This guy cares more about getting me out of debt than I do...

@marinevetoneroman7232

3 жыл бұрын

🤣

@3skFq7pSM8tcFfF

3 жыл бұрын

This comment needs more likes.

@Danzilly

3 жыл бұрын

If he didnt care about people being free he would not come in everyday teaching and telling you how!

@80sbabyg57

3 жыл бұрын

😂🤣🤣

@chaw3858

3 жыл бұрын

I mean for real he does

Before you make a purchase just play this video

@Papeeshka

6 жыл бұрын

SupremeVision yessss

@alrs79

6 жыл бұрын

Genius!

@pdxlife5879

4 жыл бұрын

SupremeVision I have to try it!

@ericaspruill8461

4 жыл бұрын

Yeah I closed an online shopping tab after hearing this....

@tmston2

4 жыл бұрын

i was always told wait a day or 2 - see Lee Jenkins taking care of business

This audio is my alarm on my phone. Wake up smiling every morning getting yelled at.

@elischwartz6426

4 жыл бұрын

Jason Clay 6 AM in Jason Clay's house: "You know how you get rid of Sallie Mae? You either PAY. HER. OFF. IN. FULL. OR. YOU. DIE."

@JustReadingAmongstOtherThings

4 жыл бұрын

hahaha

@wendysutheard5132

4 жыл бұрын

There is one more way actually. You can have it forgiven.

@garyhost1830

4 жыл бұрын

@@wendysutheard5132 multiple years in a govt job paying half of what the same person could be making elsewhere... I'd say they're paying for it, probably more. I saw Dave go over the math with one lady and it worked out way better for her to take the high paying job and just pay the debt. I wouldn't really know. I'm a stupid tradesman that dropped out of school and got a trade. Never really knew there was a huge student debt problem until I started watching Dave.

@Epro95

3 жыл бұрын

liar

Dave's the father a lot of kids desperately need today.

This man changed my life. All my friends bought nice cars ($1000 payments), rv’s, and have credit cards bills, and student loans. I wear old t-shirts and I didn't take vacations. I don't have car payments, credit cards, or student loans. I added additional principal payments to my mortgage, and I paid off my house...and my friends can’t figure out how I did it.

@halffead

5 жыл бұрын

Because your friends don't have a clue and you do have a clue !

@jacobo9611

5 жыл бұрын

That's my plan, still working on paying the house off tho, seems like it won't happen

@elonmusk8667

5 жыл бұрын

Jake A I sold a bunch of things on eBay like my bike, Bike parts, and some vintage toys. It can happen.

@jacobo9611

5 жыл бұрын

True that, I'd been thinking of selling the Harley, gets good gas mileage and would bring in 3k plus saves on insurance.. then just buy one after the house is paid off

@elonmusk8667

5 жыл бұрын

Jake A I think that would be a wise move.

Lol I'm completely debt free but this still made me want to get out of debt :D

@alrs79

6 жыл бұрын

littlemarcus15 praise God! And congratulations!!

@alinmatti786

6 жыл бұрын

littlemarcus15 😂😂😂😂😂

@ramalam1988

5 жыл бұрын

littlemarcus15 😂😂😂

@checkfoldcallraise

5 жыл бұрын

Since watching this guy I'm alot more generous when tipping. I limit going out to eat and I go cheap because I enjoy single life and don't like spending 90 dollars for dinner. So I spend less and tip more.

@Kingsu451

5 жыл бұрын

You shoul get on debt again so you can then get out of debt.

this was a beautiful RANT.

@barbieblue3336

3 жыл бұрын

It really was. He was getting into it

@johnb1121

3 жыл бұрын

Facts😁😁😁😁

@mikehartford4163

3 жыл бұрын

Sometimes you just need Dave to yell at you.

Dave made me feel so stupid and entertained at the same time. My life is changing financially because of this guy.

The only person i listen to when they’re yelling 😂

@melanieovalles5254

4 жыл бұрын

Hahaha!!!!

@meahr4654

4 жыл бұрын

😂🤣

@AffirmationQueen

4 жыл бұрын

Lol Amen!!!

@passyk9968

4 жыл бұрын

Amir Abed yees me too😂

@jerseynurse6878

4 жыл бұрын

Lol same

Who else wish they would have found Dave Ramsey before they sign that contract to their car payments?

@sherrymcmahan6260

6 жыл бұрын

Cam Mims i have a 2016 Chevy traverse that i have had for a year...i completely agree with you....i so want to get rid of it ( which i will but man..)

@SIRENTHEROCKER

6 жыл бұрын

YES YES A THOUSAND TIMES YES

@jamaicanvisa

6 жыл бұрын

Amen

@goingnaturalnewstart

6 жыл бұрын

No I wish I had this video before I took out all those student loans.

@mikelomeli1316

6 жыл бұрын

☝️

when he yells at us like this hes really yelling at his old self that was bad with money. Thats why hes so passionate. i love it!

I’ve just ordered the iPhone 12 pro. I think I’ll cancel it after listening to this

@anthonyfarandatos7839

3 жыл бұрын

Great idea, you could dump that money into investments instead and multiply that money overtime

@robkober9139

3 жыл бұрын

Someone will sell you their 11pro max for half because they want the 12.

@Chocolatinhermoso

3 жыл бұрын

Good move !!!

@CallMeSlavik

3 жыл бұрын

Did you cancel it?

@sheldonray37

3 жыл бұрын

Cancel it

Possibly the best Dave Ramsey rant ever

@generationx9294

4 жыл бұрын

I love it. Because we need to hear the truth. Love how passionate he is and spits the cold, hard truth!! 👍🏽💪🏽💥

@EmpireTextbooks

4 жыл бұрын

Jonathan Gray haha yeah I love how he gets so triggered about people who use credit cards responsibly. I guess he just has bad memories of being embarrassed by credit card companies calling up his wife before he went bankrupt.

@masterchief5437

4 жыл бұрын

True!

@keispcs

4 жыл бұрын

Jonathan Gray agreed

@teewilliams4520

4 жыл бұрын

By far. I felt this

Have to say.. he’s the reason why I’m putting 90% of my paychecks toward my student loans. Went from $32k to $3k right now in a year. I’m going to have them finally paid off next month. Needed that motivation 👍

@kendallrackley1308

6 жыл бұрын

What’s your range of income

@ImOldandSoAreMyBooks

6 жыл бұрын

xslayr03 You are amazing. Congratulations on changing the rest of your life.

@MattSezer

6 жыл бұрын

You must being making a lot of money or have very low living expenses, as most people couldn't live on 10% of their income. I saved maybe a half to a third of my income and paid my student loans off quickly, but I'd be living on the streets if I saved 90% of my income.

@gina_ashford3548

5 жыл бұрын

You must live with your parents.

@JugglingFinance

5 жыл бұрын

That's awesome

37k in debt 6 months ago. Down to 26k now, and with a full emergency fund. Dang, this 💩 actually kinda works...

@marcusmiller948

3 жыл бұрын

Keep up the good work man!!

@lardook

3 жыл бұрын

Wrong order bud emergency fund after baby step 2, you'll get the emergency fund back quick as once you have no payments

@izabellasanchez8078

3 жыл бұрын

Kudos to you!

@justinbowman2126

3 жыл бұрын

It only kinda works if you kinda work it.

@CoryWould

3 жыл бұрын

Keep it going!

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

@Lourd-Bab

2 күн бұрын

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

@PilouBen

2 күн бұрын

@@Lourd-Bab However, if you do not have access to a professional like CLEMENTINA ABATE RUSSO, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

@Lourd-Bab

2 күн бұрын

@@PilouBen Oh please I’d love that. Thanks!

@PilouBen

2 күн бұрын

@@Lourd-Bab Clementina Abate Russo is her name .

@PilouBen

2 күн бұрын

Lookup with her name on the webpage.

I wish Dave could just tell us how he really feels.

@lauraeriksen8999

4 жыл бұрын

Ben Renninger 😆

@nllc9779

4 жыл бұрын

Haha that was good

@paystyles5429

4 жыл бұрын

Ben Renninger 🤔😂

@XxXZombieoxideXxX

4 жыл бұрын

LOL 😂

@russellwinfree7587

4 жыл бұрын

😂😂😂

I was waiting for him to rip his shirt off and run through the plate-glass window screaming.

@susie7336

4 жыл бұрын

Hahaha! I have a clear mental image of that now! Hahaha

@XxXZombieoxideXxX

4 жыл бұрын

Hahaha

@anniesshenanigans3815

4 жыл бұрын

OMG thats hilarious. maybe do a meme???

@dany6711

4 жыл бұрын

Like the HULK....😆😆😆

@marieroyal4434

4 жыл бұрын

He is in his element.

Love him or hate him, this man truly helped me! I paid off my student loans (a little over $47,000).

@xxtoptankxx6873

4 жыл бұрын

Wow congrats. That's allot paid off

@rhonda8566

4 жыл бұрын

That's really impressive

@candicescoby6633

4 жыл бұрын

Thank you to all who liked and commented on my comment!

@feliciahitch8235

4 жыл бұрын

Candice Scoby Big congratulations!! I’m on my journey and have $52,000 to pay off. It used to seem impossible until I started listening to Dave and taught myself more about personal finance. Now I’m just excited to escape this mountain of debt I’ve gotten myself in. If you don’t mind me asking how long did it take you to pay off your student loan?

@candicescoby6633

4 жыл бұрын

Felicia Hitch thank you! You can do it!

I have never had any debt, for my entire 30-years life, but still listening him yelling just makes me want to get out of debt. What a charismatic man!

Here Dave, have a Snickers. You’re not yourself when you’re hungry.

@martomes7510

6 жыл бұрын

More sugar?

@MrGoldfinch88

6 жыл бұрын

You better not have paid for that snickers with a credit card.

@Elizabeth-uj8vn

6 жыл бұрын

😂😂😂🤧😂😂

@lovethemflowers

6 жыл бұрын

Sounds like he was HANGRY, Lewis.

@mm860

6 жыл бұрын

Hahahahahaha too funny Lewis

THE PASSION IS REAL AND RAW. I think from now on I'm gonna listen to this on payday and before I go shopping.

@tbirlon

5 жыл бұрын

Wanda Majette 🤣😂

@Ghanaba23

4 жыл бұрын

😀😀

@lukebas1162

4 жыл бұрын

He would be a good sith😈

@ForeveryoungNfierce

4 жыл бұрын

Same 😂😂

@helendayton8884

4 жыл бұрын

Me too!!! OMG 😄

"when you give your income to someone else, you don't have it anymore!!!" 😂 Amazing. I love this rant.

Beans and rice...After, hearing this forget the beans, forget the rice, Heck, I drinking WATER morning, noon and night! I am drinking lukewarm water, ice cold water, hot tea, etc...DEBT-FREE HERE I COME!!! 🙏👏👍❤🙂

@NiceOCGuy1981

3 жыл бұрын

Be careful the water you drink. Most waters have bad chemicals in them.

@kiaharper7172

3 жыл бұрын

@@NiceOCGuy1981 You ruined this comment 😒

@NiceOCGuy1981

3 жыл бұрын

@@kiaharper7172 just stating facts

@angel661984

3 жыл бұрын

Way to go buddy! All the best and good luck 😊

@choosetoshine2610

3 жыл бұрын

Make it happen! Get outta debt as fast as you can.

Master card is spot on. You have the card, and it becomes your master. Simple and straightforward.

@ZeroBaller0

6 жыл бұрын

justinjex1 Yup

@mooret212

6 жыл бұрын

Wow yep!!!!!!

@paulallison6689

6 жыл бұрын

Having either a MasterCard or a Visa card (or pretty much any other credit card) isn't a bad thing...so long as you have *good self discipline & use it/them very sparingly & wisely!!* . If & when you buy something w/ a credit card keep it *affordable* & when the billing statement comes *pay it off in full*...or at the very least within 1-2 months...by doing that you'll find that it helps to help your credit score go up & they'll only be getting whatever the yearly fee for having the credit card is & no or *very little* interest!!...& *no added late fees!!* The problem is too many people get stupid & get themselves into a bind w/ them because they lack good common sense & self discipline...it's just as simple & easy as that.

@nicogreco7110

6 жыл бұрын

Paul Allison if and only if you use your card to pay for stuff you'd already pay for, and nothing more. The thing is, people rarely do this. On average people will increase spending by as little as 20% when using credit cards as opposed to paying with cash. So yeah, you get 1.5% cash back on all purchases, you don't carry a balance, but if you spend up to 20% more per month, you are coming out a loser.

@Brandon-305

5 жыл бұрын

@@paulallison6689 you're 100% right! I have a mastercard linked to a mastercard account.

The truth hurts sometimes, but it is helpful to hear it.

@ImOldandSoAreMyBooks

6 жыл бұрын

90 Seconds Of Motivation I love your channel name!

@Motivated_Motivation

6 жыл бұрын

Thanks, you also have a creative channel name. My ultimate goal is for visitors to find value in the videos.

@MR2SpyerJournal

6 жыл бұрын

Faithful are the *wounds* of a friend. Good friends tell the truth, no matter how hard it is. But it's always for your benefit.

@isrraelgarcia6781

6 жыл бұрын

90 Seconds Of Motivation haha I agree ☝️

Dave: “Borrowing money on your house to put granite counter tops in, SOMEBODY OUGHTTA SMACK YOU!!!” 😂😭🤣😭😂😭🤣

@pastortimhenson6399

3 жыл бұрын

😆lol

I’ve been debt free for a while but I replay this video just to keep me motivated and stay out of debt. 🙏

Don’t hold back Dave. Tell us how you feel

@ShubhamSingh-dv6nb

6 жыл бұрын

DMaster81 😂😂😂😂

@PSHOW

6 жыл бұрын

😂😂😂😂😂

@khalifaalbalushi4944

6 жыл бұрын

Loool

@bobby_ewan

6 жыл бұрын

DMaster81 😂😂😂

A lot of people I know driving new cars are almost broke. The more wealth you have, the less others control your life. Debt - bad, Freedom - good!

@tmston2

4 жыл бұрын

new car doesn’t bother me when its 30% max of ur income, i know people driving a $40k - $70k vehicle making $38k a yr, to me thats crazy!!!

@calebniederhofer6529

4 жыл бұрын

@@tmston2 How in the world would you even be able to pay the note on a 70k car making under 40k. Are you sure this is accurate ?

@tmston2

4 жыл бұрын

Caleb Niederhofer im saying if u make $35k annually buying a car for $12k which will be spread out over 36-48 months to pay is not terrible in my book. buying a $40-60k car wen u making $35k is not wise to me. unless your home is paid off & u dont hav a housing payment but still not wise to me

@calebniederhofer6529

4 жыл бұрын

@@tmston2 You said you knew people driving a 70k car making 38k a year . I am not arguing financially how dumb it is. I just find it hard to believe getting a loan, on a 70k car making 38k a year. The only way that would be even possible would be a substantial amount of money down , or a cosigner . See you have to be careful making claims like this .

@ncg8224

4 жыл бұрын

@@calebniederhofer6529 you can get a 10year car loan. However you'd be paying too much.

Well said Dav, love it !!!!! ( love the bass boat analogy) cause I am a bass fisherman and I had a 30 thousand dollar bass boat. Sold it , bought a 3500 dollar nice smaller rig , paid off my house , my truck, and living debt free now. Oh by the way I have caught more bass than you could imagine cause now I don't burn 100 dollars worth of fuel running up and down the river to impress people how fast my boat will run. I fish now. Well said buddy.

@Only2GendersCommonSense

3 жыл бұрын

Reel 'er in 'n catch dat sumbich 🎣🐟

God bless his blood pressure and heart.

Did he say “American Distress” instead of American Express? 😂

@Ms.MD7

4 жыл бұрын

He has a nickname for every CC: American Distress Master..........Card Discover Bondage (something like that) lol

@TennisBarbie119

4 жыл бұрын

Eva Flowers yes I am a new listener picking up on these things 😂

@jesusbalderas329

4 жыл бұрын

I love my time away from working. My Money makes money while I sleep.

@sherylchapman7809

4 жыл бұрын

Malika absolutely

@katiakohl4653

4 жыл бұрын

Malika 😂😂😂👍

Redbull...a new proud sponsor of Dave Ramsey

@Zayynab

5 жыл бұрын

😂😂

@lyndsieannette957

5 жыл бұрын

🤯🤯🤯😂😂😂

@libawn

5 жыл бұрын

🤣🤣🤣🤣🤣 Well said

@normabarros3124

4 жыл бұрын

Lol....hahaha

@BagsNBaguettes_327

4 жыл бұрын

🤣🤣🤣🤣

Probably one of the most aggressive Dave Ramsey rants I've ever heard

@Only2GendersCommonSense

3 жыл бұрын

Saving some money on razors too? 🧔

Can we send this to the government?

@mr_red13

3 жыл бұрын

I wish this would help. But they like it when their people are not in control of themselves so it makes it easier to control them.

@HighCountryRambler

3 жыл бұрын

Along with your paychecks. Problem with the government, they're only the people we elect. And people today are easily fooled by the repetitive "free stuff" promises. And never notice that the promises never happen.

I'm not religious but this is the type of sermon worth listening to. Dave is spot on: "Stoopid! It's stoopid!" Greetings from England.

@badgiles

6 жыл бұрын

Generation Renter well these aren't exactly religious related videos lol. Nothing religious about how to get rich. In fact the Bible teaches complete opposite. Nothing against Dave though, he makes great points on saving for the future, especially for the secular world.

@theuncoveredlamp

5 жыл бұрын

@@badgiles not even remotely close. Some of Jesus's closest friends were rich: Lazarus, Joseph of Aremathia, and Nicodemus were all wealthy. Proverbs 21:20, There is precious treasure and oil in the dwelling of the wise, But a foolish man swallows it up." (NASB) you've probably heard this verse, "Then He said to them, 'Beware, and be on your guard against every form of greed; for not even when one has an abundance does his life consist of his possessions." (Luke 12:15) however so you know the context? My title of the story is "'Jesus rebuke the socialist," and here's why, "Someone in the crowd said to Him, 'Teacher, tell my brother to divide the family inheritance with me.' But He said to him, 'Man, who appointed Me a judge or arbitrator over you?' Then He said to them, 'Beware, and be on your guard against every form of greed; for not even when one has an abundance does his life consist of his possessions.'" (Luke 12:13‭-‬15 NASB) Jesus is rebuking the poor guy for complaining about income inequality. Socialism is at best what you get when Satan twists our godly desire to help people with greed and envy, or at worst it's the wholesale rejection of God to embrace our sinful desires of greed and envy. Either way it's a sinful ideology condemned by the Bible.

@NasciParaAdorar7

5 жыл бұрын

😂😂😂😂😂😂😂

@ptorlando1

5 жыл бұрын

I'm sorry to hear that you're not religious. It seems to me that little of England is religious. Glad you're following DR.

@alejandromurillo4153

5 жыл бұрын

Matt Renter it’s not about being religious it’s about being well off

No one cares enough to tell you about yourself anymore......this was an awesome reminder to stay on track....thanks Dave

These rants are motivation to stay out of debt. preach it papa Dave!!

I'm litterly $0 in debt and this rant makes me feel like why aren't I $-100

I love what he says. I just paid off 6 cards and closed them. One more to go.

@bernandapresendieu

4 жыл бұрын

Boston girl313 when you close your credit cards, doesn’t that affect your credit score?

@bostongirl3137

4 жыл бұрын

nandaN sadly it does. It lowers your score but I plan to keep 2 cards at least. Hopefully it’ll be ok in the near future.

@shonalovely2143

4 жыл бұрын

I have a credit card, use it for all my major purchases and some small. Pay it off weekly, no interest. I don't like using my debit card except at ATMs. My personal preference. He can yell all day. I pay no interest because i never spend over my budget or whats not already in my account. I have a 6 month emergency fund paid off my student loans. I dont pay interest on anything.

@gregorymoore2877

4 жыл бұрын

@Anthony The only thing a credit score is good for is that it lets you borrow more money. So you can increase your credit score. So you can borrow more money. So you can increase you credit score. So you can borrow more money. Etc... The optimal credit score to have is... zero.

@jonyoung6405

4 жыл бұрын

Once you get all your cards paid off, and learn to pay off each month every time, you lol care less about your “ credit scores.”

It’s simple...if you don’t give away your money, you get to keep it 😱 thanks, Dave!

@seventhchild7270

4 жыл бұрын

@Anthony But you still need it to survive and live, especially with the economy the way it is and will become worst!....nothing is guranteed,....look at the recession 0f 2008, and depression of 1929/1930!....its so important to prepare for the unexpectant job loss, illness, divorce, etc.

@memberofthelambily1340

4 жыл бұрын

It’s funny... I started mentally telling myself “it’s MY money, not theirs” every time I got an impulse to buy useless stuff. Few days later I found Dave Ramsey

@dem9345

4 жыл бұрын

@Angela Lewis Hense COVID-19. Its almost like you saw into the future lol

I need Ramsey to yell at me everyday.

@dariaharruff7025

4 жыл бұрын

Same here

@KianoUyMOOP

4 жыл бұрын

Who, Dave or Gordon?

@SuperSimpleasthat

4 жыл бұрын

@Ahmed Almutairi its means he is a Christian from middle east and targetet my isis before

@NEWLILLYHOT

4 жыл бұрын

Me 2

@salman9041

4 жыл бұрын

😂😂

I still watch this video until now reminding my self how stupid i had been and cannot go back to it. Time to clean my mess

I was going to go to Chipotle for lunch. NOT NOW!!

@ZeroBaller0

6 жыл бұрын

3Birds1Nerd Yup just make your own food, you'll save incredible amounts of money. Thank me later

@maxinef6654

6 жыл бұрын

You can go, just don’t put it on a credit card.

@brianx04

6 жыл бұрын

Rice and beans, beans and rice.

@QueenRissa_34

5 жыл бұрын

HAHAHAHA

@starfalcon2

5 жыл бұрын

Chipotle Outbreak! Hope it helps!

LOVE THIS VIDEO!! It's SO true! My 2 cents - Everyone is saying the cost of living is so expensive and jobs dont pay enough these days.....comparing 2018 to their parents lives in the 1950's. And for some reason that is why we are all broke! When in reality the problem is everything that we finance and borrow....which our parents didnt do in the 1950's. We finance cell phones with Verizon, tv's and furniture with Rent-A-Center, cars with Ford motor credit, education with Sallie Mae, cosmetic surgery with Care Credit, vacations on Visa/mastercard, clothes on the JC Penny credit card, engagement rings with Kay. This is why people are broke, and we normalize it as if it's just part of life.

@CuteAnimeGirl

6 жыл бұрын

Their wages were adjusted for inflation and productivity though and they bought houses before prices ballooned, so they made out like bandits. We are all starting from 0 here, after the prices of everything are all all time highs, and if you know anything about stocks you DO NOT buy things at at time high, you wait for them to crash and hit the bottom. However we are waiting for this to happen, and that will not happen until we have another great depression to restart the cycle. The buying things on credit/debt started with the boomers too, they could buy things on all sorts of credit and simply declare bankruptcy and do it all again. Look back to them and see that they raised their kids to adopt these same spending habits. However, the young ones are getting wiser in some ways (not being as materialistic) but they made mistakes like getting student loans because they thought good debt existed.

@LyonsArcade

6 жыл бұрын

Not to mention that your average family in the 50's lived in a 1000sq foot 2 bedroom 1 bath house, with no ac, and had no cell phone bills no cable bills no internet bills, Mom stayed at home all day because Dad took the 1 car they had to work. You can absolutely still live like THAT on 1 salary today, it's just people don't want to.

@CuteAnimeGirl

6 жыл бұрын

well yes and no, in the midwest it's possible but in most desirable places to live extra sacrifices will have to be made for a 50's lifestyle. I would say it's nearly a requirement for the woman to work these days to feel comfortable at least. Add kids in the equation and that's where it gets murky, I can't imagine trying to retire if you have kids as a millenial, the costs are far too high now. I already made the decision to have no kids or at most have 1 if I get a really good job at some point (unlikely my salary will go above 50k anytime soon, I would only have kids if I made at least 70k a year).

@LyonsArcade

6 жыл бұрын

Keep watching Dave Karin, you'll get there! Best wishes to you.

@maryrenaud6732

6 жыл бұрын

Yes...well my parents never borrowed because their was NO Credit available for working people, except possibly to buy a house with a 25% or more down payment. Everything else we bought was USED and paid for via cash payment in full upfront, including cars, clothing, even shoes. We had one landline phone and went camping on vacations. Since most people lived this way, we thought it was pretty normal. Would our parents or grandparents have been this frugal if easy credit were available? I doubt it, I don’t think it was motivated by good money management principles, it was necessity...no one would lend to them.

"You had to have a bass boat so you're $32K in debt because those fish were outrunning you!" I almost died! 💀😅

@emack4371

3 жыл бұрын

Me too....tears😂😂😂😂😂

THIS is by far my FAVORITE Dave Ramsey rant. I play it over and over to serve as a what not to do or what not to do again reminder. Anybody else catch the part where he says he's gonna kill us 6:18 ? I love that frfr 😊! Keep educating us Dave, we're getting there 🦋. Thanks for caring Mr. Ramsey!

"Car payments: stupid on steroids" Completely factual

@JazminBautista

4 жыл бұрын

I agree, if we’re not financially free then there’s no need to do payments that will lead us to not succeed financially.

@shonalovely2143

4 жыл бұрын

People in rural areas have to have a car and a decent running one at that. I buy reliable cars cheap as i can and keep them forever.

@tinateews9494

4 жыл бұрын

I admit I was young stupid then. Thank you Dave

@daniellee1722

4 жыл бұрын

The only way that makes sense is if said car allows you to have an income. Some places like LA you need a car or a lot of jobs won’t even hire you

@SignedOff402

4 жыл бұрын

Until you buy a 10 yr old car which turns out to need car repairs adding up to several grand (bad cylinder) and the anguish of having a car which has hidden issues...a lemon...because the used auto dealer is a con artist.

*closes eBay app

@willspoon1207

6 жыл бұрын

open it back up to sell some of the stuff you don't use anymore

@DAL201107

6 жыл бұрын

Hahahaha

@LaToyaPlansLife

6 жыл бұрын

FireMrshlBill back away from the computer lol

@njstorozuk

6 жыл бұрын

THERE WE GO WILL

@pamelabell6855

6 жыл бұрын

🤣🤣🤣🤣🤣

Im the 48% that dropped out of college and started working getting experience and im still making more than my friends

I watch this whenever I want to buy anything. Thanks Dave!!!

@Lainabell1496

3 жыл бұрын

🤣🤣🤣

I FINALLY get what he’s saying! You may get the discover points but you still have to give them your money.

@RJ1999x

6 жыл бұрын

Queen Bell The trick is pay off the card at the end of the month, no interest, gain points

@gregjones9901

6 жыл бұрын

The trick is to never use a credit card ever, because the idea that you need a credit card to build credit is a Myth. You can easily build a credit score of 850 in 6 or 7 years with just a consistently paid phone bill. You're gonna spend more just by having access to that credit card.

@lytonya1533

6 жыл бұрын

Greg Jones Thank you for the heads up!

@SIRENTHEROCKER

6 жыл бұрын

Its a jedi mind trick for them to call it points in the 1st place. Chuckee Cheese has mastered it. Trade your Money for tokens and leave spending like $3-$400.00 because it was all in "tokens/points" not Cash. They use these terms so you dont realize youre spending waaaaay out of budget.

@tommy2346

5 жыл бұрын

I have one credit card, and never payed a cent of interest. And I do need it, cause without the credit score the only place they will let me rent are ghetto dumps. So I don't give anyone my money

This is true. I know people that go to Starbucks everyday 7 days a week. The average coffee at Starbucks is $5 x 7days =$35 x 4 weeks =$140 x 12 months = 1680 and you wonder where your money is.

@mimisam2091

5 жыл бұрын

Well said thanks for breaking it down.

@LS-nu1hv

4 жыл бұрын

My hubby used to spend $300 a month at Starbucks. Thank goodness he stopped.

@tmston2

4 жыл бұрын

i used to go 2-3xs a week spending $3 and i felt guilty. just stopped about a month ago

@gr8macaw1

4 жыл бұрын

Starbucks; just like bottled water. Buy a water filter and a $20 Mr Coffee. Boy all this marketing stuff really works on people

@ronlanter6906

4 жыл бұрын

I brew "Folgers" every morning, 4 cups = 50 cents. I feel good!

America NEEDS 100 million more Dave Ramseys. ❤

You've arrived at Financial Boot Camp and here's your Drill Instructor! I love this segment.

Slap so hard my wallet felt it. Bank account nodding, debt cringing.

@MrDigztheswagking

5 жыл бұрын

Right

@normabarros3124

4 жыл бұрын

Oh yes .....that's what I'm talking

@Vera-dg3hf

4 жыл бұрын

how you doing today?

@ErrorPagenotFound-ig1cy

4 жыл бұрын

Ballsy Bunny same person, bigger debt🤷🏻‍♂️

I’m glad I learned about minimalism at my young age of 20. I have money and I intend on keeping it and multiplying it...

@chrisbellamy7145

4 жыл бұрын

You'll be happier that's for sure. Growing up me and my friends were always dirt broke, with no vision for ever being anything remotely resembling middle class, but none of us ever got credit cards or loans because we knew we knew nothing about finances, and from that perspective it was financial suicide. We still found ways to enjoy life. I worked at 7/11 and McDonald's and all the middle class people that came in all those years were just the most miserable toxic people. I could never really hate them, only pity them because of how psycho stupid they were. I only had to put up with them for 5 minutes, they had to live with themselves all day every day. My whole life I've heard how miserable the middle class are. This is Canada, I don't imagine it's much better in the US. I always looked down on the rich, I never wanted to be a millionaire. But reading between Dave's lines I understand now that middle class is not an option. When you decide you want more than to just be poor the only option is to eventually be rich. Minimalism, F. I. R. E., savings, investments, getting rich is just living poor but making informed long term decisions with money.

@ajohonly3721

3 жыл бұрын

The Captain amazing work keep it up 👌

he needs to stop being so shy and open up more 🤪

@markwhittaker6866

3 жыл бұрын

😂😂😂😂😂😂😂😂

@KC-dr3cg

3 жыл бұрын

OK rant...but not non stop yelling..just normal level for all words except for STUPID..good rant.

The folks that listen to and follow Dave's advice, will prosper. The folks who don't are on their own.

Dave is on FIRE!!

@arienfox

6 жыл бұрын

SIZZLING!!

@mathieubaker1548

6 жыл бұрын

Mellybeans0919 that was EXACTLY my thoughts!!!

@mrjuannorris_

6 жыл бұрын

Mellybeans0919 Lol

@terrencedabney843

6 жыл бұрын

Breathing Dragon Fire!

@zolekamadikane5726

5 жыл бұрын

lol😂😂

Stop yelling at me Dave, I’m on the right path now.

@aeromedical6750

6 жыл бұрын

LOLOL. Dave needs to give us all a reminder every now and then. I tune in just to keep motivated to keep doing the right thing. Nothing wrong with having his message reinforced.

@DEMediaDrive

5 жыл бұрын

Cute self

This is THE video! I've been paying off debt for a while now. I'm a fulltime student and work part time. I owe around $4,500 still only on credit cards, paid off $2400 already. My BIGGEST vice is eating out and movies. So thank you Dave for this wake up call!!!! I'm gonna watch this every week. Also reading through your book now "Complete Guide to Money"

@jmedi5589

3 жыл бұрын

MaxsMovieChannel, I wish I owed only $4,500. I owe 10x that.

@maxsmoviechannel2025

3 жыл бұрын

@@jmedi5589 One step at a time my brother! You got this!

Any time I need a pep talk I return to this vid. Stay the course.

@SuperDobieGirl

3 жыл бұрын

Just paid off my house on November 28th. Hasn't sunk in yet....

My son is 12, in 6th grade. I wasn't pleased when he told me recently that not one, but two of his teachers have already mentioned to the kids how they'll need student loans to go to college. Well, ok. Then my son told me he spoke up to one and said, "But loans are bad!" and the teacher told him 'not to say such things'. Then I was REALLY not pleased! I told my son to feel free to nicely suggest they look up DR, if the subject comes up again and he's chastised for speaking against student loans. I told him if the teacher's upset by that, they can feel free to give me a call! So sad to hear they're already pushing student loans on 6th graders. A mix of sad and proud to realize my 12 yo is smarter about this than some of his teachers when it comes to finances.

View this video on 1.5x speed. It's amazing.

@Ms-Jones

5 жыл бұрын

crhpjeff 😂

@dereklitalien5656

5 жыл бұрын

HHahahahha

@tonkaranger1091

5 жыл бұрын

Think think think

@djienem

5 жыл бұрын

🤣🤣🤣

@wickedglassbears

5 жыл бұрын

Put it on 2x and it’s ludicrous speed.

I’m from the UK and oh my God I love this guy!! I wish he’d been my maths teacher when I was at school 🙌. Dave Ramsay you’re the best 👍🏻

@SummeRain783

3 жыл бұрын

I wish he was the anthem at school

Same with "lending" to friends/family

@gabrielle2dream559

4 жыл бұрын

Yes, I'm guilty of this

@dexterwooten7839

3 жыл бұрын

Lending is the ultimate method of getting rid of someone. Don't threaten them or yell at them or break their heart. Just lend them money and watch them disappear. 👻

I have to admit. I love it when Dave starts yelling and gets all fired up. Yeah, get 'em Dave!

@RonnieHouseJr

5 жыл бұрын

Sis, this got me on my feet too 😁😁

0:52 “mastercard” who named that anyway? Lol oh Mr. Ramsey 😂

@edben24

5 жыл бұрын

It is called that because it becomes your master when you sign up

@wk3820

5 жыл бұрын

@@edben24 Yes. It's nothing if not honest in that regard.

@SPQR7117

5 жыл бұрын

I liked American -Express- *Distress* lol

@cdorsey69

4 жыл бұрын

Boringname 😂😂😂😂😂

This is the best, most truthful and funniest rant ever!

"get a degree in left handed puppetry" that was hilarious. Dave has completely changed the way I handle my money. I now have an actual budget, use the cash envelope system, $6,000 in savings. Working on my debt issue currently, but I have been headed in the right direction for 5 months now. Ill get there. Got all my credit cards canceled because I realized they are way too tempting for me, I have racked up balances, then spent 6 months paying off credit cards 4 times now. That is gone for ever. my savings account is my "credit card" now, should I ever need it.

Dave went full savage on this one. 😂

@janewilliams6885

5 жыл бұрын

Full-throttle Dave for sure!

Hi Dave I am from india i was 29 year old kid before but after listening you and following your rules i feel like I am mature enough to handle my family. I was very bad credit card user I was Always in Debt , after listing ur video i feel like how stupid i was for what I did . I haven't think about my future in my past . but u taught me how to set future goals and how to use smart money. i paid all of my debt and now I am debt free, i trash my credit card . paying cash is amazing feeling seriously it feels like I am already rich .i set my future goals thanks to you . 🙏

@craz4jaymz

5 жыл бұрын

Congrats!

@WolfGamer2468

4 жыл бұрын

Congrats man

@0s0sXD

4 жыл бұрын

Why are you being rude to yourself

@judzarintocomak9330

4 жыл бұрын

happy to hear that for you

"Jean Luc...sometimes I think the only reason I come here is to listen to these wonderful speeches of yours." - Q

Dave you are a great teacher. I am learning a lot from you. Nobody taught me this important subject when I was in school that is very sad. God bless you great job.

This video used to be called “THINK America!” I listened to it so many times, I nearly memorized it! LOVE this rant!

@ScentJunkie03

6 жыл бұрын

jmm_2104 Hey, do you still do videos or have an IG?

@borreholic7238

6 жыл бұрын

jmm_2104 Me too, my absolute favorite.

I will record the audio of this clip and set it as my alarm every morning!

@KaraMarisa

5 жыл бұрын

LOL that'd be quite the wake up call ;)

I need “stupid on steroids” as my text tone on full blast every time I get tempted to make an impulsive purchase 😅.

@zeekaywalker9232

3 жыл бұрын

Alright...if we both ever should meet each other at the place I am working at the cash register and you wanna buy something, I'll be happy to yell "Stupid on steroids" 😅

Had to watch this twice in a row. When he said “it’s STUPID”, I felt that

I absolutely LOVE these rants. I slap myself everytime I hear one.

@ajohonly3721

4 жыл бұрын

Divalive82 hahahahaha I honestly enjoyed it I love him 😂

@WolfGamer2468

4 жыл бұрын

HAHAHAHAHAAHHAHA!!!

@titiscreations9554

4 жыл бұрын

the fact that Dave liked this 🤣

@dariaharruff7025

4 жыл бұрын

I love Dave Ramsey show cuz hes so smart and he is honest

I can't think of one plan that equals or exceeds Dave's... PERIOD! I had tried for years to get out of debt and never actually did it until I read his books and applied his principals...

Dave Ramsey is amazing! Some people just need to be yelled at to wake up and start using their brains. A lot of people should listen this video every week. Thank you Dave!

I would like to download this and play it on loudspeakers while driving through town. In the lobby where I work. Restaurants. Driving slowly past car dealerships. LOL.

Haha I couldn’t help myself when he said “stupid on steroids”! We all go through financial mistakes, and it’s ok to fail. What isn’t ok is doing the same thing over and over and never changing.

Mr Ramsey, I paid $4000 for my Honda Accord in 2005. I still drive that car today. Why are you paying over $25,000 for cars? It's just a freaking car! lol.

@IceArdor

5 жыл бұрын

And if you can get a car loan at 0% or less than the inflation rate, why would you pay in cash up front if you know how to manage your money (which most people can't)

@saraashkir5793

5 жыл бұрын

IceArdor And if you cant predict the future, why would you risk financing a car that will plummet in value? If you lose your job or get an unexpected bill for something, you won’t be able to afford those payments anymore and just build up debt. Why would you wanna be paying hundreds of dollars every single month for 5 years on a car, that sounds miserable

@appleiphone69

5 жыл бұрын

I am on paper rich, 418k household income. but I don’t spend that way. I buy a moderately priced new car because I need to be at work when I need to be at work. I put 20-25% down and pay it off in 48 months. I maintain my vehicle very well and drive it for 160k miles. My goal is to have the lowest cost per mile possible. ( purchase price + insurance + gas + maintenance)/miles. I know I could afford more car if I wanted to. I get more satisfaction seeing my 401k & 529 plans grow.

@allpraisegoddessmonika2887

5 жыл бұрын

@@IceArdor because the value in that car is going to go down 50% in the first 5 years. that's way more than 0%.

@aisharenee1653

5 жыл бұрын

Mystery Buyer everyones financial situation is different and their mentality

I just paid off my 20K in credits card debt! Never again will I go that way. Thanks Dave for your rants!

Just started listening to Dave to get debt free. He knows what he’s talking about and knows everyone of my financial mistakes!

I felt like Dave’s slapped me in the face after every sentence.

@Erlande92

6 жыл бұрын

D Lima can you hear me now!

@pressilz3184

6 жыл бұрын

😂

@truckdriver3737

6 жыл бұрын

D Lima it's good for you LoL

@vanakaanhmoob8151

4 жыл бұрын

LOL

@ryanweston9677

4 жыл бұрын

“Thank you sir, may I have another?”

The aggression in his tone is wild 🤣😂 am scared to spend my money now. “This is stupid.” 😂🤯 THINK THINK. Stupid on steroids!

Dave's best rant yet! A classic! You love to see it!

I have been coming back to this video for years. What an incredible rant. Every time I think I need the latest and greatest toy I watch this and it totally changes my outlook.

"$499 is suspiciously like $500" - LOL!!

I love it when Dave gets angry! I feel like someone needs yell at me every once in a while.

I love you Dave. You speak to my soul when you talk finances! We need your curriculum in our schools.

Every time I watch this program, I said to myself we've been fooled about being in debt. Thanks, Dave for being truthful.

Ok I’m going to go head and get out of debt so Dave doesn’t have a heart attack. Lol.

I love when Dave gets fired up!! 😂😂😂😂😂😂🙌🏻🙌🏻

Getting rid of all the credit cards was the best thing I've ever done!!!! It took a while, but soooooo worth it!!

How dare he bring Skittles into this.

@anthonyfarandatos7839

3 жыл бұрын

Maybe he just doesn’t like skittles 😂😂😂

@user-np6tf8zx1u

3 жыл бұрын

haha maybe he doesnt like they arent kosher

@barbieblue3336

3 жыл бұрын

And oprah

@markvaio5201

2 жыл бұрын

I just bought a big container of Skittles at BJ's. Now I can't eat it! 😂😂😂😂.