I've heard Ramsey's program and agree with a lot of what he says. However, most of the callers talk nonsense. Nobody pays off 75,000 dollars of debt within one year by picking up 2 additional hours per week at a 10 dollar per hour job. Also, as to the topic in general not all people get the same start in life and for quite a few people that is hard to imagine. Some people are escaping a very abusive home situation when they graduate from high school and take on more debt early in life and are trying to pay it back on entry level job wages which does not work. Then there are people who just are not equipped with knowledge about finances early in life and they unfortunately learn the hard way. I am not trying to make excuses but am just pointing out the world can be very complicated for many people. This point was made in one of the first farm management classes I took in college. The professor designed three imaginary farms on paper with similar basic features in terms of acreage, soils, and livestock enterprises. This was hot on the heals of the farm crisis in the early 1980's and one of the points was that just because the neighbor built a Harvestore silo and did not lose his shirt does not mean you will not lose your shirt if you do the same thing. That the neighbor is not going to clue you in as to everything it takes for him to do everything he does. Sure it seems simple enough to work within your own means but sometimes people use outsiders for templates as how to conduct their business and it can be a disaster depending on the situation.
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Today's Featured Article - A Question for Dads This recent topic from the Tractor Talk discussion board is being highlighted because it is an awesome display of the caliber of individuals that have made this site their own. The young person asking questions received positive feedback and advice from total strangers who "told it like it is" with the care many reserve for their own kids. The advice is timeless... so although it isn't necessarily antique tractor related, it will be prominently displayed in our archives to honor those who have the courage to ask and those who have the courage to respond in an honest, positive manner.
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