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Old 03-26-2020, 07:01 AM   #1
Keith
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Default Dave Ramsey free for 14 days

For those facing financial uncertainty with the Covid-19 virus, I wanted to share that Dave Ramsey is offering Financial Peace University for FREE and most things on his web site are discounted. Go to www.daveramsey.com to learn all about it. If you're stuck at home, this would be awesome reading and could change your financial life.

Also, tonight, Thursday March 26th, they are having a free "Message Of Hope" at www.daveramsey.com/hope

Text "Hope" to 33789 for a reminder about the Message of hope live event.

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Old 03-26-2020, 07:03 AM   #2
flywise
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Old 03-26-2020, 07:17 AM   #3
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Heard about that this morning on the podcast. Might have to get it a try.
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Old 03-26-2020, 07:24 AM   #4
hooligan
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Good deal, will have to check out what other books are on sale
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Old 03-26-2020, 07:25 AM   #5
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Just checked it out. The Financial peace university is still showing 129.00.

I’m probably not looking at something right. Thanks for the heads up.
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Old 03-26-2020, 07:30 AM   #6
be12hunt
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Definitely a good place to start.
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Old 03-26-2020, 07:31 AM   #7
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Just checked it out. The Financial peace university is still showing 129.00.

I’m probably not looking at something right. Thanks for the heads up.
It's showing free for me, and the Total Money Makeover audiobook is $1.99. Try www.daveramsey.com/hope to see it.

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Old 03-26-2020, 07:42 AM   #8
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Thanks for sharing!!
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Old 03-26-2020, 07:47 AM   #9
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It's showing free for me, and the Total Money Makeover audiobook is $1.99. Try www.daveramsey.com/hope to see it.

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Got it! Thanks again for posting.
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Old 03-26-2020, 07:59 AM   #10
WinslowBoy
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My family went through Financial Peace about 5 years ago. It was a life changer for us. I've always made a good salary and my wife works at our church. We live in a modest house, never really budgeted too much and paid all our bills on time. Both our boys were headed to college and we (meaning I) decided we needed to get a handle on our finances. It was amazing how much money we "bled" every month.

With that said, not trying to toot my own horn but instead let everyone know that this system does work. It can be difficult for some though. The biggest thing about it is actually in the name "PEACE".... Financial stress is huge for most people and if you can get your debt under control, set a solid budget and save for emergencies, the peace in times like this is awesome. I would recommend this to anyone regardless of the situation you are facing. Just my two cents.
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Old 03-26-2020, 08:16 AM   #11
Lungbustr
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My family went through Financial Peace about 5 years ago. It was a life changer for us. I've always made a good salary and my wife works at our church. We live in a modest house, never really budgeted too much and paid all our bills on time. Both our boys were headed to college and we (meaning I) decided we needed to get a handle on our finances. It was amazing how much money we "bled" every month.

With that said, not trying to toot my own horn but instead let everyone know that this system does work. It can be difficult for some though. The biggest thing about it is actually in the name "PEACE".... Financial stress is huge for most people and if you can get your debt under control, set a solid budget and save for emergencies, the peace in times like this is awesome. I would recommend this to anyone regardless of the situation you are facing. Just my two cents.

Very good point about the peace part. It's so nice to be able to focus on what matters in times like these instead of money or financial worries.

Maybe some folks can learn something from this stuff. But the math is simple, it's the commitment, discipline, and impulse control that is a problem for most people.
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Old 03-26-2020, 08:23 AM   #12
Greenheadless
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I am seeing a Free 14 day Trial.
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Old 03-26-2020, 08:30 AM   #13
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Times like this are why he so heavily promotes an emergency fund
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Old 03-26-2020, 08:35 AM   #14
HoustonHunter94
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I started the Dave Ramsey thing 10+ years ago. I did NOT follow everything to a T but for the most part, its just common sense stuff. The wife and I do well and only have mortgage as debt. I obviously don't like the times we are living in currently but if either of us were to lose our job, we have plenty of money to live on for quite some time. I'd encourage anyone that is curious about it to check it out.
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Old 03-26-2020, 09:31 AM   #15
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Nice. Thanks for the heads up!!


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Old 03-26-2020, 11:00 AM   #16
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Bump for those that need it. It's great information for everyone's finances anyway.
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Old 03-26-2020, 11:17 AM   #17
JB_Archery
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I would definitely recommend as we're on the cusp of only having our mortgage as debt after being on the program for 12 months. At the worst I would get the every dollar budget app... that in itself has worked wonders to keep track on where our money is going.
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Old 03-26-2020, 11:25 AM   #18
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My wife came into our office yesterday, and told me thank you for getting us financially prepared. 6 years ago, we had student loans, credit cards, toys, you name it. Paid it all off, have a large emergency fund and mortgage to worry about. Times like these really hit home, it can be done!

I did not follow Dave Ramsey's plan, we created our own that fit us.
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Old 03-26-2020, 11:46 AM   #19
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I did my own plan until I found the total money makeover book. I put a bit of a twist on his plan by paying my high interest loans down first. But making a decision to go after the goal of being debt free was amazing. We became debt free and then save a large down payment to build our new home. The programs only works if you work at it. Self discipline is the issue. I believe if you are in a bad spot this program and some effort will get you out.
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Old 03-26-2020, 12:48 PM   #20
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I did my own plan until I found the total money makeover book. I put a bit of a twist on his plan by paying my high interest loans down first. But making a decision to go after the goal of being debt free was amazing. We became debt free and then save a large down payment to build our new home. The programs only works if you work at it. Self discipline is the issue. I believe if you are in a bad spot this program and some effort will get you out.
I agree with you 100%

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Old 03-26-2020, 12:57 PM   #21
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There’s a lot of negativity about DR out there but seems like everyone that has something negative to say are still in Debt. DR is a game changer and recommend to everyone I can.
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Old 03-26-2020, 01:13 PM   #22
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There’s a lot of negativity about DR out there but seems like everyone that has something negative to say are still in Debt. DR is a game changer and recommend to everyone I can.
Truth!
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Old 03-26-2020, 02:16 PM   #23
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Truth!
YEP^^
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Old 03-26-2020, 02:24 PM   #24
Mike D
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Quote:
Originally Posted by HoustonHunter94 View Post
I started the Dave Ramsey thing 10+ years ago. I did NOT follow everything to a T but for the most part, its just common sense stuff. The wife and I do well and only have mortgage as debt. I obviously don't like the times we are living in currently but if either of us were to lose our job, we have plenty of money to live on for quite some time. I'd encourage anyone that is curious about it to check it out.


Same here.


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Old 03-26-2020, 02:58 PM   #25
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One of the reasons my wife and I feel much more prepared for what's going on is because we went through financial peace about a decade ago. We have seen him in person a few times and I have also read all of his books.
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Old 03-26-2020, 03:11 PM   #26
TxAg
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There’s a lot of negativity about DR out there but seems like everyone that has something negative to say are still in Debt. DR is a game changer and recommend to everyone I can.
People are negative towards his investment advice, not his money-saving, get out of debt advice.
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Old 03-26-2020, 03:25 PM   #27
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There’s a lot of negativity about DR out there but seems like everyone that has something negative to say are still in Debt. DR is a game changer and recommend to everyone I can.
His get out of debt advice is outstanding. I hope that many many more people turn to his plan as a result of this Covid fiasco. With that being said, his investment advice is garbage. And fyi, I am not in debt.
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Old 03-26-2020, 03:47 PM   #28
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Agree - limiting or eliminating debt is always a good idea and just common sense. DR has a platform for folks to follow if they haven't been able to do it by themselves.

His investment advice is very dangerous IMO -
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Old 03-26-2020, 05:04 PM   #29
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Originally Posted by Throwin Darts View Post
His get out of debt advice is outstanding. I hope that many many more people turn to his plan as a result of this Covid fiasco. With that being said, his investment advice is garbage. And fyi, I am not in debt.
What do you not like about his investment advice?

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Old 03-26-2020, 05:14 PM   #30
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What do you not like about his investment advice?

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I have heard him on the radio telling retired/older folks to put 100% into mutual funds because they will earn 10-12% a year (as though it is guaranteed).

He totally disregards the fact that retired folks who are drawing their income off of their savings may never recover if they continue drawing income in a bear market (aka our current situation or the 2008-2009 debacle).

He does not have a securities license to give investment advice but does so anyway -
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Old 03-26-2020, 05:30 PM   #31
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I've heard him suggest "good growth mutual fund with a long track record" numerous times. Do you agree with that, for someone 55 years old?

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Old 03-26-2020, 05:32 PM   #32
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I have heard him on the radio telling retired/older folks to put 100% into mutual funds because they will earn 10-12% a year (as though it is guaranteed).

He totally disregards the fact that retired folks who are drawing their income off of their savings may never recover if they continue drawing income in a bear market (aka our current situation or the 2008-2009 debacle).

He does not have a securities license to give investment advice but does so anyway -

More specifically, he tells them they could withdraw that return (10-12%) from their nest egg each year. I.e, invest your 800K in “good growth stock mutual funds” and you have an 80K income. More realistic withdrawal rate that is sustainable will be somewhere between 3-4% depending on expenses.


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Old 03-26-2020, 06:13 PM   #33
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I've heard him suggest "good growth mutual fund with a long track record" numerous times. Do you agree with that, for someone 55 years old?

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yes but not 100% of your money in a growth mutual fund. A 70-80% stock mutual fund and 20-30% bond and money market at your age is the normal portfolio. As you near retirement (within 5 years) and having to actually live off of your savings you should scale back to 60-40% or lower.

When you actually retire where you invest your money is determined by how much money you have saved and how much income you need. If your savings can produced enough income for you to live comfortably by earning 3-4 % then you can invest conservatively - if you need a 6-10% return on your savings to produce the income you need then you have to be invested in the market - pretty basic
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Old 03-26-2020, 06:32 PM   #34
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We've got just under 30 minutes until it starts.

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Old 03-27-2020, 02:21 PM   #35
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Thanks for posting this. I thought I had the DVD's somewhere, but who knows what happened to them. I did it once with great success, but fell off the rails when I got divorced. Needing to get back on that train with my girlfriend now...get both our debts under control (we don't owe a whole lot) before marriage. We can binge watch that in 14 days!
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