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Once you’re attached to a person, you become blind to the facts of what they are saying. It was his high paying career with a successful side business. What made Dave Ramsey rich is not the baby steps. The Dave Ramsey plan is not what Dave Ramsey does. “There’s nothing in the Dave Ramsey baby steps that can’t work, they just don’t because nobody does them.

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It’s important to avoid the dogmatic approach and teach people to think about their individual situations, then teach them how to achieve their future goals.” While there are technically right and wrong ways of handling money, these philosophies must adapt to individual circumstances and situations. When it comes to personal finance, we must remember that decisions need to be based on individual circumstances. What we fail to realize is that a book is usually the perspective and opinion of a single man. “We as a culture tend to look for the answer in a book, a single book written by the expert. He has a lot of respect for Dave and followed the Baby Steps himself for a period of time with much success. Note: Joshua does not want to be branded as a Dave Ramsey hater.

Joshua’s thoughts on Dave Ramsey’s advice He dogmatically followed Dave’s baby steps exactly, but realized, after talking to many people, that he was in the minority – they weren’t following Dave Ramsey’s plan exactly as it was laid out. Inspired by Dave’s book, The Total Money Makeover, he was able to graduate from college debt free. Joshua became a Dave Ramsey fan as a young man in college. His podcast, Radical Personal Finance, provides an alternative to existing broadcast radio advice on money management. Joshua Sheats is a Certified Financial Planner, a CLU, ChFC, CASL, and has more letters after his name than a bowl of alphabet soup. Joshua Sheats providing an alternative to existing broadcast radio Listen to Steve Stewart and Joshua Sheats debate various financial topics presented by Dave Ramsey on his radio show. How can Dave Ramsey’s advice be dangerous to his audience? After all, he has helped more people get out of debt and save money than any single person in the United States over the past 20 years. I hear it all the time: “You can’t get 12%” or “Dave Ramsey’s advice on investing is dangerous”! Powered by the Simple Podcast Press Player