I was reading some threads suggesting that Dave Ramsey speaks about 12% return on investment over time. Now, there have been years when my returns have been far better than 12%, even over 100%. But, those were not without significant levels of risk. I am hesitant to track my financial model through Early and Full retirement at anything more than 4% over inflation. Too conservative
I like DR's idea of living within your means.... but unlike Dave I don't believe all debt is a no-no.
I have actually signed up for one of his classes, Financial Peace. My interest in this class is further thoughts on budgeting for Early Retirement... and to help my spousal equivalent who is not where she needs to be with her money matters.
Any other Dave Ramsey thoughts out there?
I like DR's idea of living within your means.... but unlike Dave I don't believe all debt is a no-no.
I have actually signed up for one of his classes, Financial Peace. My interest in this class is further thoughts on budgeting for Early Retirement... and to help my spousal equivalent who is not where she needs to be with her money matters.
Any other Dave Ramsey thoughts out there?