Memes circulating with this dude right now, even if positioning him as a chud, are a way to launder this dude as just a legit money guy. Sure, he has some basic, broad financial advice you can consider if you can see through all the Jesus and have no other options, but more than anything else, he's a vile human being.

Eat religious shit dave ramsey.

It drives me crazy when i get spam that says they can save me money on my car insurance

O rly? How you gonna beat $0?

I have never owned a car that did not already belong to 2 family members prior. Surprisingly, I have yet to be kicked down the social ladder and sweep dung for a living.

Also, used cars are like 3000€ here. I have no idea of used cars, but at some point having them be serviced every year should be cheaper than monthly payments, right?

sure, maybe. but FUCK Dave Ramsey.

I've never understood buying a car on credit. My car's 17 years old now. Bought it when it was 8 years old. Insurance is €390/yr.

That's really exorbitant insurance. I don't know where he lives or what is situation is but $350 a month is insane.

Dave Ramsey is a hack.

Spoken like someone who's long since stopped worrying about having to commute without mass transit available.

If mass transit is available and reasonable then yeah, go off. But otherwise please stop blaming the victims of Capitalism.

What commonly goes unsaid in these conversations of insurance cost is the immediate disputes that occur with the provider.

Why am I paying tens of thousands a year to engage in an argument when making a claim?

In this land of legalised extortion in the form of insurance my friend who is in his mid 30s and been driving over a decade with no claims has to pay £700 per month.

My mum wanted to add my sister (again mid thirties and driving for nearly 20 years now with no claims) to her policy so she could borrow her car for a week and then maybe use the car once a month if that and they wanted an additional £1000 a month for the privaledge.

Fucking scum.

I had no idea my insurance is so much. But it is a lot. If I think about it I'll get angry.

You can take defensive driving courses to lower it though.

Assuming you begin investing at the age of 20 and invest $554 per month for 45 years at a 6% growth rate, you would yield 1.4 million. Definitely not MILLIONS.

Millions? I don't think so. There is no investment that would turn $30K or whatever into millions that was safe enough to work for the majority of people. But it would be a significant help.

That being said, for most people, the amount you'd spend to live in a place where a car isn't needed or constantly paying for ride share or taxis greatly exceeds the amount you'd save by not having a car for the vast majority of people, and that's not even getting into the ableism issue.

And sure we could get into buying a cheaper, used car or whatever, but in the long term the maintenance costs, having to buy another car sooner, and other financial risks to cars outside of warrantee over a lifetime will add up similarly unless you're really lucky or can repair your own cars.

some people care DEEPLY about what kind of car everyone drives. that's literally why overpriced cars even exist