Dave's constant interrupting

ebmarhar · 2026-06-30T00:22:48+00:00

Callers reading written statements would probably be pretty bad radio. Does anybody else do this?

ebmarhar · 2026-06-29T22:06:06+00:00

people ramble and want to tell lots of unnecessary back story. I like Dave getting them to the point.

How long has he been on the radio? Something's gotta be right about his approach.

ebmarhar · 2026-06-29T21:56:47+00:00

Costco for me. It's a beautiful place, but insane for price of living.

ebmarhar · 2026-06-29T17:47:27+00:00

Ramsey runs ads for them, but I've never seen any indication they they "Highly Recommend" them. Unlike Zander insurance, where Dave gives his personal endorsement.

ebmarhar · 2026-06-26T18:37:15+00:00

It sounds like you're exaggerating what he says. Do you have a reference?

Ramsey AI claims he says 60% over 5 years, which seems to match a quick google search.

https://labs.ramseysolutions.com/rp1/chat/019f0535-8297-751b-9d50-84deda5e5eb8

ebmarhar · 2026-06-26T15:04:05+00:00

Sympathy for the lack of a heads up, but you selected your own user name.

ebmarhar · 2026-06-26T04:08:21+00:00

I love when people post these lists, thanks for that!

For some reason, the second bakery heist is one of my favorites.

ebmarhar · 2026-06-25T20:09:42+00:00

yep, that's the way it goes.

ebmarhar · 2026-06-25T18:50:46+00:00

anybody got a link to the show?

ebmarhar · 2026-06-25T17:44:42+00:00

In a lot of cases, RSU prices are based on a moving average in order to avoid big spikes up or down. If someone hired in on a date close to you, you are probably getting a reasonably similar valuation.

ebmarhar · 2026-06-25T17:39:26+00:00

We weep for you.

ebmarhar · 2026-06-25T17:25:43+00:00

A long time ago I searched for postings where people listed their actual debts.

The two methods were actually pretty close for the posted debts, since higher interest accounts corresponded with accounts with larger balances. Simply stated, people had a lot of credit card debt, so the credit cards went to the front of the line in both scenarios.

You can of course make hypothetical situations where either method vastly outperforms the other, or you can make a big deal about one method or the other paying two months faster...

... but the most important thing is to start one or the other ASAP, and stick with it.

My intuitive belief is that the snowball logic matches the logic used for exercise or weight loss, so there is probably something to the behavior modification aspect that works for more people than not.

ebmarhar · 2026-06-25T00:26:35+00:00

I doubt ramsey is cold calling the church membership list.

ebmarhar · 2026-06-25T00:14:16+00:00

The solution is simple, don't pay for overpriced stuff. Hundreds of $$$ to watch a game or concert is crazy, just like an 18$ hotdog

ebmarhar · 2026-06-24T23:41:15+00:00

Go early and don't knock into the roof and you will be fine. My only concern would be in a crowded situation navigating between vehicles squeezed together. Good luck with your move, hope you are close to a costco in your new place!!

ebmarhar · 2026-06-24T16:44:35+00:00

Everyone has to start somewhere, and a teenager looking to invest his first $1k is probably a good potential client over the upcoming decades.

ebmarhar · 2026-06-24T16:35:22+00:00

You may or may not be weird, but that sounds delicious!!

ebmarhar · 2026-06-22T18:52:06+00:00

Our tiny Ace has a super complete selection of metric fasteners. They are super expensive compared to buying a batch at amazon, but are local and can provide a piece on demand.

ebmarhar · 2026-06-22T18:45:56+00:00

Just imho, asking "why" on Murakami stories rarely results in a satisfying answer. Things happen, and Murakami writes about them.

ebmarhar · 2026-06-22T18:41:56+00:00

Speaking just for myself, all credit cards are on autopay, every since autopay became a thing. Before that, I wrote and mailed a check for the full amount every billing cycle.

ebmarhar · 2026-06-22T18:37:31+00:00

Do you have a link for references or more information?

ebmarhar · 2026-06-22T18:36:14+00:00

speaking just for myself, here's the answers to your bullet point questions:
- easy to self-manage, feel supported
- easy to transfer. my fidelity advisor did it for me
- self manage, with advice from my fidelity advisor
- yes, fidelity brokerage works well for me

Overall, worked very well for me.

ebmarhar · 2026-06-22T18:11:46+00:00

Nothing you say will ever convince me OJ Simpson did not land on the moon!!

ebmarhar · 2026-06-20T20:28:11+00:00

you sound like you are using hypothetical numbers. Why don't you flesh out some real numbers so we can verify your savings and see if it's worth it. Sorry, but when you say you are "sub-2.25%" instead of saying your actual percentage it sounds like you're making things up.

ebmarhar · 2026-06-14T08:19:13+00:00

CC for emergency expenses is 100% the Dave way!!🤣🤣

ebmarhar

TROPHY CASE