This is why I love the Ramsey’s, they don’t deviate from the baby steps. After I paid $150k and building up 3-6 months emergency fund, I feel guilty to pay for $10 lunch once a week.

@Water4Mart

2 жыл бұрын

I was there once, thank God I have no more FEAR of debt, because I now know how to get out. You need to spend some cash without fear, or get some counseling about having money anxiety.

@leeowens1598

2 жыл бұрын

I would take a $500 cheap vacation.

@E36ASAP

2 жыл бұрын

Haha $10 lunch calm down it's not that serious.

@austintomkewitz7206

2 жыл бұрын

@@leeowens1598motorcycle camping sounds fun and cheap especially with the gas prices

@dakotagower86

2 жыл бұрын

That’s not quite a good thing partnah 😅

Plan a vacation 5-6 months out that you can pay for then. A lot of times just having the goal in the sights is enough to calm down those feelings.

300$ for a Dinner?! Bro I could afford a small vacation with that

@sariahhayford3331

2 жыл бұрын

Same! I can't even imagine calling $2500 a small vacation. But I'm also on BS3, so maybe that will change

@alittlepieceofearth

2 жыл бұрын

Right?

@MoneyMan28

5 ай бұрын

Maybe in the 1980s, inflation is real

@kuth0287

29 күн бұрын

@@MoneyMan28 $300 could pay for a "vacation" involving a bus ride, staying in a hostel, and something cheap like hiking. It couldn't pay for much beyond that though

Getting out of debt is living counter culture and feeling left out .

Thats like getting going on a diet and getting a cookie for a reward...Getting out of debt isnt hard, staying out of debt is VERY hard...

@UNeedDaBeef

2 жыл бұрын

Cutlerylover didn't know you watched Dave Ramsey 😂

@cutlerylover

2 жыл бұрын

@@UNeedDaBeef :) yeah been watching for years I enjoy his insight and the callers different financial situations its enlightening

Where did you go on vacation?We went to piece of mind.Greatest vacation ever.

Debt free for years, all thrown on house and paid off a year ago this month. Got more money than I know what to do with!

@jo4285

2 жыл бұрын

Donate some of that money to me! Lol

@sincerelysandi

2 жыл бұрын

There is always someone in need. Set up a organization.

@oslotismcboom6733

2 жыл бұрын

Invest invest invest

@Originaltuber

10 ай бұрын

Really cool! Congratulations!! 😊

Don't be afraid to vacation in your own place, home, house, apartment or whatever you want to call it. Whatever you're looking for in a vacation, you can make possible without even "going all out".

@Nepthu

2 жыл бұрын

Very true. For example, I never understood why parents spend big money 💰 on vacations to Disney when small kids would be just as happy going to a local beach.

@thefoodwench4848

2 жыл бұрын

I love staycations. I mean I enjoy trips but my most relaxing vacations are the ones at home. We have a pool, beaches nearby… we grill out…, heck we can even pop a tent in the back yard lol.

@christinebutler7630

2 жыл бұрын

Not if your vacation time can be banked and cashed out later. If your leave is "use it or lose it", then sure, you might as well take time off, you probably have a dozen home repairs and yard chores youve put off forever. But if leave time can be accumulated and cashed out if you get laid off, or have a sick kid for months and have to quit.....you need to keep that time like cash in the bank.

Lol, it's so true. When your unprepared, that's exactly when things break or stuff happens.

@xXJesuslovesyouXx

4 ай бұрын

Some people work 40 hours a week every week for years and still don't have that kind of money 😭

We’re had 25 years of great vacations backpacking on long trail. Gets you in shape, see scenery most people never see, and costs are minimal.

The heat pump went out at my house($7400) and my danged Subaru blew it's head gaskets($3700) all in the same month. I'm sure happier having the savings on hand to turn those two incidents into "Welp, that's annoying. Anyway, on with life" instead of a vacation.

@alinatamashevich3354

2 жыл бұрын

All and I mean all Subaru's head gaskets go out! It is like death and taxes. Feel the love.

@om617yota8

2 жыл бұрын

@@alinatamashevich3354 Yes ma'am, all part of the Subaru experience. If Subaru's AWD system wasn't so danged good, I'd switch to Toyota or Honda in a heartbeat.

@alinatamashevich3354

2 жыл бұрын

@@om617yota8 I 2nd that ! Good news is, the fix it a real fix!

Dave really said it well, and so did Rachel. Money turns a crisis into an inconvenience. I tore the sidewall of a tire on a jagged curb in front of my friend’s house one evening. We called AAA, got the car towed to Costco, and they replaced the tire immediately. I paid very little because the tire had only 5-10 percent wear. We talked about how because I had AAA and a Costco membership, it was only an inconvenience. I was grateful, and happy to have a friend who felt the same.

@truckingmoney485

2 жыл бұрын

Are you a salesman for AAA?

@eckankar7756

2 жыл бұрын

I've had AAA for decades, it's worth every penny. I have Costco and had no idea they have some likewise benefit. Thanks for the heads up

@SarahR2D2

2 жыл бұрын

@@eckankar7756 I had it too during college. It was great they had 400 mile towing etc

@eckankar7756

2 жыл бұрын

@King Of Crunk I've had AAA since the early 1970s and never once had anything but perfect service. I've lived across the country, in the mountains and in large cities, every single time I got the best service with AAA.

@eckankar7756

2 жыл бұрын

@King Of Crunk I've had to wait a bit, it's not like they drop tow trucks out of the sky. I got great service and in a timely manner for the past 50 years with AAA. I have absolutely no complaints with them all this time. Help has showed up in a timely manner and solved my problems 100% of the time. I will never be without AAA.

Emergencies don't seemingly happen to people with emergency funds because people who are smart enough to have them to begin with don't tend to make poor decisions throughout the day. If you're the type of person that thinks you can go on vacation while having no money, you're also probably making poor decisions throughout the day. Which only increases the chances one will bite you bad eventually.

Sure you can, either save up, or take a vacation to your second job.

@musicpro7278

2 жыл бұрын

Lol

@ziadnajm9941

2 жыл бұрын

😂

@genxx2724

2 жыл бұрын

Do you mean a trip to your second job?

Also, make sure that your wife is happy. Don't ignore her in the name of Ramsey. Have a discussion about it.

@matthewlangley3524

2 жыл бұрын

He gave that advice. Maybe you missed that.

@eckankar7756

2 жыл бұрын

Dave says to get with his wife and make a plan and discuss the right thing to do.

I haven't been on a vacation in 12 years you can go one more year

Go on a 3 day mini long weekend vacation (so as to not overstay your welcome) and visit a relative. We've both done this and hosted relatives doing this, and it is very affordable. You eat at the home, and one time during the visit we treated them to a dinner out, also covered groceries. All we had to pay for was the dinner and groceries (which we would have bought at home anyway) and gas to get there and back. We went and did sightseeing at local attractions on the cheap (parks and such). Very affordable and a much needed break and change of pace.

I've only had emergencies while having a fund. I build it back up and bam next one happens. Never enough time to build the other funds.

@rachelrivera2997

2 жыл бұрын

Ugh I feel that. Especially in today's world with all the craziness. I'm at the point of just deciding to live a little since it feels like I have setback after setback. Thank God He's always taken care of me, but just been years of setbacks and I need a breather to relax.

@austinjohnson7746

2 жыл бұрын

I'm in the same boat now bud

@PaulStraunMusic

2 жыл бұрын

You have the fund to cover the emergencies though. Don’t give up it’s better than going back into debt.

@MWebb-de9pq

2 жыл бұрын

@@PaulStraunMusic very true, and I'm grateful. Just wish Dave wouldn't proved false hope by saying once you have it, it's almost like youll never use it.

The answer isn’t no, it’s when. They’ve earned the vacation, they just need to have the cash saved to pay for it.

@eckankar7756

2 жыл бұрын

Yes...maybe not right now...but it's coming.

@jrwntctv8091

2 жыл бұрын

Often we interpret something as a "no" when it's actually a "not now" or "not yet".

Why does everyone live somewhere where they feel like they need a vacation? Be weird, live in a beautiful State, and area where you feel like you're on vacation where you live.

@SarahR2D2

2 жыл бұрын

That's why we moved to WNC

@markg999

2 жыл бұрын

Big reason why people vacation...to see new places.

@SarahR2D2

2 жыл бұрын

@@markg999 New places requires new money

@markg999

2 жыл бұрын

@@SarahR2D2 Agree, if you have the money great to vacation.

It's not really a vacation if you are stressed the whole time about what could potentially go wrong with no Emergency Fund! And always over budget for vacations, there's always added costs that pop up somewhere.

The finish line is in sight - don't give in now!

@eckankar7756

2 жыл бұрын

Absolutely

Watch dave so much I know the answer to the title of videos before I watch them😁

Go on a day trip: explore some part of your state you've never been to. That's to scratch the it. Just don't go into debt to pay for that vacation because it will take away some of the happy memories.

@QueenStylin

2 жыл бұрын

Exactly! There are free national parks or ones that are less than $10 to explore.

It’s probably not a weird statistic if you think about the behavior and mindset behind people who finish and put together an emergency fund vs those who get complacent. The ones who are diligent are likely diligent in other areas to prevent emergencies or solve problems before they become huge issues. Where as those who get complacent I would think tend to be complacent in other areas. As Dave always says it’s not an intellectual/math problem it’s a behavior problem.

Building my primary emergency fund nonstop biweekly for about three decades. Even when broke. Never needed and it keeps growing. Part of the reason why I'm not concerned about inflation. It will be part of my long term care plan for later if needed.

😂😂😂”your transmission is gonna go out if you do this”😂😂😂😂😂

Trevor probably watching this while on vacation

@eckankar7756

2 жыл бұрын

And waiting for AAA to tow his broken car.

I never understood why parents spend big money 💰 on vacations to Disney when small kids would be just as happy going to a local beach.

@camcam221133

2 жыл бұрын

It depends if you've got the money to or not!

@Nepthu

2 жыл бұрын

@@camcam221133 Most of the time, they're relying on big brother Mastercard.

@allihead6292

2 жыл бұрын

Maybe the parents hate the beach and love Disney.

@angel-gc2dp

2 жыл бұрын

@WheresPaul#1981 debt is amazing to

Live your life like a business, might not be "cool" but having a comfortable life every day is more important than constant worry hoping for occasional gratification

Only spend have you have

Emergency fund: It’s like Murphy repellent.” 🤣🤣🤣🤣

The emergency fund is crucial because emergencies do not go away, they become manageable when you have the fund. Water heater goes out? "We can cover that".

@xXJesuslovesyouXx

4 ай бұрын

I agree but that means the answer is no no you cannot take a vacation lol

I think if you have to ask the question you probably shouldn't go on the vacation....

That’s a bold move cotton, let’s see how it plays out…

Take a road trip and call it a day.

@RichardS-hz6wn

2 жыл бұрын

With gas at 4.20?

@catt99mahal8

2 жыл бұрын

@@RichardS-hz6wn Thats True! Maybe they just go to the movies and call it a day. 😁

Short answer: NO

@xXJesuslovesyouXx

4 ай бұрын

Truly middle class or upper class are the only people who can afford that and most people are not middle class 😢😂

Surely there could be a short, cheap vacation they could take. Go hiking for a day and camp out or something.

Life is to short, enjoy your vacation

U could go on a road trip and crash with friends or family outside of ur own town. Sometimes a change of scenery is all u need to be reinvigorate urself.

$2,500 is a "small" vacation?...

@RichardS-hz6wn

2 жыл бұрын

Yes

@xXJesuslovesyouXx

4 ай бұрын

​@@RichardS-hz6wn😢😢😢

I would go to Dairy Queen for an ice cream after a hike. Have the kids go to a friend or relatives for the evening or night. Sleep in, and then take an hour and read a good book or do a puzzle.

Stay the course Trevor and Co

Cmon just learn to relax and have holidays without spending money. Go for some camping trip or relax at a lake or something dude. Ramsay way is to also learn to use only the money that you have. And if you don’t then be creative. Take a weekend off.

@blackworldtraveler3711

2 жыл бұрын

When I was broke starting my career taking a weekend off knowing I had zero debt,roof over head,saving money and the awareness of a great future was a good vacation. Only got better from there. I was single though and even then many broke women though I was weird because of this.

Escape the snow by going to Cayman Islands or Fiji.

With the way gas prices are going and the whole Russia situation I would say NO!

@eckankar7756

2 жыл бұрын

Soon $2500 will be a tank of gas.

@michaelfleming40

2 жыл бұрын

Yup, elections have consequences America. 😠

@Polostar79

2 жыл бұрын

@@michaelfleming40 you’re right. Things would be considerably worse under 45.

Caller:. Can I go on vacation for $2500? Rachel: Derp .. I don't think so but I don't know Dave:. No you have to wait till your 74 at that point your hips will give out and you won't enjoy it anyway so stay home :) All in fun.... Love Ramsey

@xXJesuslovesyouXx

4 ай бұрын

Sad truth

Don't get married and don't have kids, then everyday is vacation.

@jeromehenry4484

2 жыл бұрын

Especially for women!

What if you can do remote work or tap some other skill to make it a working vacation?

Just have a really nice dinner and get a 4 star hotel room in the city for a weekend. Then back to work.

When I get this home paid off I am gonna take my brother and his wife out to dinner to celebrate; not gonna do a vacation. Perhaps it might encourage them to be more frugal. They spend too much.

Take a vacation in your backyard.

Beans and rice is a real thing. Behavior.

Yea i do it all the time 😂😂😂

Can I comment without the fake scammer showing up

They feel they earn it that's why. Patience.

How would he pay for the vacation that he doesn’t have cash to pay for? Go into debt right after paying it off?

Vacationing at home is the cheapest thing to do if you need to blow some steam.

Vacations are overrated. Work is better. Haven’t taken one in probably six or seven years. Better to work and if you have the option for a PTO payout, take the money.

Murphy repellent!!!!! Rofdlmao

Kind of reminds me of happy Gilmore. They need to celebrate every single mile stone. Was hoping more of the you don’t belong in a restaurant unless you work there attitude. from Dave.

His wife's taking that vacation without him. LOL

Go the gym, go to the movies, go hiking/swimming/camping

Nice

Inevitably would happen on vacation.

Save your money. Holiday at home.

I’m in this battle with my wife. We just be some debt free and her sisters are going to Europe in May and she wants to go with them before we get our emergency fund.

@Dreambig62

2 жыл бұрын

You lost when you got married 😂😂

@Water4Mart

2 жыл бұрын

Happy wife broke life 👍💯

@socku5850

2 жыл бұрын

Sometime in life you don't get everything you want. Stuff happens deal with it. I wants to go on vacation with my parents but I didn't have enough money. Or I got sick or injured on the specific date that events. Family members you can not go special events because we don't want you. I learned this well growing up with a disability. The problem with this generation is fomo.

@christiansalazar4604

2 жыл бұрын

@@Dreambig62 yup lol.

@clarifyingquestions

2 жыл бұрын

Isn't this how you got into debt in the first place. Spending money you dont have. It is called being an adult. sheesh

No.

Just go to mc donalds, have a few cold ones and keep pushing.

Another option is: you just don’t tell Dave !! 😁😁😁

Dave should look into voice acting.

Yeh its so weird when you have money you don't have them break downs

I have emergencies every week. So I dont know what Dave is talking about

Take the vacation, you need to recharge otherwise you’ll burn out for the journey.

It's called a staycation. Sleep in and watch utube

Seriously? How can you even relax and enjoy yourself?

What if you don't like vacations? Like me?

I'm glad that my vacations at work are not paid. I'd be allowed to take a week off, but not with pay. If I got paid vacation, I'd probably punk out and take it.

Take a vacation in your mind - it’s free.

I'm not quite sure what an emergency fund is? if someone is saving money it's called saved money. Part of your saved money is now being used for a vacation.

@JudaZuk_

2 жыл бұрын

a fund only ment for emergencies .. a vacation is not an emergency .. that is what you save up money for ..

The advice he is giving is good for him because he's rich and makes millions of dollars a year so he can afford vacation anytime he wants. the Average American under his advice would NEVER go on Vacation which makes no sense

No. Next?

Unless you have the cash no you cant take a vacation. If you can save up sure...I guess.

But what if we just used our emergency fund, and don’t have quite the $1000 saved back up we are very capable of saving it back up after the vacation, but this vacation was actually a Christmas gift?

@DavidRamseyIII

2 жыл бұрын

It’s no vacations at all until the full 3-6 month emergency fund is saved. Not the $1000 starter fund

@JudaZuk_

2 жыл бұрын

a vacation is not an emergency

Vacation doesn’t have to expensive

Trevor might want to build a bunker, most of the ICBMs are located in your neighborhood

The answer is no no you cannot afford a vacation

You cant work without being alive and a vacation can prevent loss in grey matter leading to better decisions later.

0:49 poor Rachel is never going to learn Dave bails her out he’s trying to teach it She’s a spender and just has enough cash to make it work. She’s a fake. And I can’t listen to her. Kristy was better

Short answer. No, you cannot go on vacation with no savings. Dumb question.

Do a day trip.

Just put it on a credit card.

An opportunity to look for activities that refresh that don’t cost that much. Get a massage?

I’d like to send my wife on a permanent vacation…

@braydenkessler3752

2 жыл бұрын

Very cool Eric!! Thank you for sharing!!!

@erickisel8668

2 жыл бұрын

@@braydenkessler3752 any time

No vacation. Vacations are luxury. You need that savings if someone gets laid off, or your furnace dies. It's there for a reason.

@angel-gc2dp

2 жыл бұрын

people want that luxury life

Delayed Gratification!

Who needs a Phd thesis topic? Here: " Dave Ramsey and the spirit of Protestantism "

Invoking Murphy law is novice

But I deserve it!!!

I’m learning to stay away from the comments.. The more I read the more they just confirm that “straight” men really don’t even LIKE women 🤣😭