"Should I work a second job and never see my wife? My kids? Should I never have any personal time? Should my entire life revolve around money? Should I kill myself for capitalism?"
The rest of the article is about how you can't just choose to stop being poor. And in the middle of all this is something that boils down to, "I could stop being poor, I just don't like the tradeoff." Which is certainly his right, but it makes this whole thing feel like poverty cosplay.
I feel like this is an ugly truth, but still a truth. It's also very ugly.
For some people there's no tradeoff on how much they have to suffer to get some financial security because they already have it. Some people have to suffer a bit but quickly hit escape velocity. Some people never stop suffering. It's terrible.
I think Dave Ramsey has many annoying qualities but his "sometimes you have to act crazy to get out of it" is basically correct even if it's very, very uncomfortable IMO.
Many poor people are in difficult situations with no clear way out. They're already working the best paying job they can find, as much as they can, and doing as much as they can to advance. Learning new skills requires time and energy they don't have.
Some are poor by choice. They could put in more hours, get a second job, or learn new skills, and escape the trap. But they don't want to. This might be "lazy," or it might be "prioritizes family time," or whatever.
But as soon as you say that some people are really stuck no matter how hard they try to get out, it's taken as saying nobody can ever get out of it. And if you say that some people can get out of it and don't, it's taken as saying every poor person is just lazy.
What's curious about this post is that it seems like a pretty good insider description of being completely stuck, except the author isn't.