Dave Ramsey says get out of debt so a medical emergency isn’t also a financial one. Cool Dave.

But what if the medical emergency IS what created the debt?
He says get out of debt so you can buy a home. With what Dave?
The down payment I’ve been saving while rent eats 50% of my paycheck?
He says fill up the entire gas tank instead of putting a few dollars in.
I would love that Dave.
Right after I pay the $500 health insurance premium that comes out this Friday.
He says read the menu in order instead of price first.
Sir I am reading the prices because eggs are $7 and I have $40 until Thursday.
He says get out of debt so you can say yes to invitations.
I said no to the last three.
Not because of debt.
Because my rent went up $400 and I had to choose.
Dave Ramsey sells the dream of financial freedom like the only thing standing between you and it is discipline.
He never mentions the medical bill.
The layoff.
The predatory student loan.
The $9 minimum wage.
The $2,300 rent.
Discipline didn’t create this mess Dave.
And a budget worksheet isn’t going to fix it.