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The Something Awful Forums > Discussion > Debate & Discussion > someone who is good at the economy help me budget this, my family is dying
 
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Jeffrey of YOSPOS
Dec 22, 2005

GET LOSE, YOU CAN'T COMPARE WITH MY POWERS
 Wow - lots to unpack with this thread. Dave Ramsey gives generally good advice blended with some religious nonsense. It's not a conservative conspiracy, he gives simple advice that does it's best to help people who are in financial trouble while having a couple blindspots due to his own slightly-kooky beliefs. Obviously it doesn't solve all of capitalism's ills, I don't think he claims to (though if he does that's still easy to ignore, just like the tithing nonsense). He's not an evil conservative mastermind leading people away from true economic justice and it's wrong to tar him just because he talks about poverty without fixing it. The world is better off with him in it, truly.

AsInHowe posted:

The advice only works for people who already made bad choices and can't control themselves, but it's presented as the only solution that everyone must follow.
This is the situation that most people who seek out personal financial advice are in. It's a self-selecting group. Yes, if you have no debt and have extra money each month then, well, you probably don't need the religious financial self-help man. To the people who need help paying off credit debt, "trying to build their credit score" as you advise is what got them into the mess in the first place. Not everyone has the willpower to only spend within their means given the power to do otherwise, and guess what? The people that can't are the ones who need financial advice. It's not that hard to find similar advice without the cult of personality and religious undertones of this one particular one if it's really that distasteful to you but you're ire is unearned.

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The Something Awful Forums > Discussion > Debate & Discussion > someone who is good at the economy help me budget this, my family is dying