I use to do Ramsey stuff prior to covid. Having kept to his plans during covid destroyed my business. A little debt would have kept it floating long enough to weather the storm. Granted I have no debt, but I have no money either. Oh well.
RE: Having kept to his plans during covid destroyed my business.
Maybe you should have sued like many people do. (not serious—or Sirius, Lee).
A now nearly forgotten business self-help guru top bestselling author and auditorium filling speaker Charles J. Givens? Wealth Without Risk (1988) and Financial Self Defense(1990). His advice company brought in $104 million in revenue a year at one time. His story was a feature of Lifestyles of the Rich and Famous.
Wikipedia:
Over his career Givens was the target of dozens of lawsuits and two court cases for defrauding customers, one in California and one in Florida. The California fraud case found that he had misled his customers by claiming that he had made his money using his financial strategies, rather than by selling his financial strategies, and he was ordered to refund $14.1 million to his customers. Givens settled the Florida fraud case.
Givens was also sued for advocating dropping insurance to save money by a woman whose husband was killed by an uninsured driver. Givens settled the insurance suit in 1993.