Dave Ramsey has millions of followers who swear by his money advice, but does his one size fits all approach actually help or hurt? In today’s episode I’m breaking down the full picture––what he gets right, where his advice becomes harmful, and why so many people feel shame, fear, or financial stagnation after following his rigid frameworks. From emergency funds and credit cards to retirement timing, debt payoff, and the systemic barriers Ramsey ignores, I’m diving into the nuance he refuses to acknowledge—so you can take the helpful parts and leave the rest behind. If you’ve ever struggled to explain why Dave Ramsey isn’t your financial cup of tea, save this episode.

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00:00 Intro

01:59 Dave Ramsey’s “Baby Steps” framework

02:56 Dave Ramsey’s appeal

03:17 Lack of nuance and ignoring systemic issues

04:04 What Dave Ramsey gets right 

07:10  Major problems with Ramsey’s advice

07:37 $1,000 emergency fund is too low

09:36  “All debt is bad” is harmful and misleading

10:45 The 7% rule: When to pay off debt vs. invest

11:20 Unrealistic mortgage and home-buying advice

12:20 Why rigid rules are easier to sell, but less helpful

13:28 The role of shame and discipline

15:32 Use of Christianity and morality in marketing

16:47 Advice on combining finances in marriage

18:21 Lawsuits and toxic workplace allegations

21:48 Out-of-touch advice on childcare

22:45 How to use Ramsey’s advice mindfully

24:36 Systemic oppression in personal finance

25:44 Credit scores and credit cards

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