Quote:
Originally Posted by Buehler445
People that get in REAL shit such that they need Dave Ramsey are probably compulsive/addicted/some other behavior that limits their capacity to look at the thing objectively. Accordingly, Ramsey's stuff is psychological as opposed to mathematical. It is not solving for optimal returns, it's designed to eliminate failure.
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There’s a lot of truth in this. I’ve spent years dealing with people in some of the lowest levels of society, mentally, emotionally, and with that financially. The way their issues all interact is so obvious to an observer, but getting them to alter their behaviors to improve their situations is often next to impossible. I’m talking people on disability payments (no other income) getting payday loans to buy a PS5 type of decision making.