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The Rave Damsey Toddler Steps to Financial Slavery (The Anti-Dave Ramsey)

The typical, normal, American is broke.  Most view the Dave Ramsey plan as some kind of strange cult and hope those on the plan will come to their senses.  For decades, Americans have been doing the exact opposite of achieving financial peace, the Rave Damsey plan.

The Rave Damsey Toddler Steps to Financial Slavery (AKA: Normal in America):

#1 - Get your Over Draft “Privilege” down to minus $1,000 at your bank.

#2 - Apply for every credit card offer that hits your mailbox for as long as they keep sending them (don’t forget to sign up the dog and your dead relatives!).  Buy yourself a NEW car.  You deserve it since you breath air!

#3 - Rave Damsey suggests that you have a rainy day fund.  Be responsible!!!  Set aside 3 to 6 credit cards for your “emergency fund”.

#4 - Cash-out your retirement accounts.  Use this money to buy things you “need” like a new car, a high-def television, or a maybe that much needed family vacation.

#5 - Spend your kid’s college fund.  If there is no college fund, piggy banks will do the trick.

#6 - Get a 2nd or 3rd mortgage on your home.  If you have any equity, you’re not trying hard enough.

#7 - Invest in Zero Down Real Estate and try to guilt trip your friends and relatives on the Dave Ramsey plan to loan you some money (it won’t work, Gary Coleman).

Join Rave Damsey at his 70 year series on spending money you don’t have and being broke, Financial Slavery University (taught at a local bank near you) and be sure to pick up his latest New York Times Best Seller, The Total Money Meltdown.