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Old 07-10-2014, 11:14 PM
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YellowDogSVC YellowDogSVC is offline
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Join Date: Oct 2006
Location: TX
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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.

"Life is tough, but it's tougher if you're stupid."

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Old 07-11-2014, 07:14 AM
whiffyspark whiffyspark is online now
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Location: Southern Maryland
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$100 start up is a good book. Currently reading that now. Mark Cubans book was good as well.

Rich dad poor dad was good. This is one if my favorite quotes lately:

Jim Carrey said this in his Commencement Speech.

"You can spend your whole life imagining ghosts.
Worrying about the pathway to the future,
but all there will ever be is what's happening here
and the decisions we make in this moment which are based in either love or fear.
So many of us choose our path out of fear and disguise it as practicality.
What we really want seems impossibly out of reach and ridiculous to expect
so we never dare to ask the universe for it…
I'm saying, I'm the proof that you can ask the universe for it.

My father could have been a great comedian, but he didn't believe that, that was possible for him.
And so, he may a conservative choice. Instead, he got a "safe job" as an accountant
and when I was 12 years old, he was let go from that "safe job" and our family had
to do whatever we could to survive.

I learned many great lessons from my father.
Not the least of which is that can fail at what you don't want, so you might as well take a chance
on doing what you love."
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