Say goodbye to debt forever. Start Ramsey+ for free: bit.ly/35ufR1q

@GoldenEraZen

3 жыл бұрын

❤🙏

@shashankrai8

3 жыл бұрын

I can't pay from india. And I really need this. HELP

@sherribaker1016

3 жыл бұрын

I would love to take this class, but struggling financially.

@hands2hearts-seeds2feedamu83

3 жыл бұрын

I am on a fixed amount for food, so I can't over spent. I am disabled, but do not drawl disability. I still try to work I hurt a lot and do not have health care

@harolddaxton3832

2 жыл бұрын

Instablaster.

Never go grocery shopping without a list.

@davidcox3076

3 жыл бұрын

My wife is happy for me to go grocery shopping. She told me recently that I'm much better at sticking to the list and not grabbing impulse items. I'm more likely to miss something on the list than to get extras.

@BSON900

2 жыл бұрын

This! Always!

@msshawn4048

2 жыл бұрын

Hello! Agreed.

@hempdawg7172

2 жыл бұрын

Never go to grocery store hungry lol

@ebonysharee

2 жыл бұрын

shop outside the aisles and incaps lol

Restaurants are the killer of your budget. Once I figured out how much I was spending eating out per month, I changed my ways quick.

@amandadean3948

3 жыл бұрын

Truth! Same here.

@biancajingles2690

3 жыл бұрын

True! $15 here, $15 there really adds up! Sticking to a budget helps keep that in check.

@wayward03

3 жыл бұрын

Online shopping....and car payments.

@michaelwelch442

3 жыл бұрын

Good thing restaurants are illegal now

@alienresearchlab

3 жыл бұрын

@@michaelwelch442 Yeah. That's one way to solve that budget issue. Shut it everything down. I think I'd rather make my own decisions than have the Gov make them for me though. If they took away grocery stores too I would really save some money! Of course I would eventually die or have to start hunting which is also illegal in most of SoCal.

Caller: Dave should my 4 year old take karate lessons? Dave: What's his income?

@sophiabandage3889

3 жыл бұрын

Lol

@jmiller8678

3 жыл бұрын

😂

@panagiotisbotonakis2349

3 жыл бұрын

How much do u have in debt?

@BunkMasterFlex77

3 жыл бұрын

@@panagiotisbotonakis2349 kid has an income problem and his shovel isn't big enough

@jerrynguyen9895

3 жыл бұрын

Beans and rice before practice

Food delivery apps are keeping you poor. Don’t be lazy and cook at home.

@Zeus0886

3 жыл бұрын

Exactly. They charge more on the apps for the food and when its delivered it taste like 💩

@jc3858

3 жыл бұрын

@@Zeus0886 and usually cold, our delivery drivers are absolute doughnuts, they get lost every time eventhough we live in town and we’ve wasted £25.

@evelyndaisy9722

3 жыл бұрын

Exactly. I started to place and order the other day and all the extra fees was going to cost More than the food. I cancelled and made me a sandwich . Lol

@LoverboyB_Pookie

3 жыл бұрын

gotta pay an extra $2 in CA now to use uber eats and the rest of the apps

@usecriticalthinking243

3 жыл бұрын

@@evelyndaisy9722 lol the fees deter me from ordering sometimes too.

"It isn't how much you make, it's what you do with it." Wisdom my mom told me many years ago.

@natashamayweather7171

3 жыл бұрын

Indeed

@vickieclark5931

3 жыл бұрын

Yep. Dave has said many times that you can't out earn your stupidity. That's why he has so many callers that make a 6 figure income and live paycheck to paycheck. Listening to some of these callers prove that income in not a problem in most households. It's how they spend their money.

@PInk77W1

3 жыл бұрын

I was on a city bus. A homeless guy sat next to me. Out of the blue he said “It’s not how much money u make It’s how much u spend.”

@diannathornton2911

3 жыл бұрын

Exactly ....my dad's statement: "It's NOT how much money you make, it's how you manage your money"

@PInk77W1

3 жыл бұрын

@@diannathornton2911 I see so many people who have no plan and life just happens to them. I just got a new job six months ago. 7 co workers. 3 are massively in debt and Eat out everyday. I want to scream. They make fun of me for eating Oatmeal and blueberries everyday at lunch. LoL.

I'm in my 50s and I'm more interested in investments that could set me up for retirement , I mean I've heard of people that netted hundreds of thousands during these crash, I listened to someone on a podcast who earned over $650K in less than a year, what's the strategy behind such returns?

@SofiaDiego-

2 ай бұрын

You're not doing anything wrong, you just don't have the required skillset to profit off a down market, folks that are making profit in this market are pros and experts with in-depth knowledge and skillset.

@EsmeraldaEsmeralda-w

2 ай бұрын

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

@Alejandrolucia-s

2 ай бұрын

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

@EsmeraldaEsmeralda-w

2 ай бұрын

MEGHAN MAUREEN KRISTENSEN is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

@RomeroCarmen-4

2 ай бұрын

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

When I first started budgeting I realized I spent 500 a month at work... buying breakfast before work, buying lunch, buying snacks. 5 days a week, average if 25 dollars a day sometimes more. I’ve saved money and lost a little weight.

@mmmarinakis

3 жыл бұрын

I realized I was spending $600/month on average on groceries and doing the same. It's absolutely insane! I went out to lunch every day just to get out of the office. Now, I bring my food and take a drive or go walking at lunch I stead

@martian_4348

3 жыл бұрын

@@mmmarinakis you need groceries. You don’t need fast food

@alfienykabutler5919

3 жыл бұрын

It's like paying to work. now think if you had to pay for childcare and commuting (gas, bus, train)

@MaJeSTiCz0

3 жыл бұрын

I just have Eggs on a english muffin and a banana and apple for lunch with water until I go home.

@zachhawkins5005

3 жыл бұрын

Me too, I was spending 350 a month on convenience store food and fast food at work. No more.

You know it’s going to be good when the caller says we have no debt except a car loan and mortgage 😂

@BornaBlessing13

3 жыл бұрын

😂🤣😩 I chuckled honestly

@joee3582

3 жыл бұрын

Surprised there wasn't a student loan.

@RosePigCooking

3 жыл бұрын

Lol I said the same thing

@JustAName-it5qp

3 жыл бұрын

De-Nile is a river in Egypt

@dejacordero7016

3 жыл бұрын

I laughed out load when she said that😂

Dave has given me the financial intelligence that my parents never did. For that, I thank him.

@ManiacFitness

Жыл бұрын

It's all common sense really. The thing is that it's easier said than done. I always plan on "next week" I'll start putting $50 a week away. By the time I pay whatever bills are due that week and get minimal groceries and if the kids Need anything I'm left with $100 to make it til next pay for gas and God forbid something comes up. I'm never able to save anything and I'm not prepared for an emergency

@Dagrizzb

Жыл бұрын

@@ManiacFitness thats definitely not ideal. But,$50 a week is still $200 a month, or $2400 over a year. Better than not having it aside, thats for sure. You just gotta figure out if you can cut costs anywhere in your life.

@jeepsishumate2021

Жыл бұрын

they did you just wasnt listening

@Dagrizzb

Жыл бұрын

@@jeepsishumate2021 I can assure you, they did not. "Had I known I was going to live this long, I wouldn't have spent so much money." "That's what money is for son, to spend. You can't take it with you when you die." "I don't care if I break it, I'll buy another one." Quotes from dad. No house owned. No retirement fund.

@Leopardv8448

Жыл бұрын

@@Dagrizzb thats right easier said than done

"You're eating your retirement." I feel personally attacked. 😒

@Intentionaltia

3 жыл бұрын

Lol

@stanleyfredrick2735

2 жыл бұрын

But yeah.. that’s what a lot of people do these days... instead of investing

@monsterftw4481

2 жыл бұрын

@@stanleyfredrick2735 True.

@calissaloricchio3957

2 жыл бұрын

my closest family member had to use like all her retirement and i hate it....i hope i can help her out soon...

@dirtroadrebel2735

2 жыл бұрын

LOL 😆

When I was a child (about 1959) I watched my father put cash in envelopes every payday. Wasn't long after that he gave me an explanation. If you have a $400/month car payment, every payday put $100 in an envelope. When the car payment comes due, you have the cash in an envelope. Same with an unknown expense such as vehicle maintenance. Every payday put $20 in an envelope. When it comes time to put out $800 for tires, you have cash in the envelope. Tires are not an $800 "emergency." 62 years later I am still using those envelopes.

@SquidShield

3 жыл бұрын

Everyone could use those lessons from a parent!

@justliving2601

3 жыл бұрын

It’s called cash stuffing. People post it here on KZread, it’s so smart tbh

@TheJoseXperience

3 жыл бұрын

Your dad was paying 400 a month in 1959 wow

@lymarie1974

3 жыл бұрын

Thank you so much for sharing your dads wisdom. I just took a screenshot to remember 💕

@mattfisher550

3 жыл бұрын

O

Don’t go grocery shopping when you are hungry- 💯 Dave🙌🏼.

@lymarie1974

3 жыл бұрын

Yep I’m guilty of this

@vildachaya6462

3 жыл бұрын

Too tired to cook after shopping. Ordered out

@ournextepisode3653

3 жыл бұрын

Order it online and go pick it up

@jimhandler1129

2 жыл бұрын

Went grocery shopping after eating. Didn't buy anything. Next day, when I was hungry, I looked in the fridge and checked the cupboard. Had nothing to eat. Always go grocery shopping hungry. 🤣

@Musicienne-DAB1995

2 жыл бұрын

Correct! Have been guilty of this many times.

" Eating my retirement" Wow something to think about.

@conureron3792

3 жыл бұрын

I was doing it, probably still do, ...but a little less.

@leadnsteel1428

3 жыл бұрын

Fast food was my problem... I cut that out make my lunches at home and realized how much I was spending buying fast food

@stephanieroberts382

3 жыл бұрын

Yes, eating out can destroy a budget.

@vickieclark5931

3 жыл бұрын

IKR? When Dave says it that way it kind of makes you stop and think.

@sleepychris3095

3 жыл бұрын

@@leadnsteel1428 this is my problem it’s so hard to change lol

$6k take home and broke. Unreal.

@Brown270TTV

3 жыл бұрын

Something ain't adding up.

@tonytoni1150

3 жыл бұрын

That’s exactly what I said.

@johnsuggs8810

3 жыл бұрын

That can’t be take home of its 72k per year. That’s gross. Maybe 4500 take home more like it.

@mustlovedess

3 жыл бұрын

That’s where having kids messed you up

@johnsuggs8810

3 жыл бұрын

@@mustlovedess right. I totally get why dudes bounce on their kids for a better life. I probably would too tbh

Food is our big hole, cook at home folks

@user-td7xf3gz4l

3 жыл бұрын

Nah

@stayathomemarine

3 жыл бұрын

@@user-td7xf3gz4l what's your net worth

@jojachow

3 жыл бұрын

Foreal. Ubereats is like $15+ per transaction..... Imagine spending $15 at the grocery store instead, thats a lot more food

@mbank3832

3 жыл бұрын

@@user-td7xf3gz4l what’s your household income ?

@bellavie1506

3 жыл бұрын

😢

At 42, I've come to realize that money is a tool. I’ve worked so hard over the years to realize that if you don’t make money work for you, you can’t experience true freedom. I’m glad I found that out although it was later in life, but that marked the turning point in my finances.

@Rigbully

7 ай бұрын

That sounds about right! I also consider myself to be on the right path in terms of my finances because I have enough stashed away for emergencies but can’t boast about knowing how to make it work for me. How are you doing it?

@Friedman323

7 ай бұрын

@@RigbullyIt’s obvious that the stock market can be quite unpredictable, but with professional help, I’ve been able to beat this danger and make profit with my IA’s help. It’s not magic, it’s common sense. I invest with Jonas Herman, a pro wealth strategist, in case you are wondering.

@Christensen554

7 ай бұрын

Do not forget that prices can be erratic, rising and declining quickly, often in relation to companies' policies, which individual investors do not influence.

@clairewinchestermurray8703

7 ай бұрын

I agree, and for that reason I prefer to have a financial consultant like Herman make my day-to-day investment decisions. Given that his entire skill set is based on going long and short at the same time as well as employing risk for the asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis he's got, it's nearly impossible to not out-perform. I've been using him as my financial consultant and the rate of accrual on my portfolio has been positive over the years.

@Baptisizm

7 ай бұрын

I tried getting into stocks myself some time last month and lost a ton of money as I was ill-advised. Can you please direct me to him as I’d like to hear from an expert?

I make 75,000 a year and have a 1700 house payment, no debt. I used to live pay check to pay check. Then I found Dave and budgeted - now I have a 6 month emergency fund AND I throw 500 to 1000 month extra on the house to get it paid off in 6 to 8 years.

@markmooserock

3 жыл бұрын

That's great. Keep it up!

@terryoldridge5638

3 жыл бұрын

@@markmooserock How much do you spend on food a month?

@terryoldridge5638

3 жыл бұрын

@@Ryaninsanity Thank you!

@wisdomok99

2 жыл бұрын

How ??

@wisdomok99

2 жыл бұрын

I have similar situation I am messed up...

I started stacking to SAVE wealth. I've always been the type of person to spend my entire paycheck. I hate having money just sit in the bank. I am under pressure to grow my reserve of $950k. before I turn 60, I would appreciate any advice on potential investments.

@Curbalnk

10 ай бұрын

Firstly, You could lose it all and you could win it all. It goes both ways. Second, what works for A may not necessarily work for B and you should not be a bandwagon investor. A good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge.

@Shultz4334

10 ай бұрын

@@Curbalnk Facts!! Since the market became extremely volatile and pressure increased (I should be retiring in 17 months), I took the decision to work closely with a financial advisor. It has already been 9 months and counting, and I have made approximately 600K net from all of my holdings.

@velayuthman

10 ай бұрын

@@Shultz4334 That's impressive, my portfolio have been tanking all year, tried learning new strategies to gain in the current market but all of that flew right over head, please would you mind recommending the Advisor you're using.

@Shultz4334

10 ай бұрын

My advisor is the quite famous *HEATHER ANN CHRISTENSEN* She has been making a fortune online worth millions of dollars in digital assets for a select few for years. Lately, these types of services have appeared that allow you to copy the results of the experts. She demonstrates how to copy it automatically using that system.

@velayuthman

10 ай бұрын

@@Shultz4334 Thanks for the info, i found her website and sent a message hopefully she replies soon.

I’ve started doing grocery pickup only. That way I can see what my total bill is before paying and if it’s higher than my budget I go back through and remove things I really don’t need. It’s helped tremendously.

@Mrs.TJTaylor

Жыл бұрын

That’s a great idea.

@joecampbell8464

Жыл бұрын

smart.

@luvsosa12345

Жыл бұрын

I'm doing this now

@mumsstuff2496

11 ай бұрын

100% i do this, I also make meal plans so that I have a weeks meals out off the items.

@xenn4985

9 ай бұрын

Thats... you do realize you have a calculator on your phone, right? You can just do that in the store???

“ I was doing to much stupid in grocery stores and restaurants “. Boy I felt that 😳

@jesseenixon2893

3 жыл бұрын

i def do stupid in grocery stores. Thats my spot

@globalmuffin2

3 жыл бұрын

@@jesseenixon2893 not keeping the refrigerator clean makes me throw away a lot of food.

@lydiah7184

2 жыл бұрын

He was talking to me 😬

@girlmeetskingdom

2 жыл бұрын

That’s me🥴😩

Cooking at home, eliminating corner store snacks, and paying yourself every check will get you started. I did this working 14 an hour and saved about 400 extra a month.

@tommyparkerparker

Жыл бұрын

Cut out Starbucks every day.

@Leopardv8448

Жыл бұрын

Cooking so true pre season meat bag them up bring them out the freezer and cook away.

@stevensanchez1192

Жыл бұрын

​@@tommyparkerparker I'm glad I don't like coffee

@anevabay9771

4 ай бұрын

What is "paying yourself"?

@jennyoyster5054

Ай бұрын

Corner store snacks 😫😫

It does feel like you get a raise when you use a budget, track every expense and you will realize where your money is going. A budget is a must!

@QueenStylin

3 жыл бұрын

Yes! As soon as I used the budget app I didn't realize how much extra money I wasted. And because of that I finally was able to buy my first washer and dryer. I always thought I didn't have enough money to get one.

@MEDANNY20

3 жыл бұрын

@@QueenStylin Which budget app do you have?

@QueenStylin

3 жыл бұрын

@@MEDANNY20 every dollar

@littlesongbird1

2 жыл бұрын

I agree 100% I budget and track my expenses and it's amazing how much money I save now.

@43Steelerss

6 ай бұрын

when I budget I realised I have to much bills/expense for my incomes. not to mention I was spending 800$ a week on coke and 200$ on beer 50$ on dip (tabacco) no groceries but 1000$ months on mortgage 1500$ a month on debts and 800$ of gaz per month with all the electricity bills that I didn't paid, my phone that didnt not paid but I was workig 80hrs a week. I thoughts drugs and alcool was the problem in my finance but I realised I need to leave 800$ per pay in my bank account before any personnal money. without overtime hours thats what I make...

this guy's deep voice is mindblowing, could listen to him all day

@jimhandler1129

2 жыл бұрын

He doesn't work for Ramsey anymore

Groceries, eating out, online shopping, and random purchases is what adds up!

@Hellenicheavymetal

4 ай бұрын

yep and cigs if you smoke, alcohol if you drink.

It’s beyond me how folks twice my age are calling this show, saying that they are bleeding money. Thank you Dave for coming into KZread and allowing me to find your content as a teenager ! I’m 26 now

For me, I believe retirees who struggle to meet their basic needs are the ones who could not a lot of things. My wife and I both spent same number of years in the civil service, he invested through a wealth manager and myself through the 401k.accumulate enough money during their active years to meet their needs. Retirement choices determine We both still earning after our retirement...

@John-bd9fj4435

2 ай бұрын

my mentor Jenny Pamogas Canaya..

@greaterishe7197

Ай бұрын

My goal!

Other parts of the budget people lie about are: shoes, clothes, cosmetics, alcohol, and pet expenses. For every dollar spent on groceries they might spend four dollars in those other categories. $72k a year can evaporate before your eyes.

@wayward03

3 жыл бұрын

I know someone who can't keep a balance on three times that money and they live in Phoenix....you can always spend more.

@John_Lukas

3 жыл бұрын

If someone makes $72k a year and can’t invest some theyre just irresponsible it amazes me how someone can make $70k+ yet have no financial literacy

@wayward03

3 жыл бұрын

@@John_Lukas tons of jobs pay that, doesn't automatically mean you are good with money. It's very easy to spend 100% of your income

@littleone3357

3 жыл бұрын

Don't forget the cigarettes and lottery. Then the alcohol added to it.

@jenniferi.4385

3 жыл бұрын

@@littleone3357 you forgot tattoos. The 'poor' people always have money for more tatoos.

I noticed groceries was my largest expense so I opened a checking account and put a set amount at the beginning of the month and ONLY use that amount for our groceries and this has worked amazing for us. If there is any money left I leave it in there and add less the next month.

@jasmineestafia

Жыл бұрын

❤❤

@Rlduncan1

Жыл бұрын

That’s a good idea!! 👍🏽👍🏽. Every time I go to the grocery store, I say I’m going to be careful how much money 💰 and I wind up spending too much. I’m getting better now.

@432Tx

3 ай бұрын

As long as it works for you, but I like the envelope method

What helps us with grocery shopping is shopping online or doing curbside pickup. You get to see exactly how much you're spending before you spend it and can delete and add groceries according to your budget. It has definitely helped us. When we go to the store to shop, it always amazes us how much more it can be versus doing it online.

@littlesongbird1

2 жыл бұрын

I love shopping online and doing curbside pickup. I saved money because I was no longer doing impulse shopping while at the food store and yes: it helps you to be able to see the total.

@kendolynow

Жыл бұрын

Yesssss! I've noticed that as well. I use Target pick up. I really think hard about if it's worth buying or not when online grocery shopping compared to in-store.

@carlostosado8965

Жыл бұрын

I’ve been doing this and it’s great!!! I also don’t have to spend hrs at a dam store. I tell my boomer mother in law to do curbside pick up she tells me that’s just lazy!!! I laugh that’s why your 60 and refinanced your home several times and owe 120k on it and you got it for 70k. I will not take financial advice from you

@Leopardv8448

Жыл бұрын

I noticed that tooo

@theginjaninja3606

10 ай бұрын

@@kendolynowi dont know if you are from the midwest, but we have a store called Meijer where over here that does shop and scan, so as you shop you have to scan every item and it totals it out for you as you go, and it really helps to show you how much you spend. But on too of that it clips coupons for you as you go and then you just scan your phone at the end! Its amazing, using the tool more has saved the pennies to make dollars 🤌🏼🤌🏼

How I stopped living paycheck to paycheck: got laid off

@jdi5909

3 жыл бұрын

😆😆😆

@G-bit88

3 жыл бұрын

Loll

@anaiyasmommy1

3 жыл бұрын

I’m sorry to hear this. I hope your employment and/ or entrepreneurial outlook improves soon.

@hegemondtm

3 жыл бұрын

@@anaiyasmommy1 it's a joke

@offroadvehiclelover

3 жыл бұрын

Funny the first time but you just spam, heard it before in other vids on this channel from you.

Thanks to Dave I recently sold my 2020 Honda civic si i was paying around 380 a month for it, came across his videos of car payments and called my bank to get the payoff and went around to see what my car can get appraised at and got a little more than what my payoff was. Shortly after i bought a 08 camry cash and have been so happy not having a car payment!!

@Diaryofaqueen777

2 жыл бұрын

I’ve been payment free for a year and I feel so freakin liberated!!!

That grocery list tip is so true. I go in for some bread and juice, and come out with $60 worth of cheese for a sudden late-night charcuterie board.

@whatsapp7930

Жыл бұрын

Thank you for your comment much appreciated, Be sure to leave a message on the line above 👆 👆 for more helpful information,complains and investment guides 💯💯💯 ⬆️⬆️.

It’s amazing how dining out is such a big thing in the States. It seems to be something a lot of people do weekly, even daily! Not so much in Ireland. It would have to be an occasion or outing of some sort. Just a random insight into cultural differences😊

@whereschloevids

3 жыл бұрын

That is interesting! How do restaurants turn profit? Also does going to pubs count as dining out?

@dylanlyons6

3 жыл бұрын

@@whereschloevids restaurants do okay tbh, usually they’re at their busiest in the evenings, but overall they seem to survive. And no, that does not include going to the pub, although tbh that’s something which is also dying out in Ireland - pubs aren’t what they used to be outside of the major cities/tourist spots

@whereschloevids

3 жыл бұрын

@@dylanlyons6 That’s too bad about the pubs. From what I know about them, seemed like a nice tradition. The way I grew up (in a major US city) we’d do family dinners out 1-2x/wk at least. (Like Friday night, then Sunday after church.) That habit increased when I was at university (funded by my parents haha), then dropped to once a wk dinner or brunch wi friends when I was a poor post-grad. Once my income leveled out it went way too high, like 4-5x. Too unhealthy and expensive. Now I’m more measured. But I don’t ever remember a time in my life where eating out didn’t feature prominently. It’s like a given here. Since pandemic, that’s just been replaced by ordering takeout

@SippenSomeTea

3 жыл бұрын

I can tell a difference from living in a rural area and a metropolitan area here in the US. Some family who lives in a city environment eat out 1-2 times a day! I eat out several times a month and have begun to cut back - thanks to Dave

@bev7236

3 жыл бұрын

@@whereschloevids For the past 20 years, I cook every day but Sunday. We rarely eat out, usually just on vacation. I was actually surprised to realize a few years ago that I'm rare these days 🤣. I love knowing what's in my food and knowing I'm feeding my family high quality food. And yes, I'm in the US.

My colleague and her husband needed to move up from a townhouse to a house, but couldn’t afford to. She told me her husband went out to lunch with his colleagues every day. It was expected. They usually weren’t going to expensive places, but it still adds up. She and I brought our lunches every day and only went out for special occasions. I got onto a mortgage calculator and showed her that her husband was eating the difference in payment between a townhouse and a house. They reconsidered and soon bought the house their family needed.

Going to the grocery store on a full stomach will make you get home and be mad you didn't buy any snacks lol

@raallen1468

3 жыл бұрын

And, then... I return to the grocery store to load up on my favorite snacks! 🙄🤣

@ShadaeMastersAstrology

3 жыл бұрын

@@raallen1468 😂 the very next

@diesel2x

3 жыл бұрын

Amen

I know that when we changed to using all cash and putting the debit card away it changed things for us considerably. When we took out cash each week and put that money in envelopes we ended up spending less money. There is something about using cash for your weekly expenses (food, gas, entertainment, etc) that just makes you pay attention to it more and be more intentional about how you spend your money. I highly highly recommend moving to using cash for everything (as much as you can).

@ajsadventures8706

3 жыл бұрын

What about for online purchases?

@theburnetts

3 жыл бұрын

@@ajsadventures8706 well we try to avoid those as much as possible. But when we do have to make an online purchase or we have to used the debit card for some reason then we will take cash out of the appropriate envelope and set it aside to “cover” the debit card purchase. For example if we spent $30 using the debit card on entertainment then we will take $30 out of the entertainment envelope and set it aside. Then next week when we get out our weekly cash we just take out $30 less and it evens out. Kind of a pain but it works.

@evelinholmes6401

3 жыл бұрын

Corey Burnett what ever works just stick to it.

@Bertuzz84

3 жыл бұрын

But it seems kind of like going back to the past to start using cash again. I mean these days payments are done by just putting your debit card against the machine. Its so easy that you rarely need a pin code anymore. It's like going back to the time when we used paper notes and coins to pay.. seems really weird. Although most places do still accept cash.

@kaitlynthomsen6770

2 жыл бұрын

I feel like I spend more when I use cash tbh. I want to use the cash method but Im terrified of spending it all. Lol.

I’m a married man with one toddler and one on the way! I’m making 24k a year and investing and saving for retirement, and saving to pay for a van with cash. Completely debt free. I cringe when people come in here calling in making 50k+ a year and complaining. Bruh..

@caprinathomas3481

3 жыл бұрын

Amen to that!🤣🙌

@krizzalid99able

3 жыл бұрын

Yeah I make 50 k before taxes in Texas but in Cali I would be struggling

@PatrickGotHands

2 жыл бұрын

You summarized my life I make 22k a year and I have more saving than my friends and they make 100k a year. I tell them I'm always broke so they never invite me to expensive hangout unless they pay for me cause I can't afford it ! (One big emergency and my money gone)

@goodkarma1323

2 жыл бұрын

That’s amazing! Where do you live? I’m in NY so everything here is very expensive.

@kamaliancirranoush1916

2 жыл бұрын

Cost of living is pretty high in Alaska where the caller is from

I stop going to Restaurants and I see a difference

@allstrongfitness

3 жыл бұрын

Eating out is expensive and usually less healthier anyways

@stayathomemarine

3 жыл бұрын

Me too girl! I also cancelled my Amazon prime ! We gonna win this year 👍

@daveedajane

3 жыл бұрын

@@stayathomemarine Amen 🙏 Yes Indeed We Are

@mbank3832

3 жыл бұрын

I have some friends who are foodies. When I told them the same then they will be like “oh life is short, you need to treat yourself something good” or “that life will be boring not exploring new restaurants ” 🙄

@ryugurena3327

3 жыл бұрын

I stopped eating food and I see a difference in my bank account AND my body!

Gardening helps with the grocery budget!!

"Restrunts" 😂

@michaelargenta3856

3 жыл бұрын

i would take u out to one :)

Become a minimalist!

@sami-9233

3 жыл бұрын

You gotta live

@chanel25alston

3 жыл бұрын

so true that's all I know life of a minimalist

@evelinholmes6401

3 жыл бұрын

Sami - as a minimalist you are still living you just live with less and better.

@poloboycarey1

3 жыл бұрын

@@evelinholmes6401 I'm trying to adapt that concept

@alexs3187

3 жыл бұрын

Even better, become a minimalist with a high income.

So true regarding the grocery costs. I was on a “budget” and I basically took eating out completely off that list. But when I went grocery shopping, I would overspend, thinking, “Hey, at least I’m cooking and not eating out so why can’t I buy these pre-cut vegetables to save myself a bit of effort?” A few months in, I realized I’m basically spending whatever I was spending on restaurant into groceries.

Spend less, increase income...most "Necessities" aren't so or could be had at a lower cost

@judyjohnson9610

3 жыл бұрын

Just add delayed gratification and that's in a nutshell, friends

@faxoxo2306

3 жыл бұрын

Moneyology really 😂😂😂😂

@peartfaldo

2 жыл бұрын

if you work more you cant spend. so you are making more and not spending---double win. people spend when they are bored. you should NEVER be bored if you have debt. GO WORK and pay it off.

A few years ago, when I was wanting to lose some weight, I began looking at the "unnecessary calories" (sugar in the tea, soft drinks, cream and sugar in the coffee, etc.). Same way with budgets - look at the unnecessary expenditures. As Dave and Chris mentioned, eating out is a huge budget killer. Start logging every time you go through a drive through, it might surprise you. Finally, let's talk about a huge expenditure that many are guilty of - their cable, internet, and cell phone expense. I guarantee you many households spend $500-600 or more per month on those three things.

@rosauragarcia3202

3 жыл бұрын

I've never paid cable. Dad set up an antenna and converter box and most smart TVs these days you can see the local channels. A streaming membership at $14 isn't bad. I'm gone for most of the day to work so not really needing tv so much.

When Dave said “Oh my God!!” I almost dropped my phone. 😂

@TheHoriginal

3 жыл бұрын

Ya that was out of line. God’s name is holy.

It takes WORK nothing great is achieved without putting the WORK IN FIRST!! You can’t wish it to get better you HAVE TO TAKE ACTION!! 💪🏽 💪🏽

@scholarshipchair9367

3 жыл бұрын

Tru that

I LOVE the whole thing about the grocery store! - Like Dave and Chris said, we all know that restaurants will eat up your money, but when I started doing the Zero-based (or "Every Dollar") budgets, Dave's budget... I was SHOCKED at how much money I was spending in groceries for me & my teenaged sons. And this caller kept saying "about this much". Knowing EXACTLY how much is key!

Thanks to Dave I went from 18k in debt to 9k in a few months and on schedule to be done by January.

@kitanyaedward6722

8 ай бұрын

Done?

@Jon-ko3vv

8 ай бұрын

@@kitanyaedward6722 yep

When I first learned to budget-how much I “thought” versus how much I was actually spending on groceries/eating out was a huge eye opener!

@Red_1976

2 жыл бұрын

Me too!

"You can't manage money in the rearview mirror" Dave I love how simple and profound that statement is.

Me : “my 3 year old wants a power wheels “ Dave : “ what’s his income “?

I started doing a spreadsheet for groceries, breaking down by categories. It's given me a clear picture of what needed to be trimmed back. At the moment if I have any grocery money left I put it in a grocery slush fund so that when an item we use all the time comes up on a half price special I've got that bit extra cash to stock up with. It's helped us a lot while people were going nuts during the lockdowns.

I will never understand how someone can be making that much and not know where their money is going and always broke/in debt.

A great point... during this pandemic, not going out to eat made me feel like I got a raise. I learned that I was spending too much at restaurants. Thanks Dave... keep doing what you do!

Chris and Dave is the BEST duo on the show

@jakevote8978

2 жыл бұрын

Update: This did not age well.

@TheHoriginal

2 жыл бұрын

Sad 😞

I LOVE when Dave angrily and dramatically hits the hang up button! ☎️

It amazes me that people listen to Dave for years and still get a car payment and tell him 😂😂😂

@snoookie456

2 жыл бұрын

"Hey, Dave, I'm not like those other idiots that call you, but......."

@BradyR95

2 жыл бұрын

Everyone's situation is different. Sometimes a car breaks down and you need a car. And if you are like me, I have a 0% interest loan, so its a no brainer

@Benjamin-tw1gw

2 жыл бұрын

@@BradyR95 zero? Seems sus....

@grantv2313

Жыл бұрын

Cars/trucks are insanely expensive. The loan is equivalent to forced savings. I don’t know what difference it makes. If you have an old car that breaks down while you’re trying to save for a new one are you getting ahead? You have to get caught up or have the magic vehicle that is reliable long term. They’re out there just most are not in that category.

@catchingkris2642

8 ай бұрын

doesnt mean they're idiots. You seem very judgmental. @@snoookie456

It is so true, I find myself always going back to my budget to adjust grocery budget. Now I have a better strategy. Thank you Dave and Chris!

Stop buying stuff,simple.

@TheMopar97

3 жыл бұрын

Serious!!! Just stop buying! It’s easy. Wake up, work, eat, sleep and do free stuff in between. Not hard at all.

@TheHoriginal

3 жыл бұрын

Yaaaazzzzz Ian

@MandyGood

2 жыл бұрын

I go to the library for my entertainment

I am not overly stringent with my grocery list, because being in the store reminds me of everyday purchases I honestly need to make. I also sometimes see a bona fide buying opportunity; as long as it's a staple in my home and on a genuine discount there's no reason not to buy.

Been eating out and getting takeout more than ever during this pandemic! Gotta reel it in. Three kids home from school all day. Mom helping teach the little ones. Nobody feels like cooking. It’s wrong but sanity for us has been going to a local restaurant. We committed to changing that in this new year.

I spend waaayyy too much eating out. My wallet and scale hate me 😩. I need a strict diet.

And I’m listening to this here in Portugal, making 900€ a month and saving 30% of my income every paycheck.

@flowerpower5585

3 жыл бұрын

Good for you! Glad you can save... From Croatia saving none 🤦 💰

@josemarques8569

3 жыл бұрын

@@flowerpower5585 Thanks, I’m living like a monk, spending money on just the absolutely necessary. This videos help a lot with motivation as well.

@jadexplores2100

3 жыл бұрын

I want to move to Portugal one day. I love the place and the people.

@josemarques8569

3 жыл бұрын

@@jadexplores2100 It´s very quiet. The people are not very talkative but they like to be helpful. I´m a native and most of my friends are expats living here! The best is the fact that it is very safe, even during the night. If you move I´m sure you won´t regret it (once this crazy pandemic is over).

@jadexplores2100

3 жыл бұрын

@@josemarques8569 Thank you Jose! I am a quiet person too (by American standards though I think lol) so perhaps I will fit in just fine? I am also sure I wouldn't regret a move there since it is such a beautiful/easygoing place to live it seems. Take care :)

Just discovered this guy Dave, luv the wisdom, real life wisdom. Subscribed & sharing & doing everything I can to implement his advice.

@teresaevans4840

Жыл бұрын

Me too now debt free because of his advice.

"We're eating our retirement!" Funny but true! A lot of people are guilty of this! Look at each receipt no matter how small it is.

Dave Ramsey is 100% correct on a grocery budget! My wife and I go to the grocery store together and we use a list and ia calculator and as each item goes in the cart it's added up. As we started this, it annoyed my free-spirited wife as I am the nerd of the family nd love detail but now we both see that TOGETHER it helps and now it's a normal way of grocery shopping. The numbers do not lie.

@cryptolove3766

3 жыл бұрын

D/i/a/l/f/o/r/m/o/r/e e/a/r/n/i/n/g W/h/a/t/s/a/p/p me + 1,/9,/8,/0,/3,/0,/0,/4,/5,/3,/4

I bring a grocery list. But most times I know exactly what i'm going to be spending so I'll bring my budget for that trip in cash. At the register only cash comes out.. no card transactions.

These are very valuable info for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $109k now to put in the market.

@Robertgriffinne

10 ай бұрын

Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. I know someone who made over $350k in this recession influenced market, but to the best of my knowledge, it was through a financial advisor.

@PhilipMurray251

10 ай бұрын

Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2019, and I return at least $121k ROI, and this does not include capital gain.

@Natalieneptune469

10 ай бұрын

Mind if I ask you to recommend how to reach this particular coach you using their service? Seems you've figured it all out unlike the rest of us.

@PhilipMurray251

10 ай бұрын

Cant reveal much info, Kate Elizabeth Amdall is the shrewd advisor responsible for my portfolio success, it's only right you look her up and confirm yourself.

@Natalieneptune469

10 ай бұрын

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing..

I’m gonna retire a millionaire. And when Dave is long gone.. I will look back and thank him. It was him that got me to where I am now with my Roth IRA, and it was him that helped me get my financial standings in check. I’m a custodian by the way.

@govegan562

Жыл бұрын

how do you plan on becoming a millionaire? genuinely curious

@119jle

Жыл бұрын

By the time you retire $1 million will be pocket change for us think again

@somebodysomething4242

10 ай бұрын

Dave’s plan from start to finish guarantees most people will be millionaires in about 10-12 years. Listen to his advice and follow his plan.

@somebodysomething4242

10 ай бұрын

He didn’t say he would only have one million. Is he’s starting as young as he sounds, he’ll have several millions. And even if it was one million, it will be “pocket change” most people won’t have. You people screaming *only* a million always make me laugh.

@jorgefloyd6989

7 ай бұрын

Grandpa Biden will take that away.

Second jobs as CNAs on the weekends would solve alot of those problems doubles on Saturday singles on sundays 36+ hours second paychecks and a budget life changing.

@jutde

3 жыл бұрын

They have at least $3k per month in wasteful spending, a second job isn't going to mean squat until they get that figured out.

@greaterishe7197

Ай бұрын

I am working PRN as a CNA right now to pay off debt. Will be 90% debt free by the end of the year. I don't do much else right now because I'm working so much, BUT to see this credit card debt, car payment and personal loan go away, ITS WORTH IT!

Ooooh my gosh yes. It's just me and my husband most of the time. We have my stepson occasionally and I've noticed my grocery budget is always bad. I always go over what I want.

I have been doing A budget for 40 years since I was 17 and I have to say that I'm not impressed with Dave's budgeting app. I do a spread sheet. Before computers I wrote it out on paper. I'm gotten more sophisticated with it over the years. But I have never found a budgeting system that I liked other than my own. I'm not trying to be bragging I'm just saying that not every system fits every person. So you have to find the system that fits for you

@jesuslover5968

3 жыл бұрын

Any tips or ever think about sharing your budget plan

@KMF3

3 жыл бұрын

@@jesuslover5968 lots of tips. Too much to put in a comment

@GaelinW

2 жыл бұрын

That's the key. Find the system that works for you. The point is to budget.

@granados1990

2 жыл бұрын

Please share these tips... 👂

@KMF3

2 жыл бұрын

@@granados1990 I would love to but not sure how. Comments are not the right venue

The future belongs to those who believe in the beauty of their dreams. Success is a state of mind. I think I'm blessed because if not I wouldn't have met someone who is as spectacular as Expert Mrs Lucy Mary Liam.

@PaulMurphy66

3 ай бұрын

Hit $200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with $20k in November 2023

@alexandrajuliette6899

3 ай бұрын

I'm glad I was introduced to forex trading and got the best teacher and mentor who helped me understand the financial market I'm grateful to Mrs Liam🙏

@BenPete-ez8vu

3 ай бұрын

Most rich people stay rich by spending like the poor and investing without no stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them

@awermabil7309

3 ай бұрын

​@@BenPete-ez8vuYou're absolutely right, and that's a beautiful mindset you've got there I never thought of it this way before. The idea of the whole trade market is something I still can't wrap my head around.

@georgemattocks

3 ай бұрын

I have broken through 45k, 72k and got my eyes on 120k! Champagne stays popping, she is too awesome.people prefyto spend money on liabilities rather than investing in assets and be very profitable

Tracking my grocery spending was indeed eye-opening!

Getting on a more consistent diet/menu each week can really help with grocery costs. I go to the store every Friday and basically buy/order the exact same thing each time. The only time there is a deviation is if I want to get some alcohol or extra goodies for the weekend. So grocery is basically a fixed budget item every week. Another thing that helped was starting to buy stuff like toilet paper, deodorant, toothpaste, etc. online and having it set up to be delivered every 2-3 months at a lower cost.

That’s why budgeting is KEY!! 💕

We were spending sooooo much at restaurants before Dave. Close to $700 a month. I could not believe it once I sat down and looked at bank statements

That "OH MY GOD!" actually startled me lol.

Thank you for all you have done to help people, Mr. Ramsey. Always great advice! My son’s learning a lot from you recently.

@cryptolove3766

3 жыл бұрын

F/o/r/m/o/r/e d/i/r/e/c/t/i/v/e/s W/h/a/ts/a/pp me + 1,/9,/8,/0,/3,/0,/0,/4,/5,/3,/4

Who is his cohost? I could listen to this man's voice for hours.

@whatsapp7930

Жыл бұрын

Thank you for your comment much appreciated, Be sure to leave a message on the line above 👆 👆 for more helpful information,complains and investment guides 💯💯💯 ⬆️⬆️.

Worst way to stop living paycheck to paycheck is stop working cause your gonna be living donation to donation 😂

You guys are hilarious together!! so enjoyable to watch

I’ve been unemployed for quite some time now. So thankful we are in a decent position

Big thing I do when shopping is when I’m done I take my cart and go to an isle no one is in, and take inventory if I really need everything that’s in the cart. Most of the time I find things I can put back.

Best strategy with grocery shopping my in laws taught my wife and I is to set a grocery budget and have one of us track the costs as we add to the cart on a calculator. If it's over like $0.40 I round up a dollar. It enables me to maintain budget pretty carefully and know when to put fun out of the cart when it doesn't fit the budget.

My partner and I only have one car and drive each other places, we save a total of $500 a month on opting out of another car payment plus insurance!

The budget envelopes are amazing! There is a peace that results from knowing all needs are covered…and every dollar is set for something. It can be scary at first…but the peace and adjustment is pretty quick.

“Don’t go grocery shopping when you’re hungry” 😂 mehn! so true!! I’ve fallen a victim of this multiple times and gotten things I don’t even like eating 😂

Pay yourself first! Instead of spending first and then saving, flip it. Save first then spend.

I told myself I was going to budget $400.00 a month on groceries...the bill for this month so far is at $523.00. However the next grocery visit will be in February. So I'm over budget, however I am tracking it. Dave and Chris were right on the money with this one. Thanks!

@TheHoriginal

3 жыл бұрын

Oh my 😳

Some ready-to-eat grocery store food is quite expensive; as much as a restaurant might be. Frozen pizzas seem less expensive, but they're small as well so you need two if you have a family and it's not all that much cheaper in the end. Homemade pizza is not hard at all if you use an easy sauce and pre-sliced cheese. I can do it (making my own crust) with less work than pick up, and only a little more than delivery (while delivery is probably 8-10 times the price when you count the tip). Certain fast-food choices are probably pretty affordable if you don't overeat, but they are also quite unhealthy, so that costs megabucks in the long run. For the same price, you could cook very healthful and delicious meals at home for only the same amount of effort as driving to the place and waiting in the drive-thru.

After I wrote down all my monthly expenses to the penny, I started the rice and beans, beans and rice diet hahaha! Kidding aside, seeing the numbers on my spreadsheet made me not buy sh*t I don't need and I was able to save for emergency fund. It makes all the difference in the world knowing you will be safe while looking for another job.

I definitely just woke up and smelled the roses,I am single my house is paid for ,but I find myself eating out to much,I am starting to cook at home more and putting that money in my emergency account,thanks Mr. Ramsey

Knowledge man. I need these. Now take it and run with it!!!

Write down all your expenses and stick to your budget. Make sure investing is part of your budget, even if it is a tiny amount.

What started working for us is a lot of local grocery stores by us are doing pickup for free or only $3-$5. We do our list and order it for pickup, no more impulsive buys while at the store plus only about 5 minutes waiting to pick it up!

Stop buying STUFFFFFF

Good advice as always

Using coupons at the grocery store can be very helpful, but on the flip side, they can also cause you to spend MORE, because you buy things you wouldn’t otherwise just because you have a coupon for it! Coupons should be used ONLY for things that are on your list anyway. Then they truly can save you money.