WebAug 7, 2014 · Ramey's numbers are not only incorrect about investment returns, but also winding down your investments when retired. Dave suggests you should be able to spend 8% of your portfolio a year in retirement. From recent studies, even the original 4% gold-standard might be too high. Combining both inaccuracies from Dave is very dangerous. WebJul 4, 2024 · Ramsey recommends that everyone has an emergency fund. In fact, he promotes seven baby steps to help people take control of their finances, and two of those steps relate to saving for a rainy...
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