{"id":17341,"date":"2020-11-04T22:19:00","date_gmt":"2020-11-05T02:19:00","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=17341"},"modified":"2020-11-21T15:04:52","modified_gmt":"2020-11-21T19:04:52","slug":"dave-ramseys-tips","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/dave-ramseys-tips\/","title":{"rendered":"Dave Ramsey&#8217;s Tips: 2 Obstacles You Must Overcome"},"content":{"rendered":"\n<p>What are Dave Ramsey&#8217;s tips for financial health? How do Dave Ramsey&#8217;s tips help you <a href=\"https:\/\/www.shortform.com\/blog\/how-to-overcome-obstacles\/\">overcome obstacles<\/a>?<\/p>\n\n\n\n<p>Dave Ramsey&#8217;s tips are focused on a variety of issues related to controlling your money. <em>Total Money Makeover<\/em> identifies the obstacles you need to overcome to get on the path to financial health.<\/p>\n\n\n\n<p>Read on for more about Dave Ramsey, tips for financial health, and the obstacles that may be in your way.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Dave Ramsey: Tips and Obstacles<\/h2>\n\n\n\n<p>Besides the <a href=\"https:\/\/www.shortform.com\/blog\/myths-about-debt\/\">myths about debt<\/a> and money and denial that you have a money problem, there are two more obstacles to a Total Money Makeover: lack of <a href=\"https:\/\/www.shortform.com\/blog\/personal-financial-literacy\/\">financial knowledge<\/a> (ignorance) and peer pressure (overspending to \u201ckeep up with the Joneses\u201d).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Financial Ignorance<\/strong><\/h3>\n\n\n\n<p>Ignorance about money makes some people defensive, but financial knowledge isn\u2019t something you\u2019re born with\u2014it\u2019s a skill you need to learn, like how to drive a car. If you give the car keys to someone who doesn\u2019t know how to drive, they\u2019re going to crash the car. Trying again harder isn\u2019t the answer\u2014it\u2019s getting proper training. The same is true of money management\u2014people make financial mistakes due to lack of training.<\/p>\n\n\n\n<p>We\u2019re educated in how to earn money, but not in what to do with it. Given that the average family in the U.S. makes over $2 million in a lifetime, high schools and colleges should be teaching personal finance. If you haven\u2019t learned financial management, you still can by doing the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Acknowledge that finance is something you were never taught.<\/li><li>Read the rest of this book.<\/li><li>Resolve to learn about handling money.<\/li><li>Read regularly about financial management and attend an occasional seminar.<\/li><\/ul>\n\n\n\n<p>For Dave Ramsey, tips for this obstacle focus on analogizing this problem to other life issues. You\u2019d take similar steps to <a href=\"https:\/\/www.shortform.com\/blog\/how-to-improve-your-marriage\/\">improve your marriage<\/a>, by reading and attending a class or retreat. You don\u2019t need to <a href=\"https:\/\/www.shortform.com\/blog\/become-an-expert\/\">become an expert<\/a>, but you should spend as much time on your 401(k) options as you do planning your vacation. Remaining ignorant will just keep you poor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Dave Ramsey&#8217;s Tips About Peer Pressure<\/strong><\/h3>\n\n\n\n<p>Most people <a href=\"https:\/\/www.shortform.com\/blog\/desire-to-fit-in\/\">want to fit in<\/a> and look successful to others, which can mean overspending to live a showy lifestyle. For Dave Ramsey, tips are related to the mindset about your lifestyle.<\/p>\n\n\n\n<p>However, going into debt to impress friends and neighbors who also are in debt isn\u2019t success. If you want to be truly successful, you should learn and emulate the habits of wealthy people, not financial fakes.<\/p>\n\n\n\n<p>Professor Tom Stanley studied the lifestyles of millionaires in the 1990s. He writes in <em><a href=\"https:\/\/www.shortform.com\/blog\/the-millionaire-next-door-book\/\">The Millionaire Next Door<\/a><\/em> that, contrary to what most people think, the typical millionaire lives modestly in a middle-class home, drives a used car paid for with cash, and buys clothing from discount stores.<\/p>\n\n\n\n<p>Unlike those who spend to keep up with the Joneses, wealthy people don\u2019t strive for approval, but for financial security, by living below their means so they can grow their wealth. (Shortform note: <a href=\"https:\/\/www.shortform.com\/app\/book\/the-millionaire-next-door\/1-page-summary\">Read our summary of <em>The Millionaire Next Door<\/em> here<\/a>.)<\/p>\n\n\n\n<p>In contrast, because of debt, average people often have a negative net worth. It\u2019s hard to change when you like your nice things and you don\u2019t want to admit to yourself or others that you\u2019re broke.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.shortform.com\/blog\/the-total-money-makeover\/\">The Total Money Makeover<\/a> requires giving up the drive for approval and undergoing a change of heart about how you view spending and debt. For example, it might require that you stand up to your family and reject the tradition of going into debt to buy a Christmas gift for each extended family member.&nbsp;<\/p>\n\n\n\n<p>In addition, <strong>you need to recognize your weak spot, where you can\u2019t seem to <a href=\"https:\/\/www.shortform.com\/blog\/how-to-spend-less-money-2\/\">stop overspending<\/a>.<\/strong> Everyone has one\u2014for example, excessive clothes shopping, giving money to adult children, or buying expensive vehicles. Until you acknowledge your weakness, you\u2019ll be susceptible to temptation in that area.<\/p>\n\n\n\n<p>Ramsey\u2019s weak spot was cars. He got a Jaguar (with the help of a cosigner) because he thought it would bring him respect and admiration. Even after going broke, he kept the car but couldn\u2019t afford the upkeep or payments. His cosigner finally quit making payments and Ramsey was forced to sell the car a day before it was to be repossessed.&nbsp;<\/p>\n\n\n\n<p>Eventually, he straightened out his financial mess and realized the harm he\u2019d caused for the sake of a status symbol. He renounced status cars and began buying only common used cars with cash.&nbsp;<\/p>\n\n\n\n<p>If you\u2019re doing anything with money in order to win respect, you still need to change at heart before you\u2019ll succeed in a Total Money Makeover.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are Dave Ramsey&#8217;s tips for financial health? How do Dave Ramsey&#8217;s tips help you overcome obstacles? Dave Ramsey&#8217;s tips are focused on a variety of issues related to controlling your money. Total Money Makeover identifies the obstacles you need to overcome to get on the path to financial health. Read on for more about Dave Ramsey, tips for financial health, and the obstacles that may be in your way.<\/p>\n","protected":false},"author":6,"featured_media":18010,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[31,43],"tags":[147],"class_list":["post-17341","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money","category-self-improvement","tag-the-total-money-makeover","","tg-column-two"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dave Ramsey&#039;s Tips: 2 Obstacles You Must Overcome - Shortform Books<\/title>\n<meta name=\"description\" content=\"How can you overcome the obstacles to financial health? From Dave Ramsey, tips include not comparing yourself to others and gaining knowledge.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.shortform.com\/blog\/dave-ramseys-tips\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dave Ramsey&#039;s Tips: 2 Obstacles You Must Overcome\" \/>\n<meta property=\"og:description\" content=\"How can you overcome the obstacles to financial health? 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