I love money. Always have. Always will. I’ve been a money guy from jump street. There’s really nothing better than getting to a point in your personal and professional life where money just isn’t as tight as it used to be. I’m not rich by any means. I’ve just been working for a long time now and crazily enough, employers pay you for experience and being good at your job. Wild.
Still, I found myself with too much month at the end of the money so to speak. Wasn’t going broke, wasn’t really flush with cash either. So, I did what every reasonable adult who wants to be rich does: I started listening to Dave Ramsey. Now, here I am. On the road to wealth. Getting ready to burn some dust here. Eat my rubber.
I used to think Dave Ramsey was just some mean old dude who loved telling people they were dumbasses. And I was absolutely correct. Listening to Dave light into morons for three hours five days a week is just about as satisfying as it gets, and you learn about money along the way. It’s the best of both worlds.
My longheld beliefs about money were absolutely shattered. Being young isn’t an excuse to recklessly spend money on shit you can’t afford and rack up credit card debt. I’m a classic example of a dude who was awful with money (and still kind of is).
No one held a gun to your head and forced you to take out six figures in student loans. No one told you to get a $1000/month apartment when your take home pay is less than $2500. No one forced you to get a liberal arts degree when you damn well knew the median salary for liberal arts majors was $43,000 annually! Also, you shouldn’t have even gone to college in the first place! There are welders in Nebraska who make six figure salaries. We’re all suckers. Go find your high school college advisor and punch them in the face.
“Corporate America” is a boogey man. There is no one holding you down, preventing you from success. You are the boss in America. Hate your boss? Go get a new job. Can’t afford your car payments? Sell the dang car, refinance the remainder of the loan and go buy a 2011 Honda Accord. Corporate welfare is just a fancy word for anti-inflation. Blew my mind. Go ahead and tax the shit out of corporations. That burden will then fall on to consumers and inflation will run rampant. Anyone can get rich in America if you live within your means.
Wealth inequality is FAIR.
Wealth isn’t inherited. It isn’t just dropped into your lap. Wealth can be ravaged by dumb kids. Wealth is victory. Wealth is earned. Kids who squander their parents’ wealth are losers. Kids who inherit millions and turn it into billions are winners. They’re champions. Fair is not equal. The hick in West Virginia feeding her baby Mountain Dew making 100 grand a year because you make 100 grand a year isn’t fair. Wealth is earned. It’s accrued. It’s a house. Talent, effort, diligence, discipline.
The system is designed to be taken advantage of, which is significantly better than the other way around. Stop bitching and get to work. Man, I’m so fired up right now.
Have I put his advice into practice? Hell no! I just financed a mid-sized sedan and am living by myself in a 900-square foot apartment KitchenAid appliances I bought with a credit card coming out my ass. I’ve got a $200 cable bill that should probably be going into a 401(k) instead of premium channels.
Regardless, I listen to Dave Ramsey. I’m basically a millionaire already. So next time you ask me how I’m doing, I will absolutely tell you “Better than I deserve.” .
**Dave, if you’re reading this, I swear I’m done being a butt and I’m getting my act together.
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