a proclaiming Christian like Dave would agree with.

I'm so happy you put out this video. As someone who followed him in the 90s, I just have to say how much more debt I got into because of his advice. $1000 wasn't enough back then, either. He's really a big pile of condescending poop. 😂

But as bad as his financial advice is, nothing is as bad as his personal views, firing a woman for being pregnant while unmarried. And he claims to be pro life. Can you think of a better incentive to get an abortion than to hide it from your boss to keep employed. And what better way to show how much you support mothers and your commitment to life than making the baby start out life with a mother with no income, because Dave Ramsey didn't think the mother was perfect. Well, no mothers are, so he could always find something.

You are such a breath of fresh air in this toxic finance space. Thanks for shining your light!

I've had multiple emergencies that cost over $1k since I started budgeting. If I followed his plan, I wouldn't have the money to fix my water heater and furnace when they both broke in the same month. Absolutely ridiculous to think his plan is universal.

YES!!!! Everyone needs to watch this video. As someone who is trying to get their finances under control Dave Ramsey and other Finance Gurus make me so disheartend. It just doesn't seem sustainable unless everything goes perfect and well that isn't life. I know one person who has done FPU but they also made upwards of 100,000 a year. Very different then someone making 35,000 or less working customer service jobs. Contiue your message, girl! As soon as I save enough money, I definitely will be looking into your course. My wife and I are looking to really start focusing more effort towards paying off debt.

Amen sister!!!! Nobody should be proud to have not learned or changed anything in 25 years!!!!

Thank you for being more relatable than Dave Ramsey. I appreciate you and spent the last few hours at work listening to your advice and learnt that my credit card is NOT an emergency fund. Thank you

When an finfluencer gets close to Dave Ramsey, I side-eye them a little bit

It’s about whether you stick to it or not. My best friends are multi millionaires from doing his baby steps. We are following him now. If it works don’t fix it. Nothing wrong with not changing stuff that works.

Omg yesss, so well said. Gosh, hearing someone else say this out loud felt kind of healing, so thank you!

Anyone who says the system doesn't need to change is not directly affected or oppressed by the system in place. He can preach all he likes, but the fact is he has a fuk ton of privileges, and he didn't get to where he is without implementing those privileges, and stepping on others. He treats people like they are the problem when he, and people who share his ideals, ARE THE PROBLEM. He claims people got themselves into "this mess", when the mess in question was designed by a capitalist system that rewards the already wealthy [read as: generationally wealthy] and tears down the rest while simultaneously reaping off their hard labor. Why change the system when it works soooo well for him?

Hell to the yes!!!!! Excellent video!!!! Glad im not the only one droppin' f bombs about this crap. Totally felt you on this one and i cant stand this man. Thankfully we have more than $1000 in our emergency fund!

Dave should warn people that if you eat nothing but rice and beans for months, you don't get a million dollars, you get scurvy. Enjoy your bleeding gums and slow, painful death! (But dying with less debt is...winning?) I also find it amusing that he just cannot fathom that not everyone *wants* to be a millionaire. In the unlikely event that I ever have a million bucks, I'd much rather feed the hungry than swim Scrooge McDuck style in my giant swimming pool full of cash.

Well said, it had to be said and it was said!

Thank you for this video. At first I didn't think Dave was that bad. But when you started explaining how neurodivergent people experience this stuff differently, it clicked for me. I've always punished myself harder than anyone for buying a $4 coffee when I'm struggling to make ends meet. Going to watch more of your videos! ❤️

The biggest financial cult leader in existence

I’ve just found your channel, thank you for your down to earth views, I tried DR and couldn’t do it , I have FND and my brain isn’t normal, DR doesn’t understand people with mental health or neurodivergent brains, the whole 7 steps needs updating for today’s generation

the way he saying broke is that people that have debt overspend can’t even buy bread . it’s call trying to keeping up with jones.

I if I would have tried the Baby Steps, last month we would have been in big trouble. Our boiler went, and our cat needed vet appointment, and we have had to downsize my moms living situation. We could have handled 1 BUT NOT ALL 3!

I customized my own intensity. It was still very sacrificing and intense. Trust me. However, my son deserved a great senior year of high school and a comfortable first year of college and I took on the sacrifice myself. I lived frugally and paid off over $19K of debt in less than 2 years and also saved a small emergency fund and enough for my son to buy a car. I have multiple income streams and was able to make extra money for every day expenses. I still have a car that I finance at a great rate and a mortgage but my debt is nearly paid off. I budget every day. And LOVE budgeting. It's changed my life, but I don't need to have my son, fiancé or anyone I love suffer. It's all me.

saving for kids college is a HELLLL NO. You can stay home for free and that is my financial help or get out.

I only found the free resources and I always credit the baby steps for giving me a very simple way of starting (and it helped it stick for me to snowball) I ALWAYS thought the undertones were problematic and as a Omnist witch DemSoc Feminist “hippy” it makes me sad that he would never have me on or speak to me, even if it was to tell him his basic steps helped me.

I agree with having money saved and not being in debit but enjoying life and things I think is good … what good is having all this money saved then you die lol

Not all of us are capable of doing the Dave Ramsey plan. Also, why do you think he added Dr. John Delony though? Too many voices saying the same thing: mental health suffers.

no spend chalenge dont work cause life is e mouving timing all the time

The $1000 is just to start out with if you do not have any money or have a lot of debt then you grow your emergency fund to 3 times your expenses WHEN you can. I do not agree with cutting all your credit cards because in this economy you do need credit to get most big purchases, however, I do think the methods of paying off your debt are good. He does talk condescendingly but at the same time I don’t take that personally. The base concept of his baby steps aren’t bad. I think people are getting caught up in his personality and I get that but these steps to me aren’t inherently bad. Anyways good luck everyone. Debt sucks

"Live like no one else so later you can live like no one else" - it's good advice if you want to live an exceptional life. If you want to be mediocre you can wallow in debt for 10 years rather than dig deep for 2 or 3 years. If you have the means to get out of debt, why would you not?

The first babystep is horrible, save only $1000 if in debt, and if he's had that for 25 years, inflation more than doubled in that time period. So he's technically telling people to save less than half of what he told people back in the day. Because I have student loans, he would demand I have $1,000 in the bank only and put the rest towards student loans (which itself would be insane as they will be forgiven for me in 2 years by PSLF, and he doesn't support that either). Thankfully, I dont listen to him and keep closer to about $8,000 in the bank at all times, which made a world of difference for me when a pipe burst over my living room ruining it. If I only had $1,000, I'd be screwed having to pay contractors while waiting for insurance to reimburse me.

need minimum 2 month of emergencie...clen credit card as fast as possible even if it mean..rice n beans i agree..dave is soo insane when it come to credit score..or we dont need credit card its absurd!1 ridiculous...in life is..no pian no gain.i agree whit it !we can not ave at all..anyway dave is like e cult..you now..to many lie of the name of making rooling is binesse..but like i said is not wrong all the way..

Does he ever complain about the billions of taxpayers money given to foreign countries which could pay off all debt here in America?

My husband (then boyfriend) and I followed Dave's plan to a T starting in 2016. Cut back on frivolous expenses, traveled on a budget, had a lowkey wedding, practiced contentment in our simple happy life, and worked hard doing jobs we love. We paid off my $45k student loans in 18 months and just two weeks ago we paid off our $550k home. We can donate to our favorite causes without even thinking about it. We don't owe shit to anyone and can retire in under a decade if we want to. We're in our mid-30s standing at the summit of life, and have Dave to thank for giving us the focus and intensity. I say all this because you're wrong when you write him off as a "toxic, heartless, money hungry evil capitalist." His plan hasn't changed in 25 years because if it ain't broke, don't fix it. No one plan is a one-size-fits-all, but shitting on the Ramsey plan makes you just look salty. For everyone reading this, especially if you're neurodivergent or come from little means like me: Grab inspiration *wherever* you can find it and ignore the rest. (But obv this girl needs to mention him in her titles for clout.)

Also if you listen to him, he says $1000 wasn’t enough in the 90s. So I don’t know why you keep saying he says $1000 is enough. It’s about kicking your butt to make you get your shit together.

He’s just awful lol

It’s funny to come back to this channel years later to see it’s still the same song and dance about how bad Dave Ramsey is when it comes to his financial advice. FYI your student loan repayment resumes this October, enjoy that while you complain about muh greedy capitalists, muh old man bad, muh worth :)

You are living in a fantasy world. There isn't a country in the world, where people can just live without any worries. That is called Utopia and it doesn't exist. It doesn't matter what type of government or social system a country may have... be it capitalism, socialism or communism. There are restrictions/limitations for everyone, there are poor and rich people and the in-betweens. A good life and rich life is not a "right" for anyone, it's an option. This video sounds like the victim olympics. I don't agree with the $1k emergency fund, it is not enough. I don't agree with his harsh approach or that "his" plan is the "only" plan. But I don't agree with the broken record of systemic racism and oppression. No one is going to succeed if that is all they are told & the song being sung nonstop. That is just an "excuse" blanket to wrap themselves in to justify their situations. People do get tired, people do get discriminated against, people do struggle with paying debt. These are all facts. But I would rather hear that I can do it, than being just told over and over that the system is against me and it's okay that I don't try harder or succeed.