Welcome to Litsy!

3 ⭐ This book is about a tree but it‘s also about having patience. A gardener plants a fig tree and tells everybody it takes time. Then one summer goes by then two summers and still no figs. The gardener wants to replace the tree, but the children say no the tree just needs love which they give it for another year or two or three until eventually the tree produces figs and becomes shade.

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Day4. Finance/ $ related
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I don't doubt that Dave Ramsey's plan works. I think if I'd read his Baby Steps first, instead of the “motivational“ pep talk at the beginning, I would have enjoyed this much more than I did. I made it through about 80 pages and decided to skip the rest in favor of his budget app (which I like!). Unless you enjoy this kind of tough-love approach, that's what I would recommend.

Full review here - https://www.goodreads.com/review/show/4191025413.

“Remember, I have been broke twice in my life, but never poor; poor is a state of mind.“

Tell us more about all that privilege, Dave. Should someone have a different experience than smart, rich, diligent Dave then they are simply “not smart people.“ His way is the only way that works and he reminds us repeatedly. I hope the tips at the end of the book are worth all this mess at the beginning.

I listened to this, it was read by the author and he just has that condescending tone to him that made it difficult. But there are some takeaways.

1. $1000 savings - I have more than this in the savings account but it says to have cash - I will pull $ out soon
2. SnowBall Debt - recently paid off credit cards, so I have a car and house payment (and student loans soon). I plan to pay off the car before my student loans repayment is to start ⬇⬇

“90% of solving a problem is realizing there is one”

So, I don't budget. I feel like I am doing well financially. I have a nice nest egg for emergencies. I am only 15% done. So far.... takeaways - I don't like his voice! Also, it hasn't said anything yet that is profound.

The quote - do I have a problem? That's the big question. I really just need to understand budgeting!

The introduction says this book is not politically correct, so Ramsey's given himself permission to be offensive if he feels the need. I can't say I've seen anything that's offended me yet, but all the talk about being “financially fat“ is getting tiresome. This book was written nearly 20 years ago though, and I was weight-obsessed back then too. Hello, South Beach Diet!

My #bookspinbingo card rethought for February. I‘m excited to try it out again this month!

I too feel slightly attacked.😆