Pros
A lot of the people you work with are good people who really want to help people with their finances. They’re trustworthy, and don’t try to throw anyone under the bus. The new CPO was the best upper-level personnel decision made in a while. He is one of the few board members that seems to genuinely care about the lower level team members. Beautiful campus. The cafe is great. Needs to be bigger but it’s a great perk nonetheless.
Cons
There is an overwhelming fear-based culture. There is a bizarre, unhealthy expectation of conformity to EVERYTHING that comes out of Dave’s mouth. If you question ANYTHING, even if it’s in good faith or minor, you may be told to leave and/or they will question your own character. Vicariously your faith will be questioned ; which often can get intertwined with your loyalty to the company. Spiritual manipulation is a real thing, and Jesus is often put in a corner and pulled out when it’s convenient to the company. Someone once adequately described the culture as if “you get waterboarded with Ramsey kool-aid.” There are some things Ramsey does better than some other companies, but the extreme arrogance allows little margin for reflection into any cultural issues going on. There’s a lot of pretending that RS is so much different and better than other companies, but especially over the past couple of years, they’ve become that corporate demon they claim to hate (debt payoff PR stunt when the company had so much avoidable bad press, forced answers on Best Places to Work surveys, double standards for firings for higher-ups, etc.). Some of that may be growing pains, but the board is SO much more disconnected from the everyday team member than it used to be. Try to at least pretend to live in the same reality as the rest of the company without being patronizing. Benefits are mediocre at best. PTO and flex time is solid and I was never denied PTO so no complaints there. Health insurance is EXPENSIVE for what you get, and there is no dental or vision, which is bonkers in 2021. Benefits are stuck in 2000 compared to the companies who are taking all of RS team members left and right, but I think few in HR are trying to bring it to at least 2010 so that’s something. And no, “company culture” isn’t a benefit even if you try to pretend it is.