Rejecting Ramsey
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Ramsey is right most of the time. It's easy to find videos where he seems out of touch with daycare costs, but overall it would be wise to take his advice. Self-care is real, and while I won't go to the extent to judge a $6 latte's value to a person, if they're looking for caffeine, there are much cheaper ways to get the jolt while also saving $6 a day to pay off debt.
Maybe Biden has taught kids if they wait long enough, the government will just pay off their debt?
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They really need to emphasize financial planning and financial literacy in high school. It not only helps individuals, but also society as a whole... both in terms of the stock market participation as well as reducing reliance on government support. I have 2 brothers who are living good lives, but probably have zero savings in the bank, and one brother who (like me) has prioritized a steady contribution to savings when possible. It will be interesting to see how things play out as we all become old men, if we are so fortunate to make it that far.
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They really need to emphasize financial planning and financial literacy in high school. It not only helps individuals, but also society as a whole... both in terms of the stock market participation as well as reducing reliance on government support. I have 2 brothers who are living good lives, but probably have zero savings in the bank, and one brother who (like me) has prioritized a steady contribution to savings when possible. It will be interesting to see how things play out as we all become old men, if we are so fortunate to make it that far.
@89th said in Rejecting Ramsey:
They really need to emphasize financial planning and financial literacy in high school. It not only helps individuals, but also society as a whole... both in terms of the stock market participation as well as reducing reliance on government support. I have 2 brothers who are living good lives, but probably have zero savings in the bank, and one brother who (like me) has prioritized a steady contribution to savings when possible. It will be interesting to see how things play out as we all become old men, if we are so fortunate to make it that far.
Preach on, brother!
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They really need to emphasize financial planning and financial literacy in high school. It not only helps individuals, but also society as a whole... both in terms of the stock market participation as well as reducing reliance on government support. I have 2 brothers who are living good lives, but probably have zero savings in the bank, and one brother who (like me) has prioritized a steady contribution to savings when possible. It will be interesting to see how things play out as we all become old men, if we are so fortunate to make it that far.
@89th said in Rejecting Ramsey:
They really need to emphasize financial planning and financial literacy in high school. It not only helps individuals, but also society as a whole... both in terms of the stock market participation as well as reducing reliance on government support. I have 2 brothers who are living good lives, but probably have zero savings in the bank, and one brother who (like me) has prioritized a steady contribution to savings when possible. It will be interesting to see how things play out as we all become old men, if we are so fortunate to make it that far.
How do your brothers feel about Trump?
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I just planted my potted Violette de Bordeaux fig tree in my side yard yesterday. I'm not sure it'll get enough sun. I'll plant one more soon, a Celeste. I bought them both a year ago and they did ok last year, but the hot weather made them dormant for a couple months in summer. In the ground, they'll be more insulated, and should produce and grow through the summer. My only concern is enough sunlight. I have to put them next to a fairly tall fence, which will shade them but for a few months in summer when the sun is directly overhead.
Education is extremely important.
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Before I got my first job, I had an allowance of $6 a week to cover the cost of lunch and incidentals at school. I never took a bus - walking 3 miles to/from school. I remember spending 26 cents a day for lunch - which consisted of 2 cartons of chocolate milk (3 cents each), a Little Debbie chocolate brownie (10 cents) and a small bag of pretzels (10 cents). That way, I was clearing over $4 a week of savings.
In college, I worked for a sleep laboratory - and didn't have an apartment or dorm. When I slept, I slept in an office on the floor in a sleeping bag so I didn't have any rent expense. I microwaved food in the cafeteria and stored food in a refrigerator that was used to store dead rats from the animal lab. At one point I was working 3 jobs while in school - sleep lab, deli worker on weekends and testing service - but I was always working.
When I graduated college, I had no debt and actually saved almost 10 grand - enough for a 20% down payment a house that I bought at 24.
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Before I got my first job, I had an allowance of $6 a week to cover the cost of lunch and incidentals at school. I never took a bus - walking 3 miles to/from school. I remember spending 26 cents a day for lunch - which consisted of 2 cartons of chocolate milk (3 cents each), a Little Debbie chocolate brownie (10 cents) and a small bag of pretzels (10 cents). That way, I was clearing over $4 a week of savings.
In college, I worked for a sleep laboratory - and didn't have an apartment or dorm. When I slept, I slept in an office on the floor in a sleeping bag so I didn't have any rent expense. I microwaved food in the cafeteria and stored food in a refrigerator that was used to store dead rats from the animal lab. At one point I was working 3 jobs while in school - sleep lab, deli worker on weekends and testing service - but I was always working.
When I graduated college, I had no debt and actually saved almost 10 grand - enough for a 20% down payment a house that I bought at 24.
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I just planted my potted Violette de Bordeaux fig tree in my side yard yesterday. I'm not sure it'll get enough sun. I'll plant one more soon, a Celeste. I bought them both a year ago and they did ok last year, but the hot weather made them dormant for a couple months in summer. In the ground, they'll be more insulated, and should produce and grow through the summer. My only concern is enough sunlight. I have to put them next to a fairly tall fence, which will shade them but for a few months in summer when the sun is directly overhead.
@Horace said in Rejecting Ramsey:
I just planted my potted Violette de Bordeaux fig tree in my side yard yesterday. I'm not sure it'll get enough sun. I'll plant one more soon, a Celeste. I bought them both a year ago and they did ok last year, but the hot weather made them dormant for a couple months in summer. In the ground, they'll be more insulated, and should produce and grow through the summer. My only concern is enough sunlight. I have to put them next to a fairly tall fence, which will shade them but for a few months in summer when the sun is directly overhead.
Mayhaws and apples are blooming right now. Pears and plums are just starting to show a smidgen. Figs aren't budded at all.
