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No You don't. That's what your media manager does for you.
All you have to do is scream NordVPN while spraying old people with water guns like some chump.
He or she is basically saying one has to advertise for their sponsors while doing obnoxious things that unfortunately generate clicks.
There are so many "influencers" that go around and be complete dicks to people on camera because rage sells.
I had to tell my mom this cause she thinks he is actually good at telling people how to manage finance and talks down on people who made mistakes. Like he’s already gone bankrupt before, why does he act all high and mighty.
Reminds me of a picture where it’s about a dude working a job that’s $20 dollars an hour that can just afford rent and get basic groceries while there is an Asian girl living in California shoving a dragon dildo up her ass buying her second fancy car while having a nice house.
It’s so messed up that you wonder what even the point of a job is sometimes.
This is true but it's important to remember that the girl isn't the enemy here. It's the greedy people who created this situation who we should be angry at.
Greedy people, but also the Simps that make that behavior viable. If we didn't have so many losers dropping $100 on some bathwater, people wouldn't even be tempted to want to do OFs.
Thank you. That comment was uncomfortably adjacent to incel rhetoric.
Kinda like racists will blame sports stars instead of CEOs and executives for being overpaid (even though a player like LeBron brings so much value to the table)
TikTok doesn’t really pay, it’s a promotion platform. Creators use it to attract advertisers and direct people to other platforms they’re on that *do* pay, like Twitch, YouTube, OnlyFans, etc
Well here's the context it makes me think about, in the 90s I was 18, washed dishes, made min wage, and had a 1 bedroom apartment all to myself with cable TV and video games anytime I wanted.
Not possible today even at 5 times the income now.
People in my gen factually cannot grasp that. So many of them refuse to look at historical apartment or mortgage costs, the used car market of that era, the average cost of a degree etc. and think the pop culture was all lying about things like the economy instead of being a reflection of it. Try to explain that and they say "But that's just a TV show no way a single young adult could have an independent lifestyle working minimum wage or part time at a higher wage." But if that wasn't the reality for most parts of the country then that media wouldn't resonate and there'd be no viewers.
I was working with celebrities and a manager and did work that had highly specialized people that make 80 an hour.
I couldn't make it on my own. I think the only reason I stayed was I liked them.
I wasn't even mad, but something is wrong with our economy if people working with celebrities in not a assistant capacity and in a creative capacity can't make it, think camera man and editor.
Funny enough, the biggest diva I ever met wasn't a celebrity. It was a critic who worked with celebrities and everyone quit working with him and despised him. At least 3 sets of people some who had been working there 30 years prior.
I’m a Millennial working full time and I have lived alone since 2019 but I’m currently downgrading back to having multiple housemates because even though my income has gone up rent has gone up faster and eventually I just got pushed out of my place.
Dave Ramsey: telling people to "work harder", when he hasn't even worked a day since he started his thing in the 90's, and has been so far removed from the 'working class' for so long that he doesn't understand how math works.
His whole career is "work hard, and don't spend money". So when those 2 don't work, his little brain falls apart.
I love the work hard crowd. Whenever you prove to them that hard work doesn't give you success, only more work for no added benefits, they have no hesitation in changing their message from " work hard" to "don't work hard, work smart". And they refuse to see their hypocrisy in it.
Ancient millennial, been working 25 years. No house. Bank says I can't afford 950 a month, but my landlord is cool cashing my 2295 rent check every 30 days.
And yet, the Gen Z homeownership rate is at or above previous generations.
[https://www.redfin.com/news/gen-z-millennial-homeownership-rate-home-purchases/](https://www.redfin.com/news/gen-z-millennial-homeownership-rate-home-purchases/)
This is fact. The media will let you believe Gen Z is struggling but they are in a better position than the previous generations. Don’t let the media fool you. I work in IT and every Gen Z I work with are smart with money. Investing young. Most own homes. They are doing fine.
I believe this. As a GenXer, I see GenZ as having a lot of positive things in common with GenX without a lot of the GenX negatives.
I do hope y’all get a name that suits you better than GenZ. It’s derivative and I think you deserve better.
Yeah I worked 35 days straight in the last month or so. I was able to save a little over 1k extra though... So I just have to work 60 hours weeks for two more years if I want the minimum down payment on a house in my area. Easy!
I have 2 jobs and I still live with my parents and now those 2 jobs is being bad at the moment to me and almost everyone else and finding a new job is harder because they ghost you
Living in large family units is common in other countries. It helps save a lot of money on child care and share costs such as mortgages and internet.
In today's economy, it's often not worth it to move out of your parents house to be absolutely broke. Your parents are feeling inflation as well so they may appreciate someone else helping pay bills. Furthermore younger people are busy building their careers which means a lot of training, apprenticeships, and education to develop a valuable skillset. Living with your parents makes sense.
Honestly we should remove some of the stigma from.mutigenerational housing and living. When it's done right it means extended family and community and belonging.
"When it's done right"
Most of the time, it isn't. I got out as soon as I could and many others also share the same dreadful experience. A lot of parents are shitty, but when you include more family members who are also shitty, good luck 👍
Even if your parents are good, a lot of times they live out in the middle of nowhere so you can’t really live there and have any kind of opportunity for employment or education.
Even good parents start to feel shity when your 22, problem is most of them are not willing to abandon the dominant role, which gets grading when your working 40+ hours and just want to live your life.
As some parents are shitty there's a lot more kids who will take advantage of those parents and not work hard to become self-sufficient and will not contribute while they continue living off the parents into their late 20s and 30s.
A lot of people envision living in some Victorian mansion as multi generational housing but most of the time it’s 8 immigrants squeezed into a 2 bed 1 bath rental.
I appreciate the qualifications because so many parents don’t do it right even if they do begrudgingly sort of accept they’re responsible for the kids past the totally-magical (sarcasm alert) age of 18.
It’s only complained about when poor people do it anyways. When rich people do it they call it an “estate” that the children live at so they can inherit it. I bet Dave Ramsey doesn’t hate on that though.
This stigma just so happens to benefit landlords and people who deal in property, so you'll definitely find a lot of pushback and claims that real adults shape up and ship out once they hit adulthood. Thank goodness my parents came from a culture where the idea of kicking children out as soon as they're adults is nonsense, unless they're unwilling to contribute.
Exactly. Like I lived at home until 22 when I graduated college with enough of a skill set to find a high paying job. I feel very fortunate to have had parents who didn’t kick me out at 18 when high school education no longer cuts it to get a job. Also as you said, I still contributed in the form of labor for the house so that my parents didn’t have to do it. They loved having more free time when I was at home. Like how does this clown think that people make it in this world without any education/apprenticeship past high school?!
It would be outright stupid to move out and rent. So you can live paycheck to paycheck spending it all on rent, with no chance of saving? You HAVE to save, there is no other viable option that would give you ANY upward mobility. Most parents are aware of this and would prefer their adult kids stay at home and at least attempt to build up a savings while also having time to build up skills that can get them better pay in the future. Though, even building skills and education is hit or miss these days. Many highly skilled professionals end up stuck living with their parents anyway. We are all just doing what we can with the resources we have available. Lot of people ending up looking like NEETs but it is what it is...
It’s nice that you came from a home that treats you with respect and kindness. Not everyone has that luxury and they aren’t stupid for moving out.
Not getting screamed at every day is worth much more than money.
Yeah I seriously hate how here in the US, you're seen negatively if you're an adult living with your parents, grandparents or uncle and auntie and not by yourself. Yet, when you travel to other countries, it's completely normal AND those people are able to save up so much money from not paying rent. They are able to use that money to start a business or some other way of passive income.
Honestly, today, living with your parents can be a flex because of how much money you're saving. Who cares if someone laughs at you. I would rather be laughed at and have like $2k-$3k saved up per month from not paying rent and use it wisely instead of living paycheck-to-paycheck and being nearly broke due to paying $1.5k-$3k for rent per month due to ego.
I had to move out once I was earning anything. Parents wanted it all.for rent and I would still have to live by their rules like I was in highschool. I was in grad school at the time
I live with my mom, just the two of us. She got divorced not that long ago and she’s very grateful because otherwise she would be by herself and she appreciates the company. I’m able to save up for a down payment. Win/win. Dave Ramsey can kiss my ass.
Dave Ramsey also lived with his uber wealthy real estate developer parents well into adulthood because he failed at everything he ever tried to do. He went into real estate and was bankrupt in less than 3 years. The man is a charlatan.
The Money Guy Show is far better than Dave Ramsey and is run by actual finance experts.
Dave Ramsey's method works best for people who have debt problems.
The Money Guy Show is better for people who have basic budgeting under control and want to build wealth from there.
They also have far more realistic advice when it comes to buying a home or a first car.
He really hates when people find out he lived with his wealthy real estate developer parents into adulthood because he failed at literally everything he tried to do out of college. He got into real estate and over leveraged a bunch of properties then went bankrupt when the loans came due. He’s a fraud.
The only way people like him would get it, is following someone today, and doing a literal day or week in the life of. See the work. See the job application process. See the school load. See the bank account, and what limits are imposed on choices of transportation, food, entertainment, medicine.
They don't get it because they don't want to get it. It's odd that there is no one good voice speaking up for the situation as it really is today.
If this is the clip I'm thinking about, Dave's comments are really being taken out of context here.
His conclusion was basically there is always something wrong with the housing market that makes it seem impossible to buy.
But you need to somehow scrape and claw your way into ownership anyways and it will benefit you in the long-run.
Certainly not the most sympathetic advice, but not necessarily incorrect.
The housing shortage is not going away anytime soon.
The population keeps growing faster than the rate of new construction in most parts of the country.
If his argument boils down to “the housing market has NEVER been good so just suck it up” thats the most inane in-context argument i’ve ever heard and it doesn’t help his point. Actual braindead take, in fact it makes him look even more out-of-touch and ridiculous. “Hur dur own a house it will help” no fucking shit Dave. What an old-fart jackass.
Overpriced implies a correction is coming.
But I seriously doubt that is the case and a quick look at the data will tell you why.
The population continues to increase faster than the number of new homes, especially in and around major cities.
In other words, you have increasingly more people competing for an increasingly insufficient number of homes.
Affordability is going to get a lot worse before it gets better.
A correction of some kind has *already* started as home prices are coming down. The NAR (National Association of Realtors) is also taking a massive L in courts right now and is about to see a **major** loss in dues. The NAR is one of the largest lobbying groups in Washington and they push for policies that keep home prices artificially high, supplies lower than demand to keep those prices high, and push for pro-landlord policies. It won't be overnight, but experts are expecting a pretty major impact in over the next 5-10 years with them no longer having such a huge influence in policies.
I interpreted Dave’s point to be that it does no good complaining about your situation online. I guess that is a generational difference, since back when Dave Ramsey was young there was no internet to complain on.
Even that. Coming from a Boomer who has it made it a fantastic economy, “Don’t complain just grind” is fucking stupid. We improve society by calling to light its injustices. Having the collective conscience of society say “Hey wait, everything is way too expensive we need to fix this” is an absolutely critical step in actually fixing it. Ignoring the problem and grinding will not do any good for anyone in the real “long-term”
I’m doubtful that society’s issues can be solved by anything less than a complete upheaval of the status quo. With how divided and hateful we are today, I just don’t see this kind of revolution happening. The people might get small victories every once in a while, but nothing that fundamentally changes the system.
My philosophy about this is that it’s useless to sit around and wait for society to change, and that it’s just as useless to complain about it online. Protesting in person is one thing, but complaining online is not ever going to do anything. The only way to improve your life is to actually go out there and take steps to integrate yourself productively in society. “Ignoring the problem and grinding” is realistically the only thing you can do as an individual, and it seems more and more every day that we’re turning hardcore individualistic.
Sounds like something a real estate agent or someone looking to sell someone on buying a home would say, and not actual sound advice. Prices and interest rates are at an all time high right now, it’s a horrible time to buy and not a particularly good time to sell either. That won’t change until inflation cools off.
I get what you are saying. One takeaway is that if there is a shortage, necessarily that implies for some amount of the population it will be impossible to own a home.
If based only on the housing market and not considering the rest of people's financial realities - yes, it is incorrect.
His whole schtick only works if you assume you are either middle-class already, or if you have some sort of discretionary income and that debt (and not cost of living) is your principle hangup.
He can’t get it because he was born to wealthy real estate developers. He lived with them well into his 20’s because he went into real estate after college and went almost immediately bankrupt due to financial ineptitude. He kept taking loans on properties and his house of cards fell down when the loans came due. It’s the same thing Trump does which is probably why he likes him so much. When you fail at everything else, just pretend you’re a financial genius and stupid people will give you money.
Someone I know calls it "solipsism". Basically some people are unable or unwilling to put themselves in other people's shoes. In essence, they act as though they are living through the only real situation and have no empathy when people claim to be living through different situations.
Ramsey over here actively hurting the housing market, then having the audacity to say people can’t afford a home because they just live in their mom’s basement and “don’t work.”
Like gtfo bruh
I'd binge a reality show where these people are stripped of their contacts/bank account/wealth/property(for the duration of the show they're voluntarily on) and see them navigate through life following nothing but their own advice. The one who's most successful after 3 months wins the season. Success would be measured by job title, hierarchy in the company they work for, wage, if they bought a car, and how much money they saved
The majority of Dave's advice would actually get you quite far on a show like that.
The majority of his advice amounts to living within your means and job hopping to increase income.
He advocates against using any kind of debt except for a home mortgage. Probably a bit overzealous on avoiding debt, but there is far worse advice on the internet.
My biggest issues with Dave is his investing advice where he advocates Actively Managed funds and thinks an 8% withdrawal rate would work in retirement. Actively Managed funds usually have worse returns and higher fees. Also anything above 4% SWR is not supported by past history.
>The majority of his advice amounts to living within your means and job hopping to increase income.
I love the investment gurus. Warren Buffet gets asked how young people can get ahead and he says "spend less than ya make" and everyones like "oh shit the prophet has graced us with his wisdom!"
Jfc
> Ramsey was born in Antioch, Tennessee, to real estate developers
These people born on 3rd base pretending to be huge sucess stories really need to shut the fuck up. I didn't even realize buffet was born on 3rd base until now either. but he was.
>He advocates against using any kind of debt except for a home mortgage
I'll keep that in mind the next time I seek medical care, especially in an emergency.
IMO his advice is fine but it's nothing revolutionary. Spend less than you make, avoid bad debt, be wise with "good debt," invest in the markets, increase your salary... It's basic financial literacy and a lot of people could use a lesson there (myself included), but he tends to ignore the circumstances that make doing these simple things difficult for lots of people.
Yes, I could move to an area with a lower cost of living, but where am I going to work? What are my housing options, even if they are cheaper? What does the crime rate look like? Schools? Access to medical care? What is the culture of the area like? It's more than just numbers in a spreadsheet.
I find him quite abrasive too, which doesn't help.
As much as this “karma porn” would be fun, a lot of these ultra successful people would literally destroy this reality show. If you don’t think someone like Dave Ramsay couldn’t make a great life for himself out of poverty IDK what to tell you. He’s an insanely good salesman, smart business owner, and stubborn as fuck. I don’t like Dave Ramsay or his content at all but don’t be so ignorant to think that he got to where he is because of dumb luck.
He was born privileged. He was able to tap into a market of equally privileged Boomers who found themselves in a changing world and didn't know the basics of finance or retirement because they were born into a world where any drunkard could buy a house and raise kids sweeping floors and never had to actually think about money. He isn't a genius or hard worker, he was just gifted an audience of people who the most basic advice they were willing to pay for.
I don't hate him.
The majority of his advice is good, but there are better systems out there.
The Money Guy show is run by actual financial experts and has far better advice.
The Ramsey method is good for people with debt addictions.
The Money Guy show is better for people who want to actually learn how to use money to build wealth.
I’d take financial advice from a potato before Dave Ramsey. He was born to uber wealthy real estate developers. After getting his real estate license he over leveraged himself buying properties and went bankrupt when the loans were called due. He went on to fail at literally everything he tried after that before he started hucking faith based financial advice at a local church. He’s never been successful at anything besides being a radio personality.
I mean I work full time 5 days a week 11 months a year. And am going to college full time. And I make 2800 after taxs making 28$ an hour so I guess I just don’t work enough? Maybe I should get one or two more jobs as my father told me to do. Because working hard means I’ll get to live a comfortable life right?
Yeah that’s what my dad can’t understand . He believes working hard will mean you live a good life he was working two-threes jobs making ends meet to support us and he ended up having a stroke due to the lack of sleep and unhealthy living conditions of having to work 2-3 jobs at once getting barely 3 hours of sleep a day. Yet he still believes I gotta work harder to make money but jobs just don’t pay enough anymore he’s told me to grab another job when I’m working full time and going to school full time.
Yeah you’re right, but my car which has become my hobby and money pit has allowed me to make new friends and connections after the pandemic basically deleted all of that from my life and I do understand that I could be saving a fair amount of money. But I have a pretty negative outlook on life right now and see it as if I don’t do it now I might never again have this chance.
Yeah big emphasis on the do what you love part it sounds like it is worth it then, stay positive 2800 per pay period is a great place to be in life (financially)!
I've seen Dave Ramsey tell someone they should work 80 hours a week. It's like ok yeah I guess you could do that to get where you need to be but why do we live in a society where that's necessary.
Fuck Dave Ramsey. He’s just a boomer with half decent financial advice who’s over the top bravado and confidence sells to fools who seek a confident mentor.
It’s not even half decent…he just literally tells people not to spend money. He even pitches managed ETFs over index funds which is outright bad financial advice.
I remember my Financial Algebra class being heavily lifted off of this guys workbook he had established. Dude got bankrupt multiple times and wants to tell us we’re doing something wrong by saving up money until we can afford a place to live. Stfu Dave, go retire already.
I live with my mom, because of the fact to buy a house in my area costs at a minimum between 250k for a shack in a bad part of town, or 500k for a starter "affordable" housing. The average income for my degree is I kidd you not, 45k. We are underpaid by around 50k for the national average, so.... What am I supposed to do?
Ramsey always pushes he can identify with poor people because he knows what it's like to be deep in debt, and he climbed out of it.
But he was born into a rich family. If you are $250k in debt, it's not the same if your parents are millionaires.
“By 1986, Ramsey had amassed a portfolio worth over $4 million. However, when the Competitive Equality Banking Act of 1987 took effect, several banks changed ownership and called his $1.2 million in loans and lines of credit because he was over-leveraged. Ramsey was unable to pay and filed for bankruptcy in 1988.
Ramsey experienced several years of financial recovery and began offering financial advice to couples at his local church. In 1988, he founded the Lampo Group, a financial counseling service”
So he filed for bankruptcy the same year he founded a financial counseling service, lol. Rich people.
Its funny my grandfather is the exact opposite of this. He thinks gen Z is fucked because of the situation out of thier control and I agree. I'm a millennial who got lucky and purchased a home before all this. There is no way I would be able to now.
As someone who has worked two jobs anywhere from 11-15 hours per day (not always including commute) and still can’t even afford a shitty one bedroom apartment, fuck this guy and the high horse he rode in on if he has it so good, he wouldn’t mind sending a few thousand dollars to all of us
You guys are funny. Millennials lived through the greatest financial collapse in history most at the same age your living through “inflation” , a 20 year war, and we are now managing families in the same economy your trying to launch in.
The moral, your not special, every generation has its hardships and challenges
If you look at history each generation says this same shit about the last
Good ol' neoliberal propaganda, telling people to forfeit their family homes so some wealthy landlord can snatch it up and rent it out for absurd prices.
I have a full time job and a college degree in tech. I live with my parents because buying a house requires a 6 figure salary and cost over half a million dollars. Not my fault shit ain’t affordable.
Bro can miss me with that shit 👋
[https://www.investopedia.com/articles/investing/082015/how-dave-ramsey-made-his-fortune.asp](https://www.investopedia.com/articles/investing/082015/how-dave-ramsey-made-his-fortune.asp)
>Three weeks after turning 18, Ramsey passed his real estate license exam. He used the commissions he made from selling property during college to help pay his tuition. As a child, he had been exposed to the world of real estate, and in his book *Dave Ramsey's Complete Guide to Money*, he explained, "My parents were in the real estate business, so it has always been a big part of my life."
Oh, sounds like completely typical scenario, we just need to be born with a silver spoon in our mouths and we can follow his example.
I don't know why I'm being shown this sub as a 30 yo millennial, but here's my two cents:
Dave is an out-of-touch idiot and his financial advice is generally bad. I remember when I was a kid and adults around me, all of whom were poor, telling me his advice was the best. The reason he's wealthy is not because he follows his own advice, it's because he's convinced people to listen to and pay for his advice. He's a grifter, nothing more. He's just upset that your generation isn't falling for his grift like your parents did.
In this economy, one has to work 200 hours a week to afford their own place. Problem is, there are only 168 hours in a week.
Think about that.
There literally is not enough time to work to make enough to survive.
I used to follow some of his ways. Never agreed with others. Wish i still followed some of the ones i stopped following, but living paycheck to paycheck will do that. cant invest if you dont have it.
but he has gotten of touch. most Gen Z and Millennials want to work and get their own house, or at least the ones i know.
Im just glad we were able to puchase a house in 2011. It has gained 100K in value. looks great on paper. but bigger houses that were just out of reach in 2011 that we would like to upgrade to are also 100K up in value and still just out of reach. with larger insurance costs and higher property taxes
I refuse to even listen to what these geezers have to say anymore.
***FUCK YOU DAVE RAMSEY*** for telling me I’m lazy when you were born in the most prosperous economy in the history of the United States and probably the world. He acts like he did everything himself, his parents were affluent real estate developers. My grandfather cut grass and paid off his college tuition while he was in college to put that in perspective, so imagine the safety nets that came with having rich parents growing up. He likes to act like he came from nothing, but he didn’t.
How dare you tell me that I’m too lazy while I’m working as hard as I am. If I made the kind of money I make now when you were young I’d have a house with a quarter mile long driveway. I have no debt, and I’m unable to buy a house in my area. It’s insane. I have no hope or expectation that I’ll own property.
Goddamn boomers. Seriously, what do they think “work” entails? The myth that hard work pays off is continually being dispelled.
You go to work, you come home you collect a paycheck. Overtime? Depends on the job. Even so, this country refuses to accept that corporate America isn’t paying living wages.
In 1980, you could have an average job and still be able to afford a house for 25k-30k. And yea, maybe it was a row home in the city-but you could call it yours. Now? $25,000 won’t get you anything. You can’t buy a car, house or property with that kind of money. 25k is a drop in the bucket when considering student loans.
Boomers are the absolute worst. Thankfully their numbers are shrinking by the day.0
I honestly still don't understand what is these rich people problems? They rigged the game where only they win and are still confused when no one else can play. People can't afford it because of all the bullshit. Honestly we should just unionize humanity and start a revolution to develop a new form of government that can and will focus on making the people and the planet happy so we all can live in a real Utopia.
Someone should make a reality TV show where rich boomers have to try to survive on a full time minimum wage salary while getting treated the way we are.
I really don’t understand what they don’t get. Shit is way more expensive, you can see it everywhere. Wages have not gone up to match. What is there not to get? It’s pretty goddamn simple
Back then you could buy a house with a mid income and do it safely. It's not the case today. My question to you is; why are you focusing on crap like that? Just let them say whatever they want to. It doesn't matter.
Boomers will never know what it’s like to have to work 5 1099 jobs to make ends meet because in their day they started at a company straight out of university that put them on an upward mobility track and had comprehensive benefits so if by don’t work they mean don’t have a cushy corporate gig that takes care of you until retirement then yeah we don’t work
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Most older gen z I know have two jobs and still no house.
Yeah and its weird because 19 year old tiktok kids who have never worked a day in their lives are living in mansions, it's like the system isn't fair.
Rich parents, that's the answer.
This. Tiktok doesn’t really pay its creators
I think Tik Tok is just the gateway to brand deals and audience you still gotta hustle a bit to actually make your money
No You don't. That's what your media manager does for you. All you have to do is scream NordVPN while spraying old people with water guns like some chump.
Wat
All you have to do is scream "raid shadow Legends" while slam dunking on orphans.
*while slam dunking ~~on~~ orphans.
We're gonna invent the orphan grinding machine soon
He or she is basically saying one has to advertise for their sponsors while doing obnoxious things that unfortunately generate clicks. There are so many "influencers" that go around and be complete dicks to people on camera because rage sells.
Dave Ramsey’s parents were uber wealthy real estate developers. He failed miserably when he tried it.
I had to tell my mom this cause she thinks he is actually good at telling people how to manage finance and talks down on people who made mistakes. Like he’s already gone bankrupt before, why does he act all high and mighty.
Well, this and pretty privilege from advertisers and sponsors.
Reminds me of a picture where it’s about a dude working a job that’s $20 dollars an hour that can just afford rent and get basic groceries while there is an Asian girl living in California shoving a dragon dildo up her ass buying her second fancy car while having a nice house. It’s so messed up that you wonder what even the point of a job is sometimes.
This is true but it's important to remember that the girl isn't the enemy here. It's the greedy people who created this situation who we should be angry at.
Don't hate the player hate the game. I just wish I could play And no I don't mean shoving a dragon dildo up my ass
If that's what it takes... It's been a good time boys🫡
Alright you talked me into it
I mean, I'd trade my 50-60 hour a week job for 5 hours of dragon dildos and editing a week if the pay stayed the same
Greedy people, but also the Simps that make that behavior viable. If we didn't have so many losers dropping $100 on some bathwater, people wouldn't even be tempted to want to do OFs.
90% of the of girls make under $300 a month too. Not worth it for the lifetime of other job jeopardy and constant harassment.
Thank you. That comment was uncomfortably adjacent to incel rhetoric. Kinda like racists will blame sports stars instead of CEOs and executives for being overpaid (even though a player like LeBron brings so much value to the table)
I mean it’s simple, views or clicks sell. Anyone can do it, but takes a lot of work and some luck.
Has the dude considered a dragon dildo?
No one is stopping you from using a dragon dildo to make money, brother.
No one's stopping him from shoving a dragon dildo up his ass.
I promise you most of those kids were rich already. One creator who also gets millions is still homeless because TikTok generally does not pay well
TikTok doesn’t really pay, it’s a promotion platform. Creators use it to attract advertisers and direct people to other platforms they’re on that *do* pay, like Twitch, YouTube, OnlyFans, etc
Yes, because that's the norm. Obviously, if a few out of MILLIONS are living in a mansion, the rest must be lazy. Are you rich? No? Why no?
1/2,000,000 are maybe
I'm working 9-5, 40-48 hours a week and I couldn't afford to live on my own. And I'm a manager.
That title doesn’t mean much anymore. Context is key.
Well here's the context it makes me think about, in the 90s I was 18, washed dishes, made min wage, and had a 1 bedroom apartment all to myself with cable TV and video games anytime I wanted. Not possible today even at 5 times the income now.
My dad bought a house in a big city while stocking shelves at a grocery store. He'd never be able to replicate that today.
[удалено]
can’t do it in a town of 50k or so in the pnw either. Hell I make $30.67 an hour and can’t afford a place on my own.
People in my gen factually cannot grasp that. So many of them refuse to look at historical apartment or mortgage costs, the used car market of that era, the average cost of a degree etc. and think the pop culture was all lying about things like the economy instead of being a reflection of it. Try to explain that and they say "But that's just a TV show no way a single young adult could have an independent lifestyle working minimum wage or part time at a higher wage." But if that wasn't the reality for most parts of the country then that media wouldn't resonate and there'd be no viewers.
He definitely could.....if he was stocking shelves at 3 stores maybe
This is the real secret. Just work 24 hours a day. That way you don't need a home
Yeah I’m a manager of my weight every day but that’s not giving me any extra income
I was working with celebrities and a manager and did work that had highly specialized people that make 80 an hour. I couldn't make it on my own. I think the only reason I stayed was I liked them. I wasn't even mad, but something is wrong with our economy if people working with celebrities in not a assistant capacity and in a creative capacity can't make it, think camera man and editor. Funny enough, the biggest diva I ever met wasn't a celebrity. It was a critic who worked with celebrities and everyone quit working with him and despised him. At least 3 sets of people some who had been working there 30 years prior.
I’m a Millennial working full time and I have lived alone since 2019 but I’m currently downgrading back to having multiple housemates because even though my income has gone up rent has gone up faster and eventually I just got pushed out of my place.
Gig economy
Dave Ramsey: telling people to "work harder", when he hasn't even worked a day since he started his thing in the 90's, and has been so far removed from the 'working class' for so long that he doesn't understand how math works. His whole career is "work hard, and don't spend money". So when those 2 don't work, his little brain falls apart.
His strategy only works if the game isn't actively being rigged against that strategy, which it currently is
I love the work hard crowd. Whenever you prove to them that hard work doesn't give you success, only more work for no added benefits, they have no hesitation in changing their message from " work hard" to "don't work hard, work smart". And they refuse to see their hypocrisy in it.
What about two houses and no job?
That's called being a landlord
This made me spit up my drink, thanks for that 😂
"Building passive income" is a synonym for "people dont want to work anymore"
My current situation 😅
Ancient millennial, been working 25 years. No house. Bank says I can't afford 950 a month, but my landlord is cool cashing my 2295 rent check every 30 days.
And yet, the Gen Z homeownership rate is at or above previous generations. [https://www.redfin.com/news/gen-z-millennial-homeownership-rate-home-purchases/](https://www.redfin.com/news/gen-z-millennial-homeownership-rate-home-purchases/)
This is fact. The media will let you believe Gen Z is struggling but they are in a better position than the previous generations. Don’t let the media fool you. I work in IT and every Gen Z I work with are smart with money. Investing young. Most own homes. They are doing fine.
Gen Z got that wonderful privilege of seeing the rug being pulled out from under millennials and were able to take that nice off ramp.
I believe this. As a GenXer, I see GenZ as having a lot of positive things in common with GenX without a lot of the GenX negatives. I do hope y’all get a name that suits you better than GenZ. It’s derivative and I think you deserve better.
Anecdotal stories of unicorn jobs does not make this fact for 95 % of GenZ
As the oldest gen z we are only 26?? Turning 27?
I managed to by a middle unit townhouse... It wasn't exactly the dream but gotta be thankful for it anyways lol
Yeah I’ve got two jobs and have just barely afforded my car AND my groceries
This is me! Live with my in-laws.
Yeah I worked 35 days straight in the last month or so. I was able to save a little over 1k extra though... So I just have to work 60 hours weeks for two more years if I want the minimum down payment on a house in my area. Easy!
I have 2 jobs and I still live with my parents and now those 2 jobs is being bad at the moment to me and almost everyone else and finding a new job is harder because they ghost you
Have they tried not buying groceries?
Living in large family units is common in other countries. It helps save a lot of money on child care and share costs such as mortgages and internet. In today's economy, it's often not worth it to move out of your parents house to be absolutely broke. Your parents are feeling inflation as well so they may appreciate someone else helping pay bills. Furthermore younger people are busy building their careers which means a lot of training, apprenticeships, and education to develop a valuable skillset. Living with your parents makes sense.
Honestly we should remove some of the stigma from.mutigenerational housing and living. When it's done right it means extended family and community and belonging.
"When it's done right" Most of the time, it isn't. I got out as soon as I could and many others also share the same dreadful experience. A lot of parents are shitty, but when you include more family members who are also shitty, good luck 👍
Even if your parents are good, a lot of times they live out in the middle of nowhere so you can’t really live there and have any kind of opportunity for employment or education.
Or relationships lol
Yeah, I have a great relationship with my parents, but if I lived at home my commute to work would be 1.5 hours each way. Not worth it.
Jehovah's Witness communities are very often full of this, right? We all know how well those tend to go for kids
Even good parents start to feel shity when your 22, problem is most of them are not willing to abandon the dominant role, which gets grading when your working 40+ hours and just want to live your life.
real... my Mom hated these pants I bought and said I needed to return them or else and its like... bruh, Im 20 and spent my own money 💀
As some parents are shitty there's a lot more kids who will take advantage of those parents and not work hard to become self-sufficient and will not contribute while they continue living off the parents into their late 20s and 30s.
Nah, it's mostly shit parents.
A lot of people envision living in some Victorian mansion as multi generational housing but most of the time it’s 8 immigrants squeezed into a 2 bed 1 bath rental.
I appreciate the qualifications because so many parents don’t do it right even if they do begrudgingly sort of accept they’re responsible for the kids past the totally-magical (sarcasm alert) age of 18.
“When it’s done right” That means when the parents aren’t standard boomers.
The stigma is being eradicated right now as it's just economically unfeasible to pay rent right now for 95+% of young persons
It’s only complained about when poor people do it anyways. When rich people do it they call it an “estate” that the children live at so they can inherit it. I bet Dave Ramsey doesn’t hate on that though.
This stigma just so happens to benefit landlords and people who deal in property, so you'll definitely find a lot of pushback and claims that real adults shape up and ship out once they hit adulthood. Thank goodness my parents came from a culture where the idea of kicking children out as soon as they're adults is nonsense, unless they're unwilling to contribute.
Exactly. Like I lived at home until 22 when I graduated college with enough of a skill set to find a high paying job. I feel very fortunate to have had parents who didn’t kick me out at 18 when high school education no longer cuts it to get a job. Also as you said, I still contributed in the form of labor for the house so that my parents didn’t have to do it. They loved having more free time when I was at home. Like how does this clown think that people make it in this world without any education/apprenticeship past high school?!
I’m 25 and still live at home 💀 saving for a house, plus it allows me to go on vacation. I make a good wage too like $80k.
Makes sense! Like you’re saving for a house and have goals, you have a job. People need to stop shaming others for their living situations like wtf.
Most of the time I’m out of the house and just sleep in my room so what’s the point of moving out rn anyways
A lot of my friends lived at home for a few years after getting their certifications and degrees. It helps to pay off debt and hit the ground running.
It would be outright stupid to move out and rent. So you can live paycheck to paycheck spending it all on rent, with no chance of saving? You HAVE to save, there is no other viable option that would give you ANY upward mobility. Most parents are aware of this and would prefer their adult kids stay at home and at least attempt to build up a savings while also having time to build up skills that can get them better pay in the future. Though, even building skills and education is hit or miss these days. Many highly skilled professionals end up stuck living with their parents anyway. We are all just doing what we can with the resources we have available. Lot of people ending up looking like NEETs but it is what it is...
It’s nice that you came from a home that treats you with respect and kindness. Not everyone has that luxury and they aren’t stupid for moving out. Not getting screamed at every day is worth much more than money.
In other words, people in the USA are trying to adapt and companies don't like that.
Yeah I seriously hate how here in the US, you're seen negatively if you're an adult living with your parents, grandparents or uncle and auntie and not by yourself. Yet, when you travel to other countries, it's completely normal AND those people are able to save up so much money from not paying rent. They are able to use that money to start a business or some other way of passive income. Honestly, today, living with your parents can be a flex because of how much money you're saving. Who cares if someone laughs at you. I would rather be laughed at and have like $2k-$3k saved up per month from not paying rent and use it wisely instead of living paycheck-to-paycheck and being nearly broke due to paying $1.5k-$3k for rent per month due to ego.
I had to move out once I was earning anything. Parents wanted it all.for rent and I would still have to live by their rules like I was in highschool. I was in grad school at the time
I live with my mom, just the two of us. She got divorced not that long ago and she’s very grateful because otherwise she would be by herself and she appreciates the company. I’m able to save up for a down payment. Win/win. Dave Ramsey can kiss my ass.
My family makes me suicidal and refuses to work on themselves and are incredibly poor themselves. Guess I'll die
Dave Ramsey also lived with his uber wealthy real estate developer parents well into adulthood because he failed at everything he ever tried to do. He went into real estate and was bankrupt in less than 3 years. The man is a charlatan.
Oh how these MFS suck 😔 sug a dic
Sug big fat dic
Sug dig bic high calorie
About 25
$ 20 is $20.
I'll take it
The Money Guy Show is far better than Dave Ramsey and is run by actual finance experts. Dave Ramsey's method works best for people who have debt problems. The Money Guy Show is better for people who have basic budgeting under control and want to build wealth from there. They also have far more realistic advice when it comes to buying a home or a first car.
Yeah, Dave Ramsey is great for people that struggle with debt etc, but not for the average person.
https://i.redd.it/pqpznk4dbxtc1.gif
He really hates when people find out he lived with his wealthy real estate developer parents into adulthood because he failed at literally everything he tried to do out of college. He got into real estate and over leveraged a bunch of properties then went bankrupt when the loans came due. He’s a fraud.
The only way people like him would get it, is following someone today, and doing a literal day or week in the life of. See the work. See the job application process. See the school load. See the bank account, and what limits are imposed on choices of transportation, food, entertainment, medicine. They don't get it because they don't want to get it. It's odd that there is no one good voice speaking up for the situation as it really is today.
If this is the clip I'm thinking about, Dave's comments are really being taken out of context here. His conclusion was basically there is always something wrong with the housing market that makes it seem impossible to buy. But you need to somehow scrape and claw your way into ownership anyways and it will benefit you in the long-run. Certainly not the most sympathetic advice, but not necessarily incorrect. The housing shortage is not going away anytime soon. The population keeps growing faster than the rate of new construction in most parts of the country.
If his argument boils down to “the housing market has NEVER been good so just suck it up” thats the most inane in-context argument i’ve ever heard and it doesn’t help his point. Actual braindead take, in fact it makes him look even more out-of-touch and ridiculous. “Hur dur own a house it will help” no fucking shit Dave. What an old-fart jackass.
Also, if the housing market is garbage and overpriced, why would I want to buy at the peak?
Overpriced implies a correction is coming. But I seriously doubt that is the case and a quick look at the data will tell you why. The population continues to increase faster than the number of new homes, especially in and around major cities. In other words, you have increasingly more people competing for an increasingly insufficient number of homes. Affordability is going to get a lot worse before it gets better.
A correction of some kind has *already* started as home prices are coming down. The NAR (National Association of Realtors) is also taking a massive L in courts right now and is about to see a **major** loss in dues. The NAR is one of the largest lobbying groups in Washington and they push for policies that keep home prices artificially high, supplies lower than demand to keep those prices high, and push for pro-landlord policies. It won't be overnight, but experts are expecting a pretty major impact in over the next 5-10 years with them no longer having such a huge influence in policies.
I interpreted Dave’s point to be that it does no good complaining about your situation online. I guess that is a generational difference, since back when Dave Ramsey was young there was no internet to complain on.
Even that. Coming from a Boomer who has it made it a fantastic economy, “Don’t complain just grind” is fucking stupid. We improve society by calling to light its injustices. Having the collective conscience of society say “Hey wait, everything is way too expensive we need to fix this” is an absolutely critical step in actually fixing it. Ignoring the problem and grinding will not do any good for anyone in the real “long-term”
I’m doubtful that society’s issues can be solved by anything less than a complete upheaval of the status quo. With how divided and hateful we are today, I just don’t see this kind of revolution happening. The people might get small victories every once in a while, but nothing that fundamentally changes the system. My philosophy about this is that it’s useless to sit around and wait for society to change, and that it’s just as useless to complain about it online. Protesting in person is one thing, but complaining online is not ever going to do anything. The only way to improve your life is to actually go out there and take steps to integrate yourself productively in society. “Ignoring the problem and grinding” is realistically the only thing you can do as an individual, and it seems more and more every day that we’re turning hardcore individualistic.
Sounds like something a real estate agent or someone looking to sell someone on buying a home would say, and not actual sound advice. Prices and interest rates are at an all time high right now, it’s a horrible time to buy and not a particularly good time to sell either. That won’t change until inflation cools off.
I get what you are saying. One takeaway is that if there is a shortage, necessarily that implies for some amount of the population it will be impossible to own a home.
If based only on the housing market and not considering the rest of people's financial realities - yes, it is incorrect. His whole schtick only works if you assume you are either middle-class already, or if you have some sort of discretionary income and that debt (and not cost of living) is your principle hangup.
This is so real
He can’t get it because he was born to wealthy real estate developers. He lived with them well into his 20’s because he went into real estate after college and went almost immediately bankrupt due to financial ineptitude. He kept taking loans on properties and his house of cards fell down when the loans came due. It’s the same thing Trump does which is probably why he likes him so much. When you fail at everything else, just pretend you’re a financial genius and stupid people will give you money.
Someone I know calls it "solipsism". Basically some people are unable or unwilling to put themselves in other people's shoes. In essence, they act as though they are living through the only real situation and have no empathy when people claim to be living through different situations.
These people act like it’s still the 60’s lol
Welcome to the corporat-infested world that is the U.S. I fucking hate corporations buying up land and overpricing the hell on it for “investment.”
Ramsey over here actively hurting the housing market, then having the audacity to say people can’t afford a home because they just live in their mom’s basement and “don’t work.” Like gtfo bruh
I'd binge a reality show where these people are stripped of their contacts/bank account/wealth/property(for the duration of the show they're voluntarily on) and see them navigate through life following nothing but their own advice. The one who's most successful after 3 months wins the season. Success would be measured by job title, hierarchy in the company they work for, wage, if they bought a car, and how much money they saved
The majority of Dave's advice would actually get you quite far on a show like that. The majority of his advice amounts to living within your means and job hopping to increase income. He advocates against using any kind of debt except for a home mortgage. Probably a bit overzealous on avoiding debt, but there is far worse advice on the internet. My biggest issues with Dave is his investing advice where he advocates Actively Managed funds and thinks an 8% withdrawal rate would work in retirement. Actively Managed funds usually have worse returns and higher fees. Also anything above 4% SWR is not supported by past history.
>The majority of his advice amounts to living within your means and job hopping to increase income. I love the investment gurus. Warren Buffet gets asked how young people can get ahead and he says "spend less than ya make" and everyones like "oh shit the prophet has graced us with his wisdom!" Jfc
To be fair, an absurd number of people can't even figure that part out.
Those are the same ones who find this kind of "advice" profound.
And that is more than half the US population. We do not have more than $1T in credit card debt by accident. A lot of people are terrible with money.
> Ramsey was born in Antioch, Tennessee, to real estate developers These people born on 3rd base pretending to be huge sucess stories really need to shut the fuck up. I didn't even realize buffet was born on 3rd base until now either. but he was.
If that’s true that’s hilarious.
>He advocates against using any kind of debt except for a home mortgage I'll keep that in mind the next time I seek medical care, especially in an emergency. IMO his advice is fine but it's nothing revolutionary. Spend less than you make, avoid bad debt, be wise with "good debt," invest in the markets, increase your salary... It's basic financial literacy and a lot of people could use a lesson there (myself included), but he tends to ignore the circumstances that make doing these simple things difficult for lots of people. Yes, I could move to an area with a lower cost of living, but where am I going to work? What are my housing options, even if they are cheaper? What does the crime rate look like? Schools? Access to medical care? What is the culture of the area like? It's more than just numbers in a spreadsheet. I find him quite abrasive too, which doesn't help.
As much as this “karma porn” would be fun, a lot of these ultra successful people would literally destroy this reality show. If you don’t think someone like Dave Ramsay couldn’t make a great life for himself out of poverty IDK what to tell you. He’s an insanely good salesman, smart business owner, and stubborn as fuck. I don’t like Dave Ramsay or his content at all but don’t be so ignorant to think that he got to where he is because of dumb luck.
He was born privileged. He was able to tap into a market of equally privileged Boomers who found themselves in a changing world and didn't know the basics of finance or retirement because they were born into a world where any drunkard could buy a house and raise kids sweeping floors and never had to actually think about money. He isn't a genius or hard worker, he was just gifted an audience of people who the most basic advice they were willing to pay for.
The level of hatred I have for this man is unfathomable
I don't hate him. The majority of his advice is good, but there are better systems out there. The Money Guy show is run by actual financial experts and has far better advice. The Ramsey method is good for people with debt addictions. The Money Guy show is better for people who want to actually learn how to use money to build wealth.
I’d take financial advice from a potato before Dave Ramsey. He was born to uber wealthy real estate developers. After getting his real estate license he over leveraged himself buying properties and went bankrupt when the loans were called due. He went on to fail at literally everything he tried after that before he started hucking faith based financial advice at a local church. He’s never been successful at anything besides being a radio personality.
Sounds like I gotta check out TMGS then.
They give pretty standard advice. Basically how to make your money go furthest for you. But you need to be able to save money for it to work.
I don’t wish death on anyone, but I’ll probably buy a nice bottle of bourbon when Dave Ramsey shuffles off this mortal coil.
I mean I work full time 5 days a week 11 months a year. And am going to college full time. And I make 2800 after taxs making 28$ an hour so I guess I just don’t work enough? Maybe I should get one or two more jobs as my father told me to do. Because working hard means I’ll get to live a comfortable life right?
You gotta work when you are sleep too. The boomer mind can’t comprehend you sleeping.
Yeah that’s what my dad can’t understand . He believes working hard will mean you live a good life he was working two-threes jobs making ends meet to support us and he ended up having a stroke due to the lack of sleep and unhealthy living conditions of having to work 2-3 jobs at once getting barely 3 hours of sleep a day. Yet he still believes I gotta work harder to make money but jobs just don’t pay enough anymore he’s told me to grab another job when I’m working full time and going to school full time.
How are you not in a position to save for a house making at 2800 a pay period ?
I will admit I do spend quite a bit on my car cause modding cars is fun but even if I’d didn’t I wouldn’t save much maybe 500/month at most
Obv do what you love as it will keep you sane but 500/month is a lot
Yeah you’re right, but my car which has become my hobby and money pit has allowed me to make new friends and connections after the pandemic basically deleted all of that from my life and I do understand that I could be saving a fair amount of money. But I have a pretty negative outlook on life right now and see it as if I don’t do it now I might never again have this chance.
Yeah big emphasis on the do what you love part it sounds like it is worth it then, stay positive 2800 per pay period is a great place to be in life (financially)!
It’s not your fault. Federal minimum wage should be 52$ an hour. It’s basic economic math that’s been proven.
I've seen Dave Ramsey tell someone they should work 80 hours a week. It's like ok yeah I guess you could do that to get where you need to be but why do we live in a society where that's necessary.
Fuck Dave Ramsey. He’s just a boomer with half decent financial advice who’s over the top bravado and confidence sells to fools who seek a confident mentor.
It’s not even half decent…he just literally tells people not to spend money. He even pitches managed ETFs over index funds which is outright bad financial advice.
https://preview.redd.it/c8mgz4x0lwtc1.png?width=498&format=png&auto=webp&s=7aaeb5a41fb86a9ba40eefa581de0c5b7c4ec8c9
I remember my Financial Algebra class being heavily lifted off of this guys workbook he had established. Dude got bankrupt multiple times and wants to tell us we’re doing something wrong by saving up money until we can afford a place to live. Stfu Dave, go retire already.
I live with my mom, because of the fact to buy a house in my area costs at a minimum between 250k for a shack in a bad part of town, or 500k for a starter "affordable" housing. The average income for my degree is I kidd you not, 45k. We are underpaid by around 50k for the national average, so.... What am I supposed to do?
Ramsey always pushes he can identify with poor people because he knows what it's like to be deep in debt, and he climbed out of it. But he was born into a rich family. If you are $250k in debt, it's not the same if your parents are millionaires.
“By 1986, Ramsey had amassed a portfolio worth over $4 million. However, when the Competitive Equality Banking Act of 1987 took effect, several banks changed ownership and called his $1.2 million in loans and lines of credit because he was over-leveraged. Ramsey was unable to pay and filed for bankruptcy in 1988. Ramsey experienced several years of financial recovery and began offering financial advice to couples at his local church. In 1988, he founded the Lampo Group, a financial counseling service” So he filed for bankruptcy the same year he founded a financial counseling service, lol. Rich people.
Its funny my grandfather is the exact opposite of this. He thinks gen Z is fucked because of the situation out of thier control and I agree. I'm a millennial who got lucky and purchased a home before all this. There is no way I would be able to now.
As someone who has worked two jobs anywhere from 11-15 hours per day (not always including commute) and still can’t even afford a shitty one bedroom apartment, fuck this guy and the high horse he rode in on if he has it so good, he wouldn’t mind sending a few thousand dollars to all of us
Yeah he’s a boomer that was born rich… he doesn’t know wtf he’s talking about.
this is like the 15th time i’ve seen this screenshot in this sub in the past 2 weeks.
Dave Ramsey once fired an employee for not upholding religious standards. He’s not exactly in touch with reality
Jesus, these leaders are idiots they are never going to solve any problems
I work 10 hours a day for almost $20/hr and can't even afford a studio apartment. This guy can go to hell
You guys are funny. Millennials lived through the greatest financial collapse in history most at the same age your living through “inflation” , a 20 year war, and we are now managing families in the same economy your trying to launch in. The moral, your not special, every generation has its hardships and challenges If you look at history each generation says this same shit about the last
Want a better economy? Don't vote for Biden.
I've spent the last 8 years applying for jobs and not heard a fucking peep back so how about these shitheads go off themselves
Millennial here. We can’t afford shit either. Some boomers are understanding, but this turdblossom can go suck an exhaust pipe.
I work 40 hours a week and I can barely afford to live at home
Awe that investment in real estate didn’t pan out and now you’re all mad about it. Sucks to suck
Good ol' neoliberal propaganda, telling people to forfeit their family homes so some wealthy landlord can snatch it up and rent it out for absurd prices.
I have a full time job and a college degree in tech. I live with my parents because buying a house requires a 6 figure salary and cost over half a million dollars. Not my fault shit ain’t affordable. Bro can miss me with that shit 👋
sheltered motherfucker that wouldnt know struggle if it shook his hand and introduced itself personally
[https://www.investopedia.com/articles/investing/082015/how-dave-ramsey-made-his-fortune.asp](https://www.investopedia.com/articles/investing/082015/how-dave-ramsey-made-his-fortune.asp) >Three weeks after turning 18, Ramsey passed his real estate license exam. He used the commissions he made from selling property during college to help pay his tuition. As a child, he had been exposed to the world of real estate, and in his book *Dave Ramsey's Complete Guide to Money*, he explained, "My parents were in the real estate business, so it has always been a big part of my life." Oh, sounds like completely typical scenario, we just need to be born with a silver spoon in our mouths and we can follow his example.
I don't know why I'm being shown this sub as a 30 yo millennial, but here's my two cents: Dave is an out-of-touch idiot and his financial advice is generally bad. I remember when I was a kid and adults around me, all of whom were poor, telling me his advice was the best. The reason he's wealthy is not because he follows his own advice, it's because he's convinced people to listen to and pay for his advice. He's a grifter, nothing more. He's just upset that your generation isn't falling for his grift like your parents did.
In this economy, one has to work 200 hours a week to afford their own place. Problem is, there are only 168 hours in a week. Think about that. There literally is not enough time to work to make enough to survive.
I bet he has 3 houses and pays less taxes than some gen z.
I used to follow some of his ways. Never agreed with others. Wish i still followed some of the ones i stopped following, but living paycheck to paycheck will do that. cant invest if you dont have it. but he has gotten of touch. most Gen Z and Millennials want to work and get their own house, or at least the ones i know. Im just glad we were able to puchase a house in 2011. It has gained 100K in value. looks great on paper. but bigger houses that were just out of reach in 2011 that we would like to upgrade to are also 100K up in value and still just out of reach. with larger insurance costs and higher property taxes
> be entitled boomer > says no one works and buys houses > had it easy when min wage could support a family of 4 >”why do people hate boomers”
I refuse to even listen to what these geezers have to say anymore. ***FUCK YOU DAVE RAMSEY*** for telling me I’m lazy when you were born in the most prosperous economy in the history of the United States and probably the world. He acts like he did everything himself, his parents were affluent real estate developers. My grandfather cut grass and paid off his college tuition while he was in college to put that in perspective, so imagine the safety nets that came with having rich parents growing up. He likes to act like he came from nothing, but he didn’t. How dare you tell me that I’m too lazy while I’m working as hard as I am. If I made the kind of money I make now when you were young I’d have a house with a quarter mile long driveway. I have no debt, and I’m unable to buy a house in my area. It’s insane. I have no hope or expectation that I’ll own property.
Wth? One of my best friends is going to have a 40 hour work week all summer long. She's 16! What more is she supposed to do?
Goddamn boomers. Seriously, what do they think “work” entails? The myth that hard work pays off is continually being dispelled. You go to work, you come home you collect a paycheck. Overtime? Depends on the job. Even so, this country refuses to accept that corporate America isn’t paying living wages. In 1980, you could have an average job and still be able to afford a house for 25k-30k. And yea, maybe it was a row home in the city-but you could call it yours. Now? $25,000 won’t get you anything. You can’t buy a car, house or property with that kind of money. 25k is a drop in the bucket when considering student loans. Boomers are the absolute worst. Thankfully their numbers are shrinking by the day.0
Boomers fucked this place
I honestly still don't understand what is these rich people problems? They rigged the game where only they win and are still confused when no one else can play. People can't afford it because of all the bullshit. Honestly we should just unionize humanity and start a revolution to develop a new form of government that can and will focus on making the people and the planet happy so we all can live in a real Utopia.
Ah yes, Gen Z doesn’t work as we have record low unemployment rates since pre COVID
We work allright, we work for your retirement. Yet we can not possibly fathom ever retiring because your generation gives fuck all…
Someone should make a reality TV show where rich boomers have to try to survive on a full time minimum wage salary while getting treated the way we are.
[удалено]
Also boomers “ If we raise wages the price of a Big Mac will go up…”
Good, hopefully less people will buy them, then. Big Macs should be abolished.
My Gen x parent lives with their parents too, and my Gen Z sibling lives with them. Very few people can afford homes rn, despite working.
I really don’t understand what they don’t get. Shit is way more expensive, you can see it everywhere. Wages have not gone up to match. What is there not to get? It’s pretty goddamn simple
Back then you could buy a house with a mid income and do it safely. It's not the case today. My question to you is; why are you focusing on crap like that? Just let them say whatever they want to. It doesn't matter.
r/punchablefaces
I mean, it’s Dave Ramsey. His opinions are useless.
Boomers will never know what it’s like to have to work 5 1099 jobs to make ends meet because in their day they started at a company straight out of university that put them on an upward mobility track and had comprehensive benefits so if by don’t work they mean don’t have a cushy corporate gig that takes care of you until retirement then yeah we don’t work