I've listened to some Dave Ramsey and had minor differences of opinion with some of his suggestions, so I was interested in reading this.

Melissa's grievance #2 - She doesn't like that Dave Ramsey reprioritizes charity until you're well out of financial disarray. Melissa thinks you should keep tithing, because blessings can be bought.

Reading what I wrote to myself there sounds like an ungenerous way to describe it, but I can't bring myself to sugar coat it.

What a rough and tumble read that was all together. I'm laughing at myself for how appalled I am that people would just go on the internet and publish bad advice. Some of it isn't even wrong, it's just ham fisted with mittens on.