I think because most people can't "help" themselves to more and more debt.

I think he finds it easier to just espouse one rule, and keep it simple. Just like he openly talks about HIS real estate investing, but rarely espouses that to his disciples on the radio.

Once that psychological debt veil is breached, then pretty soon, for a lot of folk, everything that can be bought on credit is, like cars, boats, etc and then soon your are paying more interest for crap that you can barely afford to keep up with.

So in a sense, Dave's, just like Suzze Ormans public philosophy is the same, quit buying **** you can't afford and live within your means and you'll lead a happier and more stable life.

Dave’s core audience doesn’t often include the type of person with enough financial discipline to park that money in responsible investments that yield more than mortgage interest. Many of the people he is speaking to have far greater financial management issues to tackle. Weening them off debt is usually the best way to start getting their financial lives under control.

Didn't Dave become a millionaire by leveraging real estate in his 20s then went bankrupt?

Council 66 update talks about new lanyards.. Anyone have any idea what they'll say?

Yes he did. He then “realized” how much human behavior/psychology plays into people’s ability to handle finances.

His coaching isn’t finances, for those of you judging him on financial advice. His coaching is on behavior and psychology in a way that people can identify with and put into practice regarding their finances. Biblical overtones aside.

Folks who criticize his approach as not being the most financially or mathematically efficient probably don’t have the negative financial behaviors people seeking his advice do. Good for you, keep doing what you’re doing.

For those who do not posses good financial skills and often end up in negative cycles they cannot break, he provides a pretty cheap way to break that cycle and learn how to handle finances in a way that leads to financial freedom.

For some, one drink is too much. For some, a night on the town isn’t a big deal. For some debt is good, for some it’s disastrous. Has zero to do with intellect and all about behavior.

The Noord is further away than every other hotel... soooo it will be less traffic and quicker! I don't mind the area, but the hotel is a ************. Water coming from the ceiling, poor air conditioning, every room is cracker box different the last time I was there, the power went out for 6 hours and no one said anything at all, the time before that, they turned the water off for 12 hours to fix a major leak... the list goes on and on. The bar is great if you don't mind the employees keeping tabs on your coming and going and reporting it to the company or the station manager. Good riddance to that place!

LOA #23-01 – One-Time Post-PWA Ratification Payment

Mine says Back the PAC.

Dave Ramsey isn't talking to you. He's talking to morons that are making $1500/month and go out and rent to own a house full of furniture. Those same people that go out and finance a $75,000 car for 6 years or more that have trouble making their rent payments. Those people that have a body full of tattoos and smoke and whose idea of retirement are winning the lottery. He doesn't want them to be poor, THEY want themselves to be poor.

Oh my gosh....now you've done it!!!