[golfball7773]

I don’t know how much hype this topic will get but does anybody listen to both broadcast? I know that Clark is only on about 200 stations, but Dave as 500 stations.

I just am curious of people agree with more of a Clark Howard or Dave Ramsey. I feel that I fall in between on certain issues.

IE – Debt repayment, credit card usage, travel, etc

AUD - NINJA in Training
BEC - 86
FAR - NINJA in Training
REG - NINJA in Training

AUD - 71, 73

BEC - 74, 86

REG - 77*

FAR - 57

*expired

(I have been trying to become a CPA since 2013). only one test down.......

FAR: 63, 55, 62
REG: 65, 77*
AUD: Fail, 64, 71
BEC: 72, 74, 81

*expired

[taxman89]

i have never heard of clark. I agree with most of what ramsey says and honestly think his credit card advice is good (even though i dont follow it) because he is targeting people who have thousands and thousands of debt (and clearly cant handle credit cards) and so to tell them to just get rid of them is actually solid advice imo. I would be interested in hearing how clark differs from ramsey

AUD - 75
BEC - 77
FAR - 78
REG - 82

AUD: 61-67-75 (Thanks ninja aud)
BEC: 77
FAR: 78
REG:69-73-70-82

Aud-75 3x I knew i never liked you
Bec-77 1x being in the bubble is stressful
Reg-82 4x its not me its you...and no we cant be friends
Far-78 1x easiest section

[tomq04]

mrmoneymustache.com IMO

10% savings is nothing compared to saving 70% of your income 🙂

REG- (1) 76
FAR- (2) 64, (5)74, (7)83 (Over achiever!)
AUD- (3) 70, (4) 75
BEC- (6) 75

[jeff]

I haven't owned a credit card since 2005.

Debit cards do the same thing – except get you into debt.

AUD - 79
BEC - 80
FAR - 76
REG - 92

Jeff Elliott, CPA (KS)
NINJA CPA | NINJA CMA | NINJA CPE | Another71

[golfball7773]

^ Debit cards do not have the same protection on transaction that are not your that credit cards offer

AUD - NINJA in Training
BEC - 86
FAR - NINJA in Training
REG - NINJA in Training

AUD - 71, 73

BEC - 74, 86

REG - 77*

FAR - 57

*expired

(I have been trying to become a CPA since 2013). only one test down.......

FAR: 63, 55, 62
REG: 65, 77*
AUD: Fail, 64, 71
BEC: 72, 74, 81

*expired

[jeff]

Not true.

If you swipe it as credit – same protection.

AUD - 79
BEC - 80
FAR - 76
REG - 92

Jeff Elliott, CPA (KS)
NINJA CPA | NINJA CMA | NINJA CPE | Another71

[golfball7773]

Lawyered……………….#Ididn'tthinkofthat

AUD - NINJA in Training
BEC - 86
FAR - NINJA in Training
REG - NINJA in Training

AUD - 71, 73

BEC - 74, 86

REG - 77*

FAR - 57

*expired

(I have been trying to become a CPA since 2013). only one test down.......

FAR: 63, 55, 62
REG: 65, 77*
AUD: Fail, 64, 71
BEC: 72, 74, 81

*expired

[jeff]

🙂

AUD - 79
BEC - 80
FAR - 76
REG - 92

Jeff Elliott, CPA (KS)
NINJA CPA | NINJA CMA | NINJA CPE | Another71

[Knight4CPA]

@tomq04 – seconded on MMM – sad to say i stopped reading MMM articles to focus on CPA studies… will revist once this is all over with!

AUD: 70, 80✔ (Expires 1/18/2017 - / Ninja MCQ / CPAExcel MCQ)
REG: 61, 70, 75✔ (Expires 2017 - Ninja MCQ / CPAExcel MCQ)
BEC: 78✔(Expires 5/17/2017 - Ninja MCQ / Becker Flashcards / NinjaNotes)
FAR: 57 (just to get trigger time I scheduled 1 week after REG) Retake 5/13/16

[stoleway]

Both of them are really good with what they teach. Dave Ramsey basically frowns on debt and will like you to be debt free which is sometimes unrealistic in this capitalist economy. On the other hand, Clark Howard will advise you to build a good credit report by paying off your debt on time (Of course, Dave Ramsey will advise you to pay your debt on time, but don't ever call him to discuss about going into debt….its a NO NO for him)

I own a credit card not because I love to be in debt, but I like the fact that credit cards gives you points for purchases. I have not seen anyone become rich based on credit card points but I think it is wise to take advantage of the benefits that comes with owning a credit card. Just to prove to the credit card company that I can afford to make purchases without their card, I always pay off all my balance at the end of the month and I never incur interest charges but I do get points which is good.

REG -63│ 84!!
BEC- 59│70│ 71 │78!
AUD- 75!
FAR- 87!

Mass-CPA

[tomq04]

MMM's articles haven't been great this year (2014), but what he preaches is amazing advice and has the potential to change the world. Certainly has changed ours, and we have been effecting those around us.

REG- (1) 76
FAR- (2) 64, (5)74, (7)83 (Over achiever!)
AUD- (3) 70, (4) 75
BEC- (6) 75

[alboreland]

I think Ramsey is more about paying off debt and Howard focuses on more of the ways to get good deals and live a little more cheaply. I used to like Howard until I found out he's had millions for years. There is something about learning how to stretch the life out of a razor or when Target has the best sales from a guy that really shouldn't care.

And credit cards are great if you pay off the balance. I am able to buy Christmas presents with the cash back.

[taxman89]

“There is something about learning how to stretch the life out of a razor or when Target has the best sales from a guy that really shouldn't care.”

i dont listen to the guy but…..would you want to take financial advice from someone who is broke. clearly whatever he did in his life worked if he has millions (tho what “worked” could have been rich parents for all i know lol)

AUD - 75
BEC - 77
FAR - 78
REG - 82

AUD: 61-67-75 (Thanks ninja aud)
BEC: 77
FAR: 78
REG:69-73-70-82

Aud-75 3x I knew i never liked you
Bec-77 1x being in the bubble is stressful
Reg-82 4x its not me its you...and no we cant be friends
Far-78 1x easiest section

[fuzyfro89]

Both are targeting different issues that people have.

Ramsey addresses those who have had financial trouble in the past and advises on how to reduce financial risk and simplify your finances… not necessarily how to get rich (although that is an obvious byproduct of being debt free and frugal). His advice is geared more toward those who don't have the personal restraint to use debt/credit/whatever responsibly, or who may be tempted to go overboard.

Howard is more on frugal all things in life. How to buy the right type of insurance, get a good deal on a car, how to think about investments or deals that sound too good to be true… etc.

Some of their stuff overlaps as well, in fact, quite a bit does, but the problems they target are a bit different.

Both are fun to listen to. Personally, I have credit card limits of around 35k between two cards, but rarely spend more than 1k/mo, and haven't carried a balance in 7 years (since I got my first card). Ramsey would say chop it up, while Howard might offer advice on how to optimize rewards.

[golfball7773]

@fuzy – I would have to agree with that and also that they both want the same goal: financial freedom. How they define financial freedom is another story.

AUD - NINJA in Training
BEC - 86
FAR - NINJA in Training
REG - NINJA in Training

AUD - 71, 73

BEC - 74, 86

REG - 77*

FAR - 57

*expired

(I have been trying to become a CPA since 2013). only one test down.......

FAR: 63, 55, 62
REG: 65, 77*
AUD: Fail, 64, 71
BEC: 72, 74, 81

*expired

[StephAV]

The richest people I know are super cheapskates about certain things. I have an uncle (by marriage) who is a multi-millionaire. Lived in a track house, drove a Geo Metro, literally had 1 fork, 1 knife, 1 spoon, 1 bowl, 1 plate in his house before moving in with my aunt. His house had a bed and workout equipment… And I'm talking old dumbbells and possibly homemade/inexpensive workout equipment. Think jump rope for cardio… Completely self-made intense dude.

I personally have so much respect for people that have millions and still spend carefully. It is all about choosing what is important to you and not throwing money away on unnecessary stuff like the rest of us.

FAR - 7/13 - 72, 11/13- 74, 2/14- 82!!! Best score ever (for me)!!!
BEC - 1/14 - 75!!! Perfect score! First Pass! YAY!!!
AUD - 8/14 - 80!!!
REG - 5/14 - 72, 10/14 - 66, 1/15 - 78 - DONE FOREVER!!!
I did 5 of the UNA and CPAExcel classes to earn units.

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