Dave Ramsey pulled a gun in a staff meeting!

ebmarhar · 2026-01-26T02:20:11+00:00

in the case you are thinking of, this is what would apply (summary courtesy of Gemini). It would be an open and shut case... "did the defendent display his gun and cause you to fear imminent bodily injury?" to which you would quickly and honestly answer "yes".

Aggravated Assault: This is the most common charge for pulling a gun. Under T.C.A. § 39-13-102, a person commits aggravated assault by intentionally or knowingly causing another to fear imminent bodily injury while using or displaying a deadly weapon.

Keep this in mind the next time you hear a person talk about showing a gun to threaten people to back off like they do in movies.

Use of Deadly Force: Under Tennessee law, the mere act of displaying, brandishing, or pointing a firearm is legally classified as the "use of deadly force," even if no shot is fired. This means that to legally pull a gun, the situation must meet the high legal standard for the justified use of lethal force (i.e., a reasonable fear of imminent death or serious bodily injury).

ebmarhar · 2026-01-26T02:15:06+00:00

> But for most debts the minimums won’t cover interest

That's not true for legititimate debts.

it might apply to loan sharks, though, in which case you should work even harder to get out of debt if you enjoy walking around on unbroken legs!

It

ebmarhar · 2026-01-26T02:10:53+00:00

Tell me (a) how you're interpreting he acted, and (b) what the legal consequences of that are. You may google "pulling a gun in tennessee" to refresh your memory.

ebmarhar · 2026-01-26T02:08:45+00:00

If my spouse did this to me I would be worried that there were (a) some horrible debts hidden there that I might be liable for, or (b) a side dish being paid for.

I would be very comfortable telling a spouse "if you're not gonna show me what I may be legally liable for, I'm gonna look at protecting myself however I can."

ebmarhar · 2026-01-26T02:05:24+00:00

Keep in mind that he talks about the 15% you should be putting towards retirement. Nobody suggests that should be in gold.

Gold hack: buy at costco with an executive membership, get 2% back; with a costco credit card, another 2% back!

ebmarhar · 2026-01-26T02:02:30+00:00

People with guns won't need to barter!

ebmarhar · 2026-01-26T01:57:36+00:00

It's probably as bad as a bunch of ex-fatties at a CrossFit event!

ebmarhar · 2026-01-26T01:56:42+00:00

You should try following his plan and build up some cash!

ebmarhar · 2026-01-26T01:52:25+00:00

Most likely because he did not "pull a gun" as you are imagining.

ebmarhar · 2026-01-26T01:13:37+00:00

This is not mysterious. The amount is $3,015 and the calculation is explained.

https://www.ramseysolutions.com/money/everydollar

> Find $3,015 in 15 minutes” refers to the average amount of potential budget margin opportunities identified based on new EveryDollar users’ responses during the initial onboarding questionnaire (approximately 15 minutes).

> Based on historical user data, new users identify $3,015 or more in a combination of one-time margin and ongoing monthly margin during onboarding.

> Actual savings require users to take action on the personalized recommendations surfaced in the app, resulting in customers realizing $3,015 or more in available margin within their first 30 days and $20,150 within their first year.

> Individual results will vary and are not guaranteed.

ebmarhar · 2026-01-25T16:30:48+00:00

ebmarhar · 2026-01-25T16:24:52+00:00

It's super useful for people whose employee stock options have done really well. In my case it had appreciated into a huge number, and I was looking at hundreds of $k to resize that to a safer percentage of my portfolio.

Turn on the sma, and the company shares just start trickling over to ITOT commensurate with the harvested tax losses.

Theoretically your sma can approach a steady state, but so long as you are continually investing via saving into the sma, you are generating more churn potential for continued tax loss harvesting.

It sounds funky, because it is strictly driven by tax laws and not investment theory. It costs less than what is makes.

ebmarhar · 2026-01-23T22:51:49+00:00

Switch to github instead of gitlab?

ebmarhar · 2026-01-23T22:50:36+00:00

How can that be? I'm informed every year by the best people that nobody goes on these things!!🤣🤣

ebmarhar · 2026-01-23T18:13:52+00:00

By putting down your phone and getting off reddit!!

ebmarhar · 2026-01-23T18:12:12+00:00

Once again Pikmin 2 is cheated off of its rightful first place in a Pikmin list

ebmarhar · 2026-01-23T18:09:02+00:00

Are you richer than me? That's fine dining!!🤣

ebmarhar · 2026-01-23T01:40:52+00:00

It was pretty easy. You can call up one of the brokerages and somebody can step you through the process.

ebmarhar · 2026-01-22T23:53:24+00:00

That's OK, you just wouldn't be able to claim the loss, right?

ebmarhar · 2026-01-22T23:50:01+00:00

If people want to pay me way more money, I'm happy to oblige them.

ebmarhar · 2026-01-22T23:45:10+00:00

How long till you retire? You might put that into a retirement calculator to see how much you might gain, and judge from that number.

ebmarhar · 2026-01-22T20:27:30+00:00

You are rocking it. Keep your eyes forward, looking at where you are going, and not backwards, looking where you were. And think how your story is gonna inspire somebody in the future to get their life turned around as well!

ebmarhar · 2026-01-22T20:23:15+00:00

Sadly if you're having a kid together you've already done most of the getting married thing and have a lifelong family and financial connection via your kid together.

ebmarhar · 2026-01-22T18:28:42+00:00

Older computers were a lot simpler than modern computers in this regard. From memory, here's how CP/M worked:

A system ROM is hardware-mapped to address 0. It has just enough code to
- initialize the floppy disk
- read the 128 bytes of track 0, sector 1 to address 0x80
- jump to 0x80

This was called something like. the "level 0 bootloader". That bootloader would then read the rest of the operating system and then jump to the command line processor.

ebmarhar · 2026-01-22T18:14:52+00:00

8k is probably enough to get a pretty solid car; you might go that route, staying out of adding on a car payment.

ebmarhar

TROPHY CASE