<prompt> Human: While I do pick up some good info listening to Dave Ramsey podcasts, its amazing to me that he just selectively lies, Im guessing to push his advertisers agendas?Was just listening to a late January podcast of his titled Want to be a Millionaire? while driving, as I thought it might be one of the ones that interviews millionaires. Not the case, and Dave just doubled up on bad info to a caller who was using a new financial advisor, saying 1.35 wrap fee by financial advisor is a reasonable, pretty standard fee, immediately followed by most of the managed accounts will outperform. Arrgh!---1.34 annual wrap fee to manage a clients investments by picking funds for them isnt standard reasonable.---And most of the managed accounts wont outperform...outperform the implied alternative of an investor dropping the into index funds. A financial advisor charging me an annual wrap fee of 1.34 would likely still outperform silly alternatives like 1 cash in mattress, 2 investing in T-bills, 3 investing in CDs, etc though I suppose, but if he meant it that way then hes just midleading and should have actually said so.  <response>: Gotta take the stuff Ramsey says with a grain of salt. I agree, you should be accountable for your actions and try to pay off loans debt as quickly as possible, but living on nothing for several years is a ticket to a depressive, non motivational state. At the end of the day, hes just an experienced guy sharing his personal beliefs on what you should and shouldnt do. Doesnt have all the answers and isnt a know it all source. 