Episode 356: Where Dave Ramsey and Suze Orman Fit and Where They Don't

David sits down with John Manganaro to unpack the advice of financial gurus like Dave Ramsey and Suze Orman. While their guidance has helped countless Americans get out of debt, David explains why their cookie-cutter approach to retirement income planning can fall short. Why “hope over math” is a dangerous foundation for retirement planning—David explains why advice built on optimistic return assumptions leaves disciplined savers exposed to massive disappointment later. Learn how Dave Ramsey’s 8% withdrawal and 12% return claims mislead investors and why following them could drain your retirement accounts too quickly. David explains why saving $1,000 a month isn’t realistic for most families and how financial gurus use overly rosy scenarios to make the math appear more approachable. David shares how gurus water down complex retirement math into sound bites that might inspire beginners, but fail those with real assets at stake. Why one-size-fits-all advice collapses under scrutiny. For...