@monsterislandcolonizer @PNS Trouble is they don't realize the advice isn't for him, so they sabotage themselves. I knew a guy who is a self-made sweat equity real estate investor. He wasn't a slum lord and just bought up properties near a university that were in terrible shape and worked on them nonstop to make them good and cheap for students. He refused to ever leverage (use any lending for this) even though he had 15-20% cap rates and could've upped his cash flow dramatically.
>“Dave Ramsey said not to take out unnecessary debt and...idk"
He couldn't grasp that Dave was talking to people who haven't built up a side business that earns more than their primary job and are financially illiterate despite decent incomes.