Dave Ramsey calls out millenial and Gen Z ‘whiners'

[Anonymous No.58298486]

>Personal finance expert Dave Ramsey shot back at millennial and Gen Z "whiners on TikTok" who call his financial advice "a bunch of crap" on Wednesday.
>"There's a segment of them [younger generations] that just sucks. They're just awful. I mean, their participation trophy, they live in their mother's basement, and they can't figure out why they can't buy a house because they don't work, you know, stuff like that," he expressed.
>The Ramsey Solutions CEO and founder addressed the younger critics who claim his advice is unattainable in today’s economic climate.
>"I’ve been doing this for 35 years, and there’s always a group of people who say you can’t do it," Ramsey said
>Ramsey said that social media platforms like TikTok and Instagram have given his critics a voice and suggested they "have at it."

Gen Z and Millenial sisters, our response???

[Anonymous No.58298497]

>>58298486
Zoomers are right for once. His advice is bullshit that anyone can think of
>Eat Ramen everyday and don't overspend!

[Anonymous No.58298507]

>>58298486
Notice how he doesn't mention the ratio of wage to real estate compared to 40 years ago. How convenient. I bet he thinks inflation is a conspiracy theory too.

[Anonymous No.58298515]

Based, fuck neets.

[Anonymous No.58298564]

A little of both columns. From my experience, social media has broken zoomers brains and they don’t think life is worth living if they don’t have a gorillion dollars. On the other hand, Dave Ramsey’s advice is a surefire way to be a slave for 2-3 decades minimum. The economy literally revolves around borrowing money and risking investment. The sweet spot is genuinely in the middle I think, don’t pile money into bad ideas, but don’t be afraid to leverage a little on good ones.

[Anonymous No.58298570]

Ramsey is basically only geared towards high earners who can't manage their money. His only advice to the low income is make more money. The useless advice. It breaks his world. Cause he doesn't care about you at all. His daughter is superior in every way.

[Anonymous No.58298574]

>>58298486
>hey live in their mother's basement, and they can't figure out why they can't buy a house because they don't work, you know, stuff like that," he expressed.
all my friends that dont work are better off financially than those who went to college and/or do work a regular job. its just a small selection of above-average iq midwits (also mostly women) that got a masters or better degree that have the kind of middle class lifestyle boomers and gen x had. 110 or lower iq too stupid to have gotten the degree, 120 or higher too smart to play the shitty rat race, and if youre 110-120 and a white male you are probably autistic to not have seen the writing on the wall when you were a teen.
the most successful millennials i know either picked up a trade and only work when they feel like it, or started a business off their education and work very little

[Anonymous No.58299214]

>>58298486
Ramsey's system does work for retards who run up CC debts and can never figure out how to get out of it.
But living debt free is retarded. My dad listened to Dave Ramsey for 30 years and never changed jobs, paid cash for cars, etc. When he retired he had $147k in his IRA TOTAL. If he didn't have an overly generous municipal employee pension he would be living with me. Ramsey is a complete midwit trap for people who think you don't have to get creative to make it in America.

[sage No.58299259]

>>58298486
Yummy yummy ragebait slop!
Thanks for sharing OP.

[Anonymous No.58299269]

>>58298507
All of his millionaire studies are bullshit because they don't factor in the help those people get from their parents while their still living.

[Anonymous No.58299286]

>>58298486
He is completely right. If you are american there are 1000x of ways to make easy money. You can just drive uber/doordash and rack 6 figures. Or even if you want it easy, do some data annotation online and make $20/hr, perhaps pay an indian to do for you. Get welfare, sell plasma. That's all assuming you are a man. If you are a woman it's even easier, you can probably literally ask for money from random simps and they will give you. If you sell eggs, you can get thousands per menstrual cycle.
Americans don't know how easy they have, and how much money there is "floating around".

[Anonymous No.58299296]

>>58298486
Boomers deserve a bullet to the head in a video game

[Anonymous No.58299301]

>>58299286
Hustle culture is a coping mechanism for those who will never make it.

[Anonymous No.58299340]

>>58299301
>Hustle culture
You can choose either way. If you study a trade and work a lot you are going to make a lot of money. If you choose to live like a neet and live off welfare and beer money, you can also survive or even thrive. I believe consumerism, drug usage, degeneration, and extreme individualism (no family to count on) is why so many americans are miserable.

[Anonymous No.58299358]

>>58298570
the solution to not making enough is to make more. It's not that complicated retard

[Anonymous No.58299773]

>>58298486
>Old out of touch rich man blames younger people for shitty market conditions created by old out of touch rich men

[Anonymous No.58299857]

>>58298486
Next he'll release a manifesto encouraging all boomers to put random illegal immigrants in their inheritance planning rather than their own children

[Anonymous No.58300438]

>>58298486
He's right.

If you are in your 30s and have not acquired significant wealth, you are a loser.

10 years ago you had rock bottom prices and 3.5% interest rates. Stocks were up-only for a decade. Bitcoin was $300.

All of my college friends are a homeowners and pulling in 150k+/year.

Zoomers are fucked, but middle aged/older Millennials had a fucking golden ticket when they entered the workplace in the 2010s.

[Anonymous No.58300468]

>>58299286
100%. There is so much work available here for wages that 90% of the world would kill for. And you can work as much as you want.

I grossed 300k last year. Worked non-stop (2 full time jobs). Dumped paychecks into BTC.

[Anonymous No.58300479]

>>58298486

I hate Dave Ramsey.

[Anonymous No.58300653]

>>58299286
>You can just drive uber/doordash and rack 6 figures
I just want to say as a deliveryslave myself, the delivery apps are a decent option if you play your cards right and spend all day doing it by bicycle, 6-fig is attainable from courier work, however, the apps have closed signups for a lot of areas as well as referrals. It's a little different these days, these apps aren't taking anyone and everyone like they used to anymore.

[Anonymous No.58300674]

>>58299301
that excuse is cope for someone who will absolutely not make it. Yes, hustle culture sucks and is toxic, but it's unfortunately the mentality required to make it.

[Anonymous No.58300689]

>>58298486
Who gives a shit?

[Anonymous No.58300730]

I think it would be funny to find whoever makes these daily threads about this eceleb and stab them with a pen.

[Anonymous No.58300771]

How am I doing for a 34 year old,,,? Single no kids. Only one gf before. She was a very nice person, I couldn't focus on her due to 2017 Nov shitcoin boom

[Anonymous No.58300775]

>>58299358
There you go you can be a financial expert! Of course maybe if he gave actually helpful advice to those people instead of calling them retards it would be better. Like telling them the best jobs to get into. Whether to avoid college or not. Go drive a truck. Things like that. Actual you know helpful things like he should be doing. At the minimum he is ignoring good business opportunity. At worst he is annoying his customer base that did struggle to make more money like me.

[Anonymous No.58300795]

>>58298486
This nigga's a landlord. He literally makes money buying houses he doesn't need and charging gen Z more than it'd cost them to buy it just to borrow it from him.

[Anonymous No.58301190]

>>58299358
>if you're poor, then just stop being poor
Brilliant advice. This is truly something that only a world famous financial guru could come up with. The world definitely needs Dave Ramsey to tell us this.

[Anonymous No.58301192]

>>58298486
> throw your goyim out of the house at 18
> It will make them stronger and better at finances
>This is what Jews, Jeets and Japs do I’m their countries and they all become doctors and own half the city

[Anonymous No.58301313]

>>58299358
>>58300468
Meanhwile in reality

[Anonymous No.58301324]

Boomers are incapable of seeing or admitting how easy they had it because it would hurt their ego too much. In their mind the fact that their house went up 600% in 20 years is a testament to their genius and not insanely lax monetary conditions that assraped everyone who came after them

[Anonymous No.58301340]

>>58300771

I'm 33 and you're worth 10x or more than me, well done anon

[Anonymous No.58301348]

>another day, another boomer confused why people born after 1980 are AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA

[Anonymous No.58301418]

>>58298486
Zoomers don't even do the minimum. Such a lost generation, I can't imagine how hellish their 30s abd 40s will be.

[Anonymous No.58301474]

Something I've noticed is most boomers are scammers and are aware of it, but will generally taunt younger and stronger people "what are you gonna do, shoot me?" types of things. It's becoming rapidly obvious the only way this shit ends is when all boomers are dead, I'm guessing cases of "young guy shoots elderly people" will become a lot more common in the future the way the boomers constantly assume their kids/grandkids wouldn't harm them because they're a special boomer.

[Anonymous No.58301480]

>>58298486
I work and I can't buy a home.

[Anonymous No.58301501]

>>58300438
>10 years ago you had rock bottom prices and 3.5% interest rates. Stocks were up-only for a decade. Bitcoin was $300.
"When you were a broke kid you should have just mentally envisioned money into existence and gotten rich!".
>Zoomers are fucked, but middle aged/older Millennials had a fucking golden ticket when they entered the workplace in the 2010s.
Even though I know you're baiting why do you post this bullshit knowing full well it wasn't until 2017 that businesses stopped with insane demands like years of experience for a mcdonald's job. It's impossible to have a conversation here when people like you constantly post stupid shit like this.

[Anonymous No.58301514]

>>58300438
>All of my college friends are a homeowners and pulling in 150k+/year.
Bro you're literally ESL, your friends aren't anything but jeets.

[Anonymous No.58301522]

>>58301501
>Even though I know you're baiting why do you post this bullshit knowing full well it wasn't until 2017 that businesses stopped with insane demands like years of experience for a mcdonald's job
You mean 2020. Those jobs were oversaturated with desperate wagies before covid

[Anonymous No.58301547]

>>58300438
>10 years ago stocks were up-only for a decade.
the fuck you talking about? also for bitcoin very few people could tell it would get so big, hindsight is 20/20. might as well complain at someone they didnt chose the right lottery numbers

[Anonymous No.58301605]

>>58299286
Then show us a screen of your 1M bank account

[Anonymous No.58301634]

>>58298486
Dumb boomer fag

[Anonymous No.58301659]

>>58299286
Doordash and uber eats drivers are literally homeless people here in Switzerland working to avoid starvation no joke

[Anonymous No.58302393]

>>58301313
Sauce on pic?

[Anonymous No.58302408]

>>58299214
Dave did not say to never change jobs. If your father has been working for 40 years, even if he had saved as little as 100$/mo, he would have had 400k by now.

[Anonymous No.58302454]

>juice no longer worth the squeeze
>its your fault for noticing this

[Anonymous No.58302505]

>>58298486
>they just don't work
Millennials make up the majority of the work force now.

[Anonymous No.58302565]

>>58302393
https://www.zerohedge.com/markets/behind-todays-stellar-jobs-print-it-was-literally-all-part-time-jobs-and-illegals

[Anonymous No.58302627]

>>58298507
His financial interests involve you not being able to afford his house but the guy next door being able to take out a 40 year mortgage and pass it onto his children when he dies 20 years in because he got his first house at 46 and died at 66. Honestly Im liking all these 40 year terms, having a terminal illness and knowing they cant make me pay ultimately.

[Anonymous No.58302631]

>>58299296
depends on the boomer, my grandpa helped me buy my first house in 2011....wait he was actually a silent Gen who lived through the great depression as a kid, fought in WWII as a teen(imagine being a kid when the war starts and then being in it for last year of it) and the Korean war in his 20s. He died 3 years ago, not from covid he was tough as nails even in his 90s. (the jeet doctor prescribed the wrong medicine I think he killed my gramps on purpose)

also, my boomer parents (who are barely boomers on the edge of being gen X) inherited millions from my grandpa after he died. and they spent pretty much all of it already, it's only been 2 years.

[Anonymous No.58302713]

>>58298507
The dude is a boomer. His main shit is financial literacy which a lot of people lack. His generation didn't have the issues of now at all. The average normie will max out credit cards, take endless loans, etc. And when a normal guy tells them stop being retarded with money, he's seen as a genius. If you listen to Dave, you were never meant to be rich in the first place. Like you have to be genuinely retarded to need his guidance.

[Anonymous No.58302824]

>>58302713
Canadians can declare bankruptcy on taxes fun fact. Another fun fact, CERB money paid to people who weren't entitled counts as backed taxes.

[Anonymous No.58302845]

Which if you have a brain and understand the scope of how many people took CERB without being entitled to it, youd know that by going after these people they are forcing literally millions of Canadians to go bankrupt when they otherwise wouldnt need to.

[Anonymous No.58302886]

Bankruptcies increased by 25.0% and proposals increased by 29.0%. The total number of insolvencies in March 2023 was 28.3% higher than the total number of insolvencies in March 2022. Consumer insolvencies increased by 28.0%, while business insolvencies increased by 36.8%.

[Anonymous No.58303342]

Der ewige boomer

[Anonymous No.58304179]

The thing that Ramsey doesn't get is this: If things get bad enough, people like him don't really need to understand why younger people make bad financial decisions in order to be lined up against the wall by the younger people. They don't need to understand younger people in order for them to have their assets confiscated by them. He should meditate on that.

[Anonymous No.58304362]

>>58302713
> If you listen to Dave, you were never meant to be rich in the first place. Like you have to be genuinely retarded to need his guidance.

Based

I’ve got a friend that makes the same income as me. (75k) Pays less rent and he still struggles with money. Came from a great house, he didn’t go to college and is actually intelligent in other ways but is an idiot with money. Simple fact is rich or poor, intelligent or not, it plays no part in behavior and one’s willingness to limit desires. That is where the discipline and many avenues of psychology and social pressures come in. He chooses to get a new vehicle, he chooses to get new equipment and things that he doesn’t actually need, he choices to to get another pet, and he chooses to go out to eat too much. I’m not going to sit here and defend how fucked the housing market to pay and inflation is but some people are their own worst enemies.

[Anonymous No.58304986]

>>58298486
Washed up boomer makes a final desperate attempt to cling to his rapidly fading cultural relevancy by utilizing a trendy but highly unoriginal tactic of ragebaiting young people on the internet. Reporters have been on scene since early this morning seeking anyone who might give a fuck but so far their search has come up empty.

Anyhow our main story tonight is we have just received confirmation from several expert sources that OP is indeed a faggot and always has been.
Despite OP also being a known virgin there have been rumors circulating the 4chan community for quite some time now that he was also a faggot as well. As to how 4chan community members were able to correctly determine this remains to be seen but we are reaching out to several "anons" for details. Stay tuned.

[Anonymous No.58305022]

>>58304179
Yeah but, you're a generation of fucking pussies who fold like paper the moment shit gets real. As someone who has actually been in combat, I'm telling you that you have no fucking clue what you are asking for.

[Anonymous No.58305035]

>>58304986
This

[Anonymous No.58305065]

UUUUUOOOOOOOH RAMSEY SAMA

[Anonymous No.58305603]

>>58302631
>depends on the boomer
>posts example of boomers being retarded

[Anonymous No.58305630]

>>58298486
>literally born in the peak of humanity
>didnt fight in vietnam or whatever
>thrived in peak humanity (west)
>same generation that needed to sustain their success by now flooding their countries with brown people and eating israels poopi
Just die already nigga

[Anonymous No.58305670]

>>58298507
Bro you live in 2024, not 1984. Stop comparing current year to the past. Play the game as it exists today. It’s not hard. The problem we really have is that the world is getting more complex and in order to be successful you need to be able to be employed in careers that require higher iqs. We’re seeing a separation of brainlets from those with above average iqs.

[Anonymous No.58305853]

>>58298486
Dave Ramsey is peak Boomer.

[Anonymous No.58305899]

>>58305670
>it's not hard
>you just need to be much smarter in order to get by
I'm sure you can appreciate why this line of reasoning isn't very compelling

[Anonymous No.58305953]

>>58305670
>the requirement to be competent is returning to the workplace
Nature is finally healing

[Anonymous No.58307386]

Stop whining you absolute faggots

[Anonymous No.58307523]

>>58305022
Nobody cares that you spent 4 years in a motor pool in Germany retard

[Anonymous No.58307551]

>>58298486
>just get a job and buy a house
I've become enlightened bros

[Anonymous No.58307660]

>>58300771
You've only had one gf before at 34 so pretty bad desu

[Anonymous No.58307705]

I bought a house for at 1.1% in 2021.
My mortgage is now 65% of my net income, not including utilities. Been a hard year and a half. Should have just stayed in my apartment. I'd be paying 30% of my net income in rent, including utilities. 35% left over to invest instead of paying interest

[Anonymous No.58307948]

Zoomers can die for all I care. They're too broken as a generation, there's no helping them.

[Anonymous No.58309037]

>>58298486
STOP THE MCWHINING!

[Anonymous No.58309309]

>>58300771
Financially you’re doing great, sounds like you sacrificed important social milestones though and now you’re a target for predatory women women since you didn’t develop the social skills to learn to navigate roastie morons. Despite how smart you are or think you are they play autistic inexperienced betas like a fiddle, be careful. What’s yours is yours and what’s hers is hers, don’t blur that line.

[Anonymous No.58309326]

>>58301474
What boomers are scammers? They don’t have the balls to commit real crime, they just do shady snake Goyim shit, and I 100% will beat the shit out of a boomer
That gets uppity with me. If a boomer says “what are you gonna do about it?” That’s because they can smell the lack of balls on you. You are lifting and also learned some form of mma/martial arts tight anon? You are capable of violence right?

[Anonymous No.58309332]

>>58298486
>people need to start saving again
yeah but not dollars or euros

[Anonymous No.58309590]

>>58309326
If you rip off an entire generation, entire nation's future so you can go on vacations every year from 65-dead years old you are a scammer.

I also think a violent confrontation with boomers is inevitable at this point, I just heard another news story on the radio from a boomer crying to a boomer DJ about how his stepson got laid off and refuses to pay for anything. Boomers destroyed society and think they should skate free of the fallout.

[Anonymous No.58309608]

>>58305022
>obese 73yo thinks he would survive ten seconds in combat because he was the mess hall champ at totenburg airforce back in 1975

[Anonymous No.58309615]

>>58305953
It isn't and posts like this show why this board sucks. If being competent mattered then a gorillion new houses would be built and real estate would crash to appeal to the generation of young people trying to buy houses. There is no 'smart' you can do to outwit megacorps and no amount of shilling will convince people that dancing for the ceo is some kind of darwinian survival mechanism.

[Anonymous No.58309621]

>>58302631
When we say boomers we mean the actual 1946-1963 baby boomer generation not "old people born in the 1920s who are dead now". Those are literally the parents of the boomers.

[Anonymous No.58309628]

>>58304986
kek

[Anonymous No.58309634]

>>58305853
A guy who looked just like this tried to convince me 15/hr with no benefits was good for an entry level office job, because he wouldn't hire me for the non-entry position because of 'no transferable skills' or some shit (but the mid-level position was paying entry level wages/23 an hour).

[Anonymous No.58309635]

>>58301313

Holy fuck it's over

[Anonymous No.58309649]

>>58309590
most of them will be dead within 10-15 years though, leaving gen x as the new boomers

[Anonymous No.58309721]

>>58309608
>73yo thinks he would survive ten seconds in combat
personally I'd rather face green Russian conscripts than Volkssturm or silver shields.

[Anonymous No.58309729]

>>58309649

'Boomer' will remain as an insult for a while after the real boomers are gone but let's get real. Boomers are entitled to their label. Maybe the only thing they are actually entitled to. there is no generation as shitty. Not by a mile. Let them bring the label with them to the grave.

[Anonymous No.58309739]

>>58307386
I think I did not need to see this, what in the ever living fuck

[Anonymous No.58309747]

His advice for paying off debt is good. All of his other advice is bad.

[Anonymous No.58309752]

>>58309729
>'Boomer' will remain as an insult
it has never been an insult, its something that glasses continents, you just have inadequate vocabulary

[Anonymous No.58309783]

>>58298486
Golden-age fags need to shut up and stop trying to teach us early-collapsoomers their economic strategies or complaining that we don't have the same accomplishments that they do.
Fucking faggots.

[Anonymous No.58309788]

>and they can't figure out why they can't buy a house because they don't work
The rcmp (Canadian federal police) published a censored report that stated one of the major threats to our country is the fact that most under 35s will never be able to afford a house
https://www.documentcloud.org/documents/24512494-rcmp-whole-of-government-five-year-trends-for-canada

[Anonymous No.58309797]

>>58300438
>Zoomers are fucked, but middle aged/older Millennials had a fucking golden ticket when they entered the workplace in the 2010s.
you just know nigger hands typed this, only a borderline illiterate poorfag thinks it is normal for a 20 year old in a first world country to be fully engaged in a full time job/career while also actively putting money into 401k/Investment porfolio.

Even more homo-sexually delusional to think that BTC was expected to be worth funny amounts of money. I would almost rather live in a globo-homo zero anonymity world than have to put up with niggers like you forever

[Anonymous No.58309801]

>>58309788
What's funny is they are not wrong. When military age men feel disenfranchised by society it causes stability problems. Why do you think all those MENA countries are exporting all of their excess and violent males to The West?

[Anonymous No.58309806]

>>58309783
>Golden-age fags need to shut up and stop trying to teach us early-collapsoomers their economic strategies
what you should learn from them instead is physics, chemistry and programming, especially the quality of teaching the latter has gone down massively

[Anonymous No.58309810]

>>58300771
7x my nw smilar age but I've traveled and had lots of hot girls, in other words, I have experience you can't buy back due to time/aging so my advice is you had better get busy living because a retrospective life all contained in the confines of a screen is gonna make you regret your entire life

[Anonymous No.58309822]

>>58309806
I actually agree totally with your post and that's why I got an engineering degree. I do want to fund a PhD at some point, but my current priority is money to fund no less than 6 white kids.

[Anonymous No.58309843]

>>58300771
You're unironically in the 1% of money-havers. Good job!
>>58309810
>sex and travel
Are you a woman? Just be happy for him. There's no reason to be bitter.

[Anonymous No.58309880]

>>58309752

Schizo reply

[Anonymous No.58309894]

>>58300771
What's the next move?

[Anonymous No.58309895]

>>58309843
You literally don't comprehend that you have a limited window of time to fall in love/pursue interests and travel with no other constraints - while also being young and attractive/energetic. I feel bad for most people, you guys hardly know how it feels to be alive and free because you are 100% all in mentally and emotionally on money, the root of all evil. Don't forget to live.

[Anonymous No.58309914]

>>58309880
>In US naval slang, ballistic missile submarines are called boomers.

[Anonymous No.58310240]

>>58309810
I traveled and fucked a lot of hot girls in my 20s. Now I'm.. older. And I have a lot more money and responsibilities. I'm not necessarily unhappy but life was more fun when I was young, broke, and fucking hot chicks. The ability to make money will stay with you but don't waste your young and pretty cuz there's a window for that and when it closes you can never get it back

[Anonymous No.58310268]

>>58298486
Millennial here who actually scrapped out a net worth: the zoomgroids are right.

[Anonymous No.58313133]

[Anonymous No.58313166]

>>58309895
There is a window of opportunity early for both.
You shouldn't choose just one, but if you have to... money will last you longer.