>>>My objection to Dave Ramsey is that he tells working people that their financial difficulties are their fault and only their fault.
:::Much of the time (maybe most of the time?) they are!
>>>He doesn't acknowledge the 33 years of wage stagnation (with a break in the 90's) for the middle class. (Wage stagnation should be a familiar concept to most of you in the radio business.)
:::Sorry, but that's a load of horse doo-doo. The typical middle class person in America has 3 TV sets, 2 car payments, a too-high mortgage, maybe an unpaid-for above-ground pool in the backyard, cell phone bills, ipods for the kids, etc. etc.
As Ramsey would say: They spend what they don't have...before they have it. In the process, keeping themselves behind the financial eight-ball. They -- quite typically -- have no one to blame but themselves.
>>>Alabama's Amendment One, which would have shifted some of the burden of regressive state taxes from the poorer to the better off.
:::Oh. So it's my fault that you never made the big bucks in radio?? Come on...
>>>>He also opposed an income tax in Tennessee. Both states tax the snot out of sales, including groceries, meaning poor people pay four times the percentage of their income on taxes as do the wealthy.
:::See above.
>>>>Both states are also bottom of the barrel in education
::::Very often, that's the fault of parents who have little to do with the hands-on of educating their kids. Too busy, I guess, having kids too early -- kids they can't afford so early in their lives.
>>>>No matter what Ramsey says, a two-paycheck household in most of the markets where his show dominates in the ratings cannot "save" their way to prosperity. And all the while they're scrimping and saving, the rich are buying more opportunities (travel, admission to higher-tier colleges with alumni networks,etc.) that ensure that their children will widen the gap. A study that just came out says it takes at least five generations in America to get from poverty to the upper percentiles. It takes a lot less in most other Western countries.
::
overy is real. I hear you. But I thought the subject was the middle class -- and whether they shoot themselves in the foot financially by profligate spending spending spending!
>>>I'd say that the definition of urinating money away for a working person would be buying anything with "Financial Peace" in the title.
It's clear you haven't read the book. Buy Ramsey's package for $139.00. It'll be the best thing you've ever done for your bottom line...and you just may find yourself with less time for your "woe is me" attitude.
