eldirector
Grandmaster
Yeah. A lot of time I see folks conflate debt, with expenses, and a budget.
Ramsey is mostly about getting out of debt. Once out, how not to get back into it. He dabbles in actual financial advice and money management. Always through the lens of "debt is bad". That is actually really good advice for folks that are otherwise bad about managing their money. It is greatly over-simplified.
I am still annoyed that one never really OWNS anything. Houses, cars, boats, etc... The .gov has to have their cut. But, that is an EXPENSE, not a debt.
Ramsey is mostly about getting out of debt. Once out, how not to get back into it. He dabbles in actual financial advice and money management. Always through the lens of "debt is bad". That is actually really good advice for folks that are otherwise bad about managing their money. It is greatly over-simplified.
I am still annoyed that one never really OWNS anything. Houses, cars, boats, etc... The .gov has to have their cut. But, that is an EXPENSE, not a debt.