Millions swear by Dave Ramsey’s advice—but what if following it blindly is costing you more than you realize?
In this episode, Steve opens up a respectful but honest conversation about:
– Why Dave’s advice works for some… and hurts others.
– The hidden cost of the “pay it all off first” mindset.
– Why relying only on debit cards might be riskier than you think.
– What the U.S. Constitution says about bankruptcy (yes, really).
– How lost retirement time can quietly rob you of a million dollars.
– The moral guilt around debt—and whether it’s helping or harming you.
We’re not here to bash Dave—we’re here to question what’s right for you. Because financial freedom doesn’t come from one-size-fits-all advice. It comes from critical thinking, compassion, and math that actually works.
🧠 It’s not about rejecting everything Ramsey teaches—it’s about making room for options he often leaves out. Like legal bankruptcy relief, better credit habits, and protecting your future instead of punishing your past.
This isn’t a takedown. It’s a talk. And if you’ve ever felt overwhelmed trying to “do the right thing” financially, this might be the episode that finally sets you free.
🎧 Listen in and decide for yourself.
Here are the two links I mentioned in the podcast:
Coach CarlCarl Lawrence AKA Coach Carl Private Investigator Extraordinaire has been in the transportation industry for over 20 years. I was driving cab in New York City before Uber was ever a thought.
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Coach Carl
