{"id":713,"date":"2013-12-09T06:03:33","date_gmt":"2013-12-09T11:03:33","guid":{"rendered":"http:\/\/iip-group.com\/hectic-dad\/?p=713"},"modified":"2015-06-12T16:21:13","modified_gmt":"2015-06-12T21:21:13","slug":"hating-dave-ramsey","status":"publish","type":"post","link":"https:\/\/www.hectic-dad.com\/hectic-dad\/hating-dave-ramsey\/","title":{"rendered":"Folks I Love to Hate &#8211; Dave Ramsey"},"content":{"rendered":"<p>There are some people that you just want to punch in the face. Not because they&#8217;re awful, but because they&#8217;re telling you things you don&#8217;t want to hear. And then you do something and you can practically hear their voice saying &#8220;told you so&#8221;. <a href=\"http:\/\/www.daveramsey.com\/home\/\">Dave Ramsey<\/a> falls into that category for me.<\/p>\n<p>Dave has <a href=\"http:\/\/www.amazon.com\/Dave-Ramsey\/e\/B000APQ02W\/?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;tag=wwwhecticdadc-20\" target=\"_blank\">written books<\/a><img loading=\"lazy\" decoding=\"async\" style=\"border: none !important; margin: 0px !important;\" alt=\"\" src=\"https:\/\/ir-na.amazon-adsystem.com\/e\/ir?t=wwwhecticdadc-20&amp;l=ur2&amp;o=1\" width=\"1\" height=\"1\" border=\"0\" \/>. He&#8217;s on the <a href=\"https:\/\/www.google.com\/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=1&amp;cad=rja&amp;ved=0CEAQFjAA&amp;url=https%3A%2F%2Fwww.daveramsey.com%2Fshow%2Fradio%2F&amp;ei=MbWgUrb_AeHW2AWG2oDYAg&amp;usg=AFQjCNF8zXvncoQLHef-o53VLNcod9KXlw&amp;sig2=Sa5TQzY0HXQS_wW86D5G2A&amp;bvm=bv.57155469,d.b2I\">radio<\/a>. He&#8217;s done <a href=\"https:\/\/www.google.com\/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=1&amp;cad=rja&amp;sqi=2&amp;ved=0CD0QFjAA&amp;url=http%3A%2F%2Fwww.daveramsey.com%2Fevents%2F&amp;ei=TbWgUqrHBsek2AXMkoHAAQ&amp;usg=AFQjCNHofacSIVFcLqdGOIIHAngNIgH5Xw&amp;sig2=mDcDnghxc8sMYbquMOzhGw&amp;bvm=bv.57155469,d.b2I\">live events<\/a>. He doles out financial advice in a manner that pretty much anybody can understand. He&#8217;s got a system that works for lots and lots of people. He teaches people how to get their financial lives back in order. And he does it from a Christian perspective that really appeals to me.<\/p>\n<p>When I&#8217;m in the car and his radio show is on, I listen to it. And I get great ideas of how to manage things better. I&#8217;ve read his books enough times that I had to order new copies because my old ones were falling apart from so much use. I&#8217;ve been a paying member of his website so that I could interact with the amazing and supportive community that exists there.<\/p>\n<p>But he still makes me mad.<\/p>\n<p>Not really mad at him, but mad at myself. In his book,\u00a0<a href=\"http:\/\/www.amazon.com\/gp\/product\/1595555277\/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1595555277&amp;linkCode=as2&amp;tag=wwwhecticdadc-20\">The Total Money Makeover<\/a><img loading=\"lazy\" decoding=\"async\" style=\"border: none !important; margin: 0px !important;\" alt=\"\" src=\"http:\/\/ir-na.amazon-adsystem.com\/e\/ir?t=wwwhecticdadc-20&amp;l=as2&amp;o=1&amp;a=1595555277\" width=\"1\" height=\"1\" border=\"0\" \/>, he talks about the <a href=\"http:\/\/www.daveramsey.com\/new\/baby-steps\/\">Baby Steps<\/a> to financial success. These seven steps, accomplished in this order are a great roadmap to getting a financial house in order. They&#8217;re really not that hard to understand:<\/p>\n<ul>\n<li>Set aside $1,000 for a starter emergency fund<\/li>\n<li>Payoff all debt using the debt snowball<\/li>\n<li>Set aside 3-6 months of living expenses<\/li>\n<li>Invest 15% of income in Roth IRAs and pre-tax retirement<\/li>\n<li>College funding for children<\/li>\n<li>Pay off home early<\/li>\n<li>Build wealth and give<\/li>\n<\/ul>\n<p>Having read the book years ago and listened to the show for years, I&#8217;ve seen some of the concepts evolve, but the general idea is\u00a0<em>manage your money instead of letting your money manage you<\/em>. While we jumped on the bandwagon late enough in life that the steps are in a jumbled order for us (we already had our oldest in college when we started the first step), I&#8217;ve worked hard to make progress on all the steps.<\/p>\n<p>What ticks me off is that it&#8217;s hard work. There is nothing easy about this. You have to actually\u00a0<em>budget<\/em> your money. When you have a large portion of your income that arrives in fits and spurts due to consulting contracts and irregular distributions from various investments and company-involvements it&#8217;s even harder to budget.<\/p>\n<p>You have to look at everything you&#8217;re doing that costs money and actually make decisions. You can&#8217;t just run on auto-pilot all the time. If you stick to Dave&#8217;s teachings, you don&#8217;t carry credit cards. There is no buying stuff that you don&#8217;t have money for. And that money has to already be sitting in the bank.<\/p>\n<p>Dave has walked the walk. He&#8217;s lived through a bankruptcy. He&#8217;s recounted how his wife was peeved at him for his inability to control spending. He&#8217;s eaten beans and rice to get by. He writes and broadcasts in a way that really speaks to me. But he also challenges me to do more than I&#8217;m already doing. Way more.<\/p>\n<p>He&#8217;s kind of a hard-butt about things. He doesn&#8217;t really go for excuses. When folks call into his radio show with a similar problem to one I&#8217;m having I hear the advice as if he&#8217;s talking directly to me. And sometimes I just don&#8217;t want to hear the specific advice. Like I said&#8230;this stuff is hard. You don&#8217;t get to take a day off and splurge without facing the consequences later.<\/p>\n<p>During the Christmas season it&#8217;s that much harder. With ten of us in the family, it&#8217;s hard not to spend. Whether it&#8217;s on food for our family meals or gifts for family and friends, my debit card tries to burn a hole in my pocket. We also have <a title=\"Holiday Travel Plans are a Killer\" href=\"https:\/\/www.hectic-dad.com\/hectic-dad\/holiday-travel-plans\/\">travel during the holidays<\/a> that can get expensive. Pretty much every day I&#8217;m tempted to spend on something else.<\/p>\n<p>Fortunately, listening to Dave as much as I have, I also have a habit of really thinking about the consequences of my financial activities. I don&#8217;t always like it, but honestly most days I&#8217;d like to shake his hand rather than punch him in the face.<\/p>\n<p>At least that&#8217;s the case most days.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are some people that you just want to punch in the face. Not because they&#8217;re awful, but because they&#8217;re telling you things you don&#8217;t want to hear. And then you do something and you can practically hear their voice saying &#8220;told you so&#8221;. Dave Ramsey falls into that category for me. Dave has written [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3],"tags":[129,75],"class_list":["post-713","post","type-post","status-publish","format-standard","hentry","category-financial","tag-perfectionist","tag-success"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Folks I Love to Hate - Dave Ramsey -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hectic-dad.com\/hectic-dad\/hating-dave-ramsey\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Folks I Love to Hate - Dave Ramsey -\" \/>\n<meta property=\"og:description\" content=\"There are some people that you just want to punch in the face. 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