Dear Dave Ramsey, I really do think I agree with just about everything you say. I mean, you're a smart guy. You've built a massive business, an entire industry really around what you do. I even have friends who work for you.

People who absolutely love working at your company and what you've built, it's nothing short of impressive.

I'm thankful for you, Dave.

I am.

You've got a worldview that's clear, and you seem like an incredibly nice person.

I've seen you on podcasts, and I have to say say you've got a great sense of humor and a real joy for life

Honestly, I like you. I really do I see people

Friends of mine

Strangers I hear about people all over the place who are struggling with credit card debt, car payments, student loans, the whole thing.

And I know that what you're doing is good.

You're trying to lead people toward financial freedom trying to help them get out of debt.

That's important work and I respect that. I do.

But here's where I start to struggle a little. It's not with your advice

per se, but more with how your advice lands with certain people, specifically young

men who are trying to carve out their path in this world.

You see to do anything meaningful in life you're going to go into debt.

It's inevitable.

And I'm not just talking about financial debt here.

Sure that's a big one but there's more. You're going to go into

debt with your time, your energy, your relationships, your sleep. To accomplish

anything worth doing you're going to be pulled in so many directions that something

is going to have to give.

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