Comments on I Think Dave Ramsey is a HypocriteTypePad2007-10-16T15:15:00ZNAhttps://www.freemoneyfinance.com/tag:typepad.com,2003:https://www.freemoneyfinance.com/2007/10/i-think-dave-ra/comments/atom.xml/Nick commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e2017ee63783ba970d2012-12-13T19:11:04Z2012-12-13T19:11:04ZNickDR NEVER wants you to use a credit card...NO MATTER HOW difficult or inconvenient your life situation may be. NEVER....EVER....N-E-V-E-R....<p>DR NEVER wants you to use a credit card...NO MATTER HOW difficult or inconvenient your life situation may be. NEVER....EVER....N-E-V-E-R. </p>
<p>But, he accepts it on his site? ( but, it's not MY fault, it's the big bad credit card companies, and besides PayPal is inconvenient for my customers) with all the sacrifices he says you MUST go through, THIS is the one exception?</p>
<p>Please, all you DR tee shirt wearers, he's WRONG on this one, just face it and stop looking foolish. It doesn't mean that his program is a lie, it simply means that his $$ is more important than YOU ALL, and more important than his word.....which makes him a typical human being.</p>Blissful1985 commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e2016769337415970b2012-08-11T06:18:54Z2012-08-11T06:19:07ZBlissful1985http://profile.typepad.com/blissful1985Wow. I've always been a Dave Ramsey fan, but now, after reading up on his huge mansion and now the...<p>Wow. I've always been a Dave Ramsey fan, but now, after reading up on his huge mansion and now the fact that he takes credit cards, I don't know...</p>
<p>Why does he always get so hateful with people that disagree with him? Isn't that like being a bully? Plus, I get so annoyed that he says the same exact stuff over and over. 12% growth is one of those things...who's seen that in the past five years? Isn't it vulgar to buy a mansion when so many are homeless and jobless? Hasn't he made more money than he can ever spend? How about not charging churches for the FPU? </p>Tim commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e201630543d690970d2012-05-06T16:01:54Z2012-05-06T16:01:54ZTimAldi's only accepts debit cards, so apparently, there IS a way to only accept debit cards. Perhaps there is no...<p>Aldi's only accepts debit cards, so apparently, there IS a way to only accept debit cards. Perhaps there is no way to only accept debit cards on-line though. In any event, while I find Dave Ramsey quite hilarious (I've seen him in person at a church twice), he is also a hypocrite. He filed bankruptcy, but yet he opposes filing bankruptcy and I believe (I could be wrong on this, but I do not think so) that he opposes bankruptcy relief for student loans. I would say he should pay back all of his debt that was discharged in bankruptcy, but now he could probably pay that money easily and still do fine, so it really would not prove anything - though his creditors (or their successors) in his bankruptcy might like him to pay the money back now.</p>Jeff commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e20162ff976c3f970d2012-01-15T05:14:20Z2012-01-15T05:14:20ZJeffhttp://www.thegreatrecovery.comDave has mentioned the "credit card/debit card" website payment conundrum on his radio show a few times. And my lifestyle...<p>Dave has mentioned the "credit card/debit card" website payment conundrum on his radio show a few times. </p>
<p><br />
And my lifestyle has been drastically altered (in a positive way) by Dave. I haven't missed a monthly budget meeting in 7 years and things are running so incredibly smooth. Emergencies are not emergencies because of our ability to fully control every dollar. </p>dennis sharpton commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e20162fc95d401970d2011-11-19T01:54:23Z2011-11-19T01:54:23Zdennis sharptonhow many people has he helped compared to the ones you claim he may be hurting?And as far as his...<p>how many people has he helped compared to the ones you claim he may be hurting?And as far as his Christian belief there was only one perfect human and that was JESUS CHRIST</p>BillV commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e20133f2e8dd25970b2010-08-07T15:41:31Z2010-08-07T15:41:31ZBillVMy first thought was: Yes, you are being a little hard on the guy. But then I read on, and,...<p>My first thought was: Yes, you are being a little hard on the guy.<br />
But then I read on, and, remembered some of his articles. I have to change my mind and agree with FMF.</p>
<p>He is so adamant about credit cards and not using them. If he wan't so extreme, I could let it go. But if you are going to take a strong principled stand on something, anything then you go with it. You don't preach it until it's not convenient/profitable for you. That's why it's called a principle stand. You stand by it, even if it hurts.</p>
<p>Maybe just maybe, if his disclaimer was in regular font, and he said something about the inconsistency of his views, it might be more tolerable. But no he pushes it off on to the buyer so he can claim to remain pure.</p>
<p>Sorry Dave, you are wrong here.</p>TDD commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e20133f2e85923970b2010-08-07T13:16:59Z2010-08-07T13:16:59ZTDDHilarious to get so upset about this!! Ha! HA HA!! Folks with a credit problem should be required to make...<p>Hilarious to get so upset about this!! Ha! HA HA!! </p>
<p>Folks with a credit problem should be required to make their last credit purchase on Dave Ramsey's material. Would you prefer that he not accept credit cards so that all those who are addicted to spending continue on in ignorance? Get real! Dave Ramsey should openly claim that he accepts credit purchases and that it is the only wise credit purchase that his customer's will ever make!!</p>
<p>FPU is life changing. Fools have been rejecting good advise for stupid reasons since the dawn of time. Keep on getting upset and morally justified for your financial situation. Those who take action will be blessed by it, even if the purchase was with credit!!</p>
<p>Here's a challenge: I'll buy Dave Ramsey with credit, you don't buy it because he takes credit. In ten years, I'll bet you I finish ahead.</p>Phocus commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e2012875d656a5970c2009-11-25T03:06:57Z2009-11-25T03:06:57ZPhocusI don't see how Dave Ramsey is a hypocrite because his website accepts credit cards. As you mentioned when authenticating...<p>I don't see how Dave Ramsey is a hypocrite because his website accepts credit cards. As you mentioned when authenticating the data for a card it doesn't matter what system you use it will not know if it is a credit card or not. The only way one can tell is after the transaction is made and the bank approves it. This would mean that you would have to run the card and then wait some days to see if it is a credit or debit card. (Who running a business has time for that?). The only way to over come this is to accept electronic checks and most people wouldn't feel comfortable doing that. </p>
<p>If you can, do be so quick to call him a hypocrite especially when his plan helped you out. Also I think about it, uses credit cards is all about integrity because Dave Ramsey can teach all day but it is up to us to use or not use credit cards. </p>jory commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e20120a5e42105970c2009-09-22T16:14:07Z2009-09-22T16:14:07Zjoryyou are so focused on the minors. I actually know Dave Personally and worked with him directly. He uses Debit...<p>you are so focused on the minors. I actually know Dave Personally and worked with him directly. He uses Debit Cards. Debit Cards have 2 processes for payment. 1. is the atm function and 2. The credit feature that actually is through your checking account. You have the same usage on your debit card. Dave isnt a hypocrite. Lampo, doesn't endorse the use of credit. </p>
<p>I think that you have too much time on your hands. This is crazy. </p>Nick commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e20120a5d8f3de970c2009-09-19T07:02:50Z2009-09-19T07:02:50ZNickSO stupid.. why do you have to be so unintelligent... Dave offers a lot of great products, that have changed...<p>SO stupid.. why do you have to be so unintelligent... Dave offers a lot of great products, that have changed peoples lives.. He would be doing a disservice by not accepting debit cards.. Think of the amount of people that would not order his life changing products.. How about this idea do not be an incompetent failure that has to use a credit card to buy a book to tell you not to use a credit card.. <br />
Also define HYPOCRITE... someone who says one thing then does the opposite..? Dave simply says not to use credit cards.. does he use them?? NO NO NO. Its still the idiots choice to use it on his site or not. Also he goes another step begging people to not do it even if its an option! dumb people..</p>Paul commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e20120a568f9f8970c2009-08-23T04:16:35Z2009-08-23T04:16:35ZPaulI don't like Dave Ramsey and think he's an obnoxious jerk. I've heard him berate callers to his radio show,...<p>I don't like Dave Ramsey and think he's an obnoxious jerk.</p>
<p>I've heard him berate callers to his radio show, and then talk about Jesus and the bible.</p>
<p>Who is Dave Ramsey to judge others? </p>
<p>Dave Ramsey should spend more time reading Matthew 19:24 and then judging himself. </p>Weak pointer-outer commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e2010537048b05970c2009-01-30T21:35:17Z2009-01-30T21:35:17ZWeak pointer-outerThis is an incredibly weak complaint and a non-point.<p>This is an incredibly weak complaint and a non-point.</p>FMF commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e2010536eb1eb1970c2009-01-21T18:25:42Z2009-01-21T18:25:42ZFMFhttp://www.freemoneyfinance.comFrank -- Do you understand what an "ad" is? In addition, I have a stated ad policy that addresses the...<p>Frank --</p>
<p>Do you understand what an "ad" is?</p>
<p>In addition, I have a stated ad policy that addresses the Google ads (see: <a href="http://www.freemoneyfinance.com/2005/10/fmf_speaks_my_a.html" rel="nofollow">http://www.freemoneyfinance.com/2005/10/fmf_speaks_my_a.html</a> ). So what's the problem?</p>Frank commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e2010536e0f270970b2009-01-21T12:02:24Z2009-01-21T12:02:24ZFrankAnd FMF -- You need to understand the fundamental difference between on-line debit processing and off-line debit processing. When you...<p>And FMF --</p>
<p>You need to understand the fundamental difference between on-line debit processing and off-line debit processing.</p>
<p>When you do not use your PIN, it is off-line processing and looks the same as a credit card.</p>
<p>Your insistence that Ramsey should just abandon his e-shop altogether, then, is laughable.</p>
<p><br />
You run a personal finance site. You preach financial responsibility, too. YET one of your google ads directs me to www.1-Hour-Cashing.com. A no credit check money advance loan? Should you abandon google ads? lol.... Or are you a hypocrite by decision?</p>Jacob commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e2010536b0417b970b2009-01-07T12:49:22Z2009-01-07T12:49:22ZJacobI didn't know who Mr. Ramsey was until I read this. Looking at his store his products are rather inexpensive,...<p>I didn't know who Mr. Ramsey was until I read this. Looking at his store his products are rather inexpensive, he's already doing people a favor, all he wants is people to honor the ideals he teaches.</p>Mara Alexander commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e201053554cbc6970c2008-10-06T05:41:22Z2008-10-06T05:41:22ZMara AlexanderIt wouldn't take anything for DR's Web Developer(s) to have set up an eCheck payment option. In fact, if he...<p>It wouldn't take anything for DR's Web Developer(s) to have set up an eCheck payment option. In fact, if he were smart, that's exactly what he would have insisted they do, since merchant fees on eChecks are lower than credit cards.</p>FMF commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e2010534b8da7f970c2008-09-19T12:19:30Z2008-09-19T12:19:30ZFMFhttp://www.freemoneyfinance.comJohn -- That's a pretty compelling argument you have. I'm glad you took the time and effort to convince us...<p>John --</p>
<p>That's a pretty compelling argument you have. I'm glad you took the time and effort to convince us all of the errors of our ways.</p>FMF commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e2010534b8d9f9970c2008-09-19T12:18:32Z2008-09-19T12:18:32ZFMFhttp://www.freemoneyfinance.comGreg -- I find his position contradictory. He rails against credit cards and won't use them in his other venues...<p>Greg --</p>
<p>I find his position contradictory. He rails against credit cards and won't use them in his other venues (try paying for one of his classes with a credit card), though he accepts them when it comes to making a buck selling on the web. Why can't he just link to Amazon and let people buy from there? Or why can't he offer a mail-in check solution? It's because people would then buy less from him and he wouldn't make as much money. Now, doesn't that seem a bit contradictory even to a DR fan?</p>
<p>BTW, I actually like most of what Dave says and his advice is good (though his style is irritating). But on this point I think he's wrong. (FYI, I'm ok with using credit cards myself, I'm simply against someone saying one thing and doing another.)</p>John commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e2010534b0cf97970b2008-09-19T02:22:37Z2008-09-19T02:22:37ZJohnYou're retarded man. Dave is a good guy.<p>You're retarded man. Dave is a good guy.</p>Greg commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e2010534b0cee0970b2008-09-19T02:20:40Z2008-09-19T02:20:40ZGregHow worth while is this article? Really? Is this really helpful to try and tear down a guy who is...<p>How worth while is this article? Really? Is this really helpful to try and tear down a guy who is actually doing good for people across our country. His disclaimer said all that needs to be said. Stop writing posts like this, go build someone up....don't tear someone down. </p>Jon commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e55447d73588342008-08-22T21:39:02Z2008-08-29T06:49:21ZJonHow about just doing what the website suggests and using a debit card? They are building a new bridge in...<p>How about just doing what the website suggests and using a debit card? They are building a new bridge in Columbus which will help me get to work easier, but if jump off the center of it and die is that the cities fault? No I violated the intended purpose of the bridge.</p>Clark commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e553d0e47888332008-08-06T04:30:18Z2008-08-29T00:45:53ZClarkhttp://www.southeasterncharm.comI have been listening to Dave Ramsey, for about a year now and sometimes I hear him say somethings that...<p>I have been listening to Dave Ramsey, for about a year now and sometimes I hear him say somethings that I think wow that was cold. Then there are the certain people that call in and need to whine. They are looking for him to validate their position and somehow make them feel justified and I wish he would tell them to shut up and listen. </p>
<p>The fact is that it is very difficult almost impossible for a business to function without Visa and Mastercard. We are attempting to find a means to handle subscription orders without accepting credit cards. Currently paypal is looking pretty good, but I am not so certain that VISA and Mastercard are not invloved with them somehow. </p>
<p>I heard Dave Ramsey say for over a year now "If I woke up in your shoes tomorrow...", well here is the point I intended to make. When I found Dave on the radio last year I liked my credit cards, all of my credit cards and I had no intention of doing anything but use them as needed. I kept hearing about his book and yes when I ordered the total money makeover, I used my Visa Debit card.<br />
I would not have gotten the book if I could not have gone online and ordered with ease. Now I am working toward a debt-free call, hopefully next year. </p>
<p>So, if I woke up in your shoes tomorrow and I didn't like what Dave Ramsey was saying I would turn off my radio and continue to enjoy my credit cards. </p>
<p>Good Luck with That.</p>
<p>P.S. Last year Christmas was a craft, this year its the Total Money Makeover for everyone. </p>tchamp commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e553bf4c1788332008-07-28T21:14:08Z2008-08-27T12:48:07ZtchampHe can't take debit, and not credit, so I would not throw him into the "hypocrite" pot. Another thing. I...<p>He can't take debit, and not credit, so I would not throw him into the "hypocrite" pot. </p>
<p>Another thing. I think out-of-control spending is like a alcoholic. If you you are an alcoholic, you should stay away from booze entirely. If you aren't, you can have a drink every once in a while, and be OK. Same goes with credit cards. If you are a spending addict, have out-of-control credit card debt, and can't control yourself, you should cut up all your credit cards, and never use them again. </p>
<p>People like my Dad have always had a credit card, but has only had one loan in his life. He never carries a balance on his credit card. He's an example of someone who can use a credit card responsibly, and doesn't need a plasectamy.</p>Joe commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e552c2acfa88342008-06-04T22:49:56Z2008-06-04T22:49:56ZJoeOhh I almost forgot. He will also tell you you should always be represented by a realtor when conducting a...<p>Ohh I almost forgot. He will also tell you you should always be represented by a realtor when conducting a real estate transaction?? I have never been?? What was business were you in before you filed that bankruptcy Dave???</p>Joe commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e552c2a8a888342008-06-04T22:48:27Z2008-08-30T16:36:54ZJoeI can tell you how he is a hypocrite. He will also preach that no one should pay a "Financial...<p>I can tell you how he is a hypocrite. He will also preach that no one should pay a "Financial Advisor" for advice?? What are you Dave???? The last I checked there was nothing free on your website.</p>JD commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e5529d16b988332008-06-03T08:03:06Z2008-08-27T12:38:08ZJDAnyone who actually listens to the Dave Ramsey show deserves to be the poor dumb trailer trash that they probably...<p>Anyone who actually listens to the Dave Ramsey show deserves to be the poor dumb trailer trash that they probably are, given that's his only audience.</p>truthforAmerica commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e55299f12b88342008-05-27T13:22:33Z2008-08-27T12:36:06ZtruthforAmericaHere's what you need to do!! In google, put in dave ramsey bad live events. From there, look at a...<p>Here's what you need to do!! In google, put in dave ramsey bad live events. From there, look at a posting that reads dave ramsey live events at money musings. Ahhhh yes!!! There you go, see how he runs right over people. Things that make you go hmmmmmmm.</p>mc commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e5526071fb88342008-05-20T18:37:17Z2008-08-30T21:10:27ZmcFirst off, I can't believe I wasted so much of my time reading all these posts! I guess I need...<p>First off, I can't believe I wasted so much of my time reading all these posts! I guess I need to get a life, too!</p>
<p>Second off, I, too, never saw the part that admits they have to take credit cards, so I happily paid for items using my debit card, and even bragged to someone about it! I'm so sad to have had someone so joyfully inform me of my oversight! They work hard to make sure you have to go hunting, or have inside information to 'be bad'.</p>
<p>Third, as many other posters said, if you listen to Dave for a while and check out his free web-site and download his free forms, there is really no need to buy any of his materials or attend any of his events, and he makes that pretty clear on both his radio show and free web-site. I bought the book for my dear hubby who definitely needed a 're-think' on how we do our finances. A wake up call. And he's not going to sit and listen to a radio show, or pour over a web-site I recommend, but he flies a lot, so a book made a great travel companion. DR's book Extreme Total Money Makeover, is mostly encouragement, wide margins, and as my husband said, "About a 10 page pamphlets worth of 'how-to.'" And one of the most important things he's ever read! We have been able to completely understand how DR's program works, download his worksheets, organize our budget and see where our money REALLY is, which my hubby's loosey, goosey Excel spreadsheet did not. So, you can completely buy into the program, work the plan and spend very little money.</p>
<p>For those of you who have natural, common sense instincts for running your money wisely, congratulations! You are definitely to be commended! For those of you who think DR's plan is too 'simple', you are to be commended for being able to run a complex household budget and retirement system! Way to go! Kudos to you! For the rest of us schleps, we need help, and some of us need an in-your-face wake-up call.</p>
<p>While I, myself, try to not listen seriously to someone who is going to lead me down the road to distruction, I am more than willing to take good advice from another imperfect person and understand that I need to apply a little discernment and maybe not agree with everything. And I don't have to worry about being his/her judge. I'm just so darn busy trying to get that stupid plank out of my own eye. And the older I get, the more plank picking I seem to have to do .. or is it that I just realize it more?</p>
<p>Hey! Did anyone realize that a couple hundred THOUSAND fellow humans died recently in natural disasters? So, our lives aren't so bad, huh? Maybe we ought to go and enjoy it! As one guy I used to know always said, "Major on the majors, minor on the minors!"</p>LC commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e5520f076488332008-05-05T13:23:35Z2008-05-05T13:23:35ZLC"You wouldn't give an alcoholic a beer, why give someone who cannot control their spending the opportunity to go further...<p>"You wouldn't give an alcoholic a beer, why give someone who cannot control their spending the opportunity to go further into debt?"</p>
<p>This is implying that Dave ONLY accepts credit cards, in other words, is forcing you to use them. I think a more realistic analogy is this: </p>
<p>Say you were friends with an alcoholic and you encouraged them not to drink anymore, told them how bad their behavior was, and helped them stop drinking. To call Dave Ramsey a hippocrite and not be one yourself would mean that you and your friend could never visit any restaraunt or event where alcohol is available (Applebees, a wedding, a baseball game, etc). Although this is possible and would certainly drive home your point about not drinking, it is rather unrealistic. Also, what does it say about your accomplishment if you haven't taught them to avoid temptations?</p>
<p>Dave Ramsey can refuse to take credit cards but they will still be available to people to use for things far less worthwhile. He needs to spend more effort educating people about these dangers than worrying about what types of payment he accepts.</p>FMF commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e5520ef49b88332008-05-05T12:08:03Z2008-05-05T12:11:17ZFMFhttp://www.freemoneyfinance.comVenitian -- Check out my investing archives: http://www.freemoneyfinance.com/investing/index.html http://www.freemoneyfinance.com/investing_2007/index.html http://www.freemoneyfinance.com/investing_2008/index.html And my retirement archives: http://www.freemoneyfinance.com/retirement/index.html http://www.freemoneyfinance.com/retirement_2007/index.html http://www.freemoneyfinance.com/retirement_2008/index.html<p>Venitian --</p>
<p>Check out my investing archives:</p>
<p><a href="http://www.freemoneyfinance.com/investing/index.html" rel="nofollow">http://www.freemoneyfinance.com/investing/index.html</a></p>
<p><a href="http://www.freemoneyfinance.com/investing_2007/index.html" rel="nofollow">http://www.freemoneyfinance.com/investing_2007/index.html</a></p>
<p><a href="http://www.freemoneyfinance.com/investing_2008/index.html" rel="nofollow">http://www.freemoneyfinance.com/investing_2008/index.html</a></p>
<p>And my retirement archives:</p>
<p><a href="http://www.freemoneyfinance.com/retirement/index.html" rel="nofollow">http://www.freemoneyfinance.com/retirement/index.html</a></p>
<p><a href="http://www.freemoneyfinance.com/retirement_2007/index.html" rel="nofollow">http://www.freemoneyfinance.com/retirement_2007/index.html</a></p>
<p><a href="http://www.freemoneyfinance.com/retirement_2008/index.html" rel="nofollow">http://www.freemoneyfinance.com/retirement_2008/index.html</a></p>Rod Ferguson commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e55224a84888342008-05-04T17:31:21Z2008-05-04T17:31:22ZRod FergusonGah - I don't like Robert Kiyosaki. He reminds me of Laura Schlessinger for finance. But sow has a good...<p>Gah - I don't like Robert Kiyosaki. He reminds me of Laura Schlessinger for finance.</p>
<p>But sow has a good point, Venitian. Learn how money works. Don't take anyone elses "sure-fire-make-millions-while-watching-TV" hype unless you have money to burn. If an investment idea strikes you as good, figure out why - dig deep into the mechanics of why. If a wealth preservation vehicle comes your way, learn what risks it entails. About the only advice that trancends market timing and economic condition is to not keep all of your wealth in one area. Don't put everything in stocks, bonds, assets, currencies, whatever. Spread your wealth around and keep an eye on how the market is moving. You may never "hit it rich" with a lucky pick, but regardless of what happens you won't lose everything either; think of all those retirees that had to re-enter the workforce after the last market meltdown because they were heavily weighted in stocks.<br />
</p>sow commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e552244bf588342008-05-04T13:09:03Z2008-05-04T13:09:04Zsowhttp://www.stewardsofwealth.com/Venitian, Learn how money works. The more you know about money, the greater wealth you will have. Start with your...<p>Venitian,<br />
Learn how money works. The more you know about money, the greater wealth you will have. Start with your financial literacy as Robert Kiyosaki says. When you don't know what to invest in, invest in your biggest asset, yourself. Or else, you'll become your biggest liability.</p>Venitian commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e55223c6a088342008-05-04T02:37:51Z2008-05-04T02:37:52ZVenitianI was debt free 6 months before I ever heard of DR. I use credit cards all the time and...<p>I was debt free 6 months before I ever heard of DR. I use credit cards all the time and pay them off. :-) I'm good at saving. Now how do i invest so i can retire?</p>Brian commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e5521188fa88342008-04-25T12:07:09Z2008-08-27T12:32:18ZBrianI have to agree with the posters that point out that if you're using this as evidence that Dave is...<p>I have to agree with the posters that point out that if you're using this as evidence that Dave is a hypocrite, you're really just out to find something wrong with him. If he didnt take Visa and Mastercard but did take Paypal, you'd be bashing him because paypal gives you the option of funding your account with credit cards. Barnes and Noble sells his books, and they take credit cards. What about the people who take cash advances on their credit cards, then write a check for one of his books? You're looking for an excuse to call him a hypocrite when he's helped hundreds of thousands of people save their families, their marriages and their futures, all while living his message. Gotta say, bud, you're the one who comes off looking bad here.</p>truthforAmerica commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e551f75e6688332008-04-24T04:01:43Z2008-08-29T21:20:26ZtruthforAmericaAdam, so what you are saying there in your post on March 3rd, 2008 is that you are being fake...<p>Adam, <br />
so what you are saying there in your post on March 3rd, 2008 is that you are being fake or you support what is Fake! Wow, what a way to live a life!!!!!</p>Ethan commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e551de3d4188342008-04-11T16:20:20Z2008-04-11T16:20:20ZEthanI can't beleive that people have a problem with this. Anyone who rants and raves about Dave Ramsey acceping credit...<p>I can't beleive that people have a problem with this. Anyone who rants and raves about Dave Ramsey acceping credit cards for his GET OUT OF DEBT materials is just an up tight whiner. The guy is doing a great job helping america get out of debt and you can point at this spec in his eye and you ramble on about it? give me a break, give him a break, get out of debt, drink some wine, and SHUT UP.</p>Jerry commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e551c4c83c88342008-04-07T06:48:58Z2008-04-07T06:48:58ZJerryAll this blather about Dave being a hypocrite... I've been listening to his show with great regularity. In one show,...<p>All this blather about Dave being a hypocrite... I've been listening to his show with great regularity. In one show, Dave makes a comment about credit card surfing, transferring balances to a card with a cheap or zero interest rate. He didn't thunder "YOU MUST NEVER EVER USE A CREDIT CARD FOR ANY PURPOSE!!!"</p>
<p>Dave uses hyperbole. So did Jesus. Camels can't get through needle's eyes, and rich men can enter God's Kingdom.</p>
<p>He doesn't like credit cards. He despises the free and easy access to credit because of the inherent dangers. And he talks about what works for him. And he gives away books and classes and tickets almost every day.</p>
<p>My wife wants to keep a credit card (with a zero balance) for security. Okay. I love her and want to make her happy. But y'know, Dave asks customers, "Don't use a credit card, get out of the habit." </p>
<p>One other little comment. People often don't value things that are free. If it costs something, it has more psychological worth.</p>
<p>Hypocrite? You do the best you can in the world as it is, not the world as we wish it were.</p>
<p>--Jerry</p>S. Blain commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e55197462c88342008-03-29T17:49:06Z2008-08-30T16:35:23ZS. BlainWHO CARES?? Dave helps thousands of people! If it takes one more credit card purchase to save peoples lives then...<p>WHO CARES?? Dave helps thousands of people! If it takes one more credit card purchase to save peoples lives then SO BE it!!!</p>kentuckyliz commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e55150ebad88342008-03-20T12:22:49Z2008-03-20T12:22:50Zkentuckylizhttp://undercovermillionaire.blogspot.comI'm DEBT FREEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE!!!!! Freeeeeeeeeeeeeeeeedommmmmmmmmmmmmmmmmmmmm!!!!! Thanks to Dave for teaching me what I already know...in such a compelling way as to...<p>I'm DEBT FREEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE!!!!!</p>
<p>Freeeeeeeeeeeeeeeeedommmmmmmmmmmmmmmmmmmmm!!!!!</p>
<p>Thanks to Dave for teaching me what I already know...in such a compelling way as to change my heart and my behavior, when nothing else could.</p>
<p>Keep up the good work!!!</p>DJRoss commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e5513348b088332008-03-18T20:46:00Z2008-03-18T20:46:01ZDJRossThe true problem here is that Dave Ramsey has a conflict of interest to deal with. 1. He denounces the...<p>The true problem here is that Dave Ramsey has a conflict of interest to deal with.</p>
<p>1. He denounces the use of credit cards for any reason whatsoever. There are no comprimises to this mantra. We all know this, and for those of you who have jump on board his bandwagon you know that it is the cornerstone of all he preaches.</p>
<p>2. Commerce both on and offline requires a payment system. Or revenues logistics. There are several options in which to choose from. Accepting and receiving checks, ACH transfer accounts,wire transfers and of course cash.</p>
<p>The conflict for DR is that he wants to grow his business. However growing his business in the case of accepting payments is at odds with his "principles" and it is at odds with the guidance and council he provides for his listeners. What makes this difficult is how do you help those get out of debt if that is your greatest desire when you:</p>
<p>1. Charge fees to attend live events, pay for FPU packages, books, designer envelopes to keep track of your budgeted payments, etc</p>
<p>2. Set up a payment system that is more convenient to maximizing sales volume at the risk of accepting credit cards.</p>
<p>If you have a nationally syndicated radio show and you have written several published books. Than your income should be sufficient as well as your plan (what you preach to others)to have you living like no other to borrow a Ramseyism. Therefore what purpose does the business serve if not to increase his wealth even more?</p>
<p>How much of his wealth has been garnered at the expense of those who actually can least afford to be nickle and dimed to death by this fee and that cost for all the products he has in his online store?</p>
<p>Even assuming that his offerings are reasonable for those he caters to, how does he justify using a system where credit cards are most certainly being used by those who can justify any purchase due to their current mindset of pay later.</p>
<p>Knowing that DR has claimed to be wealthy, what does it benefit him to continue doing this? If he has practiced what he preaches, than it should not be difficult to:</p>
<p>1. Offer all of his products at cost<br />
2. Make these products available through money order accepting only cashiers checks from banks (personal checks can be bounced and even if they are a little more thought provoking, credit card maniacs can easily write them without regard for bouncing them), or ACH transfers.</p>
<p>If these people truly need help, than are they going to quibble about setting up a transfer or write a check to someone who has their best interest at heart?</p>
<p>DR has decided not to do this. Yes he has offered people free books(although not across the board. Just if it warrants. Where do you draw the line?) DR is valuing his business over his followers in that the comprimises are geared toward increasing revenues and not about sticking to his principles regardless.</p>
<p>In the end one can only come to the conclusion that Dave Ramsey is a hyppocrite. We can all justify why he had to do it, but the reality is that nobody is twisting his arm and forcing him to.</p>partgypsy commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e55143acc288342008-03-17T18:10:40Z2008-08-30T16:36:30ZpartgypsyI find these comments really humorous. Are these people truly "outraged" that that oh my God it is possible to...<p>I find these comments really humorous. Are these people truly "outraged" that that oh my God it is possible to use a credit card on Dave Ramsey's site even though he advises you not to do so? Are they kidding? <br />
Everyone needs to make a living. Dave Ramsey makes a living by helping people get out of debt, something critically needed in this debt-ridden society. <br />
To tell you the truth, the people who disregard his admonition and charge his book anyways are probably the people most likely to really need his materials, and hopefully with that extra help ultimately stop using credit cards. And that's a GOOD thing. </p>Alex commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e551038c8d88342008-03-11T17:22:35Z2008-03-11T17:22:35ZAlexDave is obviously a hypocrite. After all, he thunders fire and brimstone against credit cards but then made a personal...<p>Dave is obviously a hypocrite. After all, he thunders fire and brimstone against credit cards but then made a personal moral decision about allowing debit card use thus opening a back door for credit cards and THEN, sweet Heaven, looks to make the PURCHASER personally responsible for their own actions! It is obvious he himself is teh evil since he is rich and everyone knows that rich people like nothing more than grinding their heels into the necks of the working class. It's not like he earned it, after all, he just sits on the radio all day long and completely forfeits his Christianity by fouling the airwaves with character assassinations (a.k.a. personal opinion) such as twit, idiot, stupid and blue language such as freakin'. If Jesus had bothered to stay in His grave, He would surely be rolling in it. And just how does his actually experiencing a bankruptcy give him any insight or right to comment on and against it? The nerve! As a filthy rich, stinking conservative, celebrity Christian he obviously should see NOTHING but black and white, should clothe himself in sackcloth and ashes, never EVER be forced to find the best solution in a moral quandary (something he should obviously never find himself in being an evil rich man busy trodding necks) nor make a cent of profit. Only then will he be pure, just, and beyond reproach.</p>
<p>In the interest of full disclosure, I am a die-hard Ramsey cultist and am currently laughing all the way to the bank. </p>
<p>Cheers!</p>Adam commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e550a7929388342008-03-03T07:57:29Z2008-08-28T06:43:29ZAdamOh yeah one more thing it cost me $100 just for the class not counting to $29 for live show...<p>Oh yeah one more thing it cost me $100 just for the class not counting to $29 for live show and $79 yearly fees. That is $200 i could have saved this month to put toward that debt free car he is wanting me to buy in 7 years.</p>Adam commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e550a7923488342008-03-03T07:55:48Z2008-03-03T07:55:48ZAdamThe only thing i have against dave is that it is getting me more in debt for everything he offers...<p>The only thing i have against dave is that it is getting me more in debt for everything he offers than it is helping me get out of debt. I have only done the FPU class for 2 weeks but my first week there the "volunteer" says we can see dave live for $29 more. Then im on the FPU website and can only use the gazelle budget sheet while im attending FPU and then it will cost me $79 yearly after that. Seems like he is wanting me to get more in debt to get myself out of debt. I am still new to all of this so maybe i am missing something but it seems a little odd to me.</p>Angel Marie commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e55089828788332008-02-28T17:03:12Z2008-02-28T17:03:12ZAngel MarieI like Landon's comment. Here's the bottom line-there are TONS of self-help books, programs, blah blah blah, on every subject...<p>I like Landon's comment.</p>
<p>Here's the bottom line-there are TONS of self-help books, programs, blah blah blah, on every subject imaginable: health, money, organizing, relationships, self-esteem, recovery, and so on. Most of them, (within the same subject, of course), have the SAME information presented in slightly, or drastically, different ways. Whatever motivates you to actually MAKE positive changes in your behavior is going to be different for you than for me, or the next girl, and so forth. Just find what works for you and leave what works for someone else alone.</p>
<p>You have to be realistic about what will ACTUALLY work. </p>
<p>Here's an off-topic example: Ideally, I would study the sales flyers, cut coupons, make meal plans and lists corresponding with them, and spend hours going to different stores to get the best bargains. I have, in fact, done that many times, and averaged 40-50% savings off shelf prices. But right now, I have a FT job, I'm taking three college classes, I have four kids, and my husband and I are repairing our marriage. I probably *could* carve out the time to continue with the sale hunting, BUT realistically, I am not going to do it. I value time with my family more than that money saved I guess. So what often happens is we fall down on the sofa in the evening, look at each other and say, "What are we going to do about dinner?" and at least half the time we wind up getting takeout, pizza, or some other expensive and unhealthy option. SHOULD I do something else? Of course, but realistically, I am not. Suddenly it occurred to me, I keep passing by those skillet meals and simple to prepare things in the grocery store because they are too expensive and not as healthy as I'd like. But, HELLO!, realistically I am spending two or three times as much on two or three times as unhealthy foods when it comes down to it. So now I buy the frozen skillet meals and stuff for those nights when we don't have enough in us to prepare dinner and still be in the moment with our family. Yeah, it's more than I spent when I was coupon queen. But I can keep clinging to those great intentions and then letting things slide when it comes to it-which makes me feel guilty on top of broke and unhealthy, haha!-or I can be realistic about what I expect from myself, and recognize that I have a lot more on my plate NOW then I did THEN and readjust my habits.</p>
<p>I think Dave is being realistic. Of course he is running a business; it is not a crime to want to succeed in business! People bitching and moaning about other people making money reminds me of the ugly girls in high school bitching and moaning about the pretty ones spending so much time trying to look cute-they are just jealous they don't look as cute, and too negative to realize they would look just as cute if they learned a little something from those girls who take care of themselves and had a positive attitude. But anyway...My point is that he has realistic expectations.</p>
<p>In a nutshell, get over it.</p>FMF commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e5506ad50988342008-02-18T15:32:57Z2008-02-18T15:32:57ZFMFhttp://www.freemoneyfinance.comR -- Ha!<p>R --</p>
<p>Ha!</p>R Taylor commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e55057645288332008-02-18T15:30:37Z2008-08-29T21:23:53ZR TaylorWow...a "hypocrite"? Since we are calling names, I think you are one HUGE sensationalist....probably in need of some lithium.<p>Wow...a "hypocrite"? Since we are calling names, I think you are one HUGE sensationalist....probably in need of some lithium.</p>rod commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e5503d1a8988342008-02-09T07:29:20Z2008-08-27T12:16:47ZrodIf it was about principle he would refuse to take credit cards period. Instead his company would take checks, money...<p>If it was about principle he would refuse to take credit cards period. Instead his company would take checks, money orders and electronic transfers from a personal checking or savings account. But,he understands that would cut into his revenue streams and that is his chief concern. This is from the same hypocrite that preaches personal accountability and responsibility yet , when his own financial situation deteriorated ,he ran to the bankruptcy court.</p>Dan commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e55016c2fc88342008-01-31T04:58:55Z2008-08-30T14:15:39ZDanWith his success Dave Ramsey has become very rude and extremely arrogant. While pretending to be such a good Christain...<p>With his success Dave Ramsey has become very rude and extremely arrogant. While pretending to be such a good Christain he daily belittles other people with a barrage of name calling, idiots, twits, liars, stupid, freakin, and so on are just a few of his choice words used to belittle hard working people that may not be as lucky as him to be perfect and have his millions as he tells us regularly. This is not Christian talk especially on the radio. You cannot buy your way to heaven with tiths . How can any church justify having his stuff in their church? Did Jesus not become angry and overturn the tables of the money changers? I can remember in the 90s when Dave was actually pleasant to listen to but not anymore. Dave preys on a certain group of folks that buy his wares and needs someone to tell them what they need to do and that is OK but to attack people he has never met is not Christian behavior. His ELPs are required to pay him a fee which is a little know fact, they are not for our benefit as he suggests. I had a personal experience with an ELP that cost me dearly because they had to pay him they said. I was debt free long before I ever heard of Dave Ramsey and yes I have carried a single credit card all my life and have not paid a penny of interest. My credit card is not evil, it is just a piece of plastic for me to use when I choose. My card hase never once forced me to buy anything. Also I have received nearly $5K off NEW car purchases which Dave says cannot happen. It is all about self discipline and control, and using your own good common sense, there is no magic about it. Every used car I ever bought was nothing but a money pit. I never got the superior service Dave gets when he drives in I am pretty sure. In the end Dave is just piling up his piles of cash as he often says and it mostly comes from those that really cannot afford it.</p>Kevin commented on 'I Think Dave Ramsey is a Hypocrite'tag:typepad.com,2003:6a00d83451bcbd69e200e55007cda788342008-01-25T18:31:57Z2008-01-25T18:31:57ZKevinChris, Received the book today. Thanks.<p>Chris, </p>
<p>Received the book today. Thanks.</p>