I got a second job and paid off $25,000 of debt and a car loan of $16,000. It took me 3 years. It sucked but it's the only way out.

@christopherhernandez3909

Ай бұрын

Woot woot! Proud of you! 👏 🎉

@BK-tp6jf

Ай бұрын

Thank you I needed that motivation

@joanbynum4751

Ай бұрын

Thats awesome. I really wish I could get a second job. I’m not a spring chicken and work from home but I am trying to find something that will give some extra funds -So happy for YOU!!!!

@ericar.6370

Ай бұрын

@@joanbynum4751try teaching English online or tutoring.

@user-lp5tn9so6s

Ай бұрын

Well done congrats

Every month our budget was thrown off by some surprise $400 bill. First it was a car repair, then kids' camp, then tuition, then furnace breakdown, then traffic ticket... Finally we accepted that there is ALWAYS going to be some $400 nuisance, and we included that in our monthly budget.

@DarthFurie

Ай бұрын

This is so smart! I need to have something like this in my budget, too

@ykook7000

Ай бұрын

How is a traffic ticket a surprise or tuition or kids camp ...dont get a traffic ticket in first place and you know you have kids stuff to pay for none of that is a surprise but nice try

@poephila

Ай бұрын

Exactly!

@grantv2313

Ай бұрын

This is exactly it and most aren’t making the money to cover this extra

@parker1981xxx

Ай бұрын

And the Nobel price goes to…

Dave danced around the advice this lady needed to hear. It's called sacrifice. If you want to win at finances you need to sacrifice in the short term to win in the long term.

@rolandalbert680

Ай бұрын

Well said and it's simple but people can't get over their emotions, and I'm guilty of it as well. Controlling your emotions, and wants vs needs is a big part of controlling finances, and we are not taught that.

@saintsandsin3885

Ай бұрын

@@rolandalbert680 Don't feel bad, I went to the school of dumb decisions also.

@donaldlyons17

Ай бұрын

Sacrifice does not work when the numbers don't add up!!! No they might have an income issue not a give up a little for long term problem. WTF long term could be anything in terms of outcome because there are more factors in the long term!!!!

@saintsandsin3885

Ай бұрын

@@donaldlyons17 You've got it all figured out my good man, go forth and conquer!

Hit 340k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 14k in

@ImportAgentBenardo

Ай бұрын

Wow that's awesome

@ImportAgentBenardo

Ай бұрын

But this most be made by Sophia

@josirismeldazu

Ай бұрын

Wow Mrs Sophia everywhere

@FirstnationalBank-om4qc

Ай бұрын

To obtain financial freedom, one must either be a business owner, an investor or both, generating passive income particullarly on a weekly or monthly basis. That's the key to living financially stable....

@CapitecBank-nh8ve

Ай бұрын

😍😍😍Wow that's awesome news

Paycheck to paycheck? We out here living on oatmeal to oatmeal 💀

@xidiabolical4493

Ай бұрын

😂😂💯💯

@joanbynum4751

Ай бұрын

This will definitely change for me-I wont be living paycheck to paycheck- but I have a problem with setting a realistic budget and sticking to it… and I always miss something.

@electricred91

Ай бұрын

Lmfao 😅😅😅

@littlebob1261

Ай бұрын

You need a real job then, holy moly

@prettybrownbrown4843

Ай бұрын

No fr 😂😂

When I was new at budgeting, I pretended the money wasn't mine (which it really isn't) & belonged to someone else. It made me a lot more intentional with what I had and how I used it!

I was a slow learner. It took me more like a full year to hone my budget to where now, I have backups for the backups. I don't have everything I want, but I find I have everything I NEED.

Got custody of our kids after the divorce because their mom was receiving child support and not caring for them. Condiment sandwiches for the kids but buying boyfriends’ Air Jordan’s. That was 14 years ago. By the grace and mercy of God, they are productive adults now!

@MsJoyce31202

Ай бұрын

👍

@juancamilovelasquez6212

Ай бұрын

Typical women.......wao!

'do my makeup, eat a big mac, and change lanes' Great analogy about becoming comfortable making a budget and putting it to plan :)

@fire12731

Ай бұрын

Dave’s lives are hilarious love him i

@fire12731

Ай бұрын

😂

This woman got a divorce and within 18 months she was already remarried??? Uh, ok??? This new man has completely ignored that red flag!!!

@hasani9110

Ай бұрын

Right? Like I’m slow walking to my first marriage and she’s rushing into her second?

@JustinG9698

Ай бұрын

For all we know she’s been with the new guy for 3 years 😂

@ykook7000

Ай бұрын

Plenty of men remarry within months of their wives dying so 18 months after a divorce is literally nothing

@Big-Government-Is-The-Problem

Ай бұрын

@@ykook7000 2 wrongs dont make a right lol... it genuinely blows my mind how often i see adults use that argument.

@marty8432

Ай бұрын

She was def having an affair or keeping this guy around to blow up her marriage

Eating out once a week? Damn, we eat out once a quarter. lol

@lionheart93

Ай бұрын

Wow

@Tristin471

Ай бұрын

If I ate out once a quarter, I’d lose 100 pounds lol

@Nicolllld

Ай бұрын

I’m eating out like 3 times a week , such a bad habit 😅 but I’m not in debt so 😊

@lionheart93

Ай бұрын

@@Nicolllld how much do u spend per meal?

@MikeyPaper

Ай бұрын

once a quarter? you live such a boring life....

"...We're in the crockpot business..." 😂 I do love a crockpot meal!

They go out to eat 1:20 once a week! I live paycheck to paycheck, I go out to eat once a year.

@muniondalenewyurk6777

Ай бұрын

👏🏾👏🏾🎯

@emmanuelzanders1746

Ай бұрын

You deserve better . Give yourself a little life to live

@TheDowntownHermit-xj6rq

Ай бұрын

I don't go out to eat at all. I got tired of the disappointment.

@marknewton6984

Ай бұрын

Yes. Restaurants are creepy.​@@TheDowntownHermit-xj6rq

I mind boggling how many people can get to adulthood and cannot budget, and have little to no regard to the future for things that are likely to happen like a flat tire.

@aolvaar8792

Ай бұрын

In 1980, my first job out of university, $100K by the mid 90's, $250K. You don't have to budget, if you make more money than you can spend. I'm retired now, my pension is more than I can spend.

@Aki_Lesbrinco

Ай бұрын

My wife and I don't really sit down and budget. All we do is use logic and self control. We spend way less than what we make and move money to savings, investment and retirement before we spend on wants. It's not rocket science.

@aolvaar8792

Ай бұрын

@@Aki_Lesbrinco An emergency visit to an out-of-network hospital>> $35K Bill after insurance. I went on a payment plan $700/wk

@mhodge0890

Ай бұрын

A 100k today compared to the 80’s is soo different. Well good for you, you get to life the life 80% can’t

@AlexKaehler-qc8kd

Ай бұрын

Mind boggling? Really? The government doesn't do it and it bails out failing companies either directly or lets them go over to places like China and get into joint ventures with their government-owned firms, of which there are hundreds of thousands

dave does an excellent job of calling out people's BS. i am impressed

I like this Dave better than angry Dave! Never trigger angry Dave! 😅😅😅

@user-pb4ru6qg4e

Ай бұрын

Hahaha angry Dave needs to be unleashed once in a while 😂😂

People can't possibly budget when groceries, gas, and everything else are going up in price daily. My groceries cost more than my mortgage. I've started grocery shopping only twice a month instead of weekly. My cupboard is almost empty, and we dont waste anything. I've sacrificed my meals so others can eat. This economy sucks for the working class.

@KENTUCKYUSA1

Ай бұрын

I hear you! It sucks for anyone who is not in the top 10%. The middle class is being wiped out as the wealthy get richer.

@swannyriver75

Ай бұрын

It ain't easy 😕

@donaldlyons17

Ай бұрын

KZreadrs tend to try to catch flies with honey not tell the truth and then try to catch them with vinigar..... I might tell the truth but lets be real too little money equals no or few options!!!

Custody battle just "popped up"? Her words.

@FrankS111

Ай бұрын

She thought she was going to be able to leave with the cash, prizes, and children and didn’t anticipate her ex having a say in things because society tells modern women that it’s misogyny if they don’t get everything they want.

@kbanghart

Ай бұрын

​@@FrankS111what society is telling women that? Society is not telling my wife or daughter that.

@Chet_24

Ай бұрын

​@@kbanghart You're not paying attention if you believe that

@FrankS111

Ай бұрын

@@kbanghart you’re either oblivious or stupid. Which is it?

@Excalibur2

Ай бұрын

​@@kbanghartthey sure are. In schools, they are told that they're smarter and just as capable as men, that they can be mothers and have a CEO job, a full career with no sacrifices.

I've been making a lot of losses trying to make a profitable trade. I thought trading on a demo account is just like trading the real market. Can anyone help me out or at least advice me on what to do?.

@Stanly962

Ай бұрын

I will advice you stop trading on your own if you keep losing, if you can, then get a professional to trade for you, I think that way your assets are more secured.

@Davidconnor-lk1km

Ай бұрын

Thank you Lord Jesus for the gift of life and blessings to me and my family $14, 120.47 weekly profit Our lord Jesus have lifted up my Life!!! A. V

@eopodotolana

Ай бұрын

I'm favoured financially, Thank you Jesus $32,000 weekly profit regardless of how bad it gets on the economy.

@gimptdxwdmilo

Ай бұрын

How ..? Am a newbie in crypto investment, please can you guide me through on how you made profit?

@GangaGowri-mq9gc

Ай бұрын

Thanks to Mrs Deborah Davis.

I'm so happy I made productive decisions about my finances that changed my life forever,hoping to retire next year.. Investment should always be on any creative man's heart for success in life.

@Melbn-di6mi

Ай бұрын

Thanks for the advice! I'm new to financial planning and wasn't sure where to start. Any tips on finding a reliable financial adviser or resource to guide beginners?

@inicMich-rc5wo

Ай бұрын

As a beginner, it's essential for you to have a mentor that is verified by finra and SEC to keep you accountable. I'm guided by a widely known financial consultant Stacey Macken

@findingpath8362

Ай бұрын

Wow, I'm supprised Stacey Macken is being mention here. I started off with 5K.... Now with massive portfolio highly recommended...

@AIIG-zd5dx

Ай бұрын

This Woman has really change the life of many people from different countries and am a testimony of her trading platform

@charles2395

Ай бұрын

I met Stacey Macken at a conference in 2018 and we have been working together ever since.

Divorced and remarried all within 18 months but somehow the ex is the jerk according to Dave

@zybard01

Ай бұрын

I have met people like this with less than 6 months. Met a woman off date site and her husband died 2 weeks earlier --- redflag with skull and cross bones on it

@JudePi-jx7yo

Ай бұрын

Gender bias but also it's natural to be sympathetic to the person who is on the phone

@blackworldtraveler3711

Ай бұрын

I think she is the bad one. I bet if Dave Ramsey does a more in depth show with people like this he will need to apologize to most of the men and see how financially stupid people truly are instead of all the guessing.

@JudePi-jx7yo

Ай бұрын

@@zybard01 That's not always redflag. People move on at different speeds. Rebound can be real

@JudePi-jx7yo

Ай бұрын

@@blackworldtraveler3711 Are you saying it's always women's fault?

Love these reminders. Thanks guys

Great understanding on the part of Dave and John, and great advice! Good luck to us all 😊.

Man this is so true I have experienced this myself like anything it takes time ,I love your wisdom

Write down everything that has a due date… tally it up… divide by 4… add $75… what ever that amount is move it to a checking account weekly (or whatever your frequency of pay is) and have auto pay linked there. What is left is what you can spend on whatever you want… including fuel and groceries…

Put on your makeup, eat a Big Mac, and change lanes, I like that one, LOL!!!😂

This is definitely true and we went through this exact same thing!

Change the budget and add a new category for incidentals

@chrisk4053

Ай бұрын

Great idea. I keep 40 dollars aside each paycheck. Stamps, unexpected parking fee , etc can wreck your careful budget.

@JudePi-jx7yo

Ай бұрын

@@chrisk4053 Stamps? Is this 1992? Parking is a choice

I never knew a man fighting for wanting to have time with his kids makes him a “jerk”. 🤷‍♂️

@zybard01

Ай бұрын

Woman always call and say how the x husband is so bad and the custody battle has gone on for 2yrs and $20k+... what bad parent fights for years and tens of thousands?

@FrankS111

Ай бұрын

@@zybard01 not sure if this channel has becoming simping central because Dave is handing over power or they see that most of their viewership is bitter middle aged women.

@j.t.1086

Ай бұрын

Dave seems to take the side of anyone he's talking to in order to deliver his advice to a receptive listener, at least that's my impression?

@FrankS111

Ай бұрын

@@j.t.1086 no he lays into the husband if on the call and will handle the wife with kid gloves while Delony asks “if she’s safe” even if she’s racked up tens of thousands in debt

@kenniebee6083

Ай бұрын

Most men are not equipped to be full time parents! If he wanted to be in his kids lives full time then he should have done a better job at preserving his marriage! Basics!

Love Dave's able to look for the epicenter of an issue.

Dave was cooking 🍳 😂

I always hear a lot of people saying they got to work two jobs to get by but when I look at how they live their life, they always have a brand new car every couple of years and they’re always going on trips, but they can never afford to make ends meet. It’s like people that don’t have money, try to live like they have money when in reality, they don’t. My dad used to always tell me “your bills come first before anything else”. I don’t think anyone was ever told that line. I think it’s only a very few people that were told that line.

Dave you are a wrecking ball for personal growth

Once a week is more than I go out to eat, and I'm out of debt. Random custody battle issues don't just "pop up," honey.

@aolvaar8792

Ай бұрын

They do "pop up", The State has "seized" the children and put them into foster care pending adoption. You get a letter asking if you object and a hearing date.

@raymond_sycamore

Ай бұрын

@@aolvaar8792 wonder who left who? Who got “bored” and wanted out? The woman

@aolvaar8792

Ай бұрын

@@raymond_sycamore Your OP comment: Random custody battle issues don't just "pop up," honey. Just disagreeing with you, using firsthand, positive Knowledge. A letter in the Mail. They do "pop-up"

@raymond_sycamore

Ай бұрын

@@aolvaar8792 who caused it? the female

@superblump87

Ай бұрын

​@@raymond_sycamoresee a therapist.

By living the less is more lifestyle it reduce my stress and worries dramatically + I'm able to put way more money on hobbies that makes me happy like go kart/ mini dirt building and racing

How does someone have an unforeseen custody battle 😂

@RadialPen6262

Ай бұрын

Husband can obtain a lawyer and take her back to family court if he is not happy with the court's ruling first time around.

You may slip up and miss a payment if you don't have auto draft, but you have to be on top of non auto drafted bills.

Any "adult" should at minimum have $5000 set aside for an emergency.

@aolvaar8792

Ай бұрын

Dave says, "Not while in Debt."

@zybard01

Ай бұрын

We know Dave teaches 1k while in debt but I would probably do more like 2-3k while in debt and $12-15k min when not in debt. I am in step 7 and have a 1yr dedicated emergency fund with access to more

@J-wu8sc

Ай бұрын

I like to use the rule, have 6 months of income in savings.

@aolvaar8792

Ай бұрын

@@J-wu8sc If you had a $10K/mo Pension for as long as the sun shines and grass grows, (Fully Survivorable) You might lighten up.

@J-wu8sc

Ай бұрын

@@aolvaar8792 that’d be nice! I’m not retired yet, still have about 30 or so years to go. I hope my 401k and Roth will produce 10k a month when I do though.

How do you divorce someone you had kids with and not expect a custody battle...

Re-married in a year?!

@blackworldtraveler3711

Ай бұрын

That went right over Dave’s head.

@MrTmenzo

Ай бұрын

Jumped on another sausage rather quickly eh?

@Neoquaker1

Ай бұрын

She had the next husband picked out 3 years ago...

It’s getting so bad out here I’m contemplating reusing corn on the cob………💩💩🤣🤣🤣

Dave be giving heat to them callers. Ruthless but correct at the same time!😂

don't rule out a mistake in the Excel formula, like excluding a cell from the sum

She better add a line item in the budget for the next divorce!

@johnlanier3616

Ай бұрын

Lmao

@mikekent991

Ай бұрын

Wow. How rude! Why do u assume they’ll divorce?! They’re just trying to do a budget. SMH.

@Brian-dh9lp

Ай бұрын

​@@mikekent991 married a year and a half later after divorce? Good luck. Failed the vows on the first go around.

@haley2542

Ай бұрын

@@mikekent991 Based on her own words, it’s pretty clear that the caller lacks responsibility, accountability, maturity, discipline, and all around good judgement. So me assuming her second marriage will fail is statistically a pretty solid assumption.

@Renkinjutsushi

Ай бұрын

​​@@Brian-dh9lpyeah. I dislike that Dave called the ex a jerk. Based on the information she gave, she probably cheated on her ex then divorced him to go live with her boyfriend.

a divorced woman not sticking to a plan... who could have thought?

Divorced and re-married within 1.5 years. Guy should have ran, and fast.

@reedera4

Ай бұрын

Stop assuming...

@MrTmenzo

Ай бұрын

​@@reedera4is that you caller? 😂

@reedera4

Ай бұрын

@@MrTmenzo it's not, and now you know you're an ass for your incessant ASSuming 😂😂😂

Why would it be a surprise. Look at the previous monthly statement and see what all came out. NO surprise!! My word. 😮

“We only go out to eat once a week” 😂😂

You shouldn't call the ex a jerk. Based on the information available, divorced and remairred in year and had to fight for custody. Balance of probabilities is that she initiated the divorce to move in her her new boyfriend, now husband.

@darlenepaul2918

Ай бұрын

80% of divorces are initiated by women not men.The poor women were bored or needed to "find themselves". They don't care that their children are desperately missing their daddies!!

@GhostruckerX

25 күн бұрын

Because Dave Ramsey is a feminist already white knightning

Still having difficulty getting past the divorced and remarried in that short amount of time. 🤔 and all while handling children.

Emergencies ae for surprises such as your car blowing up, medical emergency, etc.. Your bills are not an emergency because they should be paid ahead as much as possible. But it's had to get ahead when you are addicted to drugs, alcohol, shopping, and vacations.

Eating out isn’t an option for broke people. I’m not broke and I eat out once a month at most. Get your head straightened out!

@snoer8

Ай бұрын

🎉

@JudePi-jx7yo

Ай бұрын

I'm sure they order food and buy lunch several times a week too. Eating out is their date night but $80 for takeout twice a week and $15 for lunch 3 days a week adds up.

Dave-we dont sell microwaves were in the crockpot business it takes a minute you gotta cook it.

Divorced and married within a year and a half? Affairs much? I give this one less than five years.

@reedera4

Ай бұрын

Oh my gosh, stop ASSuming!!

@MrTmenzo

Ай бұрын

​@@reedera4stop ASSuming other people assuming 😂

Boston beans! No more lobster.

@MariahRamsey-ts3uz

Ай бұрын

Almost 25 and have yet to try a lobster😂

@JustinCase780

Ай бұрын

@@MariahRamsey-ts3uz In Boston it's a dating test. *If she orders the lobster every first few dates dump her. *If he doesn't take me for lobster during the first few dates dump him. Seriously, it's amazing in New England. 😋😅

This is a fair call, but the more responsible person would go back on their expenses 6-12 months to make sure they catch all their periodic expenses. When semi-annual car insurance hits, when an annual expense hits, etc. Obviously an app can help with that.

A year and a half ago I got a divorce and now I'm remarried? Women are allergic to living alone without a man.

@JudePi-jx7yo

Ай бұрын

That's not that fast and statistically it's men who do that more.

@johnlanier3616

Ай бұрын

@@JudePi-jx7yo You are delusional

@PInk77W1

Ай бұрын

Me a man. Got divorced 1990. Still single 2024

@rachelmaddowswife8713

Ай бұрын

The other commenter is right, statistically men are much more likely to remarry after divorce or death of a spouse, and when they do, it's typically much faster than their female counterparts. There are a lot of reasons for that, including the fact that these older single men are more desirable on the dating market than older single women, and that men typically rely on a romantic partner more for emotional and domestic support than women do. Women can be happier single if they have deep friendships with other women. Married men are happier, richer, and live longer than single men. Married women are on average unhappier, die sooner, but are richer than single women. There's more upside for men, so they're making a rational choice to couple up again.

@JudePi-jx7yo

Ай бұрын

@@rachelmaddowswife8713 interesting. I know young Widows and it's mixed. Those with children re-married fast. Single often never did. Huge life insurance also delays re-marriage.

Dave “ now you drive a car without thinking” I’m a truck driver n this is correct how everybody drives n gives no f***about other people

@Overlord277

Ай бұрын

I did dispatching for a few years. Thanks for what ya'll do.

@joseortega9519

Ай бұрын

All that writing and can't include an a "n" d 😒. Don't wear them out now.

Why did she want custory of their children? Also she said, my children instead of saying our children. It sounds like she uses the children as pons to hurt their father. A lot of women do that. It is out of selfishness and vengance. Evil.

@Rickyy_f

Ай бұрын

When angry, women are as close to satan as you can get.

@Bamapride1985

Ай бұрын

Custody equals monthly child support coming in

@aolvaar8792

Ай бұрын

@@Bamapride1985 NO, I don't get ANY money, the mother spends it on METH!

@rachelmaddowswife8713

Ай бұрын

"We" and "our" refers to the current couple. I think she was trying to be clear, if she said "our children", people might assume she's talking about children that she and her current husband had. She's making it clear that the budget she and her current husband are trying to stick to was upended by a surprise on her end that had nothing to do with the current husband. People who are remarried with kids from a previous relationship will frequently say "my husband's kids are joining us for Thanksgiving this year, and then my kids will be at our home for Christmas". Everyone understands what is meant by that, it doesn't mean the children were created asexually and don't have two biological parents like the rest of us. This woman may or may not be evil, we don't know from the info given here, people are reading way too much into this.

@terricox3559

Ай бұрын

A lot of men also use their kids as 'pons' in the 'custory' battle. And a lot of others also walk away totally. But sure let's hate on women

A fool give full vent to his anger but a wise man keep to himself!!!! Finance is a touchy subject to many people it better to deal with it than make matters worst then again silent is golden

I've been budgeting for 4 years and I still have a month here and there where I mess it up. Mistakes happen

Get married (18 months after getting divorced) and THEN figure out your finances and get your life in order? How about figure out your finances and get your life in order first, and then get married?

@johannesswillery7855

Ай бұрын

And left without the kids....

I’m sticking to the plan but I’m over drafts Hahahahha that’s so hilarious 😅

“Got divorced then remarried.” Already a clown call just a few seconds in.

Amy’s frozen pizzas are organic and taste decent. 10 bucks for an easy meal that’s 1,000 calories with better ingredients than all fast food

The plan might be too tight to get overdraft!

As soon as she said she didn’t have Financial Peace University i said he bout to give it to her for free! Haha for sure. This was a great episode, needed this listen in.

I am currently 21, debt free, and have a significant chunk of money saved up. I am a Masters student and should be able to graduate debt free. Should I invest some of this money for the long run in a Roth IRA? Or should I keep it in savings for future expenses as I move out? I have a stable car, living situation, and job.

@manderm

Ай бұрын

Follow the plan, I'm only 31 and have adjusted the plan for the UK, and it really does work. Stay out of debt, 3-6 months of expenses and invest the rest.

@Hdhfhhdh

Ай бұрын

Follow the baby steps , get 3-6 of emergency fund before Roth IRA

@blackworldtraveler3711

Ай бұрын

I smell a scam/spam bot

1:13 Like what Pizza 😂😂

honestly i feel like i have been trying to budget for over a decade and i still feel like i have not made much progress.

Don't buy things you don't need with money you don't have to impress people you don't know.

Eat a Big Mac and switch lanes. 🔥 rap lyric Mr Ramsey.

Why in the world would she remarry so soon. From the fire to the frying pan.

@nightfangs2910

Ай бұрын

Survival Boston is insanely expensive to live there

I really want to make use of the budget app but its not available for download in my country (South Africa). Is there any way it could become available in the near future? Or another app you can recommend? But would love to get goi g with the baby steps asap!

@megalodon1726

Ай бұрын

Pocketsmith and 22seven are available for South Africa.

@bigshotadventur18

Ай бұрын

22seven from old mutual is great.

@zakariahussein962

Ай бұрын

ynab

@tcshy1903

Ай бұрын

A spreadsheet. I bought one on Etsy for $3

Or, I have an idea. Make a line item for surprises or unexpected. Put in a little for a cushion. This way you may not eat as well, but you will eat.😮

I didn’t like how he started this call out. Obviously the plan wasn’t to overdraft. I immediately thought they did their budget wrong and needed help with that. He kept being sarcastic for some strange reason. Glad he finally gave her the advice she actually needed

@darlenepaul2918

Ай бұрын

He's a financial shock jock.Many people these days are walking around out hear in a financial fog.They need a big dose of reality.

3:45 NEEDS TO BE HIGHLIGHTED, a lot of us have fallen into normalizing instant gratification... Getting back on the horse. It's gonna take a a couple of tries.

I ate out today and didnt pay that was an unexpected nice popup 😅

This is why everyone needs an emergnsy fund at least 3-6 month so the lawyer gets his share....Correct? Correct!😁🤗

the new husband is a simp. He married a divorced woman with kids. they are still broke. the simp life

An iterative process- making any budget. We pay all bills from bank BillPay withdrawals. That forms the skeleton for cash outflows. And we deposit funds on the first of each month to pay that budget. We use credit cards for discretionary like food and gas. And Amazon. We pay that credit card twice a month in full. And we keep saying we will spend less next month knowing we won’t. We need to do better with credit card.

@wewhoareabouttodiesaluteyo9303

Ай бұрын

Use credit cards for everything and use cash back to pay back the balance and use your own funds to cover the difference, saving you money (not really) because the amount of money you spent had fees that offset the cash back.

@2023Red

Ай бұрын

@@wewhoareabouttodiesaluteyo9303 maybe right. We pay in full thus have no fees that we know of. We watch our statements and see cash awards being posted . So far we have $2500 cash awards and $0 interest. How about you?

@wewhoareabouttodiesaluteyo9303

Ай бұрын

@@2023Red No, the businesses tack on the "fees" through increased prices to offset the cash back. For instance, you either pay more for something because the merchant knows they will have to absorb the cash back % or you will have to pay a transaction fee on top of a bill like water or electricity. It is usually those $2.95 along with the actual balance you owe. If you get 1% cash back, that means they are still making $1.95 if you only had to pay $100 electric or water bill.

@2023Red

Ай бұрын

@@wewhoareabouttodiesaluteyo9303 okay. I am not seeing it. My power bills match my credit cards. Yet I get my 2% back for rewards. We might cave differentl cards.

@2023Red

Ай бұрын

@@wewhoareabouttodiesaluteyo9303 Sorry you might think that is my case. My fico is 849. No fees whatsoever on my cards. I bring them to zero balance twice a mi th.

I’m having to skim any interest received monthly on my pitiful savings.

I love how Dave Ramsey assumes the ex was a jerk. This woman went from divorce to remarried in less than 18 months so guaranteed she was having an affair with this new husband of hers.

@amireallythatgrumpy6508

Ай бұрын

If they're American it is certain that they ARE a jerk.

Aint it fun?😊 living in the real world...😂

@kendrapratt2098

Ай бұрын

Ain’t it fun you can’t count on no one 🤣 🎶

I budget every month because I have to or I wouldn't have anything for anything and I would never know where my money went.

Exactly how do you divorce and remarry within 18 months? The maths not mathing on the budget or the relationships. I smell a cheat.

Poverty starts when you have kids in a (hcol) area you can’t afford..

Oh my god go to 5:09 and listen to how he says REALLY REALLY REALLY

Going out to eat once a week is *minimum* $150/mo...if you don't tip.

First no debt

I used to be paycheck to paycheck, now my employer changed to direct deposit. So now I am deposit to deposit. 😂

Going to eat out once a week is luxury

I lived paycheck to paycheck when I was young. lol. Scary but I had no other options.

@la9863

5 күн бұрын

How long did it take? How did you get out of that? What type of cushion do you have now?

What popped up pizza😂😂😂😂

The old saying- "Men make plans (or budgets), and God laughs!" Just pinch every penny until Lincoln screams, and you won't NEED to write down a budget! It's a lifestyle choice!

Why is the ex a jerk?

@antr5342

Ай бұрын

The ex could be in a better financial situation. Also if the kids went with the ex she could save more $$$

Its the first 90 days that will either make you or break you. You can make a budget all you want but if you can't stick to it, CONSISTENTLY... it won't work. If you and your spouse can't work this out together. It won't work. Trust me. Ive been creating budgets fo4 my family for years, only to have them not be followed every time. Talk about insanity

Plain and simple…. Just live within your means. I mean people wanna buy $80,000 cars making $35,000 a year. That’s the biggest downfall. People borrowing money to go on vacation 🤦🏾‍♂️🤦🏾‍♂️🤦🏾‍♂️I mean it’s not hard. Just gotta know how to stay in your lane.

I'm eating rice and noodles my whole life 😂

Make more money than you spend. Either make more, or spend less

@donaldlyons17

Ай бұрын

Yeah that is the hard part though because some incomes only go so high and then expenses can also only go so low.....