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Anthony Stone's Money Foundations teach debt elimination and personal finance through knowledge, critical thinking, and sound decision-making. We are an intelligent alternative to Dave Ramsey's Baby Steps and The Crown Money Map. We also offer fair criticism of the Ramsey Personalities in order to protect you from financially dangerous and predatory practices.
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Quick Read: The Crisis and Emergency Resource Plan
The term "emergency fund" is too restrictive because it considers only emergencies, which are events that require immediate (financial)...
Kevin P. Kilburn
Aug 10, 20213 min read
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Understanding the Stone Money Foundations Philosophy: Part 1 (Principles)
by Anthony Stone and Kevin P. Kilburn Introduction This is the first of a multipart post that explains the Stone Money Foundations,...
Kevin P. Kilburn
May 6, 20218 min read
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Risky Business: The $1,000 Emergency Fund Gamble
We Get It First things first. To be clear, we completely understand that Dave Ramsey (and others) recommend $1,000 as only a Starter...
Anthony Stone
Mar 6, 20216 min read
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Risky Business: Assessing and Mitigating Your Risk
Anthony Stone / Kevin P. Kilburn / et al This is the first of the "Risky Business" series on our blog. This first post is an introduction...
Kevin P. Kilburn
Feb 24, 20215 min read
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Throwing Snowballs at the Financial Celebrities
There are two popular ways to pay off debt: the Debt Snowball and the Debt Avalanche (also known as Debt Stacking). There are other ways,...
Anthony Stone
Feb 12, 20216 min read
57 views
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The Stone Money Foundations: Quick Reference
This is an updated Quick Reference guide to the Stone Money Foundations. Anyone familiar with A Relaxed Approach to Personal Finance will...
Anthony Stone
Feb 4, 20212 min read
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What's Wrong with Dave Ramsey's Baby Steps? Nothing and Everything.
Dave Ramsey's popular Baby Steps have helped over 20,000,000 people get out of debt... just kidding. That's his claim, not mine. Even if...
Anthony Stone
Feb 3, 20214 min read
237 views
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Debt-Free Degree? Not if You're Me.
The hype surrounding Anthony Oneal's book "Debt Free Degree" has created a wave of student loan bashing amongst the members of the...
Kevin P. Kilburn
Feb 1, 20215 min read
60 views
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Chess and Personal Finance: Only One is a Game
Chess is a game. Personal finance is not, period. It's your future! If you rely on financial celebrities and their cutesy marketing...
Anthony Stone
Jan 27, 20214 min read
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Stop Using Dave-ish as a Positive Term
[Note: Edited from the original post for clarity.] If you're using the term "Dave-ish" (AKA "ish") as a positive term to describe...
Anthony Stone
Jan 19, 20212 min read
74 views
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Psychology vs. Math: What's more Important?
Ramsey Personalities put far too much emphasis on psychology and discount math in personal finance. Regardless of what they might believe...
Anthony Stone
Jan 19, 20212 min read
34 views
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Dave Ramsey has no Place in Public Schools
There is often discussion in the hardcore Ramsey Personalities Facebook groups that "we need to teach our kids personal finance in school...
Anthony Stone
Jan 19, 20211 min read
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The Stone Money Foundations: A History and Way Forward
Our motto: A strong foundation is made of stone. In order to build a strong financial foundation, you must have the right tools:...
Anthony Stone
Jan 12, 20213 min read
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Dave Ramsey-ish: Using Logical Fallacies to Manipulate
Dave Ramsey uses the term "Ramsey-ish" (or simply "-ish") to describe any program that doesn't follow 100% what he believes and teaches....
Anthony Stone
Dec 28, 20203 min read
50 views
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Are you abstinent because a financial celebrity told you to be?
Dave Ramsey teaches abstinence for things that can be useful, like credit cards and FICO scores (not to mention requiring his unwed...
Anthony Stone
Aug 31, 20202 min read
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