Loved this audio. I've been doing it all wrong, but I will make a change over starting today. Dave Ramsey makes you laugh while giving sound advice expelling all the myths
this material is on point. will listen again. i received so much vital information and my wife and i will persue doing the program.
Dave has excellent advice for the Chronic Poor, the Chronic Debtors, and Check-to-Checkers. The Educated and Disciplined will need more advanced planning when it comes to estate planning, permanent insurance, etc. I take the good and great and ignore the debatable. Example: yes, a 2-3 year-old car costs than a new car. However you are likely to have 2-3 years less on the warranty. There have been studies showing that you don't save much over the life of a vehicle by buying a used car. Google "is it cheaper to buy a new or used car". Consider warranty, included maintenance, etc.
I don't like whole life insurance, but I do believe that other types of permanent insurance do play a role for the middle-class, upper middle -class and above.
The main points are great. Each individuals' situation is unique.