i find the ramsey show to be enlightening and fun to listen how in debt people actually are but yeah like they DO not agree with concepts such as ANNUITIES /precious metals & advocate for anyone under 80K a year in income or can even comprehend a non wage earner that is not really interested in fiat and fail to mention in totality manifesting and are really partial to hawking their own schemes and books etc but yeah they are against the lottery and would not even suggest someone have one or a few $300 credit cards like they say you should just go without like wtf just because you are worth over hundreds of millions of dollars and cannot manage a $300 credit card does not mean I cant lmao