Everyone praises Dave Ramsey… But his advice only works for a very specific type of person. If you’re deeply in debt and need discipline, great. But if your goal is to actually build wealth... Avoiding leverage, credit, and investing early can slow you down massively. His system creates stability. Not wealth.

Agreed — his advice is really only for people who are severely in debt or financially illiterate, but that's by design, as there are a lot of people who fit that category and Ramsey's advice truly does help them. For us on FinX, we learned all that stuff a long time ago, and he's simply not someone we should follow, as we're not his target demographic

@simplecentsco True but both systems ignore people who don’t plan to retire