Dave Ramsey Might Think I’m Crazy, But Here’s Why You Should Skip Your 401k Match – Forbes

Dave Ramsey Might Think I’m Crazy, But Here’s Why You Should Skip Your 401k Match – Forbes

Dave Ramsey has tons of excellent advice for families who want to ditch debt and start building real wealth, but I don’t agree with everything he says.

For example, Ramsey is notorious for saying credit cards are always bad news, and that nobody should use them.

I tend to disagree with that advice since I know for a fact plenty of people can use credit responsibly and wisely. Not only that, but most people need a credit score if they want to purchase a home or borrow money to start a business one day. 

Dave Ramsey also has some advice I don’t necessarily agree with when it comes to investing in a 401(k). According to Ramsey’s many podcasts and videos on the topic, workers should always invest in their workplace 401(k) up to the edge of their employer match.

That way, they can take advantage of the tax deductions they get for investing in a 401(k) and get their hands on the “free money” a match provides.

Personally, I think this advice
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