> The broader problem with budget culture is its emphasis on individual responsibility and insistence on ignoring the varying levels of access and privilege in

> The broader problem with budget culture is its emphasis on individual responsibility and insistence on ignoring the varying levels of access and privilege in our world. It vilifies and oppresses anyone who doesn’t live up to the ideal, regardless of their circumstances. Simply untrue. If you listen to Ramsey's show, when someone calls in who has really bungled their finances, the forst thing Dave hits them with is compassion. His story starts with his bankruptcy. So he's not setting himself above anyone. Ramsey's financial triage system is a needful bootcamp, and there is tough love aplenty. He's also dogmatic (or brand-focused, if you will) about topics such as credit cards. The quoted remark is closer to accurate where the social media groups on FB are concerned, and some of the groups like Choose FI (financial independence). There is a spectrum here, and people can hang out where comfortable.