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Dave Ramsey

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Finding Mutual Funds with a Long-Term Rate of Return of Over 12%.

Friday, July 16th, 2010

My post a few days ago about Dave Ramsey’s “Drive Free. Retire Rich.” program received this response from Chuck: Here is a list of US Stock Mutual Funds from Morningstar Financial with at least a 10 Year track record making annualized returns of 12% or greater. I don’t ever recall DR stating leave your money […]

Analyzing Dave Ramsey’s “Drive Free. Retire Rich.” Program

Monday, July 12th, 2010

If you have a few minutes, watch this slide show from Dave Ramsey: Drive Free. Retire Rich. According to the video, a third of car buyers finance their cars for 6 years at 9.6% interest, making their monthly payment about $475. He then presents an idea… You want a new car. Your current car is […]

Is it Irresponsible for Dave Ramsey to Assume a 12% Rate of Return in His Examples?

Thursday, October 8th, 2009

My church participated in Dave Ramsey’s “The Total Money Makeover Live!” event a couple of weeks ago. I did not attend the event but did pick up a copy of the workbook that went along with the event. I have never counted myself among the Dave Ramsey fans. Sure, his advice is better than racking […]

Flawed Thinking…

Tuesday, June 9th, 2009

Check out this comment that was left the other day on one of my old mortgage posts: Two years ago we stopped investing in our 401k and we began paying thousands against the principal on our home. We only have $1,500.00 left to pay and the property is ours and we didn’t lose our a$$et$ […]

Dave Ramsey’s Plan to Fix the Credit Crisis

Wednesday, October 1st, 2008

Jesse over at You Need a Budget sent me an email this evening asking my opinion of Dave Ramsey’s 3-step plan for fixing the credit crisis. Here’s the plan (which you can also download as a PDF here): Years of bad decisions and stupid mistakes have created an economic nightmare in this country, but $700 […]

The Happy Rock’s “Cash Only Spending Experiment” Analysis

Wednesday, January 16th, 2008

I was just over reading The Happy Rock’s analysis of his cash only spending experiment that he started back in July. He and his wife (or girlfriend, I’m not sure which) went the entire month of July without using any plastic. Why? Because he was testing Dave Ramsey’s argument that people can save 12 – […]

Is Personal Finance Really 80% Behavior and 20% Head Knowledge?

Friday, October 26th, 2007

Dave Ramsey is notorious for saying that personal finance is 80% behavior and 20% head knowledge. It’s a neat little soundbite but does it make any sense? I wonder how he came up with it? I was thinking it was 70% behavior and 30% head knowledge. Or, maybe it’s 40% behavior and 60% head knowledge? […]

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