6 WAYS I DISAGREE WITH DAVE RAMSEY ($1,000 emergency fund? Seriously??)
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- เผยแพร่เมื่อ 1 ก.ค. 2024
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6 WAYS I DISAGREE WITH DAVE RAMSEY ($1,000 emergency fund? Seriously??)
I've got 99 problems, and Dave Ramsey's advice is some of them. Besides the advice that dave ramsey gives, there's other reason why I dont follow dave ramsey. I'll do a separate video on why i dont follow dave ramsey anymore, but here's why you should be careful when listening to the dave ramsey show: dave ramsey can be wrong and that's ok. Also several people have reported that dave ramsey ruined my credit score. If you understand the basics of personal finance which is to spend less than you make and you're asking yourself, "should i follow dave ramsey?" The dave ramsey baby steps are going to be very disappointing for you because you're going to be working a 9-5 for the rest of your life. The baby steps are outdated, dave ramsey has gone down a bitter hole (just ask Chris Hogan). I still think there's things that can be learned from dave ramsey in the realm of what NOT to do so i don't think dave ramsey canceled is a good thing, but why i no longer follow dave ramsey is revealed somewhat in this video and a future video of why chris hogan was fired.
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00:00 - Dave Ramsey is wrong and that's ok
01:08 - I disagree with Dave Ramsey #1
03:34 - I disagree with Dave Ramsey #2
05:13 - I disagree with Dave Ramsey #3
06:18 - I disagree with Dave Ramsey #4
08:50 - I disagree with Dave Ramsey #5
09:33 - I disagree with Dave Ramsey #6 - แนวปฏิบัติและการใช้ชีวิต
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I am a finance counselor and I work for a university. Dave drives me crazy. In the modern world a good credit score requires a credit card and timely payments. Auto loans, mortgages, car insurance, getting an apartment all use credit scores. Just don't spend more than you can payback.
So simple!
I stumbled upon your videos by accident and I am not going to lie, your videos are the most honest ones out there with personal finance. I have been a Dave Ramsey fan for years but I also disagree with some of his teachings. I almost pulled the trigger on FCMT until I saw your videos about it and how I agree way more with you and your philosophy on finance. I hope to be able to save up and be apart of your team because it seems great. Keep doing what you are doing!! I know this is an old video but it was a good one.
“It’s not the gospel, it doesn’t stand the test of time” 🤣🤣🤣👏🏼👏🏼👏🏼
#trueee 😂
Unpopular opinion but I agree with you! hahah glad you are speaking on this. Everyone's financial journey is not the same.
Appreciate it!!🙌🏻
I completely agree, I think one months income is a good starter emergency fund! In the 90s where I am in PA rent for a two bedroom was $500 now it’s $1500. $1000 wouldn’t even cover just the rent for a month!
Yesss 🙌🏻 great real world example!
I feel as though people pick apart Dave’s concepts but there are too many stories that prove it works.
Did you watch the video? 🤔
Great post. Agree with all of these although I hadn’t thought of the credit score item. Great content!
Thank you!
Great video! I loved the phrase “gazelle smart”
Thank you so much! Yes I’m a big fan or smarter not always harder 😊
Beautifully said! And I 100% agree. You put it into words so well. Great video, thank you for the great content!
Thank you so much for taking the time to write a comment! I appreciate it!!
So I stumbled on this video today.... 3 yrs later. Thank you for this. Especially the "house-hacking" term bc that's the name of what I was thinking of doing involving my family living on the same property as my aging mother and young adult son.
Now I can jump into research on how to help us all attain a home and hopefully "wealth" to settle into in the coming months/years!
You got this! 😊 thanks for watching
Most people who are disciplined in their finances are not calling Dave for advice. Most of them are in debt and in need of behavioral change. Dave is very helpful in this area.
Very true!
AGREE! Although we followed his plan, it wasn't to the T. If we only saved $1000 and our AC went out (in FL), we'd be right back in debt. And our credit score gave us lower interest rates, better credit card offers, etc. He also does a lot of shaming "debt is dumb" is my least favorite phrase. Thanks for all of this!
Great feedback with this, I'm glad that your credit score was able to help you! I've heard horror stories of vacations turning into nightmares because the family didn't have a credit card and nothing would take cash or their debit card! I also agree that creating a shaming culture doesn't help.
I like how well you communicate your ideas in contrast to the Ramsey plan. Thanks for everything you do on your channel
Thank you for watching! I appreciate the kind comment! 😊
Spot on!
Thank you for watching! Appreciate it!
I have to say Dave has helped me a lot!! I don't have any debt and cash flow everything! Thanks dave!! Sitting on a great mountian of federal reserve notes!! Your opinion is right and thanks for sharing!!
Agreed! His debt payoff plan is undeniable 👍🏻
I agree I agree I agree
🙌🏻
Right on, right on, right on, right on, right on, right on!
Thanks for watching! 😊
Jess, I do not know why $1000 is the bar for Baby Step 1. My understanding is that it functions simply as a STARTER Emergency Fund completed prior to beginning to pay off ALL debt, Baby Step 2. I don't think he had the adjustment for inflation in mind. It's a baby step- a nice round number - to build confidence and a little cushion to offset any emergency that might crop up. Some folks living paycheck to paycheck NEVER save anything. In other words, I think his suggestion is more MENTAL than MATH- a feel-good accomplishment for folks who need a jump-start to the goal of a fully-funded EMERGENCY FUND of a 3 to 6-month cushion to cover living expenses. Everyone has to start somewhere, right? Enter the $1K STARTER Emergency Fund.
Hi, Trisha, thanks for the feedback. I definitely understand the idea and theory behind baby step 1 and I think it’s super important to have a starter emergency fund. The problem is that the amount is not accurate and Dave insists on the fact that anything over $1000 is a bad idea because that money should be going to debt. When confronted about the inflation of the $1000, he is still unwilling to change his stance. Like I say in the video, if we want to communicate the importance of a starter emergency fund in a more accurate way that would work for people not ONLY in the mid west but in high cost of living as well, a percentage would be a great fit.
@@FinancialCoachJess Yes your suggestion is a good one.I agree that a revisit of his suggested Emergency Savings amount is worth reconsidering for sure Thank you!
Same here!🙌🏻
Yes a thousand dollars is not enough these days but it just give you into a habit of just being disapline to save that amount first.
Agreed, but habits do you no good if there’s not a correct plan in place. Saving is useless if the person has debt or if (they have no debt) but they aren’t investing
I'm doing the baby steps with a 15k emergency fund,I was doing the baby steps 4 years ago and spent 4 moths out of work my 15 k emergency fund carried me through wit no problem
15k makes a lot of sense if your income is volatile! Do you own your own business or is your income just highly variable?
@@FinancialCoachJess I work for an Oil Company.Just working 40 hrs with no overtime now so my emergency fund gives me a sense if security.
I agree with you on the credit card point. I paid off my credit cards and bought a car. I managed to pay it off more than a year early. I went to a bank for my car loan so that would be easier to do. My sinking funds are fully funded and I invested in Bookkeeper launch. I just let my car payment deduction from my paycheck stay the same and less than 1/2 of that is going for that each month. I feel any plan has to be adapted and you can't do that until you get your nagging debts paid off.
Congrats! Very true!
Love this video! I also agree/disagree with some of the advice. Especially the emergency fund. With what happened this last year if I only had 1,000 and lost my job there’s no telling how much more debt i would have accrued.
Very true! I think this year is definitely a huge anomaly that no one saw coming 😂 but even without a global pandemic, $1000 doesn’t scratch the surface in higher cost of living areas
@@FinancialCoachJess Yes i totally agree! That's the first thing we started working on when this all happened. Just being prepared is so important!
Good! Glad you guys made the adjustment. Being prepared is key I agree🙌🏻
Definitely agree with you on the emergency fund and credit score issues. I have never felt comfortable having less than $2,000 in savings.
I need to know more about this “house hacking” that you mentioned!
Yessss🙌🏻 down the road is like to do another video on real estate including house hacking!!
Yes! DO NOT forgo Company Match if your place of employment has that option. Not only does it double your money, it lowers your taxable income for the year you contribute.
Agreed!! Free money!!🙌🏻🙌🏻
You thief you pulled my thoughts out of my head and used them as yours! 🤣 ... You touched on some points I have been saying as well as enlightened me on others. I like the idea of the baby steps it keeps me focused. However, every family and situation is different and this is why I use it as a skeleton and adjust to my needs. If I waited Ilona certain things I will be no where in som situations. I think in my head if something were to happen to me today where would my family be. Somethings can't wait.
Absolutely agree!!
An emergency fund should be able to cover approximately 6 months of expenses, 1 month is not nearly enough
Eventually 6-12 months is ideal of course, but when people start to pay off debt cold turkey, a smaller emergency fund is better!
Great point. Passively managed funds do just as well as the actively managed funds. No sense in paying a 0.75 expense ratio when you can find them as low as 0.04!
SO MUCH YES!!!! And because of the insane expense ratios, actively managed funds HAVE to do so much better just to break even with the fees!! 🤦🏻♀️
I agree with most of your points. What I think is $1000 for emergency fund is sufficient if you are seriously buckling down. I also feel like it motivated you to push. Now with that being said , of course most of the expenses or possible situations would be inputted in the budget I would say. That’s my opinion because that what I do. I tailor my budget to everything I might need or want. So essentially “emergencies” are in my budget.
Having extra in the budget for emergencies is definitely a huge blessing and they way to go if that’s an option!
First off, it is good to be frugal and debt free. I was in debt as a result of a divorce and losing my spousal support which I depended on to supplement my low income. My rent was raised and I couldn 't make it. The Ramsey method doesn't help if you cannot afford to feed yourself. Snowballing still leaves you with nothing to eat. That was 29 years ago and I have been debt free since then. However, Ramsey's method, as you said doesn't apply to everyone. Yet preppers encourage it.
Congrats on coming back from that and now being debt free! That’s quite the accomplishment!
Dave like anyone has good and bad idea's. And Dave is clearly full of himself in my opinion-:)
someone had an 8 point version updating and #1 was create the budget...dont know why that's not a step. Why not make save $500, $1000, $1500, $2000 baby steps 2a, 2b, 2c, 2d? then you'd get small wins on the way.
Very true!
As a self made multimillionaire who started from nothing, I 100% agree with all of these points. The majority of the Dave's audience are sort of dead beats if you listen to the people who call in - they are people who live in the middle of the country, make 40K/year and are in 100K of debt and have little savings. People in this financial situation need a "drill sargent" very strict type of program because they aren't capable of using a credit card responsibly, saving money, etc. His beliefs are not for six figure income earners who are responsible with managing investments, using credit cards responsibly and don't have consumer debt and who want to become multimillionaires. His most ridiculous teaching is to only pay cash for rental properties. That is a joke. I own 10 rental properties in Boston and Cape Cod, MA. The average 1 bedroom condo in Boston is 800K. If I had waited until I had enough cash to buy them, I would be waiting until I was about 450 years old. That is not realistic and ridiculous to save up and pay cash for rental properties meanwhile they are appreciating 5, 10, 15% per year and interest rates have been 2-4% for the past 10 years. Your savings will never catch up to the appreciation in good markets.
450 years old 😂😂
I totally agree, congrats on your success! We just closed on our first rental two days ago 🙌🏻
@@FinancialCoachJess nice good luck with it! My philosophy is location, location, location. Better location = better tenant demographics. Don't listen to these people who tell you buy in the midwest where you can get 15% cash on cash returns. That may be true, but good luck getting the rents from those people. If you buy in or near Boston, SF, NYC, LA or similar blue chip areas, cash on cash returns are lower, but I promise you the appreciation in the long run will make you a fortune and the hassle factor managing tenants in those areas will be zero.
Makes sense! We bought very close to our own home while my husband is still full time w2. Eventually we will branch out
Congratulations on your success, and with the market conditions that favored your strategy. Someone applying the same principle in current market conditions( inflation , unemployment and dropping real estate values) MIGHT apply Dave' s approach to lessen the risk. Ex: tenants with loss of income
Baby step 3 is where you actually begin to seriously fund your emergency fund. The $1000 emergency fund in baby step 1 is really just a psychological and moral victory for people in debt and to be able to say "I could handle a $400 emergency" while you pay off (snowball) your debt (baby step 2). If you tell someone who has no mastery over money to save $10000 first, it will never happen. The snowball method of debt paying is also a psychological victory vs paying highest interest off first. Enjoy your channel and subscribed.🙂
Thanks for watching!
I came across your video because I was watching PLL Video how he got turn down over using credit cards. I use credit cards, my credit card score is Excellent and yet I have ZERO Debt.
I like your point of view also. Because I have great credit score I get low cost loans pay them off it help build my wealth. I am very happy how I did my life and every one different. I believe your video and PLL videos really help the younger generation to know how to conduct their money life. I did not have this information back in 2003 because I did not know Dave existent.
I learn about Dave Ramsey late in my life but I was already debt free. I live in state of CA.
it does cost more to live in Ca. state. but if you're wise and handle money correctly it a great state. I love CA. The weather is so great. If you love Sunny days. Thank You, for your great insight on your video.
Thanks for sharing, that is awesome that you’re in CA and debt free!
I totally agree with you on all points!
I always wondered why he always recommends “growth stock mutual funds” like they are the smartest investment vehicles known to man.
I also agree that credit card can be a blessing if you have the discipline, otherwise it would be a curse. Thanks for making such thoughtful video Jess!
💯💯💯 Agreed!! You’re welcome! Thanks for the feedback!
I thought he suggests a mix of growth, aggressive, international, and bond funds.
@@bgorg1 he does, the problem is two fold. First, he’s very specific about promoting mutual funds and not ETFs. This is likely because he has business partners in the mutual funds business. Second, “growth” and “aggressive” make no sense as two different categories. His whole method is funky.
I have issues with his feelings about student loan debt. When I sent my daughter off to college this year I was okay with her taking out the federal loans she was offered. Over her 4 years the max she can take out is $27k, far less than even a low-ball one year's salary post-graduation and a manageable amount to pay off in a reasonable time. I feel her having some ownership of her education costs are important, because we've all seen what happens when kids have expensive things handed to them...The other issue with his take on college is not all campuses are the right fit for a student. The great big state school might not be the right fit, and that small private school might be perfect. There's a reason graduation rates are higher at private schools after all. I definitely agree that people shouldn't go into $100k of student loan debt to get a degree, but that only happens when the PARENTS take on more loans. The kids are limited to the 27k in federal and usually can't get more than that through private loans without a parent co-signing (enabling) them. DR and AO never talk abut the nuances. I'd be interested to hear your thoughts on student loans.
Thanks for sharing! It’s all very relative until the career is taken into consideration. 27k is a lot of debt snd would be burners on on a teachers salary. Corporate on the other hand? Not nearly as much so.
I went to GREAT LENGTHS to graduate debt free and I talk about it in this video here: th-cam.com/video/8yikObL6iFY/w-d-xo.html
The amount borrowed is moot if you don’t receive (not earn) a worthwhile degree you cannot parlay into a decent starting salary. You should have a serious conversation with your daughter about what her plans are after graduation. If she’s going for any Bachelor of Arts degree, consider the loans wasted money. If you cannot have a serious reality check conversation about her future, don’t send her to college on borrowed money.
I agree with Dave on a lot of things, but these are the exact points that I disagree with him about. Great video!
Same here! Thank you! 🙌🏻
Dave's plan is good for people who have crippling debt. It is not optimal for people who have healthy financial situations and behaviors.
I agree that it’s “good” for people with crippling debt... but I think it could be better with the things I mentioned in the video.
Also, before I found out about Dave I never dealt with credit naturally because I didn’t understand why I would create credit to borrow. I had this thought because i was broke and built myself up to where I am now Witt absolutely no credit. I have paid extra and double security deposits and I always felt this wasn’t fair because I paid cash and I paid my bills and rent. So the credit card thing doesn’t affect me negatively or positively personally.
It definitely feels unfair! Do you still not have a credit score? That’s tough to do nowadays!
@@FinancialCoachJess I have a score ..I haven’t had to utilize it. And oddly enough when I pay stuff off it goes down
That’s pretty normal for it to temporarily go down, if you pay off a car it reduces your credit diversity and utilization. However, if you pay off a credit card and leave it open that will help. Don’t underestimate credit if you want to get into real estate though!!
Before he retires I'd love to see Dave lobby to make FICO illegal. You used to be evaluated on a number of factors instead of a one size fits all number.
That would be interesting!
I believe some jobs will require a good credit score.
I agree! Especially in finance, I think some already do!
I agree with you at minimum on the credit score issue. It seems Dave is backing off on the $1000 emergency fund in lieu of 3 to 6 months living expenses at least verbally but not officially within the baby steps. The $1000 dollars however can be a huge step for folks who have never saved any money and so like to think, especially if they have a coach, once they hit $1000 they will realize they can do it and need much more.
$1000 is definitely a lot for some people!
credit score is very important...!
Agreed! It’s an easy thing to raise that can save individuals thousands!
Only important if you borrow money 💰, definitely important to get a home loan
This is simply not true. Why do people keep parroting that like it’s Groundhog Day in 1995??
I guess it’s ONLY important if you ever want to invest in real estate or start a business or rent a car or stay in a hotel or Airbnb.
More recently some landlords are even checking credit of their tenets to be able to rent.
@@FinancialCoachJess
Whatever your goals ARE:
If post something, you should be able to ACCEPT positive and negative feedback, and other people’s point of VIEW
I’ve had many discussions with people that have similar and dissimilar views as myself. When people spread false information on my page, I have to denounce it. I don’t want others to continue to spread it!
Dave is only good for those who are heavily in debt and can't save money. He's pretty much the beginner level when it comes to getting control of your finances. But if anyone has at least a fair amount of finance literacy, then they'd know Dave Ramsey isn't always right (especially with his absolute hate towards credit cards)
What was the name of those funds that weren’t mutual funds?
I believe I mentioned index funds and target date index funds 👍🏻
You are 100% right. I love Dave and believe he had helped millions of people but he is too simplistic. Giving up matched money is essentially the same as borrowing money at 100% interest in order to pay off debt in Baby Step #2. Not a good idea.
Dave doesn’t talk about opportunity cost that I have heard, that’s a big hole in a lot of peoples understanding of building wealth. You hit the nail on the head!👌🏻
Funny, I really love Dave, and 5 years ago I wouldn’t have even considered hearing you out on your disagreements. But over time I’ve learned that although his plan works, and his principles have never lead me wrong, that doesn’t mean that you have to follow his plan rigidly in order for it to work. We did not follow his plan to a T, because it honestly would have ended my marriage. My husband was not interested in “gazelle intense” and did not agree that credit cards and debt were evil. Part of me is really thankful to Dave for taking that strong stance, because it gave me the opportunity to learn how to be flexible and compromise with others for the sake of making a shared dream come true. If my husband had agreed to everything Dave said too, I would still be very stuck on the idea that credit cards are the root of all evil lol. Now I can actually help people bridge the gap between “normal people” thinking, and Dave’s beliefs.
You said it so well!!!👏🏻👏🏻👏🏻 Glad you and your husband were able to work through it together!
While I agree $1000 isn't enough, most people still don't even have that much saved so it's not a bad 1st step for those who struggle with this simple discipline. I think most people who stick with his plan decide to up that number on their own
Very true!
Totally agree doesn't explain the fees that are recommended by his program. Personally, I would not take his investing advice because he gains a profit to recommend the funds.
Yes! I’ve never heard him talk about the fees that come with mutual funds...
I’ve always felt kinda ishy about his ELP program lol. The conflict of interest part is what gets me. When we first went through Dave’s program, I never knew that his ELPs paid him to be promoted. Once I found that out, I stopped using that service. Just doesn’t sit right with me.
Yes! I didn’t know about it until I went through his master training for financial coaches. Definitely a lightbulb moment of “ohhh well he basically HAS to recommend them...”
@@FinancialCoachJess I found out when I started looking for an investment advisor. The people that his website recommended to me all had a really bad vibe. Then my cousin (who is a CPA) recommended somebody who wasn’t on his ELP list. He told me he had looked into it but would have had to pay a steep monthly rate to be promoted by Dave. Apparently anybody can do it, for any reason. Which means that they don’t actually have to have “the heart of a teacher”, as Dave says. They just have to have the money to pay for the endorsement.
Correct, it’s the same with the financial coaches on his website too. They have to go through his training and then they pay a pretty steep price, I think it’s still $150/month just to be listed. And the way they list it, each coach is recommended with a couple other coaches (but not based on the clients needs, it’s based on proximity which never really made sense to me??) so it created a weird competitive environment and the people that were looking for a Coach usually got pretty turned off by it. Such a shame!
Don’t forget $1000 is a lot more than most people have.. it’s a starting point and only a token to show you can save it. Does a person with 100k in debt with 100k emergency fund actually have an emergency fund?? I think not...
What?
@@FinancialCoachJess Jess, All I was saying is Ramsey is appealing to a different crowd. Hes appealing to the paycheck to paycheck, the 5 credit cards all carrying a balance with a bunch of missed payments. He's a way to take people from that world where the first little step is to save $1000... it wouldn't matter if it was $500, or $1500, or $1800 with inflation from 1992. Its a first step for someone to realize a world other than payments, missed payments, interest thrown on top of missed payments and bankruptcy. Dave is less of a financial plan than he is drama. All you have to do is listen to the calls that get highlighted in his little youtube snips taken from his daily 2hr show. Dave didn't really teach me anything I didn't know, and I certainly didn't follow his order, he just has a plan, sells it well, and helps people do the first few steps to becoming debt free, then most people will look other places. I had some debt I cleaned up, but I didn't stop investments, didn't stop at $1000... He can have all the flaws he wants in his system, but what he has is consistency, and sells it well. The reason $1000 is enough in his mind is the same reason he'd tell someone to take a loss on an upside down auto loan at $30k, then go borrow 5k to buy a cheaper one. if you have a 6 month emergency fund but still owe the equivalent in debt, the net is zero... that is all I was getting at...
I totally get that. Obviously, if I were in debt and looking for a plan I would want step 1 to be something a little more concrete than the equivalent “believe in yourself” 😆 which is what people defend his $1000 emergency fund to basically be.
I believe you should have at least $2000 Emergency Fund since a majority of Americans don't have $2000 of cash on hand for an emergency.
Why do you think $2000 for the emergency fund?
@@FinancialCoachJess Because $2000 covers at least one month of basic expenses and it will cover you if a major emergency occurs that cost more than $1000.00
Depends on where you live. I went to school in Springfield, MO and $2k goes a lonnnng way. A friend of mine lives in Denver and $2k would not cover one month of rent for her. I agree that it makes sense to correlate the emergency fund with cost of living. The problem is that cost of living varies so much by region!
I completely agree with you; Dave is too rabid dog against debt. He is basically penalizing disciplined people for the sins of undisciplined. I also agree on 401k and employer match as well as home buying and credit score. The Baby Emergency Fund of one month's expenses makes a lot of sense to me.
And ultimately, behavior modification only gets people short term wins. At some point the root issues need to be addressed. Appreciate the feedback, Randy!🙌🏻
lots of poeple cant make e 15 years loean! to much payments per month.9NOT everyone make the same amout of money) dave ignore that fact!.thats mean dont bye e home? com on..i bealive.housing stil e winner thing to do ..smaler payment so you can keep e emergency foud..plus some investissements..all eags in the same basket..is not the way..
Absolutely. A better solution is to take out a 30 and then have the flexibility to pay more if possible. If not, the fallback payment is still smaller each month. 👍🏻
@@FinancialCoachJess exsact!:)
🙌🏻🙌🏻
“Don’t take advice from someone that has no money “ 👆 1k is not meant to be enough. Take Dave’s plan and slightly modify it to your current state in life.
Very true! Don’t take advice from someone that is not where you want to be!
It’s not supposed to cover your rent, it’s supposed to cover minor repairs or necessary expenses
Is rent not a necessary expense? 🤔
🤭
😂 what surprised you the most?
When will people realize that Dave counts on faith followers to deny math and ignore his relationships that make his wealth?
Not anytime soon I’m afraid!
Dave has been a multimillionaure for too long to care about credit cards or credit scores 🤣🤣🤣