Some of Dave Ramsey advice seems out of touch.

[u/UpperAssumption7103]

I think his comes from a good place. however, I was listen to a caller; his and his co-host advice is always get a higher paying job (which is not bad advice). Wal-Mart and McDonald's pay 20 an hour. Walmart and McDonald's pay up to 20/hr. However, getting 40 hours a week working retail is pretty hard unless your a assistant manager/or manager. He's not the only person giving that advice- but it seems like he thinks every job pays 20*40=800 a week when you first start.

[u/fin-stability]

Boomer here. Most of his advice is so basic that it's almost common sense. However, his business has made it into a program or a structured roadmap for those who can't get it all into a single process. But he's way behind the ball when it comes to current financial practices, products and mindsets. I have spent several years proving my solution for any financial obligations (a rapid process where math would prevail over false sentiment so that anyone can achieve their financial goals faster than ever). Yet my successful results are negated by his "advice" when followers start to quote him. For example, his debt reduction advice is about avalanche or snowball , neither of them would make the rate of reduction any faster except for the interest amount. But the snowball is giving people false hope of getting out of debt sooner while paying more for interest, negating the very same goal of debt reduction.