Dave Ramsey begins the book retelling his own
riches-to rags-to riches again tale; how he earned his first million, blew it
all frivolously, and then pulled himself out of debt by working 80 hour
work-weeks. But this book is about more
than financial advice; it is about divinely sanctioning wealth. So confident is Ramsey about God’s divine
approval of his wealth that he recounts the certainty that “God smiled” (3)
when he wrote the check to buy himself a Jaguar with his new found riches. Chapter two is titled, “The War on Success.” The Legacy Journey: A Radical View of Biblical Wealth and Generosity is first and foremost a defender of wealth. Published in 2014 it seems almost certain this book is in response to the critique he faced a year ago.[more below]
Rachel Held Evans accused Ramsey of promoting a “prosperity
gospel,” basically that if one is in right relationship with God, one’s bank
account will flourish. This book only
seems to continue that trend. In the
first chapter Ramsey confidently asserts, “If you do the things I teach from
God’s Word… then over time you will become wealthy…you will become at some
point one of those ‘rich people’” (5). A
couple pages over he declares that handling money God’s way “you end up
wealthy” (7). If this isn’t prosperity
gospel, what is?
Ramsey hosts a daily radio show |
Conveniently, while Ramsey has no problem telling his
readers what they should and should not buy, “I can tell you with 100 percent
certainly that anything you buy with debt—is not a blessing” (69), he’s far
less willing to let his own financial dealings be held to a similar
scrutiny. The money God has given Ramsey
is his to manage and apparently God only trusts Ramsey to manage that money
(186) and the amount a (rich) person has is solely between them and God
(77). How convenient. One can only wonder, if it really
is “God’s money,” why is Ramsey so concerned with keeping and protecting it?
And if Ramsey’s assessment of spirituality is scary—his exegetical
skills are even worse. Despite openly
admitting he’s “not a biblical scholar” (51), Ramsey has no problem
interpreting the passages of scripture critics point out such as Luke 18:27 and
Matthew 25:14-30. Failing to cite a single biblical commentator (six of the
sixteen citations in the book are to his own books); Ramsey asserts that the
story of the Rich Young Ruler in Luke 18 isn’t about money at all but instead
grace (46). Continuing on into Luke 19
and the story of Zacchaeus, Ramsey somehow conveniently stops reading when
Zacchaeus promises to give half of his money to the poor and repay anyone he
had defrauded four-fold. The Bible tells
that it was only AFTER this promise that Jesus said salvation had some to
Zacchaeus’ household. But of course
neither story has anything to do with money.
The Parable of the Talents in Matthew 25 is perhaps the
preeminent text of Ramsey and his ilk.
This story, according to Ramsey, is the biblical justification for
wealth acquisition and why equality isn’t biblical. Yet Ramsey’s interpretive shortcomings are
apparent to anyone paying attention to the context. Jesus had just come from the temple when he
began this long diatribe. He tells three
parables, the parable of the Ten Virgins, the parable of the Talents, and the
parable of the Sheep and the Goats.
Ramsey would surely admit Jesus isn’t literally talking about ten
virgins, or literally talking about sheep and goats. So why does Ramsey think Jesus is literally
talking about money (a hyperbolic amount of money at that?). Because it justifies Ramsey’s entire system.
Amazingly enough, Ramsey fails to see himself in the parable
of the rich man who builds bigger barns in Luke 12. Referencing the story himself (169), Ramsey
asserts the only problem of the rich man was his worship of wealth. Yet despite
the rich man being called a “fool” in the Bible for preparing to “eat, drink, and be merry,” Ramey says it’s
okay to live it up and enjoy one’s wealth (53).
For all his talk of contentment, it’s hard not to think Ramsey is just
as guilty as the rich man of worshipping wealth—nearly the entire second half
of this book is dedicated to maintaining and preserving one’s wealth.
Dave Ramsey's well known work |
In the end, Dave Ramsey’s The Legacy Journey is an unabashed defense of wealth and the 1%. It
is an attempt to divinely sanction a global economic system which has enriched
a small fraction of people like himself while exploiting millions (probably
billions) of people. It promotes an
individualistic spirituality that is neither historically Christian nor in any
sense biblical. It simply ridicules the poor and financially insecure for not
being rich and privileged. The Legacy Journey, and the teaching of
Dave Ramsey it promotes, is neither Christian nor biblical—but rather worldly,
selfish, and uncaring.
[] Dave
Ramsey was in the religious headlines about this time last year when his
website posted the blog 20 things the rich do every day. Christian blogger Rachel
Held Evans called out Ramsey for confusing “correlation with
causation.” Ramsey, in lieu of any
reasonable arguments apparently, responded by calling critics like Held Evans “ignorant.”