Dimitry Neyshtadt says he’s sick of the common rhetoric coming from the top of the personal finance industry.
“Not everybody wants to hear 60-year-old Dave Ramsey bark at them and tell them they have to count every latte in order to be financially successful because it’s not true,” says Dimitry, a Chartered Financial Consultant (ChFC) and founder of 90DayMoneyPro.com.
“You can have your cake and eat it, too. That’s my language. There’s a way to find optimal balance where you don’t feel like you’re choking yourself. It’s quite the contrary. You feel proud because you’re able to juggle all of the stuff you want to handle.”
Dimitry aims to be Bill Nye the Science Guy of personal finance, breaking down complex topics into easy-to-digest pieces.
“The #DebtFreeCommunity is something that I’ve always known was there and I’ve been a resource for showing them how to optimize their entire finances and not just thinking that debt-free equals financial success. You’ve got no debt, but you’ve got no money and no protection. You’re kinda fucked! I’m being real.”
That’s why seeing debt on a spectrum instead of deeming all debt bad is crucial, he says.
“When an individual listens to Dave Ramsey, it feels so one-on-one, but Dave is speaking to millions. And that’s where the challenge comes in. His Baby Steps are outdated. The best comparison is that old wiggling machine that can jiggle the fat off of people.”
Getting on that fat-jiggling machine, Dave Ramsey’s 7 Baby Steps plan, is better than sitting down on the couch and eating potato chips, Dimitry says.
“But it’s so outdated and inefficient. And it needs to be replaced with the truth. And the truth will set you free. I show folks how to turn their finances into a well-oiled machine.”