Finding Common Ground with Dave Ramsey: Valid Points in the Whole Life Insurance Debate

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Ramsey has done amazing work teaching people how to budget and get out of debt. His retirement advice has always been sketchy to me. The 11% ROI he uses for a 401k is based on an average. It's a misleading number to use to compare to any other financial instrument b/c he does the math as if it were exponential and you get 11% every year. When in reality the returns can fluctuate wildly.

MrSachmoe