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05-20-2024, 05:26 AM #61
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05-20-2024, 05:33 AM #62
- Join Date: Feb 2013
- Location: East Coast, Australia
- Posts: 21,561
- Rep Power: 424666
Dave Ramsay ***anything*** is the most ridiculous ***anything***
Inb4 rice beans corollaBy reading this post you acknowledge r32gojirra is an online persona and all posts by r32gojirra are satirical in nature. Comments by r32gojirra shall not reflect on the integrity and morals of the author portraying the online character nor any professional or contractual affiliates of the author.
AP4C
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Repped by kimm into 200kcrew crew
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05-20-2024, 06:44 AM #63
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05-20-2024, 06:48 AM #64
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05-20-2024, 06:52 AM #65
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05-20-2024, 06:52 AM #66
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05-20-2024, 06:57 AM #67
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05-20-2024, 07:03 AM #68
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05-20-2024, 07:17 AM #69
- Join Date: Jun 2014
- Location: California, United States
- Age: 34
- Posts: 6,241
- Rep Power: 54651
OP are you retarded?
When you call into Ramsey you are supposed to give him your net income. He bases everything off net income numbers. So if you are living on 150k net, you can absolutely live off 70k and throw 80k at 200k in debt.
You got all this BS from the subreddit crazydave didn't you. A bunch of losers who claim Ramsey's advice isn't sound. It is, but like you its analyzed by a bunch of retards. Pay off your unsecured debt, then set up your 6 month fund, then pay off your secured debt. Live like a king at 50 years old. 30 years of stress free money living sounds pretty good to me. The problem with you and others like you, is you want to eat your cake now when you haven't actually earned it. Its not your fault you aren't rich, its everyone elses....*Updated* If you can't hit a 320 yard drive, are you even a man?
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05-20-2024, 07:22 AM #70
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05-20-2024, 07:25 AM #71
I like his show a lot and find it wildly entertaining but you're wrong. Everyone calls his show and gives them his gross income
only maybe 20-30% of people give a net income. Dave routinely talks to people who make 100-150K and tells them to throw 50-100k at the debt....100-150K is like 70-110 after taxes dude. That math is ****ing impossible
150K net clear after taxes is like 250k a year. You think that many people make that much who call into the show?
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05-20-2024, 07:27 AM #72
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05-20-2024, 08:26 AM #73
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05-20-2024, 08:28 AM #74
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05-20-2024, 08:30 AM #75
1. where are 2be/1ba apartments for 2k/month when 1be/1ba average about $1500?
2. Even if there was a $2k/month apartment available, the cost of rent isn't static. A lot of people get phucked over pretty hard in States with no rent control where the rent can jump as high as 50% every year. You live in an apartment like that and you'll quickly get priced out.
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05-20-2024, 08:34 AM #76
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05-20-2024, 08:38 AM #77
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05-20-2024, 08:38 AM #78
I don’t follow Dave or listen to any of his stuff, link to that statement?
You can find a 2 bedroom 2 bath for $2k a month in probably 99% of the country. Even in the absolutely most expensive markets you may have to go up to $2500 tops
Go look at Dallas, Phoenix, Vegas, Tampa, Orlando, Oklahoma City, st Louis, Nashville, North Carolina, etc and come back and tell me it’s impossible to find a 2 bedroom for $2k
And 50% rent increase in a year? How often does that happen? You’re just trolling with that statement. Industry standard is 3-8%
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05-20-2024, 08:38 AM #79
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05-20-2024, 08:40 AM #80
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05-20-2024, 08:40 AM #81
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05-20-2024, 08:41 AM #82
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05-20-2024, 08:41 AM #83
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05-20-2024, 08:45 AM #84
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05-20-2024, 08:47 AM #85
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05-20-2024, 08:54 AM #86
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05-20-2024, 08:58 AM #87
He doesn’t give goals that are impossible..I listened to him maybe a dozen times, & every show you have multiple people calling in thanking him for his advice as it got them out of debt. So clearly his advice is working otherwise you would not have people constantly writing & calling him giving their testimonies.
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05-20-2024, 09:05 AM #88
In States with rent control the industry standard is 3-8% (and no more than 10% in a calendar year). but there are a lot of states without that protection.
I know, this is the part where you say to "just move" but a lot of people in bigger cities are stuck often due to familial obligations and have no choice but to pay high prices they cannot affort. Not to mention just the process of moving somewhere else is expensive even if you're not tied to a specific location for any particular reason:
-gotta save up for a moving van
-gotta find a job, which means driving back and forth to that location to partake in potential multi-round interviews. This can be very daunting especially if you're moving far away
-gotta take time off of work to go to those out of state job interviews because they're most likely going to take place on the weekday during normal business hours
-gotta take time off to pack up, clean up, and move
-all that time off (mentioned above) means less money coming in...money they already don't have because they're getting raped in rent
-moving into a new apartment for most areas often requires first month+last month+security deposit. Another chunk of money people don't exactly have lying around.
-more importantly, you may be unable to move since more and more places are performing credit checks and if you were ever late on a bill or two (due to struggling financially in the first place) your credit score may be too low to even qualify for a new apartment elsewhere. What eventually happens to these people is they're stuck in their apartment, then rent raises the following year (which they cannot afford) and they become the many "functional homeless" that are a growing population in many cities. These are people that have cars and even jobs but the pay at their job is chit or rent is so expensive that they cannot afford a roof over their head so they just live in their car.Last edited by Maestro; 05-20-2024 at 09:14 AM.
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05-20-2024, 09:23 AM #89
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05-20-2024, 09:25 AM #90
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