Dave Ramsey says: The role of government assistance

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  • worf Mcallen, TX
    Jan. 29, 2013 11:40 p.m.


    I find no fault with how you handled things. Good luck to you guys.

  • Cincinnatus Kearns, UT
    Jan. 29, 2013 8:04 p.m.

    Worf, although you and I are approaching this issue from two different directions, I don't think we are so far apart.

    I have had some tough times in the past, and I have accepted assistance to put food on the table for my family or handle medical costs. These were times that I'd either lost a job, or when I was going to school and was having a difficult time making ends meet- even while working full time. I am very grateful for the help I received that got me through hard times.

    I DO have a problem with people who abuse the system, who use it to live on. But, I know there are people who do need help, and we do better as a society helping those who use the assistance to get themselves up and going again. It would be nice if it could all be handled by churches, families or friends, but as I said before, that is not always an option.

    Myself, my wife, and 3 of my daughters now all work and pay back into the system that helped us once.

  • worf Mcallen, TX
    Jan. 29, 2013 7:15 p.m.


    I don't believe in failure. People give up, and quit trying. Myself, and your neighbor aren't the monsters you make us out to be. I can't believe in a great country as ours, that success can't be found.

    Don't think I haven't had errors, challenges, and mistakes in my life. I've lost jobs when my family was dependent on me, and payments were due. I've had heath problems also. No one is exempt from problems, but you really can find solutions. You toughen up, and find ways to survive.

    I took no government handouts, and worked my way through college, and found stability. I have three children who graduated from college with no assistance from anyone. There are endless possibilities for success. You learn to survive.

    Americans of today have a different motivation then our ancestors. Solutions vs Whining

  • Cincinnatus Kearns, UT
    Jan. 29, 2013 5:06 p.m.

    Sorry worf, but your analogy gets a "D."

    Getting a D because you didn't study enough is far different than a woman who ends up alone through divorce (or death of the husband, etc.). The student who gets a D could have studied more and gotten an A, and both students get an A. The outcome is not based on one person losing their A so someone less deserving can get it. The grading curve also states that if only one person gets an A, someone else must get an F.

    But someone who falls on hard times, such as these "many women" who "choose unwisely" and need assistance, are in danger of losing a place to live, something to eat, or in extreme cases, their lives.

    Your comments sound much like a neighbor of mine who said, "I don't want to have to pay taxes to help anyone else. It's my money. I'll give the poor something if I think they need it." Nice. So the next time you lose your job and can't find another, I'll let you lose your house and starve to death, because that's better for me.

  • worf Mcallen, TX
    Jan. 29, 2013 3:10 p.m.

    @Cincinnatus--get over what? I simply said "where do you draw the line?".

    I just believe people should take responsibility for their lives, and decisions. Many people do that, but others don't. There are times when people do need help, but when it comes to almost half the population---"where do you draw the line"?

    Compare this to a classroom. Should an honor roll student give up points to a "D" student? How would a "D" student ever become responsible if a teacher keeps taking, and giving?

    Many teachers use a curve to higher the grades. This benefits no one, and you don't tell the "A" student to get over it.

  • Shamal Orlando, FL
    Jan. 29, 2013 2:21 p.m.

    Agree with Mr. Ramsey 100%. I would add that these are funds that you've likely been paying into for years. Your parents have likely payed throughout their lifetimes without ever drawing on them. Don't feel guilty about using them to get back on your feet. If you do, you will likely reimburse the system many times over. You are probably one of the smartest investments the government makes.

  • Cincinnatus Kearns, UT
    Jan. 29, 2013 9:23 a.m.


    Exactly the kind of comment I'd expect coming from you. Yes, people make mistakes- get over it. I'm sure you haven't lived an error free life. But, blaming the woman for making a poor decision, for having children? Wow. I've known a number of women who thought they were marrying a great guy. Maybe he was, but things changed. The guy began to beat them, or cheat on them, or turned out to be a bum. They should have seen into the future and known that?

    So, since they chose "unwisely" we should just let them and their kids starve, live on the streets, etc.

    I like Mr. Ramsey's level headed approach to this. I'm not advocating that everyone run to the government for aid. And, I'd agree that there are those who take advantage of the system. Family, church, friends, etc. certainly should step in and help when they can, but unfortunately, some don't have those options, and those people and organizations can only do so much.

  • worf Mcallen, TX
    Jan. 28, 2013 5:11 p.m.

    Many women choose unwisely when it comes to marrying someone, and having children. Many choose unwisely when purchasing things and going into debt.

    Where do you draw the line, when making someone else pay for wrong decisions? Call them greedy, and selfish? Tell them they didn't build their success, but someone else did? Make them pay a little more?

    California, New York, and nine other states, have more people on assistance than in the work force. It's destroying our country, and economy.

    Help should come from common sense, relatives, friends, and local relief centers. Being a nurse, this woman should be able to get back on her feet.

  • Shawnm750 West Jordan, UT
    Jan. 28, 2013 2:59 p.m.

    I wholeheartedly agree about the advice Mr. Ramsey gives on government (or any kind) of assistance. We all go through hard times and need help once in a while. But these programs are meant to be a bandage, not a prosthetic. I know people who are disabled, confined to a wheelchair and have little or no use of their limbs, who still manage to work full-time jobs and support themselves as much as they can. I also know of people who are perfectly able-bodied that are classified as "disabled" because of some genuine medical condition, that subsist completely off of assistance programs simply because "it's easier than getting a job." Yes, these people have legitimate limitations, but there's no reason they can't get jobs and provide for themselves as much as possible, without relying completely on assistance programs.

    I also agree with what he said about money and family. Too often we impart trust on family members, simply because they are that: family. People should still take some measures to protect themselves and hold family members accountable. A written agreement should be used when loaning larger sums of money. In my opinion...

  • joseywales Park City, UT
    Jan. 28, 2013 11:43 a.m.

    What a great comment from Mr.Ramsey about the food stamps. Firstly, I've been on the receiving end of some assistance in my life, so I do believe that it can be a great thing when properly utilized. I did receive the same kind of advice from a mentor who told me the same thing that Ramsey did to this person. Sadly, I don't think that this advice is given to all who utilize these programs. I wished that people could see that this was a temporary situation, instead of permanent. I see a lot of people who are more than able bodied, that aren't working, and when asked why not, they state they don't need to because they have "support". It is the liberal way of thinking to give someone a handout, yet a conservative will give you a "hand up" There is a huge difference, and it's the reason that Obama won the last election. The poor in the inner cities and urban areas didn't want to lose their gravy train.