> Develop business model that shames low-income whites for being poor
> Offers solution of wageslaving 16 hours a day until you own a house
> Low-income whites thinks this makes them financially sophisticated
youtube.com
> Hurr durr $1200 will not change your life.
Why do whites fall for this dickensien bullshit
My boomer grandparents love this faggot. If I pull my boot straps any harder, my feet will pop off!
ultimate boomer
You can’t exist in a debt based economy without accruing debt. It’s how you utilize that debt that is important. We can argue (and I would) that a debt based society is inherently bad and immoral. But it’s irresponsible to simply tell people to not have debts. Dave Ramsey is one step above your grandmother telling you to store cash in your mattress.
>you must always be in debt goy
>don't listen to that boomer telling you to shed all that lovely debt
>in fact how would you like another few credit cards?
Dave targets idiots because smart people will figure out that he is right.
Dave Ramsey’s advice is like telling fat people to eat less.
In the 80's he declared bankruptcy. Now he tells people that it's immoral to not pay (((debts))). Truly the boomer in his final form.
Car loans and credit cards are nigger tier. As a general rule, if the loan isn't making you any money, it was a bad idea to get the loan in the first place.
he's just a greedy kike lolberg who only cares about shekels
He’s good if you're an average wage slave or nigger that cant understand personal finance.
However if you have an IQ over 100 you should not follow his advice if you want to get wealthy. If you want to get wealthy you develop an audience who you sell the wrong information on how to get wealthy like Dave is doing. Tony Robbins is even shilling retard financial advice to build his own fund.
>born into perfect economy
>houses costs $5000 in 1985
>declare bankruptcy in 1988
Like how bad do you have to fuck up for this to happen. I would never take his advice
Checking credit karma every 2 days because muh fico score is the new nigger tier. Declare bankruptcy now and you'll have perfect credit again in 7 years, my aryan.
Debt is part of the cycle but being in debt is not a good thing. If your loan isnt making you money to pay back to the loan then its not worth taking
Any loan at less than inflation makes money. Many auto loans are.
Whites are motivated by pride, and the only way you generate pride is through suffering. His model is popular because it makes a person proud to aspire to.
Pride is the deadliest sin. It leads to hubris which leads to your undoing. People watch Dave and he makes them feel prideful, which leads them to inaction.
Pride is also not rewarded in the current economic system. People have been duped into foregoing government assistance or free money opportunies in order to protect their sinful, sinful pride. They would rather their family suffer than have to go a moment without feeling prideful.
I used to be that way, and then I realized that my family comes first. Our household makes six figures and we visit food banks. I have my niece and nephew as foster kids and take the entire family to all sorts of free events based on that status. Leave your pride at the door and take every bit of gibs and advantage you can get.
>You can’t exist in a debt based economy without accruing debt.
That's complete bullshit, of course you can. I've never had any debt and I've never owned a credit card. If you make at least minimum wage, there's no reason to ever acquire debt unless you choose to. Just buy less shit, retard, it isn't hard.
And you will surely save a half million before you move into a house. No renting beforehand either; remember that renting is borrowing too.
True words.
My friend won't apply for unemployment because he doesn't want to 'lose his motivation'. This is the closest working america will ever come to winning the lottery and they're protesting to go back to their jobs.
(((They))) have one thing right: taking care of family supersedes everything. Good on you, user.
You will. Chinese money's going to price native leafs out of home ownership and reasonable rent prices.
I just want to know why it's now taboo to declare bankruptcy or default on the credit card. Millenials have never been more justified to do so.
This. His entirely following is based on selling his courses in churches.
If hell is real he is going there.
I own land and a cabin that I built. Imagine being a good goy and either renting or owning a mortgage.
dave's the man
listen to his advice
or not, it's your life
Yeah imagine anything like this happening at a mosque or temple.
Good on you. You're living the life we all should be. Just know you're the exception to the rule.
He is right. His message is simple. Change your fucking habits. Dont pay interest. Be reaponsible and do things that make sense.
Realize (they) will let you buy a car or purchase a home regardless if you can acrually afford it or not. He litterally just wants you to consider three moves from now will eventually be a total loss.
Nah he's based. White trash need to stop acting like niggers and take account of their own actions. Start getting married again. Avoid drugs. Do not curse in front of your children. Put your money in Roth IRAs instead of taking on debt for your jacked up trucks.
So you either are bullshitting or inherited.
How any of that applies to Dave's target demographic I don't know. This is a discussion of problems other people's problems and you can't keep from chiming in.
That's pride. It's sinful.
ROTH IRAs are bullshit. Laffer curve and European case studies show you income tax rates won't increase, they will hit you with VAT and other shit
Standard IRA and 401k. Even then, you are still a participant in the devilish game of debt and borrowing, just on the other side. Understanding the rules of this game is critical if you want to win it, and Dave obscures and hides these rules.
I mean even stashing money in your mattress is better than taking on debt for a depreciating asset like a truck. We're probably looking at a VAT at some point because we're near 30 trillion in debt, but that's basically a sales tax on shit you buy. I think retirement accounts, whether they be roth/traditional 401ks, IRAs, 403b's will be off limits because there's too many people in both political parties who would throw a hissy fit if those sacred cows were touched.
This, but remember Niggers get a few things right. Government assistance doesn't make you a nigger, it's okay to take advantage of these programs.
Just assume any boomer-dominated investment vehicles will remain untouched by gov
I get aggressive because Dave pushes Roth because it amplifies suffering. He tricks people by comparing Roth to traditional by saying "wouldn't you rather have it tax free", when you have to effectively contribute more.
His entire model is based on suffering. He makes it hurt so your pride pushes you forward. In practice people just listen, get inspired and take no action.
People act if they think they have an advantage. Dave makes people feel like things are stacked against them and that they have to suffer. It's not true.
He sells a prideful feeling and a path of suffering the few undertake, and even if they do they are worse off than they would have been if they played smarter and less prideful.
Soak up government money. Abuse the system. Celebrate the $1,200; it's the first step in changing your life.
People who are financially successful do not eschew debt. They use it as leverage and as a means of accumulating more wealth. You would realize this if you weren’t a smooth brained retard who equates all forms of debt with usury.
What makes someone a nigger/white trash is acting retarded, which leads to negative consequences, and then refusing to change one's ways because you either have too much pride or feel that behaving like a civilized human being would deviate from your nigger/white trash identity.
Your threadly reminder that Boomers enjoyed liberal bankruptcy laws throughout young and middle adulthood before tightening them in 2005 right before their catastrophic housing bubble collapsed, which they went on to bail themselves out of. Government policy converged to print monopoly money and artificially inflate the stock market which their retirement is tied up in of course. Housing prices also rebounded within years. But watch them squeal when anyone talks about student loan reform and relieving the young people’s debt.
Why? Because these student loan payments go right in the Boomers’ pockets.
>Soak up gibs
>abuse the system
Ok Tyrone.
Nice trolling I'd rate it a solid 7.9.
Dave is pretty based desu. Why would you want to owe anyone money? Pay off all debts, buy a nice house innawoods and raise a beautiful family with a trad wife. Teach your children to hunt, farm, cook, etc. Never pay jews a dime.
If you care about your family you take every single opportunity available to them.
In two words you have communicated that your pride is more important than the well being of your family. It's sickening really.
He is the ultimate boomer meme. But honestly, his general advice "baby steps" are perfectly valid. If you weren't a loser NEET living paycheck to paycheck you wouldn't mind his message.
I'm not bullshitting at all, I just don't live there full time. The land was only about 10k and I bought it after I spent around a year working menial jobs. During that time, I rented and I was still able to save a ton of money. These days my living expenses are so low that I could work a quarter of the year and that would be enough to last four years. My time is worth more to me than money, so I work only when I need to. I don't go out to eat or actually buy media. I grow my own cannabis, produce my own alcohol, I have a garden, I'm very capable at building and fixing things. On the side, I manage my investments and have done fairly well.
>How any of that applies to Dave's target demographic I don't know.
I don't care, I was responding to someone that said you need to go into debt, you don't. If you went into debt, that's your problem but you didn't have to do it. If you work any full-time job and still cannot manage to save money, you're an idiot.
What do you actually have against tax free investment accounts? Canada has a version of the the Roth that is even better, you can contribute around 6k every year and withdraw that money whenever you want, you just can't contribute it back in the same year.
>People who are financially successful do not eschew debt
That's where you are wrong, retard. My net-worth is fairly high, probably higher than most people on Yas Forums. I could use margin to aid my investments, but I don't. It's not worth worrying about getting a margin call or getting fucked during a downturn. You don't need debt to get leverage, you can do that through buying certain options like LEAPs. Stop posting, you don't know what you are talking about.
The issue, Tryone, is that only works if you don't care about everything else.
Becuase it's an impossible path of suffering. Renting is borrowing. You aren't paying interest, but you are paying a premium becuase you don't own it.
You come into this world with nothing. If you don't have another person to give you enough to get started you have to borrow. Having every borrowing tactic and tool available to you leads to the best outcome possible. Dave obscures and slanders those tactics in order to make his branding work. He sells pride through suffering, not financial success.