Dave Ramsey is in the dog house and since I am the Keeper of the Dog House, I thought I’d demand he introduce himself, pronto. Chuckling here, but I seriously had no idea who he even was.
Apparently he sent out this, “really vile and disgusting tweet,” and caused a twitter storm and a banning war. Naturally I was curious to know what all the fuss was about. Not sure what he said, but all the socialists had their tar and feathers standing at the ready…..
The “vile and disgusting” tweet said, “If you do rich people stuff, eventually you will be rich. If you do poor people stuff, you will eventually be poor.”
Oh. Well now, that’s somewhat anti climatic isn’t it? I’m not even sure I can muster up enough outrage to write a blog post about it and I once wrote an outraged post about kale chips, so that’s saying something.
He’s right, you know. Absolutely true. There are a bazillion subtleties there however, and generational curses and financial spiritual wounding are real enough, too. There can be major strongholds, huge stumbling blocks that prevent us from thriving, that hold us back, many we may not even be aware of.
But basically yes, “If you do rich people stuff, eventually you will be rich. If you do poor people stuff, you will eventually be poor.” That’s simple cause and effect.
Also, there are a lot of different kinds of “riches.” Some of us make good choices that have more to do with quality of life and what is truly important, rather than simply stockpiling assets. Staying home to raise your kids for example. Or taking care of your elderly relatives, rather than putting them away in a state funded nursing home.
But barring those two concepts, quality of life decisions and generational curses, I’m in complete agreement with his tweet. I’m also relatively poor (or relatively rich depending on how you are defining “riches,”) but finances? Oh yes, I’ve been totally slain and laid out a few times. I am keenly aware that for a lot of different reasons we people are often trained to, “think like a poor person.”
It’s really complex and I’m not going to bore you with dozens of examples, but take for example income taxes. We are taught to pay our taxes all year-long and at the end of the year you’ll get a bonus, a refund, a free gift! But it’s actually our own money. We aren’t getting “a gift,” we’re getting a refund because we overpaid. So pretty dumb, but what we’ve just done is loaned the IRS our money for a whole year, interest free. Then we get all excited when they let us have some of it back.
Something else related to, “thinking like a poor person,” I’ll just get a second and third job, and get up early and work all this over time, and get rich. Anybody ever worked all this over time and simply lost it all in taxes? You’ve now made so much money, you’re in a higher tax bracket and your paychecks are now even smaller than when you started?
That’s a rotten trick. Been there and done that.
Yeah, believe it or not, having a good work ethic can sometimes be called, “thinking like a poor person.” Wage slavery is called “wage slavery” for a reason. You want to broaden your earnings, you need to find ways to earn more passive income. That means NOT working for it, like rental income. Investments. Selling stuff. Advertising. Even blogging. There can be “work” involved in all of these things, but they are more passive earnings, they will earn while you are sleeping.
Those are just two tricks I know of that have to do with our psychology, our attitudes, and the cultural lessons that really taught us how to, “think like a poor person.”
Something else that is related to “thinking like poor people,” is our obsession with money. We can get so obsessed with the scarcity of our money, we’ll put 30 bucks in the gas tank to drive across town and save 1.77 on hamburger. A scarcity mentality can turn us into a leaky colander trying to hold water. Here’s something that’s really unpopular to say to poor people, but give it away. Break that scarcity mindset and curse. Tithe. Step into His abundance.
I’m not a fan of the “prosperity gospel,” so to speak, but I am a fan of making the connection between the spiritual and other areas of our life. That includes our financial lives. In many ways we can help to create and build our own reality. And some of that reality might turn out to be learning how to live contentedly, joyfully, without a great deal of financial security and excess, because we place more value on other things.
So absolutely, invite God into your finances. Ask for His wisdom and guidance. Ask for His healing in that area. I’ve seen this truth play out, I’ve lived it myself, and I’ve born witness to it working for others, too.