Tag Archives: Dave_Ramsey

Podcasting might be returning…

My co-host Zach has been quite busy in the recent month or so and though this is no excuse, we have been unable to do a podcast for quite some time. Fortunately, this dark period of audio silence might soon be coming to and end. The school year is almost over and that means a little breathing room for both of us.
We’ll see how full force the podcast returns, but at the least you can expect one this summer. Lately, we’ve been talking about finances and I’m sure that conversation will continue. We’ll chat about Dave Ramsey and Debt, mutual funds and student loans. Hopefully it’ll be something you’ll enjoy. Stay tuned…

Ditching Dave Ramsey is all the rage

So a little while back I wrote a short little piece about why I ditched Dave Ramsey. Basically, all I wanted to say was that I felt bad that he was encouraging a women away from her desire to be a good steward and on to living large (my summary).
Currently, the post has 21 comments and about only one of them related to what I was originally writing about. It turns out there are a few people with some strong opinions about Dave Ramsey. Dave got out of debt himself and now he’s making a buck telling others how to do the same thing. Some have a problem with his plan, others with him making a buck, others are die hard fans of him.

Me, I just want to encourage people to be wise and sacrificial stewards with their finances.

Why I Ditched Dave Ramsey

I was listening to Dave Ramsey on the radio yesterday and came to the conclusion that it was time to officially say goodbye.

Dave Ramsey’s tag-line is:
“Live like no one else so you can live like no one else!”

I think for his given audience the first part of his statement is valid: Live like no one else. He means live on “beans and rice” and pay off your debts. The truth is half the world lives on barely beans and rice and has nothing but a life of poverty to look forward to. But I digress.

The thing that bothers me is the second half of the “live like no one else.” statement. The idea is that once you’ve paid off your debt and saved your money you can spend it on what you want to. Now most folks want to hear that and so they are happy to listen and hear what Dave has to say. I have trouble cause my Bible (and I’m pretty sure it’s the same one) seems to say we are to be sacrificial in our lives, regardless of how well we’ve saved, etc. And that we should be good stewards, and wise consumers no matter what income/debt we have.

So this is what bothered me: A lady called in yesterday with a question. It was quite simple, her husband and her are debt free. The question was which is better: their current minivan or trading it for an SUV of equal value? Her husband wanted an SUV, but she was opting for sticking with the minivan. What’s the difference? Gas mileage. The topic of the environment didn’t come up, just the cost of a couple extra gallons of gas a week.

Dave’s Response: This is a silly question that you should not fret over. It’s not a “Kingdom issue” It’s maybe $30 a month difference in a debt-free household. She’s being a “tight-wad” (Which Dave says is not a bad thing), and needs to loosen up a little and enjoy the money they have.

sponsored childAriah’s Response
: Praise God that she cares about the different cost of gas mileage. $30 a month could be used to sponsor a child and give life (a Kingdom Issue?). Global Warming is a serious problem and it should play a factor in what we purchase as well. She was not being a “tight-wad” she was being a wise steward, one that sees the money she has been given not as her’s that God “blessed her” with, but for her to use wisely as God entrusted her with it. They didn’t need the SUV, so it wasn’t the best thing for them to do with their current finances.

I fear too often there are Christians who have these feelings and leaders, pastors, mentors discourage those God-given feelings in people and allow them to fall away from those convictions. I pray this was less true then I think it is.

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