Leaving wealth behind isn’t a bad thing if you have kids.
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Dave Ramsey’s plan is intentionally simplified because his focus is getting people out of debt and on the road to wealth. There is more behavior holding people in debt than bad math. He understands the math but his 7 baby steps are aimed at people who struggle with the bad habits and behavior that got them in trouble in the first place. People rationalize low interest debt and stay in the habit of relying on debt and stay poor.
For people who are disciplined , debt can be a tool. Most people can’t handle it though.
58% of Americans are living Paycheck-to-Paycheck
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We also share now with family, etcetera who are similar to us in age, when they can use it now. Otherwise, they may pass before we pass getting nada… .
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Are morons. 
Many people struggle. All types of people.
There are many high-salary people who spend beyond their means and live paycheck to paycheck.
Its not about intelligence. Its about breaking bad habits and getting disciplined and planning for a comfortable retirement.
As I get older, I care less about “keeping up with the Jones” .
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I’ve been in numerous large homes where the main level has beautiful high end furnishings but upstairs the family members are sleeping on air mattresses with plastic bins for their clothes.
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That is for sure among many people. I had a friend that said throughout his life; “I’ll be working in my retirement”. But he drove a Mercedes and made many trips abroad, etc. And didn’t seem to care about saving/investing for retirement until he was in his 60s even though I encouraged him to save.
You can lead a horse to water but you cannot make him drink… 
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Pandering for votes as usual
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