Dave Ramsey may be an expert at running a toxic company where employees aren’t even treated with basic respect, but when it comes to giving financial advice, he has a questionable background at best. Earlier this month, he gave some truly dumb advice to a woman whose husband got taken advantage of by a Kia dealer. And even if we ignore his stupid envelopes-of-cash system, that’s far from the only example of Ramsey giving bad advice. This time around, Yahoo reports he’s back on his “if you have a car payment, you’ll die alone, broke and miserable” bullshit.

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