Dave Ramsey says DO NOT file for unemployment, work at Amazon and deliver pizzas instead

[Truefan31]

yeah Dave Ramsey is ok for the basics of financial education and I believe earlier in his career he gave pretty sound advice about not being tied to a bunch of debt.

He's for the below average american who can't seemingly grasp concepts of financial literacy. But for anyone with common sense his principles can seem somewhat outdated. Avoiding credit cards at all costs is somewhat old fashioned, as is not having a credit score at all. Unfortunately in America, it means you'll be paying a lot more for things that aren't even financed, such as insurance rates.

There are plenty of people who are helping millions of Americans with sound advice for all income groups. There's plenty out there, but Clark Howard comes to mind, just because he's a relative cheapskate, which I can relate to.

 

[Easy-E]

To point 1: I made a later post saying I'd advise people to work a job in the fullest capacity they reasonably can without getting sick/injured.

That's a pipe dream. Going to work saying "I'm not going to get sick" 50x on the way isn't a plan.

This is why people don't understand why black people are getting this four times more than white people.

Most of us don't got a choice but to work.

To point 2: That's poor systematic design. UI, at least in theory, is/was never meant to have you break more bread than your current role. In theory, it should be just enough to tide you over but not enough that you would stop looking for work. Again, in theory.

There's definitely an argument to be made about the low wages that allow people to earn more staying at home than trying to work. But that's an argument for another day.

That's on the state the economy.

Plus, I'm tired of all these moral reason people should'nt get gov't assistance, especially in an unprecedented emergency we have no power to change.

Meanwhile, the rich are on like their third rescue by the Trump Admin. And they get to socialize their losses while we get shame if we dare collect one unemployment check.

Look, my pay never stopped and the most I ever got for UI was $1,000 a month for like two months for the last 2 of 3 months of being out a job.

I'm not shaming anybody. I'd advise them to save as much as possible and take the system for all they can.

 

[WesCrook]

The rise & grind nikkas on here are the worst

they been awfully quiet the last few weeks.

The worker busting his ass every day and the worker doing just enough to meet his goal both end up getting the same rewards when it's all said and done.

The rewards are not worth the risks when it comes to going "above and beyond".

 

[Strapped]

He probably owns Amazon stock. Dude is a privilege prick

 

[Mowgli]

Dave can suck a dikk

The money coming out of our check going to social security.

Every dollar counts in the crunch

But if you're not genuinely looking for work it's not right

 

[Rawtid]

Bankruptcy doesn't mean you're broke, it just means youyour creditors. Wasn't Kanye $50M in debt a year ago, now he's supposedly a billionaire

Touche. I'm in Chapter 13 now and it's been my best financial position to date as far as the bills I have to pay and money left over to save.

 

[Professor Emeritus]

A lot of nikkas SWEAR by Dave Ramsey though. And let's be real, if this was say, five months ago, you all would agree with him because I saw the exact same advice given here before. Y'all used to love promoting those sorry ass, exploitative gig economy jobs.

Let me say that I been on the record with this for a long time. While Ramsey is right that we should all avoid getting into debt, he's always been a fukknut and downright despises poor and working-class people.

 

[Professor Emeritus]

He went bankrupt about two years after amassing his "fortune".

And then got rich again by telling other people what to do.

I swear, nearly all of these "financial advice gurus" have ZERO receipts of being rich before they started telling other people how to get rich. They are the epitome of "those who can't, teach".

 

[Return of the Jedi]

Dave Ramsey's baby steps are the truth. Debt crushes a lot of Americans abilities to build wealth. I truly intend for this mortgage debt I have to be the last debt I ever have.

Some of his other advice is out of touch, I'll admit. One time he told a college student not to apply for the FAFSA..like bro most schools require you to fill out the FAFSA.

For those who took the unemployment..all good, no judgement. Just hope you didn't burn it.

 

[Danktoker94]

To point 1: I made a later post saying I'd advise people to work a job in the fullest capacity they reasonably can without getting sick/injured.

To point 2: That's poor systematic design. UI, at least in theory, is/was never meant to have you break more bread than your current role. In theory, it should be just enough to tide you over but not enough that you would stop looking for work. Again, in theory.

There's definitely an argument to be made about the low wages that allow people to earn more staying at home than trying to work. But that's an argument for another day.

Bruh u literally don't know what you are talking about