I’d say Dave Ramsey’s stance on moat money issues doesn’t seem to be politically or religiously motivated. As far as I know, “spend less than you make” is a pretty universally accepted mathematical formula for not going into (or deeper into) debt.
His big thing he is against is the idea that people feel they are entitled to a certain lifestyle at the expense of debt. He generally recommends paying for things with cash and not using credit cards. I’ve even heard that he recommends saving and buying a house with cash if you can, but that’s difficult for most people. I sure am glad I bought my house with a loan instead of paying rent for another few decades while trying to save up.
He is bigtime against buying cars with credit or payment programs. Everybody says “well I want something that’s reliable.” Honestly, every car I’ve purchased has been used and they’ve all lasted several years. I even bought a car for $1,500 once and it lasted me longer than any other car I’ve owned.
I tend to agree with you
@MiketheGrinder about building your savings first. It’s true that if something happened to your income, continuing to be able to pay off your debt is critical. Now, if you are debt free, thst’s one thing, but most people at least owe on their house. And six months is enough time to find another job without serious pressure. If you only had one month of savings or less, a loss of a job is suddenly full panic mode where you are taking the first job you are offered.
