Listening to it again:

  • SJ home owners must stand good for SJ’s municipal bonds even if the local government is bankrupt (oops).
  • City manager of bankrupt Vallejo uses several of Dave Ramsey’s phrases:
    • those convinced agains their will are of the same opinion still
    • the money is just a symptom of the attitudes of the people
  • Germany is the most responsible country in Europe.
  • California is full of delusional people with unrealistic expectations.

The power of habit book also mentioned ppl being motivated by lizard brain, which is focused on scarcity rather than abundance.  I want to read more about that.


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