This was a fun listen too, what a cheery lady.

Please have her on as a series-this was so fun and uplifting

This was one of the best Dave Ramsey calls ever! Her story is equally humorous and inspirational!

@aaront936

2 жыл бұрын

Sure sounds scripted

@neededtobesaid4275

2 жыл бұрын

she sounded like she was full of wonder because she did something so simple.

It was fun to watch Dave and George get such thorough enjoyment. I never knew George had such a beautiful smile.

Anne this was the best call ever. You’re an absolute pleasure to listen to . She’s hilarious 🤣

She’s too cute! Reminds me of the seniors I serve everyday…such a joy to listen too

I wish more people would call back after taking Dave's advice and doing this, giving the listeners a detailed description of the journey

Good for her. The highlight is don't look to your left and right.

We started this a couple months ago and it's so true. We have a saving goal by new years and can see it happening...cash only.

My son is taking a personal finance class and each week he needs to watch one of your videos and write about for his post. Along with him I have learned so much and have been able to make changes in my own life and am able to set him up for success.

@RealGalaxyGamers

Жыл бұрын

Is it online?

@owlblocksdavid4955

Ай бұрын

​@@RealGalaxyGamersI was actually shown Dave Ramsey videos by the teacher in my high school personal finance class. His might have been online though.

This woman made me day!!! 😂

😂 this lady makes my day man wish more people can take the chance like her

Dave’s face is priceless

@JustinCase780

2 жыл бұрын

So are the experiences when using MasterCard

@Lize.T

2 жыл бұрын

@@JustinCase780 🤣

@thetruth5635

Жыл бұрын

@@JustinCase780 hahahah so dam true

DELIGHTFUL lady! She even melted Dave's heart! 😍

@front331

2 жыл бұрын

Sharon Ramsey be on alert!

@TheEdward1953

2 жыл бұрын

That’s not easy lol

"Well, He gave me a good lecture." And they always accuse Dave and hosts of simping.

I know what she's talking about. It's like a sense of self confidence with your finances when you gotta do cash.

Oh my word I love this lady! You must have her back!!

About 2 years ago, I gave myself this challenge. I cut up my credit card and paid off the balance but kept my account open, thinking I'd restart using credit after 30 days. Well, that 30 days turned into 6 months which turned into 1 year that I was NOT using credit cards and doing strictly debt/cash transactions. At the year mark, I called the credit card company to close my account and found it HYSTERICAL that the guy still used the "but you're going to be missing out on all the free points/cash back you could be earning" logic after I told him 3 times that I was not using the account AT ALL. Life without credit is pretty cool -- as long as I stick to the budget. 😜😜😜

@saiayincoby4675

Жыл бұрын

You're missing out

@ASafePlacePH

11 ай бұрын

Your story inspires me to do the same. Thank you for sharing!

@BlueDauntless

3 ай бұрын

@@saiayincoby4675on not having debt? How?

Love her attitude! Have a nice day guys.

She is witty and lovely! What a great call.

She seems like a very lovely lady. I’m so glad it worked for her.

When I spend with debit card, I feel the pain because my balance goes down. I check the balance all the time.

@joshkund

2 жыл бұрын

Oh me too! Really don't understand why older folks don't see debits like that?

@chasebrown6508

2 жыл бұрын

Exactly!!!!!!! I just watch my bank account balance go down. A debit card is still your own money lol 😂

@elizabethmalone3958

2 жыл бұрын

I’m with you - I use my debit card for everything, but watch my declining balance. I’m a constant checker.

I love this call SO MUCH! Thanks Anne for a good call

I took the challenge and it’s now been over 1 year since I used a credit card. I now define items as needs and wants much more before making a purchase. Many items end up back on the shelf at the store as a result.

@BlueDauntless

3 ай бұрын

👏👏👏👏👏 Good job.

We had the exact same experiences as this caller! We switched to all cash a number of years ago and it completely changed the way we handle our money. We definitely spend less and we are much more careful with our money when we use cash for our transactions.

@thatoneguy94512

2 жыл бұрын

I have 198k miles for delta I've earned doing nothing more but buying normal stuff I'd already buy. Now I can fly anywhere using those points. Def worth it for those who can use it appropriately

@scarpfish

2 жыл бұрын

@@thatoneguy94512 Translation to English. You spend money, so you can get a trinkety little bonus from your CC, so you can use that bonus to go spend more money. Got it. 😑

@Sheryl777

2 жыл бұрын

@@scarpfish 👍

@spankynater4242

2 жыл бұрын

@@thatoneguy94512 cash back rewards are better than miles rewards.

@conquistador2

2 жыл бұрын

@@scarpfish you spend what you’re already going to spend. I don’t see the issue.

I’ve been doing this for a few months now and it has definitely helped keeping my spending under control!

This lady is so awesome to listen to. I had a big smile through the call. I hope her life is changed by the experience.

I’ve been saying this for a long time. Cash will make you think differently.

It took mie a while to understand why Dave is against CC not bc we’re not responsable to pay off full at the end of the month it’s because you expend less

@aaront936

2 жыл бұрын

He's against them because amex called him a deadbeat to his wife back in the day.

@jrus690

2 жыл бұрын

No, Dave is against CC because apparently the majority of people have something called 'no self control'. Many do not realize they would have more to spend if they were out of debt.

@KS-xb3cg

2 жыл бұрын

@@jrus690 self control requires goals, plans, concrete whys. And they are always changing. Much easier to rely on a smart system that takes the pressure off of the constant self awareness that “self control “ requires.

@BlueDauntless

3 ай бұрын

So many reasons to be against them, but this one that seems to get overlooked the most.

Brilliant!! Dave's point at the end with "leaving with both things" is so true!

Favorite call today!

I was expecting for Dave to jump in at 3:45 and say "sell the dog"!!! :D

"That will get you political, right there" says Dave. I laughed at that! But it is SO TRUE!

This lady is great!

One of my favorite calls!!

Best phone call ever! Good for her.

Love her call:)❤️👍💪🏻👏🏻

In South Africa we had a mini-series called the "One Rand family" and the "One Rand Man" (Rand is the South African currency). Anywho, your entire salary would be given to you in one rand coins and you would have to physically pay for everything. The coins where kept in many containers. The participents where shocked at the amount of overspending they had previously done. Using physical cash (although not ideal) can kerb your spending

Great call! This lady rocked!

I love this lady! Such a powerful and compelling testimony. Very motivational! :)

Wow this lady call in was so good that it almost seemed like a skit 😂

I actually started Cash Envelopes but using prop money. I thought this was a better choice for me as I do not want to keep a lot of cash around the house. To my surprise, using that Prop money really works. Although I do not give it away at the store, I have to go home and take it out of the envelope. I find I think twice about spending that money.

@KS-xb3cg

2 жыл бұрын

That’s a good idea! I would keep some on hand for emergencies though

@mcdee1313

2 жыл бұрын

@@KS-xb3cg thank you. I do keep a smaller amount of cash on hand due to the weirdness right now.

I was thinking the other day about how much banks have lost because of what happened to Dave. Had they not changed policies and called in loans, Dave may never of have gone down the road of being debt free and teaching others to do the same. So thank you banks for helping Dave go down a different road and change the world.

@alinatamashevich3354

2 жыл бұрын

As many others have as well! Banks have a duty to protect the bank and the shareholders, FIRST

I need to listen to get advice. This is awesome.

What an amazing lady! That's inspirational.

Omg she's hilarious 😂❤❤❤

I wish you let her talk more. She was a treat.

The other thing I do to control any possible overspending is turn off Overdraft Protection with my bank. It doesn’t work with automatic deductions but if I go to Walmart and try to buy something, it will decline if I don’t have the money to cover it. I would rather deal with the slight embarrassment of a decline in public then the bank hitting me with multiple overdraft fees

I genuinely believe this is the GREATEST DAVE RAMSEY EPISODE EVER!!!!!!!!!!!!! Anne, George, and Dave.........THANK YOU. I am sharing this with my hubby. (You "may" have created a monster here.)

I have this problem with Apple Pay and my debit card, I’m going to start doing this

Great call back. Need more of these follow ups.

I love her. ❤ Her spirit is so bright and cheerful.

We should make a challenge of 30 days. Buy only essential items that include gas, rent , grocery food and medicine .

@KS-xb3cg

2 жыл бұрын

Good for a budget correction. But when real life kicks in and you have extras it’s good to have a provision for them so the budget isn’t blown.

@Ballerism

Жыл бұрын

@@KS-xb3cg Why do you have extras ?

This woman should be on her own sit com show!

Her voice change at 3:36! 😂 That was a great call!

My goodness, bless this lady

She is such a lovely ball of joy to listen to!! ❤️💖💗🌸✨🌟

What an uplifting caller

I was working as a caregiver and was making good money along with my social security check, I didn't have any problem spending a few dollars here and there even though I was saving. Now that I'm not working and just have my social security check I'm almost afraid to spend money for food! Crazy how it goes! I don't want to break into my savings!

I love this lady! She is adorable!

I’ve gone 2 months like this!!! It’s amazing!!! Game changer

I love this episode 😅

I LOVE this!!!

I'll tell you what, Dave, when I had to hand over those Benjamins, it was like Whoopi Goldberg trying to donate money to charity in that movie scene in 'Ghost.' The cashier really had to pry it from my hands ( oДo)

@elsaromero4743

2 жыл бұрын

😆😆😆yesss

She sounds very cheerful and nice.❤❤

This was great 😂😂😂😂 I love her so much ❤

She's so cute!! Dave loved this call. It's all over his face.

I tried this no credit card month and it’s been good till now. Learned to keep some money in my account.

This is so true, as I personally have done it only for a week.

Good for her!

George was sweating lol now wants a raise lol wonderful woman !

We, the sheeple, need to ensure the powers that want to be can't do away with cash and go digital only.

@Stop007

2 жыл бұрын

So true! And that's exactly why they want to get rid of cash.

What's really funny, is that on the side here, suggested viewing is a piece by CNBC "Why you should use credit cards for everything." HAHAHA. I'm going to watch that next and see what the angle is.

Literally been trying this aswell not using my card that often but using the cash I do have laying around and trust me I've spent little to non this past month

This was so inspiring I’m going to do this challenge

She’s amazing!

I use a credit card for security reasons (gas, internet, places I can’t see my debit card 100% of times ) not points, I was victim of debit card fraud once, that’s all it took. My monthly cc is accounted for before I get the bill because like a debit or check the charge is deducted from the account ( in my ledger)when it’s made. Never made a lot of money but I own a home with no mortgage, two cars less than 2 years old with no payment, retired with income far exceeding my expenses. A credit card hasn’t been the gloom and doom end of my life, I know what I need and what I can spend no matter how I choose to pay for it, it’s called being an adult.

@linpalumbo2099

3 ай бұрын

It all depends on your financial picture. I enjoy the rewards, I never carry a balance, but also use cash if I can get a better price.

@BlueDauntless

3 ай бұрын

This is my only debate with credit vs debit. My credit union has been awful handling fraudulent charges.

I take out cash for spending, groceries, variable spending because those categories I struggle with when I use a card. I get satisfaction getting change back. I have a savings for anytime I receive any $5 or $1’s I automatically save the change and will count it next year to see how much I’ve saved and put it towards a goal.

I feel the opposite using cash I always spend more

Finally decided to cancel my American Express card. Have 1700 left,on it will pay that off within a couple weeks. The only Debt I would have left is my car payment rich unfortunately I got into prior to listening today but that would be my last non-cash payment. Which I am aiming to pay within two years I want to make two payments per month to speed. Glad I learned this at 26

So we bought vehicle cash. Budget for 42k max but as we looked that number felt high and the closer we got to buying the lower that price we wanted to spend. And I thought if we would of financed we would of easily bought a 50k 60k vehicle. We ended up spending 30k so in essence we saved 30k spending cash on something that loses us money

@kdonor

2 жыл бұрын

We used a cashier's check because that was the seller's preference (private sale). I read that it's best to not pay for a car in cash since drug dealers are the people suspected of having lots of cash. But good for you.

@indianatime

2 жыл бұрын

@@kdonor yeah - in this conversation, a check - especially a cashiers check which is prepaid - should be the same as cash. Just few retail places that actually take checks now.

@KatieBellino

Жыл бұрын

@@kdonor If you're not a drug dealer, who cares? What do you have to hide?

@BlueDauntless

3 ай бұрын

@@KatieBellinoThis! What a strange comment.

She reminds me of Lucy Ricardo’s mother, Mrs. McGillicuddy.

I love this!

Good video and entertaining 😊😂

This lady is awesome....

Anne from Austin is absolutely ADORABLE!!!!!! I love her!

What time does this lady start drinking?! 😆 she sounds like a blast

She's adorable! You need to get her on the show!

Where can I find a younger version of this woman? She sounds like a lovely soul

i switched to using my debit card, and bought all the exact same food and gas that i would otherwise because i still need them.. and missed out on the points....

@scarpfish

2 жыл бұрын

No you didn't.

30 days? I did it for a year. Never looked back. If you want a real challenge, do no discretionary spending for a year.

@cornypinkuni9519

Жыл бұрын

This would be life changing for many.

I remember when I was young and everyone used cash, you did "feel" it more, but many families had to take things away when they were short. I remember the cashier saying "what do you want to take away?". My mom had it to a science but it wasn't easy.

@loganmedia1142

Жыл бұрын

I didn't. Paying with a card is still parting with money and I can't use more than I can afford to pay at the end of the month.

This darling lady sound like Judy Garland from the Wizard of Oz.

I mostly agree with cash only. It hurts more to let go of cash. But using a Lowe's card with 5-10% off and paying off each month actually saves me money.

I have been DAVE silent for 2 or 3 years , having been a long time constant listener for years , can say this after jumping back in , you and George have great Chemistry, great co-G.o.a.t -st

Dave and congress🤣🤣🤣

Anne sounds like she bakes the most amazing cookies. Hahah shes great

I gave all my credit cards to my husband! There is nothing in this world that would make me ask him to use it. So they shall keep collecting dust and i shall continue to pay them off.

Dave is tickled. 🤣

This lady is so cute! She reminds me of Aunt Bea from Andy Griffith.