Dave Ramsey Warns: Don't Do These 10 Things With Your Money
Dave Ramsey Warns: Don't Do These 10 Things With Your Money
Sarah Cunnane, MoneyWise November 3, 2020
Dave Ramsey says you have to stop causing your money troubles before you can solve them.
The money management guru has doled out his signature blend of tough-love financial advice and Biblical wisdom since 1992. He learned it all the hard way: In his 20s, Ramsey built a fortune as a house flipper but lost it all when banks started calling in his debts. He had to buckle down to build back up from bankruptcy.
Now his radio show is syndicated on more than 600 stations, and he’s authored several books. He teaches Americans how to avoid wallowing in debt — even during the current financial crisis.
Here are 10 of Dave Ramsey's biggest money "don'ts."
1. Don’t try to tackle your biggest debts first
When you’re deep in debt with multiple loans, freeing yourself can seem impossible. That’s why Ramsey suggests the “debt snowball method.”
Rather than start with the loan with the highest interest rate, Ramsey says to pay off the loan with the lowest balance first, making only minimum payments on the rest. The idea is that each small victory inspires you to tackle bigger challenges.
“It’s more about behavior change than numbers. Once your income is freed up, you can finally use it to make progress toward your savings goals,” Ramsey explained on his website.
The snowball method is one of Ramsey's most common pieces of advice but it's also controversial. If your credit score is hurting, it may be better to use an online service that can help you determine which bills to pay off first to get your score back up.
2. Don’t try to justify frivolous purchases
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Facts only.
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Some excerpts:
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KTFA
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This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
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This video is in Frank’s and his team’s opinion only
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Playback Number: 605-313-5163 PIN: 156996#