Dave Ramseys Books

[Wampuscat]

Is "Total Money Makeover" geared more for the younger couples? We're pushing 50 and hitting the same roadblocks we hit at 25. Ready for a new trand.

[Thad Bowersock]

He says to stay away... but his rational is that most people don't pay them off and get hit with the interest when you don't.

I like Dave but if you have an ounce of discipline, any financial professional will tell you 0% interest makes fiscal sense.

[Mike D]

Dave Ramseys Books

Is "Total Money Makeover" geared more for the younger couples? We're pushing 50 and hitting the same roadblocks we hit at 25. Ready for a new trand.

TMM & FPU is for anyone. The principals aren't different (except maybe for investing for retirement). The main thing is to start sometime or you never will. I wish my wife & I had known about him 20 him years ago.

If you commit and follow through it will change your life.

Almost 7 years ago my wife and I were 6 figures in consumer debt (NOT including our house)! We started doing it in January 2008. My wife is a nurse and at the time she worked 3 days a week. She picked up an extra PRN position to help speed things along. In September 2010 we were completely free of that 6 figures in debt. Yes, we are blessed with great incomes and that absolutely helps things speed along.

Since that time we have paid for 2 vehicles with cash (used not new) put both of my daughters through college with cash, paid for my daughter's wedding with cash, paid for an Alaskan land/cruise package for our 25th anniversary with cash and I don't even want to think about how many guns I've bought, all with cash.

It's is a life changing experience. Anyone who wants to tell me I was stupid for buying his books and going to his live events can kiss my ***!

He has helped bless my family so anyone needing a book PM me your address and I'll send you TMM and Financial Peace revisited for free.

[doublearrow]

Is "Total Money Makeover" geared more for the younger couples? We're pushing 50 and hitting the same roadblocks we hit at 25. Ready for a new trand.

Its geared for anyone who needs a little help/direction. I took the class with couples in that age group.

[35remington]

Is "Total Money Makeover" geared more for the younger couples? We're pushing 50 and hitting the same roadblocks we hit at 25. Ready for a new trend.

No, it's geared for anyone who is sick and tired of being broke. Age is irrelevant.

I like Dave but if you have an ounce of discipline, any financial professional will tell you 0% interest makes fiscal sense.

It's absolutely false that "any financial professional" would say that. Some would. 0% works as long as nothing bad happens. Problem is, you can't predict the future. Lose your job, wife gets cancer, car wreck, whatever; you fall behind on those 0% payments, and you're screwed 8 ways to Sunday before you know it.

[doublearrow]

I like Dave but if you have an ounce of discipline, any financial professional will tell you 0% interest makes fiscal sense.

If i had used my discipline in the first place I wouldnt have had any debt to need his class.

[Thad Bowersock]

No, it's geared for anyone who is sick and tired of being broke. Age is irrelevant.




It's absolutely false that "any financial professional" would say that. Some would. 0% works as long as nothing bad happens. Problem is, you can't predict the future. Lose your job, wife gets cancer, car wreck, whatever; you fall behind on those 0% payments, and you're screwed 8 ways to Sunday before you know it.

Should have clarified, if you have the money to make the purchase, any financial professional will tell you to go with 0%, and let the money work for you elsewhere.

[35remington]

Should have clarified, if you have the money to make the purchase, any financial professional will tell you to go with 0%, and let the money work for you elsewhere.

You won't win your argument in a thread called "Dave Ramsey's Books." Personal finance is more about behavior than percentages.

[robbyreneeward]

Went ahead and bought both books online this morning. I hope they help. We've done better the last few months but I'd like to have a pretty large cushion in the next decade