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I grew up with Dave Ramsey's money advice, but I don't use it anymore - Business Insider

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'As I had grown up, my worldview had changed — so why was my main financial mentor still the same person I had looked to when I was 16?'

I also want to invest more than 15% of my income for retirement, and I haven't decidedI don't necessarily think Ramsey's Baby Steps are bad advice. But I'm coming to terms with the fact that they aren't the end-all, be-all guidelines for financial success, which was the message I personally took away from my finance classes in high school.

Ramsey's discouragement from doing what everyone else is doing also appealed to my high school social group. As Christian teens, we were taught that the world would be full of temptation, and we'd have to resist the urge to sin. Just because everyone else was doing something didn't mean we should do it. On the contrary, it probably meant we shouldn't.

 

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Glad to hear you broadened your horizons on money (I agree with some of what he says not all). Sounds like you abandoned Christ on your journey though due to anger at religion. That’s sad (but God won’t give up on you)!

Ramsey is the worst

I agree 100% with your article. I think Ramsey's advice is great for people who are bad at money. I'm not going to buy a 1995 Chrysler because he wants me to pay is my mortgage earlier. It'll be paid off before I retire and I'm going to live a little in the meanwhile.

We paid off our debt using Dave’s system then found the moneyguyshow and have found them really helpful.

I feel for your parents

At the age of 16, you have good memories, you know?

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