OT: OK, which one of y'all called into Dave Ramsey recently?

[Mobile Bay]

 

[HumpDawgy]

He lost me at paying off his truck at 7 or 8% interest, but carries a $2K balance on a credit card at +20% interest.

 

[greenbean.sixpack]

F250 = farmer or want to be farmer
Chevy = young punk or old man
Ram = idiot
pre 2022 Tundra = country boy with a little sense
2022 or later Tundra = idiot

 

[T-TownDawgg]

F250 = farmer or want to be farmer
Chevy = young punk or old man
Ram = idiot
pre 2022 Tundra = country boy with a little sense
2022 or later Tundra = idiot

Ford Maverick=LOTR meme producer

 

[T-TownDawgg]

Nissan Frontier=apartment dwelling service provider who gets after it on the weekends

 

[CochiseCowbell]

Ford Maverick=LOTR meme producer

I'll have you know 2 things:

1) I don't produce them
2) I'm just a run of the mill Ram idiot.

 

[johnson86-1]

He lost me at paying off his truck at 7 or 8% interest, but carries a $2K balance on a credit card at +20% interest.

The credit card debt amazes me. I understand people getting in a bind, and I understand some people just don't understand math, but I don't get people that can understand basic multiplication carrying cc debt as a matter of lifestyle. If you're spinning up a small business, that doesn't seem like a good bet but it is at least plausible that you could outearn your interest rate with the money you free up to invest in your business. Otherwise, what do you want so badly that you're willing to pay 20%+ interest on it?

And if you can carry credit card debt from month to month without it spiraling you towards bankruptcy, that pretty much means you can easily stay out of credit card debt once you get out of it.

 

[aTotal360]

Ford Maverick=LOTR meme producer

I've decided I'm going to buy my daughter a Ford Maverick when she's 16. I can only pray she grows up to be a prolific LOTR meme producer.

 

[T-TownDawgg]

OBS 88-98 stock-GMT pickup WITHOUT any stupid wheels or accessories=dangerous man with sensibilities

 

[ZombieKissinger]

The credit card debt amazes me. I understand people getting in a bind, and I understand some people just don't understand math, but I don't get people that can understand basic multiplication carrying cc debt as a matter of lifestyle. If you're spinning up a small business, that doesn't seem like a good bet but it is at least plausible that you could outearn your interest rate with the money you free up to invest in your business. Otherwise, what do you want so badly that you're willing to pay 20%+ interest on it?

And if you can carry credit card debt from month to month without it spiraling you towards bankruptcy, that pretty much means you can easily stay out of credit card debt once you get out of it.

Yeah, the guy went on to say he had $5k in savings. Hell, pay off the credit card debt with that, invest the rest, and add to it with the money you're not spending on credit card interest each month