Quote:
Originally Posted by Buehler445
People that get in REAL shit such that they need Dave Ramsey are probably compulsive/addicted/some other behavior that limits their capacity to look at the thing objectively. Accordingly, Ramsey's stuff is psychological as opposed to mathematical. It is not solving for optimal returns, it's designed to eliminate failure.
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Well this may be just what the doctor ordered for the OP. He has admitted in the past to have gambling issues, so he may do well with that type of guidance style.