Dave Ramsey's advice is sub-optimal, but he's aimed at people who can't handle money, and is telling them to focus on crushing their debt.
It's not an optimal strategy for people who can handle the abstraction of interest rates, inflation, etc., but if his followers could handle those concepts, and had the impulse control to back it up, they wouldn't be heavily in debt to begin with.
It's reasonable advice for the demographic that needs it, and in that sense it's fine.
The HN tech bro crowd, who knows enough, and has enough cash, to run Christmas Tree option calls, has no business following Ramsey's advice.
It's not an optimal strategy for people who can handle the abstraction of interest rates, inflation, etc., but if his followers could handle those concepts, and had the impulse control to back it up, they wouldn't be heavily in debt to begin with.
It's reasonable advice for the demographic that needs it, and in that sense it's fine.
The HN tech bro crowd, who knows enough, and has enough cash, to run Christmas Tree option calls, has no business following Ramsey's advice.