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Old 07-10-2014, 10:14 PM
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YellowDogSVC YellowDogSVC is offline
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Join Date: Oct 2006
Location: TX
Posts: 3,512
Quote:
Originally Posted by whiffyspark View Post
Yep. I can't stand him anymore. Internet marketing at its finest.

He basically preaches save you're entire life to enjoy retirement. Never buy a new vechile. Instead buy a cheap used car and put whatever you're car payment would have been into a savings account. And then by another used car

Don't worry about buying anything nice until you're 65.
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Now that's an oversimplification! Not to get too far off track on this thread but..

It's not "never buy new".. it's don't buy new until you can afford the depreciation hit. Rice and beans is for the people who are trying to get momentum as is the junkers. We keep a junker for working in the local town. Fix it and drive it till wheels fall off. No payments on our family vehicles.
If you read Ramsey's materials or listen often enough, you'll hear that it's okay to reward yourself when you are in a position to do so. Ultimately there's three things you can do with money anyway and spending is one of them!

It's money management.. that's all and being a grownup about it. The housing best proved that if more people lived on a budget (within their means), we wouldn't have had that bubble.
I live on a budget but it's not easy. When I started doing that, my life changed for the better and that was a long time ago.
If only I'd have listened to the "invest the car payment" when I was a 20 something. It really does work.
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