system
A chat on subreddit /r/wallstreetbets
human
Dave Ramsey is a great “get out of debt” personality and a horrible “build wealth” personality. Most people really just need someone to yell at them to stop digging a deeper hole and to give them some sort of simple path to follow to get out of debt. Telling folks who needs this like “never use credit cards” is arguably great advice to people who obviously don’t know how to use them responsibly. Unfortunately you give people exceptions to rules and they will always find a reason why their thing is one of those exceptions. 

But yeah once your net worth is above $0 this guy is not helping anymore. But it’s great trash TV for when I feel like a financial regard myself.
gpt
Agreed.