Business
Dave Ramsey is one of the biggest names when it comes to personal finance, and a lot of his advice is very good. But there are 4 of his philosophies that Erik Garcia takes issue with. They are:Looking for a 12% annual return on your investmentsPlanning for an 8% withdrawal rate in retirementPromoting Only Mutual FundsAsset AllocationErik breaks down each of these ideas, and where he disagrees with Dave's theories on them. At the end of the day, personal finance should be personal, not mass marketed to thousands.Resources:Erik's Website: https://www.plan-wisely.com/Erik's YouTube Page: https://www.youtube.com/channel/UCjD-ImfJlSItr5b3zUwKLVA/about?disable_polymer=1Email Erik: Erik@plan-wisely.comCall Erik's Office at 504-218-5479