Response to some of Dave Ramseys teachings and rants.

[LivingAlmostLarge]

Nah I doubt we can beat what we pay for our employer provided insurance. I guarantee with the company picking up 90% of it, it's just not worth having a HDHP to get close to our $200/month health insurance. And ours is covered with just co-pays not 20% or deductible first. I also found it's location dependent. A friend of mine moved states and she kept her old plan for 1 year until they realized she moved because the state she moved to was substantially more expensive she told me. She did private in both states and couldn't believe the difference.

[mgkimsal]

What I read recently was that he apparently encourages load funds and high expense ratios. I didn't see anything that disputed this. (I think my initial reaction was, "That can't be true?" so I checked other sources.)

Listen to him to get out of debt, but get your tax and investing advice elsewhere.

I listened pretty solidly from 2005-2008/9, and never *once* heard him mention load funds. In fact, pretty much every other caller he was telling to invest in "no load mutual funds". *maybe* something's changed in his advice over the last few years, but he was a pretty strong advocate of no-load mutual funds - pushed vanguard (and to a lesser extent, fidelity) from what I recall too.