nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,581
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Post by nidena on Jan 21, 2021 18:51:49 GMT -5
I became a WIRR on the MSN Money Boards in 2007. Four years later, I took Financial Peace University. I had been tracking my debt for four years but all the budgeting tools I attempted to use, sucked. The Zero-Dollar budget is really good and I still use it today, ten years and 120 Excel tabs later. His Baby Steps are great for those just starting out but, like so many have said on other boards and comments here, you eventually find your own way and/or outgrow his "must dos".
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buystoys
Junior Associate
Joined: Mar 30, 2012 4:58:12 GMT -5
Posts: 5,650
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Post by buystoys on Jan 21, 2021 19:20:00 GMT -5
One of the things that bothers me the most is that he encourages people to use "his" resources for financial planning and investing. I looked at one of the guys one time and was shocked at what he sold. Lots of high load funds and I'm not certain any of them did any real growth over time. Certainly not after you counted your load dollars in the mix. He'd be doing so many people a service if he'd just tell them to find someplace with low or no load funds.
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ajmom
Initiate Member
Joined: May 7, 2017 12:46:28 GMT -5
Posts: 62
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Post by ajmom on Feb 25, 2021 18:56:41 GMT -5
I think he is great for some people who have no clue and are deeply in debt. Once they figure things out, Dave R is really not needed —especially his investment stuff. Best to go on Bogleheads website to learn about investing once you dig yourself out of debt.
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