30% / 0% / 70%

Honestly, makes sense, the active voice version is just… more efficient and easier to parse quickly.

Ah, he recommends saving 1000$, then tackling your debt, then building to 3-6 months expenses. Which is… fine, I agree with the principle of it, but that number is definitely one of those things I’d consider being more flexible with. The amount I think you should save before tackling your debts depends on a lot of factors.

I also don’t necessarily agree with saving that amount in two blocks, we personally saved 1000$, paid the most pressing card off, and then saved another 1000$. I think it makes sense to adjust that minimum emergency fund number as your situation evolves.

Just another case where I find he works fine as a starting point, but where most people shouldn’t follow his advice to the letter.

Mmm, excellent addendum to my proposed changes. 1000$ is better than nothing, but it hasn’t really kept up with inflation, and circumstances really change things. For example, if you have a house, the potential opportunity and cost of an “emergency” goes up immensely.

But yeah, for us personally we pretty quickly went up to a 2000$ emergency fund, despite the relative stability of renting and driving a fairly new car. We’ll be working on our 3-6 month expense emergency fund soon. I definitely think it’s better to view the baby steps as flexible guidance on a starting point, rather than the concrete law they frame it as.

I think I have an interesting perspective here, as someone who did kinda get their finances under control thanks to a Dave Ramsey course, and later had the unpleasant experience of discovering how much of a right-wing idiot he is during COVID.

Something I’ve noticed is that a lot of his advice seems targeted towards people who are crushingly bad at navigating debt. One of the most viral things they do is called “the debt free scream”, where people share their stories on his radio show after getting debt free, and just… do a victory scream, essentially. Kinda fun, not really a bad thing, but it shows how most of the people he deals with directly and the ones that make the best marketing are people with hundreds of thousands or millions of dollars of debt despite making very average money. Just absolutely no self-preservation instinct around available credit.

And for these people I think his advice makes sense. Absolutely no debt, debt is the enemy, it will crush you. And stuff like how he pushes you to chase paying debt with high intensity, get multiple jobs, etc. Because otherwise it’s impossible to even manage to put money on the principle of a debt that large.

For the average person though? His best advice is basic budgeting, focusing on paying your debts one by one so you can celebrate each victory quickly, and building an emergency fund so you don’t need to go backwards as soon as you have a car problem. Also, yeah, ditch the brand new truck, it’s burying you in debt you didn’t need.

But absolutely, I’d highly recommend modifying his recommendations for most people, and I don’t doubt someone out there is doing a better job of teaching this stuff than Ramsey is. My advised tweaks:

• Find a budget you can live with, paying your debts a couple months faster isn’t worth being miserable, and makes it more likely you’ll be able to stick to a budget for as long as it takes.
• Zero-based budgeting (budgeting every dollar at the start of the month) isn’t really necessary, leaving a little loose change that you can allocate later once the month is actually happening is pretty helpful. It’s ok to shift things around so long as you aren’t spending money you don’t have.
• Actually do keep “fun money” or “restaurant money”, so long as you’re capable of including it in the budget without hamstringing your ability to pay debt. If you’re giving more to debt than these things, then you’re probably fine.
• Ultimately just… think for yourself, and make your own decisions, based on your own income and expenses. Ramsey is a decent, if aggressive, starting point (and again, not the best person, he seems to have lost the plot somewhere).

I’m inclined to agree! That’s awesome, adding that to my following immediately.

Ooh, this is very interesting. I’m a sucker for emulator progress reports, just a fascinating intersection of programming, graphics, and gaming. My personal RSS feeds right now (which I’d love to add lemmy discussion to) are:

https://dolphin-emu.org/blog/feeds/ https://pcsx2.net/blog/rss.xml https://www.libretro.com/index.php/feed/ https://blog.ryujinx.org/rss/ https://xenia.jp/feed.xml

They did overhaul the controller mapping in this update, along with just about everything else, so it would be worth checking out. I really can’t emphasize enough how massive this update is, it’s like the emulator leaping from 2010 to 2024, they’ve been exceptionally active over the past 4 years.

Aren’t there emulators for newer platforms out there now?

And of course. I assume you’re referring to RPCS3 for PS3. PS4 is also in the early stages of being emulated, with simple games being playable.

I’d be very surprised if anything functional actually comes out of this. Far more likely they get scammed out of the money by garbage like the current “AI writing detection” methods, with terrible success rates that cause more societal problems than they solve.

Hmmm, tbh, I don’t think that’s a feature I’d want. Every now and again you see “that guy” furious that he’s getting downvotes, doubling down and trying to start an argument or something. I don’t need that guy showing up in my DMs.

I also feel like a lot of the value of chronological is lost if I think it’s algorithmic recommendations. If I don’t know I’m browsing the latest? I’ll likely just think the algorithm is serving up some garbage. Especially somewhere like Facebook, where people haven’t really been curating their feed for years, just… following whoever to be polite and letting the algorithm take care of it.

Thank you! I’ve just been browsing with NSFW turned off, but: A) I actually would rather turn on the blur function if there wasn’t literal porn throughout the “all” feed. B) A bunch of mild soft core stuff like “pretty women” and “celebs” gets through anyway.

Can’t believe it never occurred to me to use the block button to shape the all feed.