Comments on: Why I Ditched Dave Ramsey http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/ Thoughts on the Journey Thu, 04 Dec 2008 00:11:31 +0000 http://wordpress.org/?v=2.6 By: Taylor Sloneker http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-44991 Taylor Sloneker Fri, 31 Oct 2008 20:28:28 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-44991 I am currently an intern for Dave Ramsey and came across this article questioning Dave's Christianity through his teachings. I want to say to whomever has read this that Dave does want you to live like no one else. Making the decision for a minivan instead of an SUV to save $30 a month does not necessarily mean that if you do not give what you save to charity, you are a bad person. The idea of being debt-free is having the ability to do want you want with YOUR money. If you decide whether to drive a minivan so that you can give donations to charity as opposed to buying a SUV, does not contemplate the fact if someone is a Christian or not. Being debt free means that you can do many different things with your money: go on a vacation, buy a new car, or give to your church. Keep in mind, Dave encourages listeners and other people involved in classes, etc., to tithe 10% to your church on top of paying debt. There are more ways than one to give back to God. So, when there are more options to do what you want with YOUR money, you can truly live like no one else. I am currently an intern for Dave Ramsey and came across this article questioning Dave’s Christianity through his teachings. I want to say to whomever has read this that Dave does want you to live like no one else. Making the decision for a minivan instead of an SUV to save $30 a month does not necessarily mean that if you do not give what you save to charity, you are a bad person. The idea of being debt-free is having the ability to do want you want with YOUR money. If you decide whether to drive a minivan so that you can give donations to charity as opposed to buying a SUV, does not contemplate the fact if someone is a Christian or not. Being debt free means that you can do many different things with your money: go on a vacation, buy a new car, or give to your church. Keep in mind, Dave encourages listeners and other people involved in classes, etc., to tithe 10% to your church on top of paying debt. There are more ways than one to give back to God. So, when there are more options to do what you want with YOUR money, you can truly live like no one else.

]]> By: Lazlo_dei http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-43085 Lazlo_dei Tue, 14 Oct 2008 20:55:28 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-43085 $100 for the plan? Ummm, no. Listening to Dave's program got me to buy one of Dave's books...I bought a used More Than Enough for $7. I read it. Digested it. Then started executing the plan. The budget was a mess at first, but after a couple months I was in the ballpark. About a year later, most of my family's debt was gone...and, more importantly, my wife started getting on board. I had heard Dave mention FPU several times, but I thought it was more of a slogan for his 'education'...I didn't know it was a product. Some slick saleperson he is. Once I figured out that FPU is a product for $100, I didn't need it to pay off my debt. But I bought it anyway because: 1. To *really* get my wife on board. 2. FPU goes way beyond just getting out of debt. 3. To see if it could be a good gift to my family and friends. 4. I'm in training and am always interested in effective training techniques, thus I wanted to see if DR had effective training techniques. Well, it did get my wife a little more on board. Even to get us completely debt free. FPU taught us a lot more than getting out of debt. And it does employ greatly effective training techniques. However, I don't really think it is a good present. People have to want to learn this stuff. You can't just dump a box of books and DVDs on them. I used to talk up Dave Ramsey and how it got me out of debt to my family/friends a lot...I thought who wouldn't want to learn how to do that. Well, apparently a lot of people don't! They have a weird love/hate/dependency with credit or something (I don't fully understand). And my 'preachin' was getting on their nerves. So I stopped. LOL...some of them have even asked me for money. I just shrug and say "I don't borrow or lend money anymore...sorry." If they ever want to learn, I'd gladly buy them FPU as a gift! $100 for the plan? Ummm, no.

Listening to Dave’s program got me to buy one of Dave’s books…I bought a used More Than Enough for $7.

I read it. Digested it. Then started executing the plan.

The budget was a mess at first, but after a couple months I was in the ballpark.

About a year later, most of my family’s debt was gone…and, more importantly, my wife started getting on board.

I had heard Dave mention FPU several times, but I thought it was more of a slogan for his ‘education’…I didn’t know it was a product. Some slick saleperson he is.

Once I figured out that FPU is a product for $100, I didn’t need it to pay off my debt. But I bought it anyway because:

1. To *really* get my wife on board.
2. FPU goes way beyond just getting out of debt.
3. To see if it could be a good gift to my family and friends.
4. I’m in training and am always interested in effective training techniques, thus I wanted to see if DR had effective training techniques.

Well, it did get my wife a little more on board. Even to get us completely debt free. FPU taught us a lot more than getting out of debt. And it does employ greatly effective training techniques.

However, I don’t really think it is a good present. People have to want to learn this stuff. You can’t just dump a box of books and DVDs on them. I used to talk up Dave Ramsey and how it got me out of debt to my family/friends a lot…I thought who wouldn’t want to learn how to do that. Well, apparently a lot of people don’t! They have a weird love/hate/dependency with credit or something (I don’t fully understand). And my ‘preachin’ was getting on their nerves. So I stopped.

LOL…some of them have even asked me for money. I just shrug and say “I don’t borrow or lend money anymore…sorry.”

If they ever want to learn, I’d gladly buy them FPU as a gift!

]]> By: craig http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-42400 craig Mon, 13 Oct 2008 19:09:02 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-42400 Hey TB, Lighten up on Ariah, the founder of this blog. If you read his other posts and topics, he is a full-on believer who must have been really heavily exposed to some radical Christo-socialism. he is pretty much against everything. If you have a house, it is likely too large and too expensive. If you drive a car it probably costs too much and you could spend the money better on some third world country, doing what the entire resources of the US government still can't figure out what to do. and then there's "Global warming". he buys into it...like a lemming. But I can't even argue that point anymore because as soon as you make one point countering their lunacy, they just change the lingo and make you start a new rebuttal. But the kid means well, and I think you are correct...he is on a massive Christian guilt trip. He will likely discover what Bono did..."You can't Throw Your Arms Around The World". maybe he'll buy some jet skis, and a nice SUV for towing them and enjoy some of this incredible world God gave us. In the interim...go easy on the young idealist. Hey TB,
Lighten up on Ariah, the founder of this blog. If you read his other posts and topics, he is a full-on believer who must have been really heavily exposed to some radical Christo-socialism. he is pretty much against everything. If you have a house, it is likely too large and too expensive. If you drive a car it probably costs too much and you could spend the money better on some third world country, doing what the entire resources of the US government still can’t figure out what to do. and then there’s “Global warming”. he buys into it…like a lemming. But I can’t even argue that point anymore because as soon as you make one point countering their lunacy, they just change the lingo and make you start a new rebuttal.
But the kid means well, and I think you are correct…he is on a massive Christian guilt trip. He will likely discover what Bono did…”You can’t Throw Your Arms Around The World”. maybe he’ll buy some jet skis, and a nice SUV for towing them and enjoy some of this incredible world God gave us.
In the interim…go easy on the young idealist.

]]> By: Craig http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-42209 Craig Mon, 13 Oct 2008 12:36:51 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-42209 NCSU95...I'll type really slow, because it's evident you can't read very fast and you are missing many valid points...probably a local...ready? here we go... I told you I saw the mortgage on that building in 2003, at the same time the building was in Ramsey's name. I was sitting in my office with a guy who taught FPU at my old church...so he was a full-on, kool-aid drinking Ramzealot. He couldn't believe it either, but he saw the same thing I did. I have also explained to you how this could be and Ramsey still not be lying about the situation. (although parsing words like a Clinton) He obviously did a wrap around mortgage. YOU YOURSELF said that he lease / purchased the building over several years before he dipped into his hige pile of cash and bought it outright. So he likely had the title conveyed and made lease payments until he was ready to pay it off. SO...while the mortgage probably wasn't his...there WAS a mortgage on the building during the time he was listed as an owner. This is the fourth time I have posted this and you are obviosuly too stumped by the facts OR too stuck nose-first inside Ramseys bum to admit I have a valid point and a viable scenario. I consider this point closed now. He was a part owner of Churchill in it's infancy. There was at least ONE other partner besides Hardwick and Ramsey...I can name him, can you??? No? Probably because you didn't know that, did you? Three, I said, and I continue to maintain, that it is hypocritical of Ramsey to take sponsorship from a pawn shop. YOU have now lied. I have heard old Yoda myself saying you should NEVER sell at a pawn shop, he says they are great places for bargains. You only find a bargain when you are BUYING there, Einstein. Yet virutally every five minutes he refers to his old buddy "So and So" who cleverly calls himself a jeweller now, but who has owned pawn shops for at LEAST as loong as I have been in Nashville (11 years). He is telling his sheep how they need to sell their unwanted gold to his old buddy whose last name sounds like an edible seed pod. But you don't see the conflict I guess. You sell ANYTHING at a pawn shop when you are desperate and hard up for money and you know you are getting the lowest possible return for your money. But they must pay good money for those spots so Ramsey keeps on hawking that position. Since you will doubtless deny everything I wrote here, I'll repeat once again...I DON'T CARE!!! If you want to shell out $200 for his lame advice and plagiarized financial program go right ahead! I'm more curious as to how many times you'll ignore my factual rebuttal and continue to call me a liar on a website nobody reads except for the dozen or so regulars whose opinion is already set. If you'd like to borrow my hockey helmet I'd loan it to you gladly. That way when you beat your head against that same wall, you won't do further brain damage. NCSU95…I’ll type really slow, because it’s evident you can’t read very fast and you are missing many valid points…probably a local…ready? here we go…
I told you I saw the mortgage on that building in 2003, at the same time the building was in Ramsey’s name. I was sitting in my office with a guy who taught FPU at my old church…so he was a full-on, kool-aid drinking Ramzealot. He couldn’t believe it either, but he saw the same thing I did. I have also explained to you how this could be and Ramsey still not be lying about the situation. (although parsing words like a Clinton)
He obviously did a wrap around mortgage. YOU YOURSELF said that he lease / purchased the building over several years before he dipped into his hige pile of cash and bought it outright. So he likely had the title conveyed and made lease payments until he was ready to pay it off. SO…while the mortgage probably wasn’t his…there WAS a mortgage on the building during the time he was listed as an owner. This is the fourth time I have posted this and you are obviosuly too stumped by the facts OR too stuck nose-first inside Ramseys bum to admit I have a valid point and a viable scenario. I consider this point closed now.
He was a part owner of Churchill in it’s infancy. There was at least ONE other partner besides Hardwick and Ramsey…I can name him, can you???
No? Probably because you didn’t know that, did you?
Three, I said, and I continue to maintain, that it is hypocritical of Ramsey to take sponsorship from a pawn shop. YOU have now lied. I have heard old Yoda myself saying you should NEVER sell at a pawn shop, he says they are great places for bargains. You only find a bargain when you are BUYING there, Einstein. Yet virutally every five minutes he refers to his old buddy “So and So” who cleverly calls himself a jeweller now, but who has owned pawn shops for at LEAST as loong as I have been in Nashville (11 years). He is telling his sheep how they need to sell their unwanted gold to his old buddy whose last name sounds like an edible seed pod. But you don’t see the conflict I guess. You sell ANYTHING at a pawn shop when you are desperate and hard up for money and you know you are getting the lowest possible return for your money. But they must pay good money for those spots so Ramsey keeps on hawking that position.
Since you will doubtless deny everything I wrote here, I’ll repeat once again…I DON’T CARE!!! If you want to shell out $200 for his lame advice and plagiarized financial program go right ahead!
I’m more curious as to how many times you’ll ignore my factual rebuttal and continue to call me a liar on a website nobody reads except for the dozen or so regulars whose opinion is already set. If you’d like to borrow my hockey helmet I’d loan it to you gladly. That way when you beat your head against that same wall, you won’t do further brain damage.

]]> By: TB http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-41900 TB Mon, 13 Oct 2008 01:52:07 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-41900 Oh what a response, I'm sure that 30 bux is gonna help a child and they will start sending it ASAP. We could all stop something and give. What is our Author giving??? I'm sure I could find ways to help him give more. Is this a christian guilt trip? The best thing is being out of debt is a good thing when times are hard, as they are for me now. Not having any debt is a blessing right now. Remember, you can take your car payment and feed lots of people, if you want. The theory is good, biblical and I am proof being debt free is good. Now where did that kid go with my plate of food??? Oh what a response, I’m sure that 30 bux is gonna help a child and they will start sending it ASAP. We could all stop something and give. What is our Author giving???
I’m sure I could find ways to help him give more. Is this a christian guilt trip? The best thing is being out of debt is a good thing when times are hard, as they are for me now. Not having any debt is a blessing right now. Remember, you can take your car payment and feed lots of people, if you want. The theory is good, biblical and I am proof being debt free is good. Now where did that kid go with my plate of food???

]]> By: ncsu95 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-40847 ncsu95 Fri, 10 Oct 2008 23:27:13 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-40847 I've called you a liar because you've lied on this thread. 1. You said that Ramsey had a mortgage on his business building. He has not. He purchased it for cash in Feb. of 07. He leased the building prior to that while saving the cash to pay for it. 2. You said he is part owner of Churchill Mortgage. He has said he doesn't do partnerships. Mike Hardwick owns CHM. 3. You've said he is a hypocrite because he allows pawn shops to advertise but has said that he is against pawn shops. He is not against pawn shops. He says they are a great place to get bargains. So doesn't this make you a liar? I’ve called you a liar because you’ve lied on this thread.

1. You said that Ramsey had a mortgage on his business building. He has not. He purchased it for cash in Feb. of 07. He leased the building prior to that while saving the cash to pay for it.

2. You said he is part owner of Churchill Mortgage. He has said he doesn’t do partnerships. Mike Hardwick owns CHM.

3. You’ve said he is a hypocrite because he allows pawn shops to advertise but has said that he is against pawn shops. He is not against pawn shops. He says they are a great place to get bargains.

So doesn’t this make you a liar?

]]> By: Craig http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37934 Craig Fri, 03 Oct 2008 16:45:05 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37934 Mike... Legalism is what happens when you or anyone else defines Christianity by any other guideline than what's clearly defined in the Bible. To say that if I speak rudely means I am not a Christian is legalism, because now, you have changed the definition of a Christian from someone who has accepted Christ as savior, to someone who doesn't talk rudely, as you define it. I am from Philly...what is rude to you might be a term of endearment to me. But you say I am not a true Christian because you think I am rude. There are no verses to back you up but you have defined this rule anyway...that is legalism. Salvation involves faith in Christ and nothing else...including rudeness or lack thereof. As for Dave not calling someone stupid directly...hmmm try this experiment... Next time your wife walks by, tell her her dress makes her look fat. You didn't say SHE looked fat...you said her dress made her look fat. Will she buy that reasoning? Hell no! Dave calling someones actions stupid is EXACTLY the same as him calling them stupid. You know this and I know this and I have no doubt HE knows this too. I have been on the recieving end of being down on my luck and even paying for my own bad choices. NOBODY had to remind me I had screwed up. If I had called someones national talk show to seek advice I would have immediately assumed that my even CALLING him was an admission of my own mistakes so nobody has to tell me and make me feel worse. Jesus NEVER did this. He never called the woman at the well a whore, or Peter a wishy washy man of poor character. He never even refered to JUDAS in the negative! Ramsey takes great liberties with the emotions of very hurting people. Regardless of how they got there, they must be aware of their mistakes or they wouldn't stoop so low as to call The Man Behind The Curtain. He needs to think about how his words can be interpreted...whether he means to call them stupid or not. Mike…
Legalism is what happens when you or anyone else defines Christianity by any other guideline than what’s clearly defined in the Bible. To say that if I speak rudely means I am not a Christian is legalism, because now, you have changed the definition of a Christian from someone who has accepted Christ as savior, to someone who doesn’t talk rudely, as you define it. I am from Philly…what is rude to you might be a term of endearment to me. But you say I am not a true Christian because you think I am rude. There are no verses to back you up but you have defined this rule anyway…that is legalism. Salvation involves faith in Christ and nothing else…including rudeness or lack thereof.
As for Dave not calling someone stupid directly…hmmm try this experiment…
Next time your wife walks by, tell her her dress makes her look fat. You didn’t say SHE looked fat…you said her dress made her look fat. Will she buy that reasoning? Hell no!
Dave calling someones actions stupid is EXACTLY the same as him calling them stupid. You know this and I know this and I have no doubt HE knows this too.
I have been on the recieving end of being down on my luck and even paying for my own bad choices. NOBODY had to remind me I had screwed up. If I had called someones national talk show to seek advice I would have immediately assumed that my even CALLING him was an admission of my own mistakes so nobody has to tell me and make me feel worse. Jesus NEVER did this. He never called the woman at the well a whore, or Peter a wishy washy man of poor character. He never even refered to JUDAS in the negative!
Ramsey takes great liberties with the emotions of very hurting people. Regardless of how they got there, they must be aware of their mistakes or they wouldn’t stoop so low as to call The Man Behind The Curtain.
He needs to think about how his words can be interpreted…whether he means to call them stupid or not.

]]> By: Mike http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37913 Mike Thu, 02 Oct 2008 11:11:14 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37913 “wiped out people and calling them stupid while shamelessly plugging anything that will make him another buck to add to his “pile”?” I suppose you have not really paid much attention to Dave’s Radio Show…. He never calls anyone Stupid.. Yes he does use the word a lot. The things he calls stupid are Decisions he and yourself including everyone else on this blog has made in some point in their life. Now this does not mean nor am I calling anyone Stupid. You call for his opinion be prepared he is going to say the things you have done are STUPID. Did he just call that person Stupid, NO. He called their decision STUPID. Did that person already feel STUPID for their Decision possibly. Did Dave make it worse… Hmmm possibly but if you know Dave and listen to him you know he is not calling you STUPID. He is calling your Decision STUPID. I think that’s the main point about his calling someone Stupid. One quick question why are you so geared in dogging someone you really don’t know? Were you a caller at one time and did not like his reply? I am not trying to be rude here. I am just asking…. “Dave is a boor who knows how to market…period” Tell you what I have an invention I made this thing called a water bottle. It costs me in materials around $.35 to make and possibly $.45 on labor and another $.25 to put filtered water in it. But I am just going to give it to you for free. So it does not cost you anything but costs me $1000 if I give this same bottle to another 1000 people. What did I do? Oh yea.. I didn’t make any money off of it. I know this is probably a poor example but this is a Free Enterprise Country and to make a buck you have to design a product to be worth something to be profitable. Dave with his marketing skills has connected with millions of eyes and listeners because he has a product that is profitable for him and the consumer. Is it for everyone NO. “I was talking to a guy the other day who works at a Sprint store, (location shall remain anonymous to protect the innocent) the guy told me Davey came into the store about 6 months ago wanting his phone repaired because he dropped it and he was so rude they finally told him they’d just give him a new phone if he’d just go away! Nice Christian man, that Dave Ramsey.” #1 Do you believe everything someone says? #2 Yes this pertains more to you Craig…. #3 Craig what I can tell this is my opinion from all the posts I have read that you have posted you have a problem with Jesus Freaks you don’t like Dave Ramsey due to his Biblical Teachings. If you were to read the books of Proverbs you can find the majority of life’s lessons. “That’s dangerous and hyper legalistic” Craig could you explain more what Hyper Legalistic means. I have not heard that term. All I can find is. “The essence of legalism is trusting in religious activity rather than trusting in God. It is placing our confidence in a practice rather than in a Person - and, without fail, this will lead us to love the practice more than the Person.” I do not place my confidence in practice I trust in God, Jesus and the Holy Sprint as they are one person. The best way to know God is to have a relationship with Jesus Christ. Hey Craig… This is a great discussion. Let’s keep it up.. maybe one of us will get stumped. “wiped out people and calling them stupid while shamelessly plugging anything that will make him another buck to add to his “pile”?”

I suppose you have not really paid much attention to Dave’s Radio Show…. He never calls anyone Stupid.. Yes he does use the word a lot. The things he calls stupid are Decisions he and yourself including everyone else on this blog has made in some point in their life. Now this does not mean nor am I calling anyone Stupid. You call for his opinion be prepared he is going to say the things you have done are STUPID. Did he just call that person Stupid, NO. He called their decision STUPID. Did that person already feel STUPID for their Decision possibly. Did Dave make it worse… Hmmm possibly but if you know Dave and listen to him you know he is not calling you STUPID. He is calling your Decision STUPID. I think that’s the main point about his calling someone Stupid.
One quick question why are you so geared in dogging someone you really don’t know? Were you a caller at one time and did not like his reply? I am not trying to be rude here. I am just asking….

“Dave is a boor who knows how to market…period”
Tell you what I have an invention I made this thing called a water bottle. It costs me in materials around $.35 to make and possibly $.45 on labor and another $.25 to put filtered water in it. But I am just going to give it to you for free. So it does not cost you anything but costs me $1000 if I give this same bottle to another 1000 people. What did I do? Oh yea.. I didn’t make any money off of it. I know this is probably a poor example but this is a Free Enterprise Country and to make a buck you have to design a product to be worth something to be profitable. Dave with his marketing skills has connected with millions of eyes and listeners because he has a product that is profitable for him and the consumer. Is it for everyone NO.

“I was talking to a guy the other day who works at a Sprint store, (location shall remain anonymous to protect the innocent) the guy told me Davey came into the store about 6 months ago wanting his phone repaired because he dropped it and he was so rude they finally told him they’d just give him a new phone if he’d just go away! Nice Christian man, that Dave Ramsey.”

#1 Do you believe everything someone says?
#2 Yes this pertains more to you Craig….
#3 Craig what I can tell this is my opinion from all the posts I have read that you have posted you have a problem with Jesus Freaks you don’t like Dave Ramsey due to his Biblical Teachings. If you were to read the books of Proverbs you can find the majority of life’s lessons.

“That’s dangerous and hyper legalistic”
Craig could you explain more what Hyper Legalistic means. I have not heard that term. All I can find is.
“The essence of legalism is trusting in religious activity rather than trusting in God. It is placing our confidence in a practice rather than in a Person - and, without fail, this will lead us to love the practice more than the Person.”

I do not place my confidence in practice I trust in God, Jesus and the Holy Sprint as they are one person. The best way to know God is to have a relationship with Jesus Christ.

Hey Craig… This is a great discussion. Let’s keep it up.. maybe one of us will get stumped.

]]> By: Craig http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37906 Craig Thu, 02 Oct 2008 00:47:44 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37906 To quote "Mike" "If anyone calls them self a Christian on this blog that has been rude in any sort of comment, I am ashamed. For you are not a Christian." Does that include those who called me a liar? I'm sure you are including me for my comments about Dave. Does it also include Dave for being rude to desperate, embarrassed, wiped out people and calling them stupid while shamelessly plugging anything that will make him another buck to add to his "pile"? I'd be VERY careful about making the jump from someone being "rude" (as YOU define it) and someone not being a Christian. That's dangerous and hyper legalistic. To quote “Mike”
“If anyone calls them self a Christian on this blog that has been rude in any sort of comment, I am ashamed. For you are not a Christian.”

Does that include those who called me a liar? I’m sure you are including me for my comments about Dave. Does it also include Dave for being rude to desperate, embarrassed, wiped out people and calling them stupid while shamelessly plugging anything that will make him another buck to add to his “pile”?
I’d be VERY careful about making the jump from someone being “rude” (as YOU define it) and someone not being a Christian. That’s dangerous and hyper legalistic.

]]> By: bobby http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37893 bobby Wed, 01 Oct 2008 01:17:14 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37893 woot! I love Dave! Leading his FPU in my church right now! Only debt left are my student loans. Four family's lives are changing right in front of me, it is amazing to watch. One guy cannot wait to be able to give more. I love giving too. Someday I hope to give tons of money away to help others and no one know. ha ha Global warming, wow...really? This winter I hope it warms up here in Missouri, that would be nice. It is arrogant to think we can screw up this earth. Sure on a micro level we should be clean, but not sure we can change macro. peace bp woot! I love Dave! Leading his FPU in my church right now! Only debt left are my student loans. Four family’s lives are changing right in front of me, it is amazing to watch. One guy cannot wait to be able to give more. I love giving too. Someday I hope to give tons of money away to help others and no one know.

ha ha Global warming, wow…really? This winter I hope it warms up here in Missouri, that would be nice. It is arrogant to think we can screw up this earth. Sure on a micro level we should be clean, but not sure we can change macro. peace

bp

]]> By: Mike http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37891 Mike Tue, 30 Sep 2008 14:07:49 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37891 I have read every comment, bible scriptures, and every rude uncalled for name calling. Dave Ramsey is not GOD!!! Dave Ramsey DID NOT CREATE OR STEAL the ideas from someone else. As ncsu95 states above he packaged all these ideas all these thoughts in to one little $14.99 book. The book is to get you fired up and to take his FPU class yes which is $99.00. (You do not have to take his FPU classes to get out of debt, his 14.99 book tells you how to do it ,FPU goes more in depth with how to get out of debt.) But if I want to get out of debt and this plan works. Why not!! But keep in mind this is only one man’s opinion(WAY) there are others out there if you choose to look for them or not is up to you. If anyone calls them self a Christian on this blog that has been rude in any sort of comment, I am ashamed. For you are not a Christian. The True Christ followers follow in the path of Jesus Christ. Nobody is perfect except for GOD himself. No I do not know Dave Ramsey personally but he has an awesome method of helping someone that wants help. If you don't want help don't listen to his radio show or read his books, this is your opinion. I believe his 7 Baby Steps are true for everyone. But you can modify those steps to fit your situation. Steps 1-3 every American should follow. Nobody should be in debt. But that is what this country is now founded on. You can't live a wealthy life without debt. WRONG!!!! What did our Ancestors back 100 years ago or even 200 years ago do. “Your word was a promise”. Today if you promise something it has to be in the Red Ink and stamped with approval on it. BK I have a great example. I have a friend that filed for BK should he been excepted to file for BK NO!!! Why... He loves his car stereos at 25 years old he filed for BK because he had to have a BOOM BOOM Car Stereo system. If you get laid off and way in debt my OPINION you have the right to file BK. If you lose your job for MAKING STUPID CHOICES you should not be allowed to file. Now like I said these are my OPINOINS I am sure I am going to get comments to what I have said. Took me about 3 days or so to read this entire blog. Great information guys.. And GOD BLESS TO YOU ALL. If you are not a Christ follower remember that to Love Christ and to follow him is to have a Relationship with Jesus Christ. I have read every comment, bible scriptures, and every rude uncalled for name calling.

Dave Ramsey is not GOD!!! Dave Ramsey DID NOT CREATE OR STEAL the ideas from someone else. As ncsu95 states above he packaged all these ideas all these thoughts in to one little $14.99 book. The book is to get you fired up and to take his FPU class yes which is $99.00. (You do not have to take his FPU classes to get out of debt, his 14.99 book tells you how to do it ,FPU goes more in depth with how to get out of debt.) But if I want to get out of debt and this plan works. Why not!! But keep in mind this is only one man’s opinion(WAY) there are others out there if you choose to look for them or not is up to you.

If anyone calls them self a Christian on this blog that has been rude in any sort of comment, I am ashamed. For you are not a Christian. The True Christ followers follow in the path of Jesus Christ. Nobody is perfect except for GOD himself.

No I do not know Dave Ramsey personally but he has an awesome method of helping someone that wants help. If you don’t want help don’t listen to his radio show or read his books, this is your opinion. I believe his 7 Baby Steps are true for everyone. But you can modify those steps to fit your situation. Steps 1-3 every American should follow. Nobody should be in debt. But that is what this country is now founded on. You can’t live a wealthy life without debt. WRONG!!!! What did our Ancestors back 100 years ago or even 200 years ago do. “Your word was a promise”. Today if you promise something it has to be in the Red Ink and stamped with approval on it.

BK I have a great example. I have a friend that filed for BK should he been excepted to file for BK NO!!! Why… He loves his car stereos at 25 years old he filed for BK because he had to have a BOOM BOOM Car Stereo system. If you get laid off and way in debt my OPINION you have the right to file BK. If you lose your job for MAKING STUPID CHOICES you should not be allowed to file.

Now like I said these are my OPINOINS I am sure I am going to get comments to what I have said.

Took me about 3 days or so to read this entire blog. Great information guys..

And GOD BLESS TO YOU ALL.
If you are not a Christ follower remember that to Love Christ and to follow him is to have a Relationship with Jesus Christ.

]]> By: Barret http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37863 Barret Wed, 24 Sep 2008 18:47:55 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37863 Global warming is not an issue. The earth goes through cycles and the main factor is the volcanoes. It's just a marketing scheme to get you to go green. They are teaching this in colleges for young entrepreneurs to capitalize on those who fear of global warming and make excessive amounts of money based on products that cost more and aren't anymore efficient or even better than the standard product. Don't be a dunce and fall into the marketing gimmicks of global warming. The earth is a beautiful place and despite our efforts the global warming is something someone came up with to cause fear in the people to control them. It's all about control. And that control is for greed and power. Global warming is not an issue. The earth goes through cycles and the main factor is the volcanoes. It’s just a marketing scheme to get you to go green. They are teaching this in colleges for young entrepreneurs to capitalize on those who fear of global warming and make excessive amounts of money based on products that cost more and aren’t anymore efficient or even better than the standard product.

Don’t be a dunce and fall into the marketing gimmicks of global warming. The earth is a beautiful place and despite our efforts the global warming is something someone came up with to cause fear in the people to control them. It’s all about control. And that control is for greed and power.

]]> By: ncsu95 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37837 ncsu95 Sat, 20 Sep 2008 00:29:51 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37837 It is $100 when purchased through a church. Why do you ignore questions and then respond by claiming I worship Ramsey? You've lied several times on this thread. You lied about him taking out a mortgage on his business. You lied about him being part owner of Churchhill Mortgage. You've spouted tremendous amounts of hate in a very un-Christ like manner yourself. It is $100 when purchased through a church. Why do you ignore questions and then respond by claiming I worship Ramsey? You’ve lied several times on this thread. You lied about him taking out a mortgage on his business. You lied about him being part owner of Churchhill Mortgage. You’ve spouted tremendous amounts of hate in a very un-Christ like manner yourself.

]]> By: Craig http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37822 Craig Fri, 19 Sep 2008 14:03:18 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37822 SIIIGGHHH! Man...YOU should be hosting the show! At least there'd be someone there who considers it important to act what you say. I'm weary of this topic. Dave Ramsey isn't going away and I don't like saying his name out loud as often as I already have. SIIIGGHHH!
Man…YOU should be hosting the show! At least there’d be someone there who considers it important to act what you say.
I’m weary of this topic. Dave Ramsey isn’t going away and I don’t like saying his name out loud as often as I already have.

]]> By: Lazlo_dei http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37820 Lazlo_dei Fri, 19 Sep 2008 13:40:45 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37820 Hmmmm, there is a very important issue that is missing from this discussion. The foundation of Dave's product philosophy is anti-usury. If you bothered to actually study DR product philosophy, Dave reminds us how the US and Christian culture used to include the distain of usury practices. It's why Dave wants us to get out of debt and *stay* out of debt...thus, there is no such thing as "good debt" (a fairly new concept in finance). This anti-usury belief is one of the reasons that Dave doesn't prioritize high-interest debts over the debt balance. He doesn't want us to just get out of debt via the best mathematical formula (albeit his method, usually is the fastest and less expensive way to get out of debt because it includes emotional, life, and account fluxuating variables). He wants us to get in the habit of NOT owing money to anyone. Thus, you start out with a list of organizations you owe to...and one by one, you eliminate those organizations...and the fastest way to see that list shrink is to pay off smallest to largest. At one point all the major religions were anti-usury. Today, only Islam has the courage to continue to preach that belief. I believe that Dave is trying to resurrect that belief both in Christian culture and in US culture. Now I perfectly understand that Dave might not fit the description of the 'perfect' Christion. But (1) Other than Christ, who does; (2) Resurrecting this belief in the Christian/US/world culture is far too important to be intolerant of Dave. No matter how you slice Dave, he simply is not that bad of a Christian...besides you aren't really supposed to be judging him. The Dave Ramsey show is really part of a serious movement to create strong empowered people...mostly Christian...that can have enormous impact on this modern world. Dave speaks of not only getting out of debt, not only of becoming wealthy, but how important it is to pass on this wealth and wisdom to children. Generational wealth in benevolent families/organizations used to be a Christian goal...to offset the generational wealth in non-benevolent families/organizations. And Dave not only talks the 'passing of wisdom to children' talk, he has written several children books that establish an anti-usury/Christian belief about managing money. The 'get out of debt' advertising bait is just the tip of the iceberg of his overall product/philosophy. Frankly, I don't know why prosperity got such a bad name in the Christian culture. I'm betting that it reflects the recent perversion of modern Christianity. There are lots of very important Christian beliefs that have been perverted into things that actually harm people's relationship with God. Accepting usury is one of them. Hmmmm, there is a very important issue that is missing from this discussion.

The foundation of Dave’s product philosophy is anti-usury. If you bothered to actually study DR product philosophy, Dave reminds us how the US and Christian culture used to include the distain of usury practices. It’s why Dave wants us to get out of debt and *stay* out of debt…thus, there is no such thing as “good debt” (a fairly new concept in finance).

This anti-usury belief is one of the reasons that Dave doesn’t prioritize high-interest debts over the debt balance. He doesn’t want us to just get out of debt via the best mathematical formula (albeit his method, usually is the fastest and less expensive way to get out of debt because it includes emotional, life, and account fluxuating variables). He wants us to get in the habit of NOT owing money to anyone. Thus, you start out with a list of organizations you owe to…and one by one, you eliminate those organizations…and the fastest way to see that list shrink is to pay off smallest to largest.

At one point all the major religions were anti-usury. Today, only Islam has the courage to continue to preach that belief. I believe that Dave is trying to resurrect that belief both in Christian culture and in US culture.

Now I perfectly understand that Dave might not fit the description of the ‘perfect’ Christion. But (1) Other than Christ, who does; (2) Resurrecting this belief in the Christian/US/world culture is far too important to be intolerant of Dave. No matter how you slice Dave, he simply is not that bad of a Christian…besides you aren’t really supposed to be judging him.

The Dave Ramsey show is really part of a serious movement to create strong empowered people…mostly Christian…that can have enormous impact on this modern world. Dave speaks of not only getting out of debt, not only of becoming wealthy, but how important it is to pass on this wealth and wisdom to children. Generational wealth in benevolent families/organizations used to be a Christian goal…to offset the generational wealth in non-benevolent families/organizations. And Dave not only talks the ‘passing of wisdom to children’ talk, he has written several children books that establish an anti-usury/Christian belief about managing money.

The ‘get out of debt’ advertising bait is just the tip of the iceberg of his overall product/philosophy.

Frankly, I don’t know why prosperity got such a bad name in the Christian culture. I’m betting that it reflects the recent perversion of modern Christianity. There are lots of very important Christian beliefs that have been perverted into things that actually harm people’s relationship with God. Accepting usury is one of them.

]]> By: Craig http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37817 Craig Fri, 19 Sep 2008 03:12:40 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37817 It ain't $100 anymore, my friend. But I'm glad it worked out for you. It ain’t $100 anymore, my friend. But I’m glad it worked out for you.

]]> By: ncsu95 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37816 ncsu95 Fri, 19 Sep 2008 00:38:11 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37816 Well my wife and I paid $40 to take "Good Sense" budgeting a few years ago. The $100 for FPU was a far greater value. I've saved many times over $100 from what I learned in the insurance lesson alone. Well my wife and I paid $40 to take “Good Sense” budgeting a few years ago. The $100 for FPU was a far greater value. I’ve saved many times over $100 from what I learned in the insurance lesson alone.

]]> By: Craig http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37811 Craig Thu, 18 Sep 2008 15:00:17 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37811 No...I am trashing HIM. His 'program" is neutral. It's good basic advice, for the most part, that someone else thought up ages ago. It's HIM that is the problem. His attitude, His arrogance, His self importance, His self aggrandizement, His insistance on overcharging for his extremely adequate advice. Everything flows from the top down...and the top sucks in this case. No…I am trashing HIM. His ‘program” is neutral. It’s good basic advice, for the most part, that someone else thought up ages ago. It’s HIM that is the problem. His attitude, His arrogance, His self importance, His self aggrandizement, His insistance on overcharging for his extremely adequate advice. Everything flows from the top down…and the top sucks in this case.

]]> By: ncsu95 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37809 ncsu95 Thu, 18 Sep 2008 04:38:19 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37809 I'm not kissing anyones ass. I'm not even talking about him as a person. I'm talking about FPU. You are trashing this program because you don't like him. I’m not kissing anyones ass. I’m not even talking about him as a person. I’m talking about FPU. You are trashing this program because you don’t like him.

]]> By: Craig http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37806 Craig Wed, 17 Sep 2008 14:39:24 +0000 http://blog.iamnotashamed.net/2006/04/05/why-i-ditched-dave-ramsey/#comment-37806 Dave is good...Dave is everywhere...Dave is my hero...Dave is my lord and savior...Dave's face should be on all paper currency...Dave cures cancer...Dave could kick the crap out of Chuck Norris... You "One more thinged" three times! I think it's time for an idolatry check, amigo. Dave is a boor who knows how to market...period. I was talking to a guy the other day who works at a Sprint store, (location shall remain anonymous to protect the innocent) the guy told me Davey came into the store about 6 months ago wanting his phone repaired because he dropped it and he was so rude they finally told him they'd just give him a new phone if he'd just go away! Nice christian man, that Dave Ramsey. Talk about STUPID! Try witnessing to that Sprint guy. You need to take a closer look at who is attached to the azz you insist on kissing at every possible turn. Dave is good…Dave is everywhere…Dave is my hero…Dave is my lord and savior…Dave’s face should be on all paper currency…Dave cures cancer…Dave could kick the crap out of Chuck Norris…
You “One more thinged” three times! I think it’s time for an idolatry check, amigo. Dave is a boor who knows how to market…period. I was talking to a guy the other day who works at a Sprint store, (location shall remain anonymous to protect the innocent) the guy told me Davey came into the store about 6 months ago wanting his phone repaired because he dropped it and he was so rude they finally told him they’d just give him a new phone if he’d just go away! Nice christian man, that Dave Ramsey. Talk about STUPID! Try witnessing to that Sprint guy. You need to take a closer look at who is attached to the azz you insist on kissing at every possible turn.

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