The Dangers of Picking on a Dave Ramsey

Dave ramsey's advice on investing is in general terms. He teaches against the dangers of certain investments like viticals and annuities. What i have a problem, though, with is teaching people to expect a 12 % rate of return. The one thing you can do that will get the s c on your back is if you falsely promise rates of return that are not accurate. And so here's a thing he ignores so much very important detail.