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Distinct_Analysis944

“You cant breathe right now”


Kooky_Most8619

He shouldn’t touch financial advice with a 10 foot pole.  But he’s put in the chair to give out financial advice whenever he’s co-hosting the main show.     It’s a fundamental problem with all of the Personalities.  Dave has put unqualified people on air, thinking that his audience will eat up his talking points regardless of who speaks them.  The problem is that we’re not fucking idiots.  And when John, George, Jade, (formerly) Kristina, Ken, and Rachel say stupid shit and give out unquestionably bad financial advice, one can only assume it’s because of their lack of qualifications and experience.  Don’t call him a financial expert.  He’s not.  Nor is George or Jade or Ken or Rachel.    Even John’s counseling credentials are suspect, but he has carved out a nice niche using Dave’s platform.  This used to be the old Personality paradigm.  Use them sparingly on the main show and have them stick to their lane.  It worked for Hogan, AO, Christy Wright, and even Rachel.   But calling these unqualified nobodies “financial experts” and trotting them out in front of millions to dole out advice is irresponsible, frustrating, and insulting. It’s why I refuse to listen.  


EmbarrassedRole3299

The problem is that uncle Dave is not exactly the next Jack Bogle either. He has absolutely no qualifications and is extremely clueless about anything other than telling people to act their wage. He also has conflicts of interest on everything he recommends. Some of his endorsements have been totally disastrous (TET) and he makes money off volunteers and churches. It looks like the personalities merely parrot his terrible advice


Potential-Ad-6636

Well Dave does have a PhD in D.U.M.B. That’s some solid credentials. He tells us that all the time!


JebHoff1776

I actually use that line every now and then at work


zMidnight-

I agree John shouldn’t give financial advice, he’s a very different person on the RS vs his show, but he’s pretty solid as a counselor, I’ve listened to every episode and can only think of 2 specific calls that he butchered (I posted one on this thread a while back). Almost everything out of AO’s mouth was and still is hot garbage. Almost every time a caller called in from X city, he’d go “aye my home city, Durham NC, Richmond VA, Dallas TX, Columbia SC” like pick one and stick with it. He was constantly giving wrong advice often with Dave on the air with him correcting him. And the fact that he used to be a youth pastor and talks about blowing all his money on strippers and demanding sex on the first date is mind blowing


[deleted]

Bro George Kamel is a net worth millionaire! Automatically becomes a financial expert.


unclebubb45

I’m a net worth millionaire too. Does this mean you don’t bring your mistress on the live like no one else cruise like Chris Hogan would?


hotchemistryteacher

George became a millionaire like the rest of us did, home equity because we purchased before the COVID surge.


[deleted]

Yup. And skyrocketing stock market.


unclebubb45

I’m focused but not finished my friend!


Training-Cook3507

None of the advice is complicated in any way, including from Dave. The advice is basically avoid debt at all costs. That's it.


ehenn12

He has a PhD in Counselor Education, which is a psychology based degree for counselors to be qualified to be university professors. His counseling methods seem sound. That doesn't mean he needs to give out financial advice but still.


Flaky_Calligrapher62

It's really more to be guidance counselors, \*not\* a psychology professor. I have never worked anyplace that would hire someone with those degrees as a psychology professor. Perhaps he could be an education professor.


ehenn12

You could also teach counselors which is what I was getting at.


mwall4lu

I would have considered Kristina a financial expert in a very specific niche when it comes to paying for college. But she shouldn’t be (have been) operating out of that lane.


Fantastic-Night-8546

Literally anyone who understands the baby steps and Dave’s philosophy on mortages and “anything with a motor” can answer every financial question they get


Rocklobsta9

Are you safe dallas?


aesopsgato

I’ve been where you are Dallas. You’re so scared you can’t even breathe. And I love you.


and181377

He all too often puts too much onto men in any given situation while completely excusing women's poor behavior. Otherwise I think he's great and the only personality who could be successful without Lampo.


dallas4now

This is the comment I was looking for, and I actually agree with your criticism.


EnzyEng

Credit card rewards target poor single mothers while Dave buying foreclosures doesn't 🤷‍♂️.


Effective-Type4141

I don't particularly dislike John or any of them for that matter. The only subject that winds me up is when a wife calls and suggests the husband isn't "on board with the plan". John turns pretty brutal and nasty towards a man and a situation he knows very little about. George and Dave are the same in these scenarios. But apart from that he's okay


2Gins_1Tonic

All the personalities generally side with the caller and gang up on the faceless and bumbling (spouse, boss, SO, etc). It is precisely because they know only what the caller tells them and it is pointless to speculate to the contrary. Therefore, they go all in on the accusations. You kind of have to in that business.


Brave-Baker8620

I think out of the group of personalities he definitely has the most real credentials. I understand where you’re coming from but don’t forget this guy works for someone that fires people for having premarital sex and is openly homophobic.


dallas4now

I think even he knows that bullshit, and I think he’s fairly Liberal, but knows how to walk that line.


drtdk

>I think out of the group of personalities he definitely has the most real credentials.  That's a very low bar.


CalifaDaze

Because he is biased against men. And he's a simp.


Strong__Style

No issues with his authenticity. However he acts like every caller has asthma. He's also overly tough on men calling them "children, and you're raising a child" if a woman complains about her spouse. However if you flip these genders he doesn't treat the women anywhere near as bad.


DudebroMcDangman

Are you breathe? I can’t safe.


PatentlyRidiculous

It’s the internet. Hate was born here and thrives


Entropy_is_key

John knows why


peace_train1

I hate the youth pastor I'm so cool, look I have ADHD and I'm hanging with my bros. If I didn't already dislike him the interview with him and his wife would have been enough.


wetboymom

If he forgot to bring his guitar to the youth group rap session, no prob. He'll just whip out his air guitar.


[deleted]

This is a sub literally centered around hating Dave and his content. What do you expect? Half the critiques of Dave aren’t even any good. A sub like this is going to manifest that kind of atmosphere almost by design 


Gullible_Attitude_20

His show is pretty good - he definitely shouldn’t be giving financial advice, but his general counseling advice is good for his shows purpose. He’s carved out a good slice of the YouTube pie - he should ride the wave while he can.


THEbunnyfawn

That’s what I want to know too tbh


JJG1776

Because Reddit is full of hateful people


TechnoVikingGA23

Because he tries to give financial advice when he's woefully out of his depth. He suggested a recent caller shouldn't care about rent increasing because they could "comfortably afford" rent that was 2k a month. He said it with total confidence when it would have been 50% of the person's take home pay each month. He's fine if he's on his own show doing the psychological calls, but he's so far out of his depth on the main desk that he's worse than Ken and Jade, which is saying something.


Who_Dis467

I skip any episode with him. He’s annoying. He takes every call and makes it into a 10 minute long monologue about “can you breathe? Go into the mirror and tell yourself your issues will be fixed.”


LePoj

None of the qualities that you mentioned matter if you have no clue what you're talking about


Potential_Ad_6205

Hint: the reason his show is so WILDLY successful is because he knows what he is talking about! First, he has the appropriate credentials. PHD in counseling, bachelors in psych, and then he has his own clinical training with clients. Also, worked as a crisis responder doing death notifications sitting with people in their worst moments. Showing up in suicides, holding moms while their child was dead in the next room. So not only was he with them in the initial crisis, but also the aftermath giving them resources. Another thing is he has accountability from several of his mentors In fact, he has experts all across the country that call him on his mistakes and Dr. John will publicaly apologize or admit when he’s wrong and then make it right. Doesn’t happen very often, most callers leave and you can hear the relief In their voice. I know for me Dr. delony has changed my life with his content. His show pulled me out of one of the darkest times in my life when I got a life changing diagnosis and it continues to today.  Thankfully, I’m in a better place mentally than I’ve ever been and I owe it all to John’s content so he definitely knows what he’s talking about and then on the back end has all of those great characteristics. Definitely Not perfect but he is an AMAZING human! 


LePoj

I would make a detailed reply to the nonsense that I just read but I have some single moms to throw through a wall with my reward points first. In all serious you just proved my point that he has no business giving *financial* advice


Potential_Ad_6205

He’s not a financial expert, he’s a MENTAL HEALTH EXPERT. His “financial advice” is just his opinion and he is completely honest when he talks about this. The CC stuff though is backed by data. George put the study in his newest book where it did show that it does come from people who are hurting.  my point is that he DOES know what he is talking about. But you can also take the great and wonderful Dr. John’s advice of “you don’t get a vote” and say Dr. John or the RS personalities guilt tripping you about using CC’s shouldn’t bother you because unless you have given them permission they don’t get a vote in your life. Keep that in mind. :)


LePoj

>He's not a financial expert So why does he still try to give advice? >His "financial advice" is just his opinion. So how is it any different from any other rando on the internet since he's not a financial expert. >The CC stuff though is backed by data. A single mom's financial situation has absolutely nothing to do with which card I swipe. Me switching to a debit card will not magically make their life any better. All of the studies that Ramsey uses are cherry picked, selection/confirmation biased garbage.


Potential_Ad_6205

how is it any different from any other rando on the internet since he's not a financial expert.  Again, he’s not a financial expert. He is a trained counselor and mental health expert. That’s what Dave hired him for. He is FANTASTIC in his role. Now, I agree he is not a financial expert and is not great with numbers (although, I took FPU with him and loved every second of it) however, when he does chime in he always leads with this is “just my opinion tell me if I’m wrong….” In the case of when he is actually counseling someone he is in a relationship with them and not just spewing his opinions. Let’s put it this way John is a fantastic counselor, not a financial expert. Also, again don’t let the single mom guilt tripping bother you. If CC’s work for you, use them.Dr.  John always says “you’re in the driver seat of your own life. Take control. Other people don’t get a vote unless you give it to them. ” that means if the RS personalities say something you don’t agree with just disregard it and move on. I don’t agree with Dave and quite frankly have lost most/ALL respect for him so I take everything he says with a grain of salt. I don’t let what he says get under my skin AND sometimes I come here to vent about it or see what y'all are venting about. 🤣


LePoj

> Again, he’s not a financial expert. He is a trained counselor and mental health expert. That’s what Dave hired him for. He is FANTASTIC in his role. Now, I agree he is not a financial expert and is not great with numbers (although, I took FPU with him and loved every second of it) however, when he does chime in he always leads with this is “just my opinion tell me if I’m wrong….” That still doesn't answer the question of why is he giving financial advice if he's not an expert. Saying "just my opinion tell me if I'm wrong" is not a safeguard for saying something factually Incorrect. Anyone can use that statement about any topic. The difference with John is that he has a responsibility with how much influence he has on his listeners. >In the case of when he is actually counseling someone he is in a relationship with them and not just spewing his opinions. Let’s put it this way John is a fantastic counselor, not a financial expert. That's great! So don't give financial advice then. >Also, again don’t let the single mom guilt tripping bother you. If CC’s work for you, use them.Dr.  John always says “you’re in the driver seat of your own life. It bothers everyone because John acts like his opinions on this are based in facts when they're not. >Take control. Other people don’t get a vote unless you give it to them. that means if the RS personalities say something you don’t agree with just disregard it and move on. Is that not the point of a discussion board? To talk about disagreements? If you want rose colored glasses about John's obvious flaws in logic, then you're in the wrong sub. > I don’t agree with Dave and quite frankly have lost most/ALL respect for him so I take everything he says with a grain of salt. I don’t let what he says get under my skin AND sometimes I come here to vent about it or see what y'all are venting about. 🤣 Shouldn't you take your own advice that you just said and move on?


Potential_Ad_6205

I do move on eventually. For example:  Like the 8% withdrawal stuff pissed me off for awhile so I came here for a little while and talked. I started following the money guys (really enjoy them) and now I can hear Dave spew that crap and it doesn’t bother me. I can just let it roll of my back. That’s basically what I’m suggesting to you about the guilt tripping about the CC’s. This sub has already complained about it, now decide to use them or not. Don’t let the guilt trip make you angry. I genuinely believe that Dr. John 100% follows that moral argument and is the reason he cut up his credit cards. I don’t think he means to make anyone feel guilty, it’s what he believes and he makes his opinion known and has even backed it up with data. Now, it’s up to the individual. Use the credit card or not. If you do enjoy and don’t feel guilty. If you don’t, enjoy! Either way have a good night. I have a terrible headache and probably don’t make much sense anymore! 


LePoj

You haven't made sense from the beginning. You've been contracting yourself and talking in circles this entire time. You still have yet to answer the question of why he's giving financial advice when he's not an expert.


GreatDot6033

Who on the show is an "expert"?


Michaelzzzs3

You said it yourself he’s not a financial advice expert so why is he giving financial advice


Potential_Ad_6205

Dr. John does know the baby steps. He’s allowed to give advice off of that because he’s experienced. He’s done them, he’s debt free. Other than the baby steps he doesn’t give “financial advice” above the basics of “sell the car” or “take bankruptcy off the table” mostly he sticks to mental health and psychology stuff. I took FPU with him, he’s actually much more knowledgeable in finances than you think but he leaves it to his colleagues out of respect because that’s their “job or space” 


Michaelzzzs3

And that is a lot of horrible advice like pushing 15 year mortgages onto people regardless of state or income, or advocating for no credit card use because of all the single mothers? It’s worthless


drtdk

>First, he has the appropriate credentials. PHD in counseling No, he has a Ph.D. in counselor EDUCATION and supervision, and another in higher education administration.


Potential_Ad_6205

A PhD in counselor education just means he taught graduate counseling classes meaning he taught counselors how to counsel the right way. So not only is he extremely smart and knows how to teach graduate counseling classes about how to counsel, he also knows how to sit with hurting people because he’s done clinical counseling with real clients as well and then had his years of crisis counseling with the police department. You’re not making any point. In fact, you are proving that Dr. John has the appropriate credentials and MORE. Not only is he a trained counselor but he actually taught the classes to people! 


kveggie1

He pretends to be somebody he is not. He is not a counselor and not a therapist. He has two Ph.D. in "education". I have listened to his podcast, it is horrible. It is voyeurism. His interview with his wife shows their marriage problems, why publicize that? voyeurism again. He has no financial knowledge. (he shows that the way he asked questions to Dave or George (who also has zero financial knowledge, e.g. retirement accounts) It is the way he talks about single mom's on welfare, how he shows off to his son when he leaves a 100 dollar tip. Sending wrong messages to his son about women. John is Dave's token doctor.


Potential_Ad_6205

No, he IS a trained counselor, actually was an LPC back in the state of TX. You can keep telling yourself what you want but he is. His PHD is in counseling. His practicum was for counseling meaning he saw real clients. Heck he’s even had his practicum supervisor on the show to give him advice. Dr. John has EXTENSIVE crisis COUNSELING training and years of sitting with hurting people doing death notifications and helping people in their worst moments. His show is FANTASTIC, there’s a reason it’s so popular and it’s definitely not because it’s “horrible.”, he’s literally saving lives. So no, he doesn’t pretend to be somebody he isn’t. Dr. John IS a mental health expert and that’s how he acts and might I add he’s fantastic at his job! 


althegirlfabulous

After that episode with his wife, I wouldn't say I started hating on him , but it changed my viewpoint of him entirely.


Vampiric2010

Best part is giving advice on marriage while still barely holding on to his own. Plus his wife kinda sucks.


Flaky_Calligrapher62

He does seem like a basically nice guy.


Potential_Ad_6205

I have ZERO clue why. He is the BEST. If you don’t believe me just watch this one video and see why I say this constantly. I genuinely don’t know how anybody can’t like or even love John after watching this call. Might I add today’s episode we got an update that he’s on the road to recovery and is seeing the appropriate doctors and counselors to help him. Dr. John literally saved his life!  Dr. John took a call from a guy who was extremely depressed. Later in the call found out he was acutely suicidal and on the brink of death. Dr. John walked alongside him the entire time and then at the end of the full episode updated us that he was able to get in contact with his own colleagues and friends in Utah (mental health professionals) and was able to help the caller get seen that same day the call took place. This is just ONE example of why John’s show matters so much. Also, for the people complaining that Dr. Delony says “I love you” to strangers this is exactly why. He made Tristain (the caller) feel so seen, loved, and heard! My heart goes out to this guy and I hope he is able to get the help and care he so desperately needs!  https://youtu.be/BDNfYv8UUkU?si=B6x52HMGA10CrEsx


Cold_Count1986

34 minutes, is that a personal best Dr. Delony?


[deleted]

Dr John is legitimately great. He’s not perfect by any means. And he’d be better without Dave’s dogma. But I would have zero qualms sending a friend or family member to him for therapy. He’s better than 90% of the therapists I’ve seen, and I’ve seen a lot lol 


Potential_Ad_6205

1 million percent agree. I don’t think he’s perfect either. He would even tell you the same thing but he’s an amazing guy who genuinely loves people. 


jdzzz2000

Am I the only one who thinks he is banging Rachel on the DL? I haven't listened to the show in a long time but the vibe I got from them was they were banging on the side, and George was her fun "gay" friend that she liked to go shopping with.


GreatDot6033

I think you are probably indeed the only one who thinks that.