But you have to understand that consumerism is pushed down our throats from all around starting at a very young age. Dave Ramsay doesn't just come into your consciousness like advertising does, and unless one is close to someone who is very anti consumerism and advertising you will likely be subjected to an onslaught of messages aimed at your subconscious that you are completely ill-equipped to fight.

I think many people in these comments are speaking on behalf of the general population who does not have the luxury of taking a year off.

This comment of yours drips with privilege.

Edit: I was introduced to dave Ramsay's work in my 20s by a close friend who was wealthy and had businesses and homes. He volunteered with some organizations to provide financial literacy classes. I was lucky to have been given that reference.

> Most people pay $100+/month for cable, eat out multiple times per week, have thousands of credit card debt, and an unexpected $400 bill would ravage them.

There's also a cohort that might not earn a lot but is financially responsible, frugal and makes modest gains towards big goals e.g. education for kids, home ownership which can take almost a life time. There's a big spectrum from being poor due to being financially irresponsible and being lucky enough to be in their 20s, debt free and paying off a mortgage instead of rent (with help for college, down payment etc from family to have a healthy head start). Not everyone who doesn't have the means is in such a place because they are lazy or is financially irresponsible. Simply stating that most people are a certain way without evidence is just disingenuous and judgemental, perhaps exposes a bias more than anything.

It creates a simple fairy tale that financial success or failure rests solely on the individual.

It allows people to ignore wage stagnation, inflation, rising costs of critical goods and services, rising inequality, and fundament structural inequities with society.

Here's a more in-depth academic paper that provides data beyond unsourced colloquialisms if you're interested.

https://openscholarship.wustl.edu/law_lawreview/vol82/iss4/8...

I know plenty of people with no cable, no Internet other than their phone, living paycheck to paycheck... This idea that poor people just need to stop wasting their money is propaganda used to justify starvation wages

You (and everyone else) really do own your financial life. There can be curveballs-- a catastrophic illness, for example-- but for the vast majority of people, having money or not is really a series of personal decisions made over a lifetime.