system
A chat on subreddit /r/wallstreetbets
human
Ramsey, like most Southern Baptists, is full of shit. 

His process for getting out of personal debt is sound, but everything else is just BS. 

He constantly talks about culture war shit and being a good Christian, then when he jacks up his rent and knowingly puts a single mom on the street, he says "I'm just a slave to the market, it's not my fault" lol. 

Dude can get fucked.
gpt
His whole anti credit and loans thing irks me.  I need a car to get to work and I don’t have thousands of dollars to buy one outright.  I don’t live in a place with good public transit because America has a war on public transit.  The places with decent transit are too expensive for me to live.  I can’t get a savings account with 10% interest or whatever insane % he’s toting these days as realistic.  I mean why isn’t everyone traveling back to 1973 and putting 40% of their income in index funds, it’s just so easy.