Money-Man Dave Ramsey Sets His Followers Up For Failure

When you are a Christian with half a million Twitter followers, your tweets should be the product of careful consideration. Unfortunately I don’t think Dave Ramsey always does that, as this tweet shows:

Fill the glass of your life so full of doing good that there is no room left for dirt. The clean water displaces the dirt. (

But that’s not how it works. For those who belong to Jesus, the very people who make up the bulk of Mr. Ramsey’s readers and clients, we know that life is actually quite different.

In fact, Christians can’t fill themselves with good works and so “displace the dirt.” Jesus told his followers that trying to do so is just setting yourself up for failure because it’s impossible.

For I tell you that unless your righteousness surpasses that of the Pharisees and the teachers of the law, you will certainly not enter the kingdom of heaven. (Matthew 5:20.)

Remember that the Pharisees were the most righteous-living people in Israel at the time and yet Jesus said you can’t get to heaven unless you are even better at living righteously than they were.

So Mr. Ramsey wants us to make sure we’re clean by doing so much good that it displaces the bad?

Sorry Dave, that’s not how it works and never has been.

The Righteousness of Christ

The only righteousness we have in the kingdom of heaven is by the work of Jesus.

It is because of [God] that you are in Christ Jesus, who has become for us wisdom from God — that is, our righteousness, holiness and redemption. (1 Corinthians 1:30.)

… that I may gain Christ and be found in him, not having a righteousness of my own that comes from the law, but that which is through faith in Christ — the righteousness that comes from God on the basis of faith. (Philippians 3:8-9.)

Jesus’ blood is our only source of cleansing from our sins – or as Ramsey put it the displacing of the dirt in our lives. (Revelation 7:14.) No one in the New Testament claimed to have been able to do enough good works, to be able to fill themselves up with clean water that displaces the dirt.

Instead, we read a lengthy passage in Romans 7 of how even an Apostle of Christ repeatedly lost the fight against sin and failed to live righteously. (Romans 7.) That’s why he celebrated the gift of salvation and freedom that God blesses us with through Jesus:

What a wretched man I am! Who will rescue me from this body that is subject to death? Thanks be to God, who delivers me through Jesus Christ our Lord! (Romans 7:24-25.)

The Real Source of Clean Water Righteousness

We’ll never be able to fill ourselves up with clean water. God can do it for us though. He is the one who fills us with living water – the cleanest of the clean – and he does it not because of our efforts but for no other reason than that we belong to Jesus. (John 4:13-14.)

So should we seek to do good and not sin? Of course we should. (1 John 2:1-2.)

But should we try to fill ourselves with so many good works that we crowd out the bad, as Mr. Ramsey advises? Never going to happen. (Matthew 5:20.)

I bet Mr. Ramsey already knows this. So why would he tweet such works-based legalistic nonsense?

It only serves to set his followers up for certain failure.

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52 Responses to Money-Man Dave Ramsey Sets His Followers Up For Failure

  1. Jeannie says:

    Thanks, Tim — this is perfect for Monday morning, when we (ahem, I) might have all kinds of great “resolutions” for the good things I’m going to do this week, only to feel like a failure at 8:58 a.m. I think I’ll try to focus on God’s goodness today and not my own…

  2. Dave R may have done well in economics but apparently wasn’t paying attention in science class. Clean water cannot displace dirt: dirt is heavier. dirt displaces water–if you have a glass full of clean water and put dirt in, some water will slosh out and all the water that remains will be dirty. Even a glass full to the rim has “room” for dirt, which sinks to the bottom and contaminates all the clean water. After that, no matter how much more water you put in the glass, it will still be dirty water. it won’t “displace” the dirt. So the analogy doesn’t work. Unless it’s an illustration that explains how impossible it is to be good enough through legalism to save yourself by works. As you said, “God does it for us” and makes all things new.

    • Tim says:

      You’re like that show Myth Busters, Keri!. I love how you concluded with the truth of God’s grace removing all the dirt in our glasses.

  3. Agree with Keri ^^ that Ramsey’s example doesn’t make sense physically. Dirt + water = dirty water. However, I think the tweet could be taken to say, basically, keep busy doing good stuff and you won’t have much time to sin. And that is true. Also, you can get in the habit of doing good stuff, which makes it easier to keep on doing good stuff and easier to avoid doing bad stuff. . . . Our works are never enough without grace, but it’s still important to develop virtuous habits. But then I’m Catholic so perhaps we have fundamental differences on this point. . . . 😉 “Idle hands are the devil’s workshop” basically. Perhaps Dave should have tweeted that, instead.

    • Tim says:

      That is another way to read it, Laura Christine, thanks. I think it’s hard to square either reading with Romans 7, although there are other passages that give the same message you outlined. His tweet is not nearly as close to those passages as your comment, though. Thanks for the great insights.

  4. lauradroege says:

    I really don’t understand why Christian leaders aren’t more careful about what they tweet. They know the power of words, they know they are influencing thousands of people, and often, they know that theological nuances cannot be adequately conveyed in 140 characters or less. So why aren’t they more careful? (In most of these cases, they can’t blame their youth or immaturity for their impulsive/reckless tweets!)

    • Tim says:

      The carelessness with words reminds me of what I read in James last night about teachers and the tongue. I know 140 characters is limiting, but it’s a matter of working within the limitations and not blaming them for the failure to get the message across clearly. People who don’t know Jesus’ gospel of grace well can read something like that tweet and think it’s scriptural just because it comes from Dave Ramsey the famous Christian money guy..

  5. michellevl says:

    You’ve highlighted the subtle (or in this case, not-so-subtle) works orientation embedded in programs like Ramseys, as well as some of the other “fix your life so you get your best life NOW” products out there. Many of these financial or parenting or marriage programs have good stuff in them, but there’s an implicit promise that if we just follow the steps, we can displace sin in our lives somehow.

    Great post.

  6. Jeff says:

    Hi Tim,

    Your not suggesting that doing good is wrong .. right? Of course we cannot trade our good works to obtain God’s righteousness .. that’s only obtained through faith in Jesus Christ.

    There are a couple sections in James that come to mind that seem to point out the need for Christians to do more works … hearing and doing the word (1:19-27) and faith without works is dead (2:14-26).

    Thank you!
    Jeff

    • Tim says:

      I totally agree with all of that, Jeff. The idea that doing good will displace the bad is the sticking point I have with Ramsey’s tweet. That’s just bad doctrine no matter how you look at it.

      Jesus says he is the one who bears good fruit in us and washes us clean. Trying to fill our glass with clean water to displace the dirty water, to use Ramsey’s analogy, just doesn’t hold water scripturally.

  7. Brad says:

    I agree with Tim. Dave Ramsey also does not come across as authentic. Does he recognize his own depravity? I do not see the humility in the way he talks to his listeners on the radio. He himself went bankrupt, right?

    • Tim says:

      I have no information on his personal finances and want to avoid going there. But his tweet lacks scriptural foundation and can lead people away from the true gospel, and that is the real problem.

  8. Melissa says:

    If I had to guess, he probably was intending to convey the truth of Galatians 5:16 “But I say, walk by the Spirit, and you will not gratify the desires of the flesh.” That is, if he were to be given the benefit of the doubt. If agree that his quote could be interpreted in another direction. I happen to know he sits under proper Biblical teaching with respect to the topic. He also seems to speak a lot about the “victim” mentality and seems to show people that they can change their circumstances. He is also speaking to a mixed group of Christians and non-Christians, so much of what he says he probably tries to make relatable to a wide audience.

    • Tim says:

      Gal. 5:16 is about pursuing proper desires, a great pursuit, but filling oneself with clean water so as to displace the dirt is not biblical. He’s close but not there, and doctrine that is close is not right doctrine. I’ll give him the benefit of the doubt too yet still say that sloppy tweeting is a huge problem for someone with 1/2 million Twitter followers. Frankly, he has the responsibility to get it right or leave it unsaid.

      • Melissa says:

        I just don’t think that his tweet was meant to be spiritual advice per se. I interpret it as a simple southern homespun proverb and not to a direct correspondence to a spiritual doctrine nor an analogy to be dissected.

        • Tim says:

          I agree, Melissa, it sounds more like a home-spun proverb than anything else. Such proverbs should be avoided – especially by people with as many followers as Mr. Ramsey – when they don’t square with scripture.

  9. Shindwe! says:

    I didn’t read the Tweet the same way. Dave never said anything about righteousness. There are a number of ways that tweet can be read. EG: The Tweet can be read as: Whatever is good true, noble, of good report etc … think on these things.

    I find that choosing one thing is declining another. So if you choose a lot of good things, the bad is replaced and/or doesn’t get on the inside. That’s how I understood the tweet.

    It can also be read that you’re on a witch hunt. I do not like Dave Ramsey and have nothing at all to do with him other than being subscribed to his podcast which I hardly listen to. And, oh, I might do FPU some time. Dave isn’t my kind of teacher; I dislike his demeanour. But to jump on a Tweet that can have several meanings, paraphrase it into the worst one and then launch into a “sermon” is a bit much.

    • Tim says:

      Thanks, Shindwe. I see how you get there but I think my reading is more accurate when looking at Mr. Ramsey’s work in the context of the ministry he has offered for decades. In fact, if his tweet is read the way you suggest, I think it’s even worse because that would make his tweet actually totally meaningless. It then becomes just another stab at pop psychobabble self-help nonsense that anyone can promote. I was willing to assume he meant to honor Christ and just missed the mark, while with your reading he’s really just saying the same thing an afternoon talk show host would say.

      • Shindwe! says:

        In that case, I’d argue that it’s totally OK to use plain language — Jesus did. We Christians tend to over-spiritualise everything, I think. Yet what drew many to Jesus was that they could identify with him and he with them!

        I agree that you might be more correct, based on your knowledge of Dave Ramsey in general. My exposure to him is very limited, so when I read a post like this one it just seems like kicking a man who … has already been kicked.

  10. Mara says:

    Your explanation for this scripture is wrong…”For I tell you that unless your righteousness surpasses that of the Pharisees and the teachers of the law, you will certainly not enter the kingdom of heaven. (Matthew 5:20.)”

    HaMashiach’s point wasn’t that you cannot be more righteous than the Pharisees so don’t even try, the point was that you MUST do better than them because the problem was that the Pharisees would teach the law and tell others to do the law but they WERE NOT DOING THE LAW themselves. They were being hypocrites..Messiah wants us to DO the commandments, not just put on a front as if we are when we’re aren’t.

    • Mara says:

      That’s what Christians do..they refuse to keep the law and make excuses not to. Or worse, lie to people and tell them not to keep the law even though Messiah said “If ye love me, keep my commandments”..

      • Shindwe! says:

        Romans, Galatians and Hebrews contradict your argument, Mara. It’s not about what Christians do or don’t do but what the Bible says. The Law is fulfilled. You’re free to go back and revive it, or you can accept the grace and truth that you can have today.

        For the Law came by Moses, BUT grace and truth came through Jesus the Messiah. John 1:17.

        • Tim says:

          Thanks for covering this, Shindwe. Jesus’ spoke to the Pharisees in their perspective – Old Covenant. As he went on to explain after the Sermon on the Mount, the kingdom of God is not in keeping commandments but in the finished work of Jesus who fulfilled all commandments.

        • Mara says:

          That would make sense if only the bible wasn’t so redundant and constantly repeats itself.

          Even the last book of the bible revelations says ” Here is the patience of the saints: here are they that keep the commandments of God, and the faith of Jesus.” Rev 14:12. There is no way around that…What is sin according to the bible?

          1 John 3:4 “Whosoever committeth sin transgresseth also the law: for sin is the transgression of the law.”

          If sin is the breaking of Gods law and you claim the laws of God are invalid now then there cannot be sin if there is no more law. That’s basic logic. Also,

          Romans 3:31 “Do we then make void the law through faith? God forbid: yea, we establish the law.”

          1 John 2:3 “And hereby we do know that we know him, if we keep his commandments. 4He that saith, I know him, and keepeth not his commandments, is a liar, and the truth is not in him. 5But whoso keepeth his word, in him verily is the love of God perfected: hereby know we that we are in him. 6He that saith he abideth in him ought himself also so to walk, even as he walked.”

          Messiah kept the law. The bible speaks for itself. The Christian lie about not keeping the law was invented to keep the children of Israel in sin so they cannot enherit the earth as was promised to their forefathers.

          All of Messiah’s apostles kept the law even after Messiah left as well. They still kept the feast days, grew their beards, did not eat unclean foods etc.

          The only thing Messiah fulfilled in the law was the laws of animal sacrifice for sins. He became that sacrifice for the nation so that they that put their faith in him know that their sins would be forgiven if they repent and sin no more.

          The lies of the Roman church are crumbling and “Christians” have a rude awakening coming to them. Matt 7:22. Just saying.

        • Shindwe! says:

          Well, it’s too bad that you seemingly have a hatred for Christians. Anyway, I guess you’ve seen the Scriptures that say, “by two or three witnesses shall a word be established.” I’ll give you three (obviously) references: Deuteronomy 17:6, Deuteronomy 19:15 and 2 Corinthians 13:1. There are other references, but three are enough. That should explain why “the Bible is redundant and constantly repeats itself.”

          I’m quite certain you’ll be surprised at who gets the awakening, rude or otherwise.

          ION, I’d love to meet that person who “sins no more.”

        • Mara says:

          I understand why the bible is redundant. That wasn’t the point other than to point out that keeping the commandments is a requirement.

          Here it is again.

          1 John 5:3 “For this is the love of God, that we keep his commandments: and his commandments are not grievous.”

          The laws of God are not grievous nor impossible to keep. It’s not impossible for a man to grow his beard, to keep the sabbath day holy (which is friday sundown to Saturday sundown), for women to dress like women and men to dress like men. It’s not impossible to keep fringes on your clothing, to not deliberately bald your head, not to drink until you’re drunk, to keep the feast days that God established.

          By all means, give me one law of God that is impossible to keep. The bible says to prove all things.

          By regurgitating the same dogma and vain lies you make people stumble. You plant the idea that God’s law is impossible to keep so people don’t bother to do them when there is no evidence that any of the laws are impossible to keep.

          Yet you keep American laws and culture religiously without fail, but don’t dare to extend God the same curteousy.

          The point isnt that you will never ever sin for the bible says this.

          Proverbs 26:16 “For a just man falleth seven times, and riseth up again: but the wicked shall fall into mischief.”

          The point is that we are to strive for perfection in faith and repentance. Remember Paul said that he died to sin DAILY. It wasn’t an overnight thing. Though, what is perfect according to God’s word?

          Pslam 19:7 “The law of the Lord is perfect, converting the soul: the testimony of the Lord is sure, making wise the simple.”

          Keeping God’s laws is what makes you perfect along with faith in Messiah. Messiah never taught his own words, every sermon, every lesson he taught came from the Old Testament and even the Old testament speaks about his sacrifice. Messiah didn’t change the law or invalidate them in fact he himself said this.

          Matt 5:17 “Think not that I am come to destroy the law, or the prophets: I am not come to destroy, but to fulfil. 18For verily I say unto you, Till heaven and earth pass, one jot or one tittle shall in no wise pass from the law, till all be fulfilled. 19Whosoever therefore shall break one of these least commandments, and shall teach men so, he shall be called the least in the kingdom of heaven: but whosoever shall do and teach them, the same shall be called great in the kingdom of heaven.”

          Heaven and earth are still here and Messiah has not returned so all is not fulfilled therefore the law stands and if you continue to teach people not to keep the law you will pay.

        • Tim says:

          Mara, Paul never said he died to sin daily. In 1 Corinthians 15:1 he speaks of facing death daily in his efforts on behalf of the churches. He is not talking about dying daily to sin.

        • Shindwe! says:

          The three epistles above, to which I referred you, deal with your points. However, since you insist on a response:

          “By all means, give me one law of God that is impossible to keep. The bible says to prove all things.”

          The point is that nobody can keep all the Law all the time. And when you break one, you’ve broken all. That’s James 2:10.

          Meanwhile, if you at least believe that the OT is God-breathed, then ask yourself why God said: “The heart is deceitful above all things, and desperately WICKED: who can know it?” God himself doesn’t believe your claims on the follow-ability of the Law.

          Here’s another Scripture that makes my point:

          “but I see a different law in the members of my body, waging war against the law of my mind and making me a prisoner of the law of sin which is in my members. 24Wretched man that I am! Who will set me free from the body of this death? 25Thanks be to God through Jesus Christ our Lord! (wonder why?) So then, on the one hand I myself with my mind am serving the law of God, but on the other, with my flesh the law of sin.” Romans 7 (the same chapter that says the Law empowers, rather than disempowers, sin). The next verse is Romans 8:1 – There is no condemnation for those who are in Christ Jesus.

          So this is your idea of a kind and loving God? “Speak unto Aaron, saying, Whosoever he be of thy seed in their generations that hath any blemish, let him not approach to offer the bread of his God. For whatsoever man he be that hath a blemish, he shall not approach: a blind man, or a lame, or he that hath a flat nose (!), or any thing superfluous, Or a man that is brokenfooted, or brokenhanded, Or hunchbacked, or a dwarf, or that hath a blemish in his eye, or be scurvy, or scabbed, or hath his stones broken …”

          It’s a pity that you’re clamouring for these commandments. Are they not grievous? The same John whom you’ve quoted said: “My little children, I am writing these things to you so that you may not sin. And if anyone sins, we have an Advocate with the Father, Jesus Christ the righteous; and He Himself is the propitiation for our sins; and not for ours only, but also for those of the whole world…” 1 John 2

          The same argument I’ve presented here applies to your other Scriptures. If it were possible to keep his commandments, God wouldn’t need to renew his mercies every morning. When the Psalmist said, “How blessed is the man to whom the LORD does not impute iniquity, And in whose spirit there is no deceit!” he wasn’t just thinking wishfully. He was prophesying. The OT and NT both tell of these days when God will remember our sins no more.

          And lest you jump all over that last Scripture, “in whose spirit is no deceit” simply means being cleansed of an evil conscience by accepting our place as the righteousness of God, thereby rejecting the lie that we must still adhere to the Law. Read those three Epistles with an open heart.

          I’m not going to comment any further. Someone who’s unwilling to take his yoke and learn from him can use the Scriptures to justify anything. We see that all the time.

          I do find your attitude quite Pharisaical. Remember, he did not come to condemn the world. The Lord bless you and keep you.

        • Tim says:

          Mara, the commandments now are to love God and love others. Jesus said so, as did those who followed him and wrote the New Testament. If you want to keep the law, you are free to try. You’ll fail, though. And anyone who fails in one point fails in all, according to James 2:10.

          Jesus freed us from the law’s requirements, bringing us to the Father by his grace. That’s the good news of the Gospel.

    • Tim says:

      Mara, I hope that one day you will find the freedom from the yoke of the law, the freedom found in the finished work of Jesus which is given us freely through God’s grace. (Galatians 5:1.)

  11. Mara says:

    Lol you just cut yourself. 1 John 2 says we have Messiah as an advocate for our sins. The point is NOT to sin, and to strive not to sin. Not that it’s impossible to keep the law. That’s the whole point of repentence to turn away from your sin and keep the law. Smh.

    You still danced around the fact that you cannot show one law of God that is impossoble to keep. According to your logic since you cannot keep all the laws all the time then don’t bother keeping any. Death is knocking on your door with that lie. That’s like saying because you might not be able to pay all of your taxes everytime, you should never pay taxes at all. That is a dangerous attitude to teach.

    You are making excuses not to keep the law. If you stumble on one or two that doesn’t mean to just give up and don’t keep any of them, it means repent (confess it and ask for forgiveness ) and strive not to commit that same sin again. Like I pointed out before, the righteous man falls 7 times but he gets back up. The point is to get back up and sin no more in that area. Practicing the law is what roots it in you until it becomes second nature.

    Regardless of what you think, we will be keeping God’s law in the kingdom of heaven when Messiah returns and kills. The Kingdom of heaven on earth will be eatablished with the laws of God and you will keep them or Messiah will cut your head off and not blink twice. Heed the warning.

    • Tim says:

      Mara, I get it. You think we still need to keep the law. But the way you are expressing yourself is veering toward unkindness, which is not in keeping with Proverbs 15:1, Romans 2:4, or 1 Peter 3:15 (as well as this blog’s comment policy).

      Please be as irenic as possible.

      • Mara says:

        I don’t think the law must be kept, the bible says it. Don’t get confused. The scriptures bare witness multiple times.
        As far as irenic..

        Isaiah 58:1 – “Cry aloud, spare not. Lift up thy voice like a trumpet and shew my people their transgressions,”

        Proverbs 28:1 – “The wicked flee when no man pursueth: but the righteous are bold as a lion.”

        2 Corinthians 11:6
        “But though I be rude in speech, yet not in knowledge; but we have been throughly made manifest among you in all things.”

        I didn’t send for him, he/she came for me and I brought the correction. I won’t comment anymore after this.

        Galatians 4:16 “Am I therefore become your enemy, because I tell you the truth?”

        Truth hurts.

  12. Hester says:

    Coming over here late from the TWW conversation and reviving a dead thread that went pretty off the rails…

    Most of Dave Ramsey’s surface-level recommendations (avoid debt, live within your means, start saving for retirement early, etc.) are decent advice, but as you’ve said before, the details get pretty odd sometimes. And yeah, his theology is a species of prosperity gospel, it’s just more subtle than Osteen and company’s. He really de-emphasizes the multiple warnings in the Bible about dealing with and worshipping money, and implies that if you manage your money well, God will automatically bless you with more. Take, for instance, his statement that money is amoral, therefore it’s not a sin to be rich. It’s technically true, but he uses it to gloss over the fact that you can build wealth in a very sinful way and be highly successful. In other words, not everyone who is rich got there in an ethical manner. He also seems to always go with the option that makes the most money, no matter what, and uses misleading numbers to inflate his compounding interest charts (i.e., he wants to be able to tell people they’ll become millionaires if they put X amount of money in an investment fund, so he uses a 12% year-over-year interest rate instead of a more realistic 7%, which would land them in the hundred thousands instead of millions).

    As I said on TWW, I also worry that he doesn’t understand the difference between consumer credit, and public debt and the kind of loans used in agriculture, etc. It’s true that consumer credit is relatively recent and can (and is) badly abused by a lot of people. But what a lot of people don’t know is that Ramsey tells people not to invest in bonds (= public debt), because that would be encouraging and supporting debt. (Not making this up, my mom heard this in her FPU class last week. She has a B.A. in economics so she notices things like this.)

    • Tim says:

      I know some people like to point out that Ramsey tells people one reason to accumulate wealth is so they can use it to help others. helping people is consistent with the Bible, of course. but what comes across more clearly in his teachings is a lot of encouragement to become debt free and able to live well – and it is a pursuit of living well, since the standard he seems to use is an American standard of living, one of the highest in the world.

      It’s that part of his teaching that reminds me an awful lot of the barn-builder in Luke 12:13-21. Many commenters I’ve heard supporting Ramsey sound like they follow his teaching so they can take life easy (v. 19), about which Jesus said, “Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.” (Verse 15.)

  13. Greg Price says:

    Nice post Tim. On top of what you said, the works that Ramsey commends themselves do not meet a Christ-like standard. His “use your own bootstraps” teachings are a direct violation of the Matthew 25 doctrine (“so you do unto the least of these, so you do unto me/so you did NOT do unto the least of these, so you did NOT do unto me”). It also violates Acts 4, et al, which shows that the early Church was a functioning Communist system. Lastly, his rants about the evils of government/taxes violate Romans 13 (Christians should obey the government as it is God-appointed) and the famous Matthew 22:21 et al (“Render unto Casear that which is Caesar’s”).

    @ Mara: does that mean you stone adulterers and kill “witches” then? Those also are part of Mosaic law.

    What you do not understand is that Christ’s sacrifice abrogated much of Mosaic law. Christ himself showed the example during his encounter with the Adultress at the Well. Yes, we are supposed to try not to sin and to keep the Commandments. But those efforts are in vain, because inevitably we WILL sin and/or not keep one or more Commandments, as we are fallen human beings. Our salvation (and our prosperity/lack of prosperity) is no longer (if it ever was…ask Job what he got for keeping all the Law) tied to keeping Law, but to the grace of God through Jesus’ sacrifice. In fact, Jesus often pointed out that life would be HARDER for the devout because they were devout, not easier. This is in direct contradiction to Ramsey’s claim that if you keep Law A, B, C, etc then God will automatically make you rich and prosperous.

    • Tim says:

      Good points, Greg, and I would add that the law we are to keep under the NT is the law of love, not rules or commandments as they were understood in the OT.

      • Greg Price says:

        Thank you Tim. As an adjunct to my above posts, I wonder if Ramsey would approve of the Mosaic law declaring Jubilee Years, where all debts were forgiven, all bondage contracts released, etc, allowing people and families to have a fresh start…somehow I think he wouldn’t. He’d probably try to dodge by saying something like “You shouldn’t be in debt to begin with”, which from his PoV may be true, but he’s real strict on hating bankruptcy and always paying debts you do have in full, regardless of any other consideration.

        Speaking of Christ-like behaviors and Ramsey, have you read this?

        http://www.thedailybeast.com/articles/2014/05/29/spies-cash-and-fear-inside-christian-money-guru-dave-ramsey-s-social-media-witch-hunt.html

        • Tim says:

          I do remember that post from last year, Greg. It made my eyes pop.

          On Jubilee Years and bankruptcy, Mr. Ramsey would have to reject jubilee if he rejects bankruptcy because jubilee is a complete abolition of debt while bankruptcy at least tries to get debts partially repaid. If partial repayment is out, then wiping the slate clean is really out. (Which is odd, since Jesus did the ultimate slate wiping on our behalf.)

          It seems to me that Mr. Ramsey picks and chooses his verses, and gets creative on how to interpret them. He also misses the gospel in doing so.

        • Greg Price says:

          Agreed. Though Ramsey is hardly alone. Most American Christians (and nearly ALL Right Wing or “Fundamentalist” Christians) are very much “cafeteria Christians” when it comes to the Social side of the Bible (both Testaments).

          Most damning take down of “Supply Side Jesus” as a concept (as he’s been come to be called) isn’t even written BY a Christian, much to out shame:

          http://www.right-wing-pseudo-christians.com/matthew-25.htm

  14. Andy says:

    The InControl Financial Podcast is much more refreshing to listen to as a Christian struggling with debt and other personal finance hurdles. It’s on iTunes – I actually found it searching for “dave ramsey” but you can get to it by just searching the name of the podcast.

  15. Jon Hayes says:

    Your a fool.

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