#Free budgeting software dave ramsay free
Hypothetically speaking, if the toxic workplace allegations were true, it’s disheartening for me as a Christian to see this business get so much free airtime and, subsequently, cash flow, from churches. But I have trouble with the fact that his financial program seems to be the only financial program that consistently gets free air time at churches throughout the country. I feel a need to re-iterate that Ramsey has helped millions with their debt. One thing that really concerns me is this: Ramsey receives free advertising at hundreds, if not thousands, of churches across the United States. What if someone could potentially receive $100k+ in tax-free loan forgiveness through Public Service Loan Forgiveness? Would one of his financial coaches essentially get chastised by Ramsey and removed from his brand for helping someone execute a financial strategy that could mean a $100k-$200k+ swing in their financials? Very troubling.
I understand the need to have a consistent message and brand, but this is troubling because of the earlier student loan comment I made. He has vowed to “get to the bottom of it.” Well, Ramsey hates robo-advisors so that’s not okay. One of his financial coaches (yes, he is building an army of financial coaches as we speak), suggested a robo-advisor to a client. Just a lot of, at best odd, at worst discriminatory behavior and not something I personally would want to be associated with, which is one reason I don’t refer anyone to Dave Ramsey. There was an entire Facebook group of former employees that shared troubling experiences at Ramsey Solutions and how there was no room for dissent (again, read this article for more).
One article I read (which is no longer online) that shared experiences from a former Ramsey Solutions employee, was particularly troublesome. I’ll let you read this article instead of rehashing the claims and rumors of claims within this post. There are reports that Ramsey Solutions, the 500+ employee company that carries out the Ramsey portfolio of businesses and builds/maintains the Dave Ramsey brand, is a toxic workplace. No Room for Differing Opinions + Reports of a Toxic Workplace
#Free budgeting software dave ramsay full
The fact that Ramsey fails to even mention the full array of strategies on student loan repayment strategies makes me very concerned for those who are listening to him alone. I did a full-write up on a Facebook post here, which includes a screenshot from the Instagram Q&A where he gave the advice. Ramsey also shared some misleading and potentially devastating advice related to student loan debt recently. From simple cash-back credit cards to travel rewards credit cards, you can literally receive thousands of dollars in benefits if you pay off your bill in full each month and do not purchase things you otherwise wouldn’t.
There are millions who benefit greatly from credit card rewards. While there are certainly many people who struggle with credit cards and may be better off not having one, it’s not everyone. This can be off-putting, or in some cases downright damaging.įor example, Ramsey has a strict belief that credit cards are evil. One of the biggest reasons people ditch Dave Ramsey or seek out alternatives is because of his one-size fits all approach. But for those who are curious, I’ll walk you through a few reasons why someone may look for alternatives. If you’re reading this you may already have your reasons for looking for alternatives to Dave Ramsey. So why would you want to look for alternatives to Dave Ramsey? If he’s helped millions, why wouldn’t anyone and everyone who has struggled with debt simply buy his book, take his course, and be on their way to financial freedom? Dave Ramsey has written some of the best-selling books on personal finance and helped millions get out of credit card and other debt.
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