Dave Ramsey - Any Thoughts?

[Ima saver]

Yes, I agree with maryann's approach. I read them all and take advice from most!

[greedy4chips]

Originally Posted by pearlieq

Also, I do take exception to the cost of the books, workbooks, etc. A quick check of his website shows a cost of $289 of an at home FPU kit, $50 for a "starter kit", and my personal favorite, $19.95 for the Deluxe Envelope System Budgeting Tool (NEW Designer Envelope Systems!). I realize the man needs to make a living, but I think we've turned a corner somewhere!

I also believe he has crossed the line of his costs for materials. I can't fault him for making money from advertisements on his radio show and websites, but if you just listen to his show for a week or two you should be able to devise your own plan based on his ideas.

Radio is free and so are forums like this. Ask for help and you will get tons of opinions. Find the one that suits your needs and comfort levels and put your plan into action.

He walks you through his 10 steps to financial freedom at least once per day at least.

I see nothing of value to purchase from him.

[naturalwoman]

you are right. you can learn a lot just listening to him. i however did purchase 2books, 1 cd and 3 dvd for 49$ from his website...i wanted to read the books and i wanted the software. however, when i was done with them, i put them on ebay. got 78$ for all items. go me. go me.

[greedy4chips]

Originally Posted by naturalwoman

you are right. you can learn a lot just listening to him. i however did purchase 2books, 1 cd and 3 dvd for 49$ from his website...i wanted to read the books and i wanted the software. however, when i was done with them, i put them on ebay. got 78$ for all items. go me. go me.

Wtg on the ebay sale!

How about doing it again and see if you have a money making opportunity or is there only 1 sucker that bid that high?

Ebay is filled with above retail auctions. Especially free after rebate or close items.

Originally Posted by greedy4chips

I see nothing of value to purchase from him.

then - you - should - not - purchase - anything - from - him.



if you choose to be a Ramsey-ite, you can do it absolutely free.



I choose not to but I still read his books (from the library of course) because I, like the earlier poster mentioned, will vacuum up every thing I can expose my (very) little brain to.



the really puzzling thing to me is when the chief reason for dislike is his use of religion. (not something particularly evinced here mind you)


it makes me wonder..."so if he didn't mention his religious beliefs but said exactly the same thing besides, that would change your opinion?"


to each his own I suppose

[greedy4chips]

Originally Posted by rexdart

the really puzzling thing to me is when the chief reason for dislike is his use of religion. (not something particularly evinced here mind you)


it makes me wonder..."so if he didn't mention his religious beliefs but said exactly the same thing besides, that would change your opinion?"


to each his own I suppose

Although I choose not to be religious, I do respect Dave's strong belief and obvious knowledge of the proverbs and how they are the basis for his financial reasoning.

Dave's charisma is captivating and motivating! Whenever he tells callers bankruptcy is a none option and we can get you through this by following his ideas and changing your lifestyle, I actually get goosebumps. His glass is half full enthusiasm in ever situation can be used in every area of your life.

When I say "I see nothing of value to purchase from him", I simply mean, if you listen to his show enough you should be able to extract enough information from callers in a similar situation as yours.

Perhaps I am wrong and those who have purchased his information would like to explain the benefit of owning his programs.

Best DR tip...never buy whole life insurance or any similar type cash value life insurance. I know too many people that purchase these, including myself, and have since cancelled them and moved to term insurance and mutual funds to replace them.

Next best...cut up those credit cards! I use them and probably do spend much more than if I didn't have them, because spending cash does hurt.

[naturalwoman]

nope not buying anything again to make money, in this case i could just save my money. of course i tried my library first b4 i ordered the book, but first they didn't have it, then there was a waiting list. i forgot, i still have one more book of his to sale that i let a friend borrow, then i'm done.

i always said that you should never buy stuff from people that are teaching you to save money, i got laughed at buy my friends for purchasing, but they are still broke cause they won't apply anything that anyone teaches or what they know.

but nope, you don't have to buy snot to learn!