Who’s Dave Ramsey??? Debt Free Community Tag!

TL;DR

Justine answers questions about Dave Ramsey, finances, and future goals in the debt-free community tag.

Transcript

heyyo Justine yo have you heard of Dave Ramsey the call of duty for Embassy teams Ramses II yeah I've heard of them so I got this tag you mean like a YouTube tag no like this tie right here I got this what you made that yourself okay yeah I made this myself whatever okay I got tagged in my first youtube tag video by budget girl definitely check out... Read More

Key Insights

• 🫠 Justine's introduction to Dave Ramsey came through her parents and reading his books.
• 💳 She rejects the notion of needing a credit card for good financial standing.
• 🥶 Giving up sit-down restaurants was a challenge during her debt-free journey.
• 💳 Justine explains her deviation from Dave Ramsey's baby steps due to her use of credit cards and starting businesses.
• 🥅 Future goals include increasing retirement savings and contributing to organizations like Wounded Warrior Project and Save the Elephants.
• 🥶 Justine tags another YouTuber to answer the debt-free community questions.
• ❓ She emphasizes the importance of sharing financial experiences to promote growth.

Questions & Answers

Q: How did Justine originally hear about Dave Ramsey, and what were her initial thoughts?

Justine first heard about Dave Ramsey from her parents, who took his class. Initially, she thought he was an older white man with a sassy attitude but grew to appreciate his financial advice after reading his books.

Q: What is the craziest financial advice someone gave Justine that she had to ignore?

Justine had to shrug off advice recommending getting a credit card to build credit for a car loan, a practice she does not believe in and avoids.

Q: Which place was the hardest for Justine to give up shopping or eating at during her debt-free journey?

Justine, being a self-proclaimed foodie, found it difficult to give up sit-down restaurants during her debt-free journey but managed by opting for fast-casual dining options.

Q: What future goals does Justine have regarding her finances on Dave Ramsey's baby steps?

Justine reveals she has a 529 plan for future kids, saving for a down payment on a home, and aims to increase her retirement savings beyond 12.5%.

Summary & Key Takeaways

• Justine shares her initial thoughts on Dave Ramsey, learning about him through her parents and reading his books.

• She dismisses the idea of needing a credit card for a credit score to buy a car.

• Justine discusses giving up sit-down restaurants during her debt-free journey and her progress on Dave Ramsey's baby steps.