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 investments

Planning for an 8% withdrawal rate in retirement

Promoting Only Mutual Funds

Asset Allocation

Erik 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: [email protected] Erik's Office at 504-218-5479