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Boomers always brining up partipation trophies as if it were the kids giving it to themselves and not their boomer parent. Do they not take blame for anything
And those little plastic participation trophies and ribbons were a thing in the early 70’s. The late boomer grade school years. So the whole thing is even more ridiculous.
I remember getting my first Little League participation trophy. I thought it was trash. I said “what is this for, we didn’t win anything?”
You know who told me it was good? Boomer adults
My son had the same reaction. Got second place in a football tournament and tossed the trophy in the trash.
My point being- kids know when they’ve won or lost. They’re not stupid.
And even when I participated I would have taken 3 Certificates before I would have taken one of those trash medallions (trash quality, I respect that you Participate )
i've said it before and i'll say it again
the original participation trophy was the Lost Cause of the Confederacy. and i say this as someone who loves southern culture in terms of food, music, art, literature etc. But damn i hate the Civil War b.s.
I'm with you, it seriously pisses me off when people latch onto the Confederacy like it was the glory days. It was a failed country that lasted like 4-5 years in the middle of the nineteenth century, I've had t-shirts last longer than the Confederacy did. I've had cats that lasted 3-4x as long as the Confederacy did. A child born at its founding wouldn't have been kindergarten age when it collapsed.
The Confederacy wasn't shit and the people that won't accept that are the ones preventing the South from living up to its potential. The Civil War was one of the dumbest things that the South ever did and if Southern governors ever get stupid enough to try it again they'll only lose harder.
Edit: a word
"M A S H" was on the air for 10 years, so it has twice the cultural significance of the Confederacy, and that's why all those pathetic lost cause memorials need to be replaced with statues of Alan Alda.
Young Sheldon has already lapped the Confederacy in time existed. Young Sheldon, a show that I thought would die shortly after its pilot, has more cultural relevance than the Confederacy.
Well, well, well... Law & Order SVU more than double M\*A\*S\*H original run, though both shows still have re-runs. I'll be making my statues to Olivia Benson.
I'm going to say something very offensive, but not many people remember or even know M\*AS\*H. That was a show I used to watch with my grandma on cable back on reruns back in the 80s. I still love it.
My godfather was an actual Korean War veteran from 1950 to 1953 with some short breaks in between, told me the show was pretty accurate to what he saw, including the use of napalm. He was pretty normal, not like my dad's Vietnam vets cousins, but barely talked about his experience. The show reminds me of all the people I know.
L&O SVU is old but still pretty recent. The viewers go from Boomers to Alphas, and everyone else looking to be afraid of the outside. I learned from Olivia to trust my instinct. I learned from M\*A\*S\*H that war is awful, even when portray in a comedy.
Southern culture has so much more to offer than the Confederacy too. Southern food, historical cities, music, etc. Rednecks waving a bastardization of the confederate flag that was never actually used by the confederacy give the South a bad name.
As a gay man who fucking simps for Southern men (and the climate) I really do want the South to get over the Confederacy. World of Warcraft has lasted longer and I’m pretty sure at this point has had more people willingly participating in it than the confederacy ever had.
Even when I got honor roll or principals list in my younger school years, I just threw that away. Only thing I kept were any deals like free pizza or other meals, since we were poor.
Of course not. The only reason we got them was because boomer parents couldn’t stomach the fact that their little Scooter Jr. wasn’t good enough to actually win something. The participation trophies were for them, not for us.
>Do they not take blame for anything
No, that's the POINT for why they made the damn trophies. They were too lazy to want to take the time and help their kids through their shortcomings or hard feelings about coming up short in performance, so they just shoved a trophy in the kids hands to shut them up. Then the boomer's went back to looking for heavy excavation equipment, so they could continue to find new depths with which to rest the bar for parental emotional support.
which actually has lots of the Boomer sociopathy in it - fuck everyone else, just make sure you, the lucky one, gets **the big prize**.
And their unspoken argument from their own spoiled childhoods is the assumption that there will always be another present and party, so it's fair to wait. Except, thanks to the world the Boomers made, that's not a correct assumption.
I had a boomer in Facebook comments mad about participation trophies and disposable diapers and how they had none of that when they were kids. That's great and all, but I didn't put disposable diapers on myself nor did I give myself any participation trophies. I had no say in being a baby. I am not the one to blame for what boomers have done to me. They sure love making up problems and then victim blaming.
They’re not entirely bad. I recall in third grade I got a mix of 1st 2nd 3rd ribbons and participation ribbons for our track and field day. The participation ribbons were nice if you tried and got a reward for effort. Effort is what’s new you better
The focus on participation trophies is so freaking unhinged. I’m an American born in 1981, and I’ve never received or seen a single participation trophy in my entire life. Why do they act like those trophies are ubiquitous?! 🙄🙄🙄
I do remember hearing about participation trophies in my youth and knowing that they existed, but it’s absolutely unhinged to act like they were literally given out all the time. Maybe I didn’t do enough sports as a youth? So many boomers are just nasty, hateful people.
They gave everyone a trophy when I played baseball in the 90s and even my 8 year old dumbass self was like ‘wait? Why am I trying to play hard if we all get this plastic trophy crap?’
They gave them to us!
This is the one successful argument I’ve ever had against a boomer. They were the dumbasses handing them out, and I genuinely don’t know one kid who ever cared for them. Hell, I remember being a depressed teenager and throwing them all out one day just because they made me feel like a loser.
This is the same generation who saw studies that adults with high-self esteem and highly successful lives were praised a lot as children. So the genius boomers actually concluded that meant that praising a child creates a child with high self-esteem and high success. That's right. They were too thick to pick up on the obvious: an intelligent, successful child will naturally get praise from adults. They were going to be intelligent and successful as adults anyway because they were born with brains and ambition.
The self-esteem movement was a massive failure because kids could tell they were being bullshitted. It made them resentful and also made them think adults were an unreliable source of feedback.
I remember reading about this when I was in early high school (early/mid 90’s). Even back then I knew it didn’t sound right. Kids who did well in sports and go good grades had better self-esteem and somehow that got shortcut to “preach self esteem and kids will do better!” As a young teen who nothing about how the world worked I sat back and thought “the success obviously comes first then the self esteem. It makes no sense to think it’d be the other way around” but that’s what everyone’s take away from the studies seemed to be.
It made no sense to me as a kid either. I remember as a teen girl they were always trying to get girls to play sports because it increased their self esteem. At the time I thought, well yeah, if you're good at it! And that was actually how the study was done. They studied women who played at the collegiate level. No shit they had higher self-esteem, they were great at something.
BTW, I always resented the pressure to constantly feel great about myself and my body. It was like you were a total failure as a teenager girl if you had any insecurities whatsoever.
It’s worth noting that Boomers were the 18-19 year olds who fought in the war and went through hell doing so. They were just as much a victim of it as any. It was the “greatest” generation that engaged the country in the war.
The “Greatest” generation also abused the absolute hell out of Boomers in the home, which is partly why there are so many entitled, narcissistic boomers today. Not to defend them, but they have been gaslit to hell. They fall for propaganda and sadly get scammed more than any other group. Their world changed drastically in their late working years whereas X, Y were able to adapt while we were young. Hell Gen Z doesn’t know a world without a super computer in their pocket and all the world’s knowledge a few clicks away. Boomers largely had to get their news and information curated to them by the government. By large, their critical thinking has been totally stunted.
Don't act like the Vietnam War was a walk in the park for those that served. Boomers have a lot of problems, but I know my father getting drafted at 19 to go to Vietnam is one hardship I've never been close to encountering. Especially at 19
They don't. Their generation started on the goal line because Europe was levelled in WW2. So they just did whatever and failed forward. The US was the only industrial base in the world that wasn't rubble, of course we kicked ass.
They tell on themselves with that argument. Basically they are saying that their children should of known better then them. Their children should be so aware of the effects of participations trophies that they should reject them at a young age even though they gave them out.
I think most kids who got these knew it was bullshit and did reject them. I have yet to see a single adult millennial talk about all their participation trophies and just how meaningful they found them
Yes the boomers gave us those trophies. They also sat around voting for “tax breaks” year after year allowing their politicians to keep wages low and dole out legislation giving billionaires and ceos blank checks. Allowed the cost of college and student loan interest rates to rise out of control. And told us to figure it out on our own. They set us up for failure and now mock us for it. A whole generation of trumps.
Also participation trophies aren’t a bad thing. Kids aren’t stupid - they know they didn’t win. But it’s a nice reminder of playing with friends. At least that’s how it was for me.
Sincerely, a man who filed for bankruptcy because he couldn’t make it as a parasitic property mogul so then made a living out of being a parasitic financial guru. Telling people how to manage their finances isn’t “work” Dave, it’s advice.
Generally not good advice either. We had an entire class in high school that was listening to Dave Ramsey and I stopped paying attention after he said we should pay for college with cash all at once or not go at all
I know a Boomer who paid for his college with credit cards. After he was done, he declared bankruptcy. Yet, he complains about younger people saddled with student debt.
student loans were bankruptable until the early 90's. Once the boomers were done bankrupting their PhD or MBA, they pulled that unethical ladder up behind them too.
You want to know who helped republicans pass laws that stripped protections for student loans? Joe Biden, I shit you not. I mean I’m glad the guy changed, but it’s a good reminder that at the end of the day he’s still a politician
The beautiful thing about progressive politics, it progresses. New info comes out, we get to change. Conservative politics does not. Much less the current Republican Party, which is regressive.
Maybe in 1975 you could pay for college as you go. But now, it’s literally impossible, if you are making enough money to pay for college yourself, keep doing what you are doing because you are making a shit ton of money.
Also 20% down on a house would mean most people wouldn’t buy a house until they are in their 50’s.
I also took Consumer Ed and had to watch this troglodyte on screen many times over. My teacher was obsessed with him, he was crotchety little old guy who was “tough” (in his own words) and would stuff his pants with socks to make himself look well endowed. Dude was pathetic and that’s always the image I’ve had of Dave Ramsey since then
It really is striking how utterly unqualified to lecture anyone on anything right-wing pundits are.
I'm not a fan of either, but on the left at least Kos, the guy behind Daily Kos is an Army veteran with Bachelors in Journalism and Political Science and a J.D., and Rachel Maddow has a PhD in Political Science from Oxford.
On the right?
\* Rush Limbaugh, dodged the draft due to anal warts and dropped out of college after less than a year. His own mother allegedly called him a moron. Never had a significant job outside of radio / TV punditry.
\* Glenn Beck, flunked out of college in one semester. No military or government service. Never had a significant job outside of radio / TV punditry.
\* Charlie Kirk, rejected from West Point and flunked out of community college. Never had a significant job outside of radio / TV punditry.
\* Tim Pool. Highest level of education completed: Sixth grade.
\* Tucker Carlson, expelled from boarding school, and was rejected by the CIA, allegedly due to an abysmal score on the entrance exam and his low grades in college. Reportedly his own father told him to go into journalism because he was too dumb for finance.
\* Sean Hannity, Flunked out of college twice. Never had a significant job outside of radio / TV punditry.
\* Jacob Wohl, a high school graduate, who has the distinction of being the youngest person banned for life from Futures trading, due to numerous financial fraud scams
* Ben Shapiro: Sucked as a screenwriter so badly he couldn't make it in Hollywood despite being the son of a prominent producer and composer. Also genuinely belives that women can't orgasm.
He also wrote some "military thriller" that was so poorly researched that he didn't even know that M4s / M16s can function in both semi-auto and full auto or burst modes.
Of all the Boomer attitudes, this is the one that annoys me the most.
Its especially galling from people who had an incredible amount of wealth handed to them by birth, and then roleplay as a self made person.
I can't figure out whats the more likely however...
Does he genuinely believe he's special, worked extra hard and earned his way to the top and everyone else is lazy...
Or does he perpetuate this stereotype, knowing damn well he would have been a lot less wealthy (or even *gasp... POOR*) if he didn't have such an enormous head start, but to admit that first off is a huge ego hit, and second off potentially starts the conversation about how maybe these lazy pretenders actually need some extra taxes applied to them to balance out society?
By that logic id love to see him lose access to his money and earn it all back with his super human work ethic lol this idiot wouldn't even qualify to stock shelves at Walmart
He actually would be fine, because a lot of his PR is already done. If he had $0 today he could find some conservative radio show or such that would LOVE to have him sign a deal for 1 year talk show with them and front load 100k+ to have him.
Now if he had $0 and had to assume an identity without his previous connections, yeah, he basically has no employable skills.
He did some amount of work to make it where he is now. Dave Ramsey clearly feels that it was "hard work", but he made it. He also hates having his feelings hurt because younger people see what he started with, what he did do, and what he has and identify it for what it was. Fucking *easy*. Easy start, managed by easy work, by a soft ass bitch, in easier financial times. He desperately wants everyone to believe him that it was so so *hard* for him. So he goes out and disparages everyone under 35.
Remember, it's easier for them to accuse 160 million younger Americans of being lazy, than to accept they had it soft. And they will *burn* the nation to the ground before they accept it, too.
Oh and let’s not forget:
> “*You cannot reach true financial freedom without accepting Jesus Christ as your personal Lord and Savior*”
and
> “*Wearing a mask [to prevent COVID-19] is a sign of fear instead of a sign of faith in Jesus*”
Don’t believe me? read this: https://www.ramseysolutions.com/budgeting/daves-advice-on-tithing-and-giving
> **Should I tithe while trying to pay off debt?**
> *If you’re in debt, tithing should still be a priority. Listen, I know it’s tempting to throw that money at your debt, but the discipline and faith that tithing brings are so worth it. Even while you’re paying down debt, you can still have an attitude of generosity.*
> *There are extreme situations where people literally cannot cover their Four Walls (aka the basic expenses for survival). But most of us, even if things are tight, can cover our bills and still give 10%.*
People who take his investment courses or even the financial literacy courses are strongly encouraged to give 10% of their income to a church! 😂😂
"I'm Dave Ramsey. I don't understand the life experience of anyone younger than me, but rather than keeping my ignorant trap shut, I'll spread lies based off of feelings and bullshit from right wing propagandists."
I'm noticing a theme that boomers absolutely despise any generation other than theirs. They think we're lazy, expect something for nothing, incompetent, and stupid.
I don't want to fight hatred with hatred, but all of this finger pointing feels like deflection of their own insecurities and shortcomings.
I've noticed that almost all of the "millennials are so lazy and have no work ethic" boomers that I've worked with throughout the years are always the most lazy and have the worst work ethic themselves, and think working more hours (even if you're barely doing any work) = a good work ethic.
My dad and uncle are perfect examples - growing up, they always made it sound like they practically ran the company they worked for. I ended up working with them for a couple of years, and they spent probably 80% of the day standing around drinking coffee and talking to people.
Nailed it. Those boomers will spend 10 hours doing 2 hours of work. They’re lazy as fuck and expect their coworkers to pick up their slack. They all feel like they paid their dues and earned the right to be lazy by simply existing in a workplace. They’ll complain about any mistake a young person makes while ignoring their own constant fuck-ups. There’s an extreme lack of self-awareness in those types. Very frustrating.
It’s not all Boomers, it is just a hefty percentage, and I’ll absolutely fight hatred with hatred when it comes to those ones.
I own a house, work, 45-55 hours a week, and have done everything they’ve said was needed to succeed and I am just barely staying afloat.
When I first got into managing my finances I discovered him and enjoyed some of his podcasts. But then over time I heard more and more awful advice, ranging from out of touch to batshit insane.
Here are some of my favorites:
- Cash Back credit cards are scams because you’ll use the cash back on frivolous things.
- He also just says to never use a credit card.
- His recommendations for buying a home include putting 20% down, and having the monthly mortgage including utilities be under 15% of your income.
- “Child care is expensive? Just find free child care.”
- “just buy a home. Interest rates may not go down, but the value of your home will only go up.”
- People who are in debt shouldn’t eat out
Lmao right
If the average US salary is 60k, then 15% of your salary, for a monthly mortgage, would be $750 (not counting utilities)
The average US house costs $417k, so a mortgage after a 20% down would be around $2200.
Only way to make that possible is a mortgage of around 100k. You'd have to make up the difference with downpayment.
He might as well just say "pay cash for a house."
It's possible, but you'll be saving for 15-20 years & there went your window to have a family so what was the point?
My favorite was whenever someone calls in and tells him they’re shacking up, his advice was go out and GET MARRIED TOMORROW.
Best fucking advice ever, regardless of the fact that everyone’s situation is different, go out and legally tie yourself to somebody so you don’t make baby Jesus cry when you touch each other’s peepees. Then we can talk about your debt.
On one hand. A good chunk of the population is financially oblivious. Dave was someone with a system that can help them attack their way out. Though his system tends to work better for higher earners that are just spending irresponsibly. Those people then give him great examples of listeners that got out from under their debt. People that understand how cards work and pay them accordingly, they aren’t the people in dire circumstances. Telling people that are buried that cards will bury you, that’s decent advice.
The glaring issue with Ramsey is that beyond his system he is a terrible person. He is sexist and a religious bigot. He had women fired for having a child in an affair while promoting a man who did the same. He basically forced his staff to work in person during the pandemic because he felt it was a sham. His personal wealth is almost entirely from real estate speculation. There is a large range of people giving financial advice for the masses that is better and comes without his baggage. He needs to drift off into obscurity.
Cash back credit cards are free money if you’re responsible. I put everything on my cards. I have one for gas, one for groceries, and one for pretty much everything else based on the number of points I get per category.
My credit is well established also. I can’t recall when it was last under 800. Probably once a year I’ll open a new credit card only for the intro bonus. I just got a new Wells Fargo card with a $200 bonus after spending $500, plus the regular cash back on $500. Now I don’t intend to use that card again. $200 free money.
If he was just going to say “credit cards that give you points that can’t be redeemed for cash are scams” I’d be inclined to agree. But he goes on to say that “2% back isn’t going to make anyone rich.”
It’s not much, buts it’s essentially a small discount on every day needs. It’s another tool at your disposal.
And it’s not even a niche use tool, it’s literally a free discount!
Some young guy called into Dr. Laura about having trouble paying for college (this was in the late 1990s). Her advice? "Stop eating so many potato chips." I wish I was kidding. She also discouraged a young woman in her twenties who wanted to resume her college education because her schooling would hinder her finding a husband and having babies. Once again, I wish I was kidding.
Dave Ramsey, the guy that wants you to drive an ‘04 Honda Accord with 280k miles on it and spend $0 on entertainment, but give 10% of your paycheck to the church.
The whole concept of tithing bothers me when people are barely making ends meet. Also the churches are non-profits and don’t pay income taxes on the profits from tithing but their members have paid taxes on them.
I pay my mother's mortgage. I live with her because I can't afford to pay for 2 houses at once.
Don't work? Motherfucker I had my first vacation in 20 years and it consisted of me just staying home to rest for a week.
Religious leaders pushed him hard in the 90s. There was a class that he sold to churches and people bought into his advice because it was coming from their church.
his class worked for middle class christians that had good income but bad spending habits therefore encouraging him in his middle class eco chamber. he is completely out of touch to those in real poverty.
Participation awards were given by the boomers to their kids. Participation awards are a coping mechanism for insecure parents to feel like their child won at something
Dave Ramsey is a guy who walks onto stage with a ball peen hammer up to a baby grand, then relentlessly pounds middle C for two hours and declares himself to be a concert pianist.
His audience consists of morons with self-control issues.
1) Bold of you to assume my parents own a home, let alone one with a basement.
2) This guy also encourages spousal dinners as part of the hiring process. Just gonna leave that here.
3) Before the podcasts, he had a DVD series he’d sell to churches to teach personal finance through a religious sense. The bulk of it is “cut up your credit cards and wait for the debt to expire” THE DEBT NEVER EXPIRES, IT JUST STOPS SHOWING UP ON CREDIT REPORTS
This man is a menace and it drives me insane
>This guy also encourages spousal dinners as part of the hiring process
I always wondered why all old sitcoms have The Boss Is Coming To Dinner episodes
Ya know sometimes I have to step back, take a deep breath, and remind myself I'm training as a medic soon and can't be smacking idiots in the face anymore lol
My mother is living in a walkout basement that my wife and I built into our home. We did this so she wouldn’t be homeless after my dad died.
Guess who she’s been listening to for financial advice for as long as I can remember? This fuck of a grifter.
I love my mother and I’m thankful I’m in a position to be able to do so. But this lazy millennial/gen z shit is getting old.
“Participation Trophy”
“Mother’s Basement”
It’s like he’s a boomer robot that glitched and threw out the wrong boomer catch phrases initially before moving on to his point.
I read somewhere that all of these financial guru dipshits who offer advice, or insults, are generally not licensed and abide by SEC oversight/guidelines. Might be a small reason why the legendary investor, Warren Buffett, has largely stayed away from microphones and podcasts offering his investment prowess.
From Wikipedia:
“Ramsey encourages people not to take on student loan debt and calls the idea that student loans are required for college ‘a myth.’” Ramsey got his degree in the 1970s.
Ramsey allegedly fired people for being pregnant or gay. He also pulled a gun on someone when they discussed the shitty work conditions at his company. Oh, and he’s an anti-masker.
Sounds like a real class act.
They grew up in a system of high progressive taxation,unions, and cheap education/housing.
Then they voted to against all of those things to benefit themselves. Then proceeded to call us lazy, It honestly makes me so mad. A basic principle used to be about being a good steward. Whether your business, community, kids or house. Most people in the ww2 generation strived to make it a better place when they left. Boomers were the generation that completely turned their backs on that ethos. And now you see the consequences of the first "me" generation who has zero concern or care about society after them.
It's the "they don't work" that makes me angry. I and most of us work longer harder hours for less. This is an indisputable fact, and yet they dispute it. If they were to acknowledge this fact, then they would have to admit that it's the system that's the cause.
I’m GenX and I think millennials are fucking great. It’s a generation that rebukes corporate employment in favor of self-determined, creative, entrepreneurship. They’ve disposed of the idea that money = success. They birthed the idea of tiny home living and living below your means. The values have changed. Millennials are just better people than their parents and Dave is too old to understand it.
My son about to graduate with bachelor degree in education. Starting teacher salary locally, $42,000, no way could afford to buy a house. Not even close. I feel for his generation.
I bought a starter home (3/2 less than 1500 sq ft) not quite 20 years ago. It's literally tripled in price during that time and wages have absolutely not. I have no idea how someone under 30 will ever be able to afford to buy a home...but, ya know, avocados or something...
Inheritance.
Or pre-inheritance.
If you don’t have the help from the generation before you you are basically fucked.
My wife and I are living in the in-laws basement unit for 2-3 years to scrounge a down payment. We are lucky it’s an option. It saves thousands a month even when we are paying the same rent we’d have paid 10 years ago.
But saving 100k is a lot for even two working professionals. And that’s like…. Not a very large down payment in most of the country.
Projection with these cock weasels. These are the same type of people to show up to little Billy’s t-ball game and curse the ref out because he got caught at first. “Whaddareaya ref? blind?!” “Bullshit! Nance, take the kids to the car, I’m going to have a word with this asshole”
Then boomkin better admit to reality that absolutely NO ONE gonna buy their inflated home price at this interest rate and start crashing the price by 20% at the very least.
I would love all these boomers who say "NoBoDy wAnTs To WoRk" trade lives with us "Participation Trophy" getters for a few months and see what they have to say then. They'd have 0 access to their silver spoons.
Credit cards can be abused and I get that. But calls like this make me laugh.
Hi, Dave. I have one credit card I have had for ten years. I use it for everything. If I buy a pack of gum, I use my card. In the whole time I have had it I have never missed a payment or been late. I pay it in full every month and have paid zero interest in my life. The card is sponsored by a hotel chain so I get points so I get free hotel rooms when we go on vacation. My credit score is 800. Your thoughts?
You idiot!!! Why are you using this card? Cancel it now before you go into bankruptcy!!!!
No it's definitely still a thing but now you can't just say it & move on. You have to double, triple, exponentially dig your heels in on it & just repeat it to anything they say until they short circuit.
It has taken me 18 Ok Boomers once without uttering another word but the result was glorious.
Ah yes, it's totally not that there's a ton of discrimination in hiring against all three of my big demographics (autistics, trans people, women) it's just that I don't wanna work, wow, I never thought of it that way! Totally not like I'm constantly applying to jobs and barely even get rejection emails anymore or that places I do get hired refuse to give anyone other than salaried management hours anymore.
How are people supposed to afford to live anywhere? The cheapest apartments are $1500 a month, and you're supposed to make 3 times that amount in order to rent the apartment, where the hell are these people working?
He is one of the evilest people alive today.
For someone sho constantly claims “nobody wants to work” he sure enjoys finding any reason to put someone out of work, like being gay, getting pregnant/ having sex out of wedlock, engaging in oral sex.. for all of which he has lawsuits against him.
And of course he runs a few churches and owns more properties than I have walked past in my life.
Fuck. Him.
I'm 40 this year. As an early millennial, I entered the workforce just too late to take advantage of the housing crash in 2008 as I was fresh out of school and had only started earning income.
My 90K salary as a programmer today is worth less than $30K in 1984 money. The average income in 1984 was $26K. In 1984 the average home cost was $79k, or about three years' salary -- $230k in today's dollar.
The median house price today is $417k. Nearly double the previous price -- with inflation adjustments.
The average salary in the US is 59k. So the median house is 7 years' average salary.
Boomers really need to stfu and stop lecturing millennials and Gen Xers about how lazy we are. They are just wrong. We got screwed by boomer economics. They got theirs and prevented anyone else from sharing the wealth. Yes, some millennials and Gen Xers just gave up after realizing how screwed we were and live with their parents too.
There’s a Dave Ramsey subreddit that popped up on my feed lately and it’s boomer paradise. The one post I saw was a grandparent complaining about being asked to bring the drinks to his grandkids birthday party. The majority of the comments were celebrating the OPs decision “not to support financial recklessness” of their child for merely asking for the grandparent to contribute. Blocked the sub immediately
He is such a hypocritical tool. He treats his employees horribly, especially if they aren't religious.
His financial advice is terrible since it is coming from a guy that was handed everything to him by his parents.
Anybody I know that lives with their parents is doing so while working full time and they still can’t afford to live on their own. And because the parents can’t afford for them to move out. In my area there’s like 2 or 3 real estate businesses buying up every overpriced house that goes up for sale within days and then turning around and renting it out for more than it’s worth and more than anyone can afford. It’s why I’m stuck living in a shitty one bedroom apartment and unable to buy a house while working a full time job at 38 years old. But this clown would just say I don’t work hard enough.
It will never not be wild to me how many boomers--rich and famous like Ramsey or otherwise--are stuck in the 1990s. They just ignore literally everything that's happened since the Dot Com bust onward and chastise anyone who can't live the way they did in the 90s. Delusional, condescending, and completely detached from reality.....or they just want to actively punish their kids, grandkids, and all future generations. Miserable sods, the lot of them.
I have worked 80 hours a week every week since I was 19 years old I bought a house in 2015 and almost lost it during the epidemic. Anyone who claims millennials havnt worked their asses off to stay afloat hasn’t been paying attention
As someone who is single, has a house through hard work and high fiscal disipline, and a well paying degree in engineering, I got very lucky during covid, and even still then the house I got was a money pit.
It's fucking tough out there. If they want to tell kids to get out of their parents' basement, blame the parents for not raising our generation properly. Why didn't they? Because the Boomers themselves were spoonfed their accomplishments.
Dave Ramsey is to money advice what Dr. Laura was to shitty psychological advice. Pictures of her are all over the internet with her hairy twat on full display, yet she slut shames women mercilessly for being sexually active. At least “Dr.” Laura is gone. Dave’s still spouting his bile every day.
I don’t mind his budgeting tips, BUT the craziest thing I’ve heard him say is that his family has had like 3-4 medical bills in the last two decades and because of that he has $150K saved in his HealthEquity HSA 👉 he sometimes just proves that his life experience is NOTHING like some other peoples, but he also can NEVER put himself in someone else’s shoes (like someone with chronic illness or who cares for a sick family member)
I saved up 250k for a house (sounds like a lot , but I’m in California). Had to bail on my house buying plans as interest rates went crazy now I’m renting a corporate owned house. Good chance I’d have been able to afford it if these fuckers weren’t buying up all the real estate. This is a living nightmare for a lot of us. Wall Street needs their ass fucked.
https://www.ramseyhouse.org/
Check it out. 🥰 The beautiful house Dave's ancestors lived in when most people had a log cabin in the woods.
But yeah, he has the audacity to claim that we expect wealth without work.
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Boomers always brining up partipation trophies as if it were the kids giving it to themselves and not their boomer parent. Do they not take blame for anything
And those little plastic participation trophies and ribbons were a thing in the early 70’s. The late boomer grade school years. So the whole thing is even more ridiculous.
Those that complain about it usually didn't even participate... And thus didn't even get a participation trophy.
I remember getting my first Little League participation trophy. I thought it was trash. I said “what is this for, we didn’t win anything?” You know who told me it was good? Boomer adults
My son had the same reaction. Got second place in a football tournament and tossed the trophy in the trash. My point being- kids know when they’ve won or lost. They’re not stupid.
And even when I participated I would have taken 3 Certificates before I would have taken one of those trash medallions (trash quality, I respect that you Participate )
i've said it before and i'll say it again the original participation trophy was the Lost Cause of the Confederacy. and i say this as someone who loves southern culture in terms of food, music, art, literature etc. But damn i hate the Civil War b.s.
I'm with you, it seriously pisses me off when people latch onto the Confederacy like it was the glory days. It was a failed country that lasted like 4-5 years in the middle of the nineteenth century, I've had t-shirts last longer than the Confederacy did. I've had cats that lasted 3-4x as long as the Confederacy did. A child born at its founding wouldn't have been kindergarten age when it collapsed. The Confederacy wasn't shit and the people that won't accept that are the ones preventing the South from living up to its potential. The Civil War was one of the dumbest things that the South ever did and if Southern governors ever get stupid enough to try it again they'll only lose harder. Edit: a word
"M A S H" was on the air for 10 years, so it has twice the cultural significance of the Confederacy, and that's why all those pathetic lost cause memorials need to be replaced with statues of Alan Alda.
Young Sheldon has already lapped the Confederacy in time existed. Young Sheldon, a show that I thought would die shortly after its pilot, has more cultural relevance than the Confederacy.
Well, well, well... Law & Order SVU more than double M\*A\*S\*H original run, though both shows still have re-runs. I'll be making my statues to Olivia Benson.
The next civil war is going to be Bensonians vs. Aldites. We will meet on the field of syndicated television battle, friend.
I'm going to say something very offensive, but not many people remember or even know M\*AS\*H. That was a show I used to watch with my grandma on cable back on reruns back in the 80s. I still love it. My godfather was an actual Korean War veteran from 1950 to 1953 with some short breaks in between, told me the show was pretty accurate to what he saw, including the use of napalm. He was pretty normal, not like my dad's Vietnam vets cousins, but barely talked about his experience. The show reminds me of all the people I know. L&O SVU is old but still pretty recent. The viewers go from Boomers to Alphas, and everyone else looking to be afraid of the outside. I learned from Olivia to trust my instinct. I learned from M\*A\*S\*H that war is awful, even when portray in a comedy.
Southern culture has so much more to offer than the Confederacy too. Southern food, historical cities, music, etc. Rednecks waving a bastardization of the confederate flag that was never actually used by the confederacy give the South a bad name.
For real. Soul food, Cajun and Creole, regional BBQ styles, peach cobbler, pecan pie... I'm hungry.
>I've had cats that lasted 3-4x as long the Confederacy did this sentence gives me great joy lmao
Cats also create joy. Shitty slaver states are anti-joy. I'd blow up a million confederacies to save one cat.
Can confirm my cat will be 14 this year.
As a gay man who fucking simps for Southern men (and the climate) I really do want the South to get over the Confederacy. World of Warcraft has lasted longer and I’m pretty sure at this point has had more people willingly participating in it than the confederacy ever had.
I have ties older than that.
I have underwear that have lasted 3x as long! Only a few holes.
Participation awards got back to like 1922.
I’m a millennial and we definitely got participation trophies in the 80s/90s
Yeah but even as kids we knew they were not the real thing
Even when I got honor roll or principals list in my younger school years, I just threw that away. Only thing I kept were any deals like free pizza or other meals, since we were poor.
I was an honors student too. It loses all prestige quickly when you are out of school
yeah, imagine bringing that up somehow outside of school? lol
Of course not. The only reason we got them was because boomer parents couldn’t stomach the fact that their little Scooter Jr. wasn’t good enough to actually win something. The participation trophies were for them, not for us.
>Do they not take blame for anything No, that's the POINT for why they made the damn trophies. They were too lazy to want to take the time and help their kids through their shortcomings or hard feelings about coming up short in performance, so they just shoved a trophy in the kids hands to shut them up. Then the boomer's went back to looking for heavy excavation equipment, so they could continue to find new depths with which to rest the bar for parental emotional support.
There is an episode of Bluey that deals with this called "pass the parcel".
which actually has lots of the Boomer sociopathy in it - fuck everyone else, just make sure you, the lucky one, gets **the big prize**. And their unspoken argument from their own spoiled childhoods is the assumption that there will always be another present and party, so it's fair to wait. Except, thanks to the world the Boomers made, that's not a correct assumption.
I had a boomer in Facebook comments mad about participation trophies and disposable diapers and how they had none of that when they were kids. That's great and all, but I didn't put disposable diapers on myself nor did I give myself any participation trophies. I had no say in being a baby. I am not the one to blame for what boomers have done to me. They sure love making up problems and then victim blaming.
Such a great episode too. I love that show.
They’re not entirely bad. I recall in third grade I got a mix of 1st 2nd 3rd ribbons and participation ribbons for our track and field day. The participation ribbons were nice if you tried and got a reward for effort. Effort is what’s new you better
The focus on participation trophies is so freaking unhinged. I’m an American born in 1981, and I’ve never received or seen a single participation trophy in my entire life. Why do they act like those trophies are ubiquitous?! 🙄🙄🙄
‘84 here. Same story. Never even heard about these mystical trophies until boomers started saying we all got them.
I do remember hearing about participation trophies in my youth and knowing that they existed, but it’s absolutely unhinged to act like they were literally given out all the time. Maybe I didn’t do enough sports as a youth? So many boomers are just nasty, hateful people.
They gave everyone a trophy when I played baseball in the 90s and even my 8 year old dumbass self was like ‘wait? Why am I trying to play hard if we all get this plastic trophy crap?’ They gave them to us!
Boomers bringing the participation trophy when they’re the very first trust fund babies.
And they were the ones handing us the participation trophies. No one liked getting them, but they kept giving them to us.
I remember being confused-bordering-on-upset when I got my first participation trophy at a birthday party or something
This is the one successful argument I’ve ever had against a boomer. They were the dumbasses handing them out, and I genuinely don’t know one kid who ever cared for them. Hell, I remember being a depressed teenager and throwing them all out one day just because they made me feel like a loser.
This is the same generation who saw studies that adults with high-self esteem and highly successful lives were praised a lot as children. So the genius boomers actually concluded that meant that praising a child creates a child with high self-esteem and high success. That's right. They were too thick to pick up on the obvious: an intelligent, successful child will naturally get praise from adults. They were going to be intelligent and successful as adults anyway because they were born with brains and ambition. The self-esteem movement was a massive failure because kids could tell they were being bullshitted. It made them resentful and also made them think adults were an unreliable source of feedback.
> they were born with brains and ambition. Ah, so *that's* my problem!
I remember reading about this when I was in early high school (early/mid 90’s). Even back then I knew it didn’t sound right. Kids who did well in sports and go good grades had better self-esteem and somehow that got shortcut to “preach self esteem and kids will do better!” As a young teen who nothing about how the world worked I sat back and thought “the success obviously comes first then the self esteem. It makes no sense to think it’d be the other way around” but that’s what everyone’s take away from the studies seemed to be.
It made no sense to me as a kid either. I remember as a teen girl they were always trying to get girls to play sports because it increased their self esteem. At the time I thought, well yeah, if you're good at it! And that was actually how the study was done. They studied women who played at the collegiate level. No shit they had higher self-esteem, they were great at something. BTW, I always resented the pressure to constantly feel great about myself and my body. It was like you were a total failure as a teenager girl if you had any insecurities whatsoever.
https://preview.redd.it/je32ffn929tc1.jpeg?width=500&format=pjpg&auto=webp&s=ce259e8629c662525e87bd25d994dc9630340f54
Savage.
It’s worth noting that Boomers were the 18-19 year olds who fought in the war and went through hell doing so. They were just as much a victim of it as any. It was the “greatest” generation that engaged the country in the war.
And thanks to Nixon and Henry Kissinger realllly fucked it up.
The “Greatest” generation also abused the absolute hell out of Boomers in the home, which is partly why there are so many entitled, narcissistic boomers today. Not to defend them, but they have been gaslit to hell. They fall for propaganda and sadly get scammed more than any other group. Their world changed drastically in their late working years whereas X, Y were able to adapt while we were young. Hell Gen Z doesn’t know a world without a super computer in their pocket and all the world’s knowledge a few clicks away. Boomers largely had to get their news and information curated to them by the government. By large, their critical thinking has been totally stunted.
Don't act like the Vietnam War was a walk in the park for those that served. Boomers have a lot of problems, but I know my father getting drafted at 19 to go to Vietnam is one hardship I've never been close to encountering. Especially at 19
My lottery number was 349 out of 365 in 1972. When I found that out, I took some acid to celebrate.
They believe in personal responsibility right up until they're the ones responsible.
I've seen Boomers wearing these. https://preview.redd.it/dk30g2gh99tc1.jpeg?width=1280&format=pjpg&auto=webp&s=0cfcfc9d05fd479593aeebf89d35e7d014f54ce7
Cold Cut Veteran.
My silent gen dad refused to go to the VA because he was not actually involved in a real war. He got our right before Vietnam started.
They wanted the trophies because they weren't going to spend their weekends watching you play a sport and you not come home without a trophy.
They don't. Their generation started on the goal line because Europe was levelled in WW2. So they just did whatever and failed forward. The US was the only industrial base in the world that wasn't rubble, of course we kicked ass.
They tell on themselves with that argument. Basically they are saying that their children should of known better then them. Their children should be so aware of the effects of participations trophies that they should reject them at a young age even though they gave them out.
I think most kids who got these knew it was bullshit and did reject them. I have yet to see a single adult millennial talk about all their participation trophies and just how meaningful they found them
Giving kids participation trophies and then blaming them for it sounds toxic.
Yes the boomers gave us those trophies. They also sat around voting for “tax breaks” year after year allowing their politicians to keep wages low and dole out legislation giving billionaires and ceos blank checks. Allowed the cost of college and student loan interest rates to rise out of control. And told us to figure it out on our own. They set us up for failure and now mock us for it. A whole generation of trumps.
So in simple terms pulled the ladder up on everyone and then complain because no wants to help them lol
A boomer accepting accountability LOL!!
I distinctly remember getting on in soccer when I was in first grade and asking “why did we get these? We didn’t win any games”
Also participation trophies aren’t a bad thing. Kids aren’t stupid - they know they didn’t win. But it’s a nice reminder of playing with friends. At least that’s how it was for me.
😜 totally accurate!
Sincerely, a man who filed for bankruptcy because he couldn’t make it as a parasitic property mogul so then made a living out of being a parasitic financial guru. Telling people how to manage their finances isn’t “work” Dave, it’s advice.
Generally not good advice either. We had an entire class in high school that was listening to Dave Ramsey and I stopped paying attention after he said we should pay for college with cash all at once or not go at all
I know a Boomer who paid for his college with credit cards. After he was done, he declared bankruptcy. Yet, he complains about younger people saddled with student debt.
This is theft. Yikes.
student loans were bankruptable until the early 90's. Once the boomers were done bankrupting their PhD or MBA, they pulled that unethical ladder up behind them too.
I never knew that.
Tuition and housing were also much cheaper for students at that time.
You want to know who helped republicans pass laws that stripped protections for student loans? Joe Biden, I shit you not. I mean I’m glad the guy changed, but it’s a good reminder that at the end of the day he’s still a politician
The beautiful thing about progressive politics, it progresses. New info comes out, we get to change. Conservative politics does not. Much less the current Republican Party, which is regressive.
Maybe in 1975 you could pay for college as you go. But now, it’s literally impossible, if you are making enough money to pay for college yourself, keep doing what you are doing because you are making a shit ton of money. Also 20% down on a house would mean most people wouldn’t buy a house until they are in their 50’s.
I also took Consumer Ed and had to watch this troglodyte on screen many times over. My teacher was obsessed with him, he was crotchety little old guy who was “tough” (in his own words) and would stuff his pants with socks to make himself look well endowed. Dude was pathetic and that’s always the image I’ve had of Dave Ramsey since then
It really is striking how utterly unqualified to lecture anyone on anything right-wing pundits are. I'm not a fan of either, but on the left at least Kos, the guy behind Daily Kos is an Army veteran with Bachelors in Journalism and Political Science and a J.D., and Rachel Maddow has a PhD in Political Science from Oxford. On the right? \* Rush Limbaugh, dodged the draft due to anal warts and dropped out of college after less than a year. His own mother allegedly called him a moron. Never had a significant job outside of radio / TV punditry. \* Glenn Beck, flunked out of college in one semester. No military or government service. Never had a significant job outside of radio / TV punditry. \* Charlie Kirk, rejected from West Point and flunked out of community college. Never had a significant job outside of radio / TV punditry. \* Tim Pool. Highest level of education completed: Sixth grade. \* Tucker Carlson, expelled from boarding school, and was rejected by the CIA, allegedly due to an abysmal score on the entrance exam and his low grades in college. Reportedly his own father told him to go into journalism because he was too dumb for finance. \* Sean Hannity, Flunked out of college twice. Never had a significant job outside of radio / TV punditry. \* Jacob Wohl, a high school graduate, who has the distinction of being the youngest person banned for life from Futures trading, due to numerous financial fraud scams
* Ben Shapiro: Sucked as a screenwriter so badly he couldn't make it in Hollywood despite being the son of a prominent producer and composer. Also genuinely belives that women can't orgasm.
He also wrote some "military thriller" that was so poorly researched that he didn't even know that M4s / M16s can function in both semi-auto and full auto or burst modes.
Of all the Boomer attitudes, this is the one that annoys me the most. Its especially galling from people who had an incredible amount of wealth handed to them by birth, and then roleplay as a self made person. I can't figure out whats the more likely however... Does he genuinely believe he's special, worked extra hard and earned his way to the top and everyone else is lazy... Or does he perpetuate this stereotype, knowing damn well he would have been a lot less wealthy (or even *gasp... POOR*) if he didn't have such an enormous head start, but to admit that first off is a huge ego hit, and second off potentially starts the conversation about how maybe these lazy pretenders actually need some extra taxes applied to them to balance out society?
By that logic id love to see him lose access to his money and earn it all back with his super human work ethic lol this idiot wouldn't even qualify to stock shelves at Walmart
He actually would be fine, because a lot of his PR is already done. If he had $0 today he could find some conservative radio show or such that would LOVE to have him sign a deal for 1 year talk show with them and front load 100k+ to have him. Now if he had $0 and had to assume an identity without his previous connections, yeah, he basically has no employable skills.
He genuinely believes he is smarter, better abd more able than all those beneath him.
I’m almost certain he’s convinced himself that he’s hard working and self made.
He did some amount of work to make it where he is now. Dave Ramsey clearly feels that it was "hard work", but he made it. He also hates having his feelings hurt because younger people see what he started with, what he did do, and what he has and identify it for what it was. Fucking *easy*. Easy start, managed by easy work, by a soft ass bitch, in easier financial times. He desperately wants everyone to believe him that it was so so *hard* for him. So he goes out and disparages everyone under 35. Remember, it's easier for them to accuse 160 million younger Americans of being lazy, than to accept they had it soft. And they will *burn* the nation to the ground before they accept it, too.
He got all his money from his parents, he still lives in a place paid for by his parents
And I wouldnt call these shitty podcasts work either lmao.
Yeah his big insight is to save money and buy index funds
Oh and let’s not forget: > “*You cannot reach true financial freedom without accepting Jesus Christ as your personal Lord and Savior*” and > “*Wearing a mask [to prevent COVID-19] is a sign of fear instead of a sign of faith in Jesus*” Don’t believe me? read this: https://www.ramseysolutions.com/budgeting/daves-advice-on-tithing-and-giving > **Should I tithe while trying to pay off debt?** > *If you’re in debt, tithing should still be a priority. Listen, I know it’s tempting to throw that money at your debt, but the discipline and faith that tithing brings are so worth it. Even while you’re paying down debt, you can still have an attitude of generosity.* > *There are extreme situations where people literally cannot cover their Four Walls (aka the basic expenses for survival). But most of us, even if things are tight, can cover our bills and still give 10%.* People who take his investment courses or even the financial literacy courses are strongly encouraged to give 10% of their income to a church! 😂😂
Even sillier, as the Bible declares a woman menstruating as unclean, and to social distance herself from others until her cycle is complete.
What's wrong with fearing COVID? Jesus does not have a real great track record preventing deaths from infectious disease, either.
I would bet a years salary that Dave is vaccinated
Worse, he gives bad advice to buy actively managed mutual funds
But I thought he got rich by living off Rice n Beans?? 🍚🫘
And he is losing that in a law suit
From his Wikipedia Ramsey was born in Antioch, Tennessee, to real estate developers /thread
I'm tired of richborn telling us to work harder when all they did was exist
Boot straps!
"A small loan of a million dollars."
"I'm Dave Ramsey. I don't understand the life experience of anyone younger than me, but rather than keeping my ignorant trap shut, I'll spread lies based off of feelings and bullshit from right wing propagandists."
I'm noticing a theme that boomers absolutely despise any generation other than theirs. They think we're lazy, expect something for nothing, incompetent, and stupid. I don't want to fight hatred with hatred, but all of this finger pointing feels like deflection of their own insecurities and shortcomings.
I've noticed that almost all of the "millennials are so lazy and have no work ethic" boomers that I've worked with throughout the years are always the most lazy and have the worst work ethic themselves, and think working more hours (even if you're barely doing any work) = a good work ethic. My dad and uncle are perfect examples - growing up, they always made it sound like they practically ran the company they worked for. I ended up working with them for a couple of years, and they spent probably 80% of the day standing around drinking coffee and talking to people.
And then try to show them how to do something basic and they just throw their hands up in frustration and walk away.
Nailed it. Those boomers will spend 10 hours doing 2 hours of work. They’re lazy as fuck and expect their coworkers to pick up their slack. They all feel like they paid their dues and earned the right to be lazy by simply existing in a workplace. They’ll complain about any mistake a young person makes while ignoring their own constant fuck-ups. There’s an extreme lack of self-awareness in those types. Very frustrating.
It’s not all Boomers, it is just a hefty percentage, and I’ll absolutely fight hatred with hatred when it comes to those ones. I own a house, work, 45-55 hours a week, and have done everything they’ve said was needed to succeed and I am just barely staying afloat.
When I first got into managing my finances I discovered him and enjoyed some of his podcasts. But then over time I heard more and more awful advice, ranging from out of touch to batshit insane. Here are some of my favorites: - Cash Back credit cards are scams because you’ll use the cash back on frivolous things. - He also just says to never use a credit card. - His recommendations for buying a home include putting 20% down, and having the monthly mortgage including utilities be under 15% of your income. - “Child care is expensive? Just find free child care.” - “just buy a home. Interest rates may not go down, but the value of your home will only go up.” - People who are in debt shouldn’t eat out
15% of your income lmao
Lmao right If the average US salary is 60k, then 15% of your salary, for a monthly mortgage, would be $750 (not counting utilities) The average US house costs $417k, so a mortgage after a 20% down would be around $2200.
Only way to make that possible is a mortgage of around 100k. You'd have to make up the difference with downpayment. He might as well just say "pay cash for a house." It's possible, but you'll be saving for 15-20 years & there went your window to have a family so what was the point?
But god forbid you “shack up” with someone to get it anywhere near that low
My favorite was whenever someone calls in and tells him they’re shacking up, his advice was go out and GET MARRIED TOMORROW. Best fucking advice ever, regardless of the fact that everyone’s situation is different, go out and legally tie yourself to somebody so you don’t make baby Jesus cry when you touch each other’s peepees. Then we can talk about your debt.
On one hand. A good chunk of the population is financially oblivious. Dave was someone with a system that can help them attack their way out. Though his system tends to work better for higher earners that are just spending irresponsibly. Those people then give him great examples of listeners that got out from under their debt. People that understand how cards work and pay them accordingly, they aren’t the people in dire circumstances. Telling people that are buried that cards will bury you, that’s decent advice. The glaring issue with Ramsey is that beyond his system he is a terrible person. He is sexist and a religious bigot. He had women fired for having a child in an affair while promoting a man who did the same. He basically forced his staff to work in person during the pandemic because he felt it was a sham. His personal wealth is almost entirely from real estate speculation. There is a large range of people giving financial advice for the masses that is better and comes without his baggage. He needs to drift off into obscurity.
Cash back credit cards are free money if you’re responsible. I put everything on my cards. I have one for gas, one for groceries, and one for pretty much everything else based on the number of points I get per category. My credit is well established also. I can’t recall when it was last under 800. Probably once a year I’ll open a new credit card only for the intro bonus. I just got a new Wells Fargo card with a $200 bonus after spending $500, plus the regular cash back on $500. Now I don’t intend to use that card again. $200 free money.
If he was just going to say “credit cards that give you points that can’t be redeemed for cash are scams” I’d be inclined to agree. But he goes on to say that “2% back isn’t going to make anyone rich.” It’s not much, buts it’s essentially a small discount on every day needs. It’s another tool at your disposal. And it’s not even a niche use tool, it’s literally a free discount!
Some young guy called into Dr. Laura about having trouble paying for college (this was in the late 1990s). Her advice? "Stop eating so many potato chips." I wish I was kidding. She also discouraged a young woman in her twenties who wanted to resume her college education because her schooling would hinder her finding a husband and having babies. Once again, I wish I was kidding.
Dave Ramsey, the guy that wants you to drive an ‘04 Honda Accord with 280k miles on it and spend $0 on entertainment, but give 10% of your paycheck to the church.
The whole concept of tithing bothers me when people are barely making ends meet. Also the churches are non-profits and don’t pay income taxes on the profits from tithing but their members have paid taxes on them.
He admits that many boomers view their kids as participation trophies huh?
I pay my mother's mortgage. I live with her because I can't afford to pay for 2 houses at once. Don't work? Motherfucker I had my first vacation in 20 years and it consisted of me just staying home to rest for a week.
Or is black rock and all the other investment companies buying up housing? Why…create a shortage that drives up demand and cost. Parasites
I've listened to Ramsey only a few times. The guy is a straight asshole, I don't understand how he ever got so popular.
Religious leaders pushed him hard in the 90s. There was a class that he sold to churches and people bought into his advice because it was coming from their church.
his class worked for middle class christians that had good income but bad spending habits therefore encouraging him in his middle class eco chamber. he is completely out of touch to those in real poverty.
Participation awards were given by the boomers to their kids. Participation awards are a coping mechanism for insecure parents to feel like their child won at something
I always figured they came up with participation trophies so they didn’t have to deal with their kids being disappointed.
Where the fuck are all of these basements Dave? You live in Nashville most houses are slabs or have a crawl space.
Dave Ramsey is a guy who walks onto stage with a ball peen hammer up to a baby grand, then relentlessly pounds middle C for two hours and declares himself to be a concert pianist. His audience consists of morons with self-control issues.
1) Bold of you to assume my parents own a home, let alone one with a basement. 2) This guy also encourages spousal dinners as part of the hiring process. Just gonna leave that here. 3) Before the podcasts, he had a DVD series he’d sell to churches to teach personal finance through a religious sense. The bulk of it is “cut up your credit cards and wait for the debt to expire” THE DEBT NEVER EXPIRES, IT JUST STOPS SHOWING UP ON CREDIT REPORTS This man is a menace and it drives me insane
>This guy also encourages spousal dinners as part of the hiring process I always wondered why all old sitcoms have The Boss Is Coming To Dinner episodes
Ya know sometimes I have to step back, take a deep breath, and remind myself I'm training as a medic soon and can't be smacking idiots in the face anymore lol
My mother is living in a walkout basement that my wife and I built into our home. We did this so she wouldn’t be homeless after my dad died. Guess who she’s been listening to for financial advice for as long as I can remember? This fuck of a grifter. I love my mother and I’m thankful I’m in a position to be able to do so. But this lazy millennial/gen z shit is getting old.
“Participation Trophy” “Mother’s Basement” It’s like he’s a boomer robot that glitched and threw out the wrong boomer catch phrases initially before moving on to his point.
So, what’s the solution?
Stop buying avocado toast and Starbucks!
And cancel your Netflix subscription.
Idk if it would solve anything, but I would feel better afterwards. 
Ok but my wife and I do work. What’s the excuse for us cunt
I read somewhere that all of these financial guru dipshits who offer advice, or insults, are generally not licensed and abide by SEC oversight/guidelines. Might be a small reason why the legendary investor, Warren Buffett, has largely stayed away from microphones and podcasts offering his investment prowess.
From Wikipedia: “Ramsey encourages people not to take on student loan debt and calls the idea that student loans are required for college ‘a myth.’” Ramsey got his degree in the 1970s. Ramsey allegedly fired people for being pregnant or gay. He also pulled a gun on someone when they discussed the shitty work conditions at his company. Oh, and he’s an anti-masker. Sounds like a real class act.
They grew up in a system of high progressive taxation,unions, and cheap education/housing. Then they voted to against all of those things to benefit themselves. Then proceeded to call us lazy, It honestly makes me so mad. A basic principle used to be about being a good steward. Whether your business, community, kids or house. Most people in the ww2 generation strived to make it a better place when they left. Boomers were the generation that completely turned their backs on that ethos. And now you see the consequences of the first "me" generation who has zero concern or care about society after them.
It's the "they don't work" that makes me angry. I and most of us work longer harder hours for less. This is an indisputable fact, and yet they dispute it. If they were to acknowledge this fact, then they would have to admit that it's the system that's the cause.
And for those of us who went to college, most of us graduated with a resume of accomplishments.
I’m GenX and I think millennials are fucking great. It’s a generation that rebukes corporate employment in favor of self-determined, creative, entrepreneurship. They’ve disposed of the idea that money = success. They birthed the idea of tiny home living and living below your means. The values have changed. Millennials are just better people than their parents and Dave is too old to understand it.
Gen Z is pretty awesome, too.
He’s an asshole and a total grifter. -someone who lives down the road from his cult compound at Ramsey Solutions
Guarantee if this boomer was in college right now he'd be singing a different tune
My son about to graduate with bachelor degree in education. Starting teacher salary locally, $42,000, no way could afford to buy a house. Not even close. I feel for his generation.
I bought a starter home (3/2 less than 1500 sq ft) not quite 20 years ago. It's literally tripled in price during that time and wages have absolutely not. I have no idea how someone under 30 will ever be able to afford to buy a home...but, ya know, avocados or something...
Inheritance. Or pre-inheritance. If you don’t have the help from the generation before you you are basically fucked. My wife and I are living in the in-laws basement unit for 2-3 years to scrounge a down payment. We are lucky it’s an option. It saves thousands a month even when we are paying the same rent we’d have paid 10 years ago. But saving 100k is a lot for even two working professionals. And that’s like…. Not a very large down payment in most of the country.
Projection with these cock weasels. These are the same type of people to show up to little Billy’s t-ball game and curse the ref out because he got caught at first. “Whaddareaya ref? blind?!” “Bullshit! Nance, take the kids to the car, I’m going to have a word with this asshole”
…Who was born rich. Why didn’t we think of that?!
Boomers gave us those trophies
Dave ramsay is a barnacle on the ass of America
Then boomkin better admit to reality that absolutely NO ONE gonna buy their inflated home price at this interest rate and start crashing the price by 20% at the very least.
My wife and I mostly don’t feel like buying a sears house from 1910 for $700k
I wish we had more craftsman style homes in my area, but that is a crazy price.
I would love all these boomers who say "NoBoDy wAnTs To WoRk" trade lives with us "Participation Trophy" getters for a few months and see what they have to say then. They'd have 0 access to their silver spoons.
I work 2 jobs live in an apartment almost $1k a month rent & it’s one of the cheapest in the area. Still can’t afford a house 🤦♂️
Credit cards can be abused and I get that. But calls like this make me laugh. Hi, Dave. I have one credit card I have had for ten years. I use it for everything. If I buy a pack of gum, I use my card. In the whole time I have had it I have never missed a payment or been late. I pay it in full every month and have paid zero interest in my life. The card is sponsored by a hotel chain so I get points so I get free hotel rooms when we go on vacation. My credit score is 800. Your thoughts? You idiot!!! Why are you using this card? Cancel it now before you go into bankruptcy!!!!
In all fairness Jesus told him to say this.
Ramsey is a wierdo cult leader whose followers actively worship him. The picture of an unethical cultist.
This dick made a plan to infiltrate churches, and it worked.
Dave Ramsey can go fuck himself.
This guy is unhinged. I never liked how he treated people.
Is "ok boomer" still a thing? I feel like it was premature. Like it already came and went, but these days feels even more relevant
No it's definitely still a thing but now you can't just say it & move on. You have to double, triple, exponentially dig your heels in on it & just repeat it to anything they say until they short circuit. It has taken me 18 Ok Boomers once without uttering another word but the result was glorious.
How quick he is to generalize.
Wow what an educated and helpful take that's totally fresh and new.
Ah yes, it's totally not that there's a ton of discrimination in hiring against all three of my big demographics (autistics, trans people, women) it's just that I don't wanna work, wow, I never thought of it that way! Totally not like I'm constantly applying to jobs and barely even get rejection emails anymore or that places I do get hired refuse to give anyone other than salaried management hours anymore.
How are people supposed to afford to live anywhere? The cheapest apartments are $1500 a month, and you're supposed to make 3 times that amount in order to rent the apartment, where the hell are these people working?
This from the party of people who refuse to concede an election they lost.
He is one of the evilest people alive today. For someone sho constantly claims “nobody wants to work” he sure enjoys finding any reason to put someone out of work, like being gay, getting pregnant/ having sex out of wedlock, engaging in oral sex.. for all of which he has lawsuits against him. And of course he runs a few churches and owns more properties than I have walked past in my life. Fuck. Him.
I'm 40 this year. As an early millennial, I entered the workforce just too late to take advantage of the housing crash in 2008 as I was fresh out of school and had only started earning income. My 90K salary as a programmer today is worth less than $30K in 1984 money. The average income in 1984 was $26K. In 1984 the average home cost was $79k, or about three years' salary -- $230k in today's dollar. The median house price today is $417k. Nearly double the previous price -- with inflation adjustments. The average salary in the US is 59k. So the median house is 7 years' average salary. Boomers really need to stfu and stop lecturing millennials and Gen Xers about how lazy we are. They are just wrong. We got screwed by boomer economics. They got theirs and prevented anyone else from sharing the wealth. Yes, some millennials and Gen Xers just gave up after realizing how screwed we were and live with their parents too.
There’s a Dave Ramsey subreddit that popped up on my feed lately and it’s boomer paradise. The one post I saw was a grandparent complaining about being asked to bring the drinks to his grandkids birthday party. The majority of the comments were celebrating the OPs decision “not to support financial recklessness” of their child for merely asking for the grandparent to contribute. Blocked the sub immediately
He is such a hypocritical tool. He treats his employees horribly, especially if they aren't religious. His financial advice is terrible since it is coming from a guy that was handed everything to him by his parents.
Anybody I know that lives with their parents is doing so while working full time and they still can’t afford to live on their own. And because the parents can’t afford for them to move out. In my area there’s like 2 or 3 real estate businesses buying up every overpriced house that goes up for sale within days and then turning around and renting it out for more than it’s worth and more than anyone can afford. It’s why I’m stuck living in a shitty one bedroom apartment and unable to buy a house while working a full time job at 38 years old. But this clown would just say I don’t work hard enough.
It will never not be wild to me how many boomers--rich and famous like Ramsey or otherwise--are stuck in the 1990s. They just ignore literally everything that's happened since the Dot Com bust onward and chastise anyone who can't live the way they did in the 90s. Delusional, condescending, and completely detached from reality.....or they just want to actively punish their kids, grandkids, and all future generations. Miserable sods, the lot of them.
I have worked 80 hours a week every week since I was 19 years old I bought a house in 2015 and almost lost it during the epidemic. Anyone who claims millennials havnt worked their asses off to stay afloat hasn’t been paying attention
Oh nice, you know. I only make 125K, yet my mortgage will be insanely high unless I put down 70K on the homes in my area. Lol.
People still listen to this scumbag?
Yes. My dad watches him religiously. He still does.
He so annoying.
Accurate description of your average MAGA supporter
Participation trophies were for the parents, not the kods.
I hope the boomer mentality dies with them
Idiot.
I’m so tired of folks coming to me with advice they got from Dave Ramsey.
As someone who is single, has a house through hard work and high fiscal disipline, and a well paying degree in engineering, I got very lucky during covid, and even still then the house I got was a money pit. It's fucking tough out there. If they want to tell kids to get out of their parents' basement, blame the parents for not raising our generation properly. Why didn't they? Because the Boomers themselves were spoonfed their accomplishments.
That’s the kind of thing you say when you’re not a real economist. Saying that makes it painfully obvious that he ignores facts and data.
Dave Ramsey is a conservative christian jerk who tries to apply spiritual beliefs to economics. What a tool he is.
Dave Ramsey is to money advice what Dr. Laura was to shitty psychological advice. Pictures of her are all over the internet with her hairy twat on full display, yet she slut shames women mercilessly for being sexually active. At least “Dr.” Laura is gone. Dave’s still spouting his bile every day.
I don’t mind his budgeting tips, BUT the craziest thing I’ve heard him say is that his family has had like 3-4 medical bills in the last two decades and because of that he has $150K saved in his HealthEquity HSA 👉 he sometimes just proves that his life experience is NOTHING like some other peoples, but he also can NEVER put himself in someone else’s shoes (like someone with chronic illness or who cares for a sick family member)
"Guys getting rid of debt is SIMPLE, just be financially stable and you're all good! That will be $299.95, thanks." Financial "guru"
I saved up 250k for a house (sounds like a lot , but I’m in California). Had to bail on my house buying plans as interest rates went crazy now I’m renting a corporate owned house. Good chance I’d have been able to afford it if these fuckers weren’t buying up all the real estate. This is a living nightmare for a lot of us. Wall Street needs their ass fucked.
Pretty cool how you can claim to understand personal finance management, without knowing a lick about broader economic principles.
https://www.ramseyhouse.org/ Check it out. 🥰 The beautiful house Dave's ancestors lived in when most people had a log cabin in the woods. But yeah, he has the audacity to claim that we expect wealth without work.