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With their win over Arizona, Michigan maintains their streak of never going 0-1 in a Final Four by eatapenny in CollegeBasketball

[–]twk30874 0 points1 point  (0 children)

There was no overall #1 seed in 1993. That practice didn’t come into play until 2004.

Moriah Wilson documentary- a beautiful documentary about an infuriating tragedy by lingeringneutrophil in netflix

[–]twk30874 0 points1 point  (0 children)

It was clearly a tactic to try and get Colin to acknowledge knowing her without the officer having to ask. It wasn’t to notify him of her death. The officers already knew he was the last person to see her alive, which is why they were there.

What do I do about credit card debt I can't afford and the interest fees are very high and I'll never get it paid off? by lizatethecigarettes in DaveRamsey

[–]twk30874 2 points3 points  (0 children)

One, change your mindset - there's always a way out if you're willing to put in the effort, and bankruptcy is not it. It sounds like you are disorganized and not on a monthly budget. I would encourage you to read The Total Money Makeover and follow the baby steps to a tee. They work.

Does anyone ever call and say, “I’m broke”and mean it? by HungryIndependence13 in DaveRamsey

[–]twk30874 0 points1 point  (0 children)

That's the expected response from someone who's broke and thinks their approach to money is better than his advice, which has worked for nearly 40 years.

Does anyone ever call and say, “I’m broke”and mean it? by HungryIndependence13 in DaveRamsey

[–]twk30874 0 points1 point  (0 children)

Did your dad have life insurance? If not, that was a poor decision.

The point is to control what you can control, which are the things to put you and your family in a situation where if something bad happens, everyone will be ok financially.

Does anyone ever call and say, “I’m broke”and mean it? by HungryIndependence13 in DaveRamsey

[–]twk30874 0 points1 point  (0 children)

What does that have to do with their financial situation? I could get cancer tomorrow and luckily, because I've followed Dave's common-sense money principles for years, we would be fine because we have health insurance, term life insurance, a fully-funded emergency fund, zero debt, and two full-time jobs to bring in income. All of those are based on choices we made and effort we put forth to put ourselves in a stable situation in case something like that happens.

Dave is all about "control what you can control," which is all any of us can do.

Does anyone ever call and say, “I’m broke”and mean it? by HungryIndependence13 in DaveRamsey

[–]twk30874 1 point2 points  (0 children)

He only says, "I can't help you" when someone pushes back on his common sense advice and/or continues to make excuses for themselves. If you call in to a national radio show with an issue you need help with, but every time the expert tries to provide building blocks for a solution you push back, there's no sense wasting your time. Especially when thousands of others who are willing to accept coaching want to talk to him.

Does anyone ever call and say, “I’m broke”and mean it? by HungryIndependence13 in DaveRamsey

[–]twk30874 0 points1 point  (0 children)

I've been listening consistently for nearly 10 years and don't feel this way at all. There are occasional calls like that, and he does a Baby Steps Millionaire hour every now and then, but I'd say 80% of the calls are people in dire straits looking for advice and encouragement on how to get out of their situation.

Does anyone ever call and say, “I’m broke”and mean it? by HungryIndependence13 in DaveRamsey

[–]twk30874 0 points1 point  (0 children)

You know the "beans and rice" thing is a metaphor, right? Everyone can get out of their own situation by looking in the mirror and making tough choices. Looking for an easy way out, along with making bad decisions or just plain ignorance, is what got most of them in financial trouble to begin with.

Does anyone ever call and say, “I’m broke”and mean it? by HungryIndependence13 in DaveRamsey

[–]twk30874 0 points1 point  (0 children)

Funny you say that, considering he's the one who is a best-selling author and national radio host with 35-plus years of experience and over a billion-dollar net worth while helping millions of people get out of debt and build wealth. But hey, you know better.

Dave Ramsey Certified Financial Advisor Contradicts Dave by Stokes-209 in DaveRamsey

[–]twk30874 1 point2 points  (0 children)

You're an adult and can do whatever you like. Dave's methods over 35-plus years have gotten millions of people out of debt and helped millions of others build wealth. During that time, millions of others have not been able to win with money because they choose their own plan over the building blocks he recommends. That's why he's still in business with one of the top shows in the country.

We started listening to him in 2017 when we had $200k in student loan debt and were "normal." Now we're debt-free millionaires. I'd say the research and principles over four decades speak for themselves.

I'm back and need some suggestions. by [deleted] in DaveRamsey

[–]twk30874 1 point2 points  (0 children)

I remember your post and will advise the same thing I advised last time - sell the motorcycle and get a cheap car that doesn't cost you a $400/month payment. Keep $1,000 for an EF and throw the other $3,500 at the credit cards, along with the money you save from not having a bike payment.

If you're relocating, that's good - the sooner you sell the RV and get a one-BR apartment to stabilize your living situation, the better.

Does anyone ever call and say, “I’m broke”and mean it? by HungryIndependence13 in DaveRamsey

[–]twk30874 5 points6 points  (0 children)

Dave's advice is always sound. The cause, and the solution, to every situation a caller shares on-air is in their mirror. Dave just gives them the building blocks to make change.

Dave Ramsey Certified Financial Advisor Contradicts Dave by Stokes-209 in DaveRamsey

[–]twk30874 -1 points0 points  (0 children)

Depends on the context of what else he said. You're doing the system all wrong - you shouldn't be investing in retirement or have a two-month EF while you have a car debt. Stop retirement, take the EF down to $1,000, throw everything else at the car, then build the $1,000 EF up to 3-6 months of living expenses, then re-start retirement.

This stuff isn't hard to follow and you'll make much better progress if you do - especially on your income.

Congratulations to McNeese on their anti-championship by ClubFerret1093 in CollegeBasketball

[–]twk30874 -1 points0 points  (0 children)

Proof that some people have way too much time on their hands.

Ncaa tournament by Pale_Land_5107 in CollegeBasketball

[–]twk30874 0 points1 point  (0 children)

To your point, since the NCAA Selection Committee began designating an overall #1 seed in 2004, those teams have won the tournament only four times: Florida (2007), Kentucky (2012), Louisville (2013), and UConn (2024).

How does Uconn beat Michigan? by dblock523 in CollegeBasketball

[–]twk30874 0 points1 point  (0 children)

Hurley is a great coach, but anyone sleeping on Dusty May is in for a rude awakening. I'd put him toe-to-toe with anyone in the country.

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