Nix the guesswork and scrolling. We’ll connect you with investment pros we trust: bit.ly/3hc6Pgt

@julesj5853

2 ай бұрын

I used to do some thing before I knew Ramsay existed and it worked great but since I got married we don't agree on anything financially and we make just enough money to live minimal and when I say minimal, I mean basic necessities and we never have enough to save and when we do have surplus the cost of living always goes up and we're back at square one, it drives me nuts but my husband doesn't care either way. I am 45 and I have been taking care of my grandparents and the reality of getting old is hitting me hard and I very much desire to make savings and retirement a priority because we're not getting any younger and long term care is expensive!

I just turned 41 and awfully late to investing with barely any portfolio except my 401k, I have a decent amount of cash saved up and with inflation currently soaring AGAIN, I’m getting worried about retirement, my intention is to retire at 65 atleast, so how best do I maximize my savings of over $500k

@PotBellyPete69

Ай бұрын

It may be a good idea to speak with a financial advisor who can help you develop a portfolio based on your individual goals and risk tolerance.

@AddilynTuffin

Ай бұрын

Partnering with a financial advisor has transformed my approach to investing. Their expertise and personalized guidance have not only helped me navigate complex financial markets but also optimized my portfolio to achieve my long-term goals efficiently.

@DanielPanuzi

Ай бұрын

Your advisor seems competent. Could you share how I can reach out to them? I've recently sold some property and am interested in investing in stocks, and I'm seeking guidance.

@AddilynTuffin

Ай бұрын

*Jennifer Leigh Hickman* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

@FeelMyTruth

Ай бұрын

Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info

As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

@romeoLucia189

15 күн 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.

@Janiquejay

15 күн бұрын

Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.

You work for a 40yrs to have $1m in your retirement, meanwhile some people are putting just $10k in a bitcion coin for just fe months and now they are multimillionaires thanks to Charlotte Grace Miller

@caryn-o3e

2 күн бұрын

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

@vietjhon

2 күн бұрын

I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.

@GertonTootle

2 күн бұрын

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

@mikesnoek

2 күн бұрын

I'm new at this, please how can I reach her?

@salinagauntlett

2 күн бұрын

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

1. $1000 emergency fund 2. Get out of debt (except mortgage) 3. Save 3 - 6 months of expenses fully funded emergency fund 4. Invest 15% (start Roth, then IRA, then 401K, ) 5. Save for children’s college funds 6. Pay off mortgage (should take 5-8 years) 7. Build wealth & Give Outrageously

@tabithah8448

9 ай бұрын

Thank you!

@grop66

9 ай бұрын

Thanks for the time stamps 👍🏻💫

@nakho3550

9 ай бұрын

Start with 401K match first.

@pabloalvigini9823

9 ай бұрын

I live in Argentina. To be in debt here is very rare, so I find these videos quite interesting. This is how it would result the baby steps in here: 1. Done. We live under emergency 2. Done. Interest rates are so high that only a lunatic would take a loan. 3. Done. Here is like living a pandemic every 4 years. 4. We have public retirement. But better to make investments,. this is THE challenge here. 5. Done. College is free here. 6. Nobody access to home loans. Unfortunately, Not an issue. 7. Wealth here is called “BBQ with family and friends”

@RoddieSimmons

8 ай бұрын

@@pabloalvigini9823 I agree I live in Brazil (American) and it is the same here. There is no debt, loans etc. Everything my family does is through cash. My Brazilian wife built a senior retirement complex for my 96 year old Brazilian 2nd. mother and her mentally challenged uncle. Thinking ahead We also have a third house for our live-in caretaker and her family. When my wife and I (50's, 60's) get older we already have our (All one floor, no falling down the steps) retirement home set up. 😎

Today I paid off my house mortgage. I am officially debt free and on baby step 7! I am just ready to save/invest, enjoy and give. So excited about it. Thank you Dave for your teachings, so grateful. God bless you 🙏👍 BTW I am 45 years old! 🤩 and do not live in America 🇺🇸 but in a third world country 🇭🇳 😁 if I did it then we all can do it 💪

@anthonyfonseca2417

2 жыл бұрын

Can you share your story? 😊

@Ammar23217

2 жыл бұрын

@@walkidiafuentes7021 wow. you are 45 are free.

@walkidiafuentes7021

2 жыл бұрын

@@Ammar23217 yes I am 45 and free! How about you?

@Ammar23217

2 жыл бұрын

@@walkidiafuentes7021 dont have debt but dont have home either. But have some savings and investments in funds/stocks.

@MgGlobal

2 жыл бұрын

You are never debt free. Now you have to pay property tax for the rest of your life and utilities and food etc. You will never be deft free in America 🇺🇸

As of today I have my 1000$ savings 🥳🥳🥳🥳🥳🥳🥳🥳🥳🥳

@Rico401Prov

Жыл бұрын

Get it, girl 💪💯

@cameronspeed9052

Жыл бұрын

How’s it going now? 😮

@biblelovingirl

Жыл бұрын

Way to go!!!

@Christian-Dario

Жыл бұрын

Let's gooooo

@Qurbajoog

Жыл бұрын

You go girl 👏🏾

I've been diligently working, saving, and investing towards financial freedom and early retirement. However, the economy's downturn since the pandemic has significantly eroded my portfolio. My question now is: Should I continue contributing to my portfolio in these unstable markets, or should I explore alternative sectors??

@chriswalter92

Ай бұрын

I'll tell you that it's practically hard to rebuild your retirement on your own, without a partner's assistance. Not even NewRetirement and associates can match the skills, experience, and broad clientele of a professional financial advisor. Assess and select one, and then use a financial advisor to help you allocate your funds.

@tahirisaid2693

Ай бұрын

As a contractor, my job leaves me little time to thoroughly analyze my investments or evaluate stocks myself. Therefore, for the past seven years, I've entrusted a fiduciary to actively manage and adjust my portfolio to align with current market conditions. This approach has helped me navigate the ups and downs, knowing when to buy and sell. Perhaps you should consider a similar strategy..

@Williamesq12327

Ай бұрын

Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch if you don't mind

@tahirisaid2693

Ай бұрын

Angela Lynn Schilling is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

@Williamesq12327

Ай бұрын

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

The financial manager projects how much money the company or an individual will need in order to maintain positive cash flow, allocate funds to grow or add new products or services and cope with unexpected events, and shares that information with business colleagues.

@theresaquiera7412

2 ай бұрын

The also allocates the company’s available funds to meet costs, such as mortgages or rents, salaries, raw materials, employee T&E and other obligations.

@EricBrittonSilvado

2 ай бұрын

Ideally there will be some left to put aside for emergencies and to fund new business opportunities.

@durhammiller8817

2 ай бұрын

Timothy Eric Meek always emphasis that finance teams must track current cash flow, estimate future cash needs and be prepared to free up working capital as needed.

@princeholgate9325

2 ай бұрын

He is a genius

@rosannaconstil571

2 ай бұрын

Looking at it from Timothy Eric Meek perspective, a financial manager’s activities, revolve around planning and forecasting and controlling expenditures.

To the skeptics, the baby steps work. I have gone from a negative net worth to 330 grand in about nine years. This includes marriage, buying a house and a van, completely paying all consumer debt and having four kids, and only 35 K left on the mortgage. I make a modest salary, less than 80 K a year. Dave's baby steps work.

@kwabsforchrist

2 жыл бұрын

Which state are you in?

@ryankiel4895

2 жыл бұрын

Fort Wayne, Indiana. It's very affordable here which really helps.

@jocelynford4209

2 жыл бұрын

This is amazing & inspirational!! Good for you! 👏🏾

@ryankiel4895

2 жыл бұрын

@@jocelynford4209 Thank you very much. I really appreciate it.

@jocelynford4209

2 жыл бұрын

@@ryankiel4895 Aw definitely, you are so welcome Ryan!

I never get tired of listening to the baby steps.

@wt9653

2 жыл бұрын

Baby steps to nowhere for most people.

@timandnatd

2 жыл бұрын

You don't need to listen to them when your done them.

@lorarooks5515

2 жыл бұрын

Right!

@LubosMudrak

2 жыл бұрын

I hate how much my autocorrect is fighting me when i use english language, sorry.

@andyhanson2623

Жыл бұрын

Right, literally 19th time seeing it but never in the same video 🤣

I was never taught personal finance growing up. I was told to go to college no matter what and take out loans. Luckily, I graduated and by following these steps I'm debt free, have an emergency funds, and mutual stonks earning me passive income. I'm still in my 20s. Thanks Dave, this should be mandatory class at every high school in America.

@bettermebetterlife8975

2 жыл бұрын

This isn't only applicable to USA.

@betc293

2 жыл бұрын

@@bettermebetterlife8975 That may be the case but there is so many issues and not enough info in the US. 🤷🏽‍♀️🤷🏽‍♀️ So people have to go out and find other info to grapple on.

@andymcall1986

2 жыл бұрын

Grats on your money management to date, and them stonks. 🤣

@rschmidt9495

2 жыл бұрын

High school aka Indoctrination Camp

@elvinaguero4651

2 жыл бұрын

this should be law.

I'm 35, no house, wife and kids with 15k in debt. At the end of the end of the year I will be debt free. Dave has changed my life for the better

@TheBigblumonkey

Жыл бұрын

@@mariusjacobs83 No I will be finished earlier since I increased my pay. Added an extra $400 a week! Good luck to you

@ShankAMuffin

Жыл бұрын

@@TheBigblumonkey How's the progress coming along my guy?

@TheBigblumonkey

Жыл бұрын

@@ShankAMuffin Great! Debt free in December. How about you?

@ShankAMuffin

Жыл бұрын

@@TheBigblumonkey Since December 2021. You're gonna make it my guy

@TheBigblumonkey

Жыл бұрын

@@ShankAMuffin Congrats on being debt free. Nice screen name btw

I want to invest roughly $70,000 in stocks since I've heard that even in challenging times, investors may turn a profit. Any excellent ideas for stock?

@RhondaLawson014

3 ай бұрын

It's crucial to have a well thought-out strategy and not make impulsive moved based on short-term market fluctuations. Patience and a long-term perspective are keys. you should consider a market expert to guide you

@hillaryrowland1

3 ай бұрын

That's the more reason I prefer my day to day investment decisions being guided by an advisor seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2 years+

@AngelaHunt290

3 ай бұрын

One of my goals is to employ the service of one this year. I've seen some off LinkedIn but wasn't able to get a response. Could you recommend who it is you work with?

@hillaryrowland1

3 ай бұрын

Timothy Eric Meek is licensed fiduciary I use, just research the name you will fine necessary details to work with a correspondence to set-up an appointment

@MikeHoward354

3 ай бұрын

Important of investing cannot be overemphasized, that's the only way to gain financial freedom

Proud to announce that as of yesterday IM DEBT FREEE! This channel over these past two years has been such an inspiration and a rock steady lighthouse through so many storms, i just wanted to say thank you to the Dave Ramsey team and community for all the wisdom advice and support everyone has shown in helping people build better lives. Y'all are the best.

@bbbbb7813

Жыл бұрын

So proud of you!

@deborahblackvideoediting8697

Жыл бұрын

Congratulations! That's huge!!! 🥳

@zachaugustine893

Жыл бұрын

Good job!

@serenity6506

10 ай бұрын

YAYYYY

@Bloodfang152

10 ай бұрын

Congratulations! Hows it going?

Overall, 51% of traders think this year would favor stocks, mutual funds, and other equity-based investments, despite Treasury yields and other safer cash-like investments paying big. I’m looking for opportunities in the market that could fetch me $1m ahead of retirement by 2025

@lucaswilliams9992

Ай бұрын

the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.

@yeslahykcim

Ай бұрын

Even with the right strategies and appropriate assets, investment returns can differ among investors. Recognizing the vital role of experience in investment success is crucial. Personally, I understood this significance and sought guidance from a market analyst, significantly growing my account to nearly a million. Strategically withdrawing profits just before the market correction, I'm now seizing buying opportunities once again.

@Jadechurch-ql3do

Ай бұрын

Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

@yeslahykcim

Ай бұрын

Laila artine kassardjian' is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

@BrettaANordsiek

Ай бұрын

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

i am 14, i have almost $300 saved, but i have zero income and i don't live in a populated area where i can do side hustles, so until i get my licence to drive and work i'll be educating myself about how to handle money.

@YouareAToy582

9 ай бұрын

Good job buddy

@YTOakansheildGaming

4 ай бұрын

Good job. I'm only 21 and have had a job since I turned 15. Once I found out about investing around 18/19 (which I enjoyed doing) I invested much of my paycheck into it.

@YTOakansheildGaming

4 ай бұрын

Once you do get a job, set up automatic payments towards investment accounts and retirement accounts. That way the money goes straight to those without you having to think much about it.

@ryantaylor4308

3 ай бұрын

Fix cars, cut grass, build custom pc's, woodworking and repairs. Pick any and you can make money that comes to you. Just put your name out in local fb pages, local paper, sem seo clicks. Let the work come to you. You got this!

@oldsoul9761

3 ай бұрын

Wow that's amazing!!

These exact steps helped me turn my life around. From 70k in debt to getting debt free and having just some kind ofemergency fund. Theres more than one way to skin a cat but Dave’s methods are proven. Guy changed my life financially. Forever grateful

@riblez561

2 жыл бұрын

Well done proud of you 🙏🏽

@LBmustwin12

2 жыл бұрын

@@riblez561 thanks! wasn't easy but well worth it!

@TRUYORK718

2 жыл бұрын

Cap

@charitymbai1040

2 жыл бұрын

q

@malts100

2 жыл бұрын

Well done brother

“Sell so much stuff, your kids think they’re next” 😂

@BlueDauntless

2 ай бұрын

One of my favorite lines.

@RogerWellington-zp1nz

Ай бұрын

😂😂

One week away from debt free. Here to remind myself the next step. Love you Dave.

@karenbonham1359

2 жыл бұрын

Way to go!

@alexanderyozzo

2 жыл бұрын

Thank you. I made it, IM DEBT FREEEEE!!!!!!

@sleepypanda8578

2 жыл бұрын

@@alexanderyozzo Congratulations! I'm 1 month away and can't wait. Well done :)

@alexanderyozzo

2 жыл бұрын

Back again to check on next step. Full emergency fund in progress.

@sleepypanda8578

2 жыл бұрын

@@alexanderyozzo same here :)

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.

@user-um8pz5fl5c

Ай бұрын

After I raised up to 125k trading with her I bought a new House and a car here in the states also paid for my son's surgery Glory to God shalom.

@MaiDaniella-mr2gq

Ай бұрын

The very first time we tried, we invested $1000 and after a week, we received $7500. That really helped us a lot to pay up our bills.

@stephaniebeddis8069

Ай бұрын

she's mostly on Instagrams, using the user name

@stephaniebeddis8069

Ай бұрын

FXMILLER18 💯.. that's it

@ValentinAntonio-wo3vb

Ай бұрын

Greetings, I’ve seen positive reviews of this woman Charlotte Miller for about the fourth time now, I think I’ll have to give it a try.

I agree that money saved cannot grow much except invested. As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have about $700k amount of capital to start up but I have no idea what strategies and direction I need to approach to help me make decent returns

@stephenpotter21

8 ай бұрын

It's really not as difficult as many people presume it to be. It requires a certain level of diligence, which is something ordinary investors lack, and so a financial advisor often comes in very handy.

@ericmendels

8 ай бұрын

People underestimate how much they can make from the stock market. I started with $127k just before the pandemic hit. Many people's portfolios tanked, but I rode through with my financial advisor, and even made more than $86k within just five months of starting, and it's been an awesome ride since then.

@cloudyblaze7916

8 ай бұрын

Can I ask who your wealth manager is? I really could use some help from you. My portfolio is doing very poorly.

@ericmendels

8 ай бұрын

Do your due diligence and opt for one that has tactics to help your portfolio continue consistent and steady growth. *Sharon Louise Count* is accountable for the success of my portfolio, and I believe she has the qualifications and expertise to accomplish your objectives.

@legacymedia8468

8 ай бұрын

Thank you for this. I just sent her an email, and I hope she gets back to me soon.

"Put the kids on Craigslist" 🤣 That one got me. Thank you Dave Ramsey & team for all you do!

@anonimuspozr7467

4 ай бұрын

Puttin the kids on Craigs List was great!

@TstarHey-yx2li

4 ай бұрын

That wasn't funny.

Dave's steps have really helped me and my family. Thank God I ran into his videos online. He is the tough love and common sense that a lot of us need. Thank you Mr. Ramsey

These really work. I think for anyone looking for a way to start their personal finance journey, this is the way to go

@roberthuster1503

2 жыл бұрын

Amen. Having a plan is a start having a good plan is progress having this is plan is how you change your family tree. I'm debt (besides my house which will be dealt with) free making below the national average income and my kids have been involved in every step.

@glowiever

2 жыл бұрын

shared this to my (struggling) sister

@msfitbrown48

2 жыл бұрын

Thank you, I just started🎯

@saintriley

2 жыл бұрын

@@glowiever I need to do the same 😂

I love not having any payments but my house. My step father died and with my emergency fund I was able to take care of the funeral costs without stressing my mum out, It's powerful living out these steps!

I took out student loans to live off of. As a Single teen mom I needed it to eat. Thank God I finally got them paid. Wish I knew about Dave 10 years ago!

@anonimuspozr7467

4 ай бұрын

I think you’d agree…It’s NEVER TOO LATE Elizabeth! Keep it up!

The baby steps and the envelope system Dave teaches changed everything for me. I will always have respect for this man.

@misslanapaulford

Жыл бұрын

@@shahilanathan8067 Google it. There maybe different versions.

Dave found himself a great co-host. Good job George.

@Jessica-tj6ug

2 жыл бұрын

I like him the best too!

@KC-kg3ld

2 жыл бұрын

Dave’s yes man. Haha

@melaninananique2563

2 жыл бұрын

I agree!

It’s not simple. You have to make permanent changes in your lifestyle. Most people are too immature to succeed at this program. For those of us who can exhibit self control will find the program life changing.

@DavidEVogel

2 жыл бұрын

Agree. Managing money is about behavior not arithmetic. One get accustomed to a certain money behavior, and it becomes "comfortable." Altering that behavior is "uncomfortable." Its not easy.

@xxpowwowbluexx

2 жыл бұрын

It is very simple, just not easy.

@danbobway5656

2 жыл бұрын

@@DavidEVogel yup its basically like my 600lb life but instead of food and being fatally obese it's spending money and being broke and in debt

@oldsoul9761

3 ай бұрын

It is simple. Maybe not easy but definitely simple.

@user-dv8bs7tb5c

2 ай бұрын

Yes.

Always nice to hear these steps again. THEY WORK. THEY WORK. THEY WORK!!!!

@webfreakz

2 жыл бұрын

Yeah shocking. Not spending money on stupid things and living within your means delivers a good financial path. Who would've guessed.

@MichaelAnderson-wk1no

2 жыл бұрын

@@webfreakz So you've never made any money mistakes in your life and you've had it all figured out since day one? I guess that's why you're here watching Dave Ramsey videos, huh? Lol

@aaront936

2 жыл бұрын

They may work but this is by far the worst way to build wealth.

@webfreakz

2 жыл бұрын

@@aaront936 by far the worst? yeah right

@aaront936

2 жыл бұрын

@@webfreakz yes the worst way. It's the worst way to pay off debt, plus the worst investment advice imaginable.

I took the course about 15 years ago. I had debt, no car, no emergency fund and bad credit. Baby steps. I followed it. Worked three jobs. Cut expenses. Today, I have 6 months emergency fund. No debt. Car paid for. 800+ credit rating. If you work it, it works.

I'm 34, have all my debts paid off besides my mortgage. I dont have kids, never married. Been paying extra each month hoping to have my mortgage paid off by the time I'm 39.

@regularity2556

2 жыл бұрын

Hi Santa😉

@elvinaguero4651

2 жыл бұрын

good for you.

@Nolaman70

2 жыл бұрын

Then get some investment properties.

Learning how to be debt free is awesome because you really avoid the debts more as you move on because you know how much harder it is to get out of debt than it is to get in

I watch this at least once a week. Working on baby step one still, but this helps keep me motivated.

@PripyatPlayground

Жыл бұрын

2:49 👈 How are you doing now?

@deborahblackvideoediting8697

Жыл бұрын

Hope it's going well!

@lisabassett-vp2wx

Жыл бұрын

Brittney, you can do this. Eliminate unnecessary expenses no dyeing hair, no manicure or pedicures, no vaping or drinking alcohol, other than Frig and stove unplug everything in house unless you need to use item at that moment afterwards unplug it it will lower your utility bill

@anonimuspozr7467

4 ай бұрын

Keep it up! And keep on after Step 1!

I paid off $24k of debt in under a year. The baby steps work.

@goodnesssotunde4330

Ай бұрын

Hi, please which work did you do. I'm currently unemployed and I don't mind doing anything.

@rm2kmidi

Ай бұрын

@@goodnesssotunde4330 I'm a meatcutter. So like solid middle class income, but not gonna make me rich. Part of my success was that I was living with three roommates at the time, so after I paid off my car, I had very little in the way of expenses.

My student loans are PAID IN FULL ! So proud of myself

@itsallperfectlynormal9805

Ай бұрын

I'm proud of you, too! I'm being a gazelle on those bad boys 😊

After I pay off my debt, I want to go into the stock market immediately. I read about someone someone who started with just $89k and made over $500k within about six months. I started investing recently myself, but I've lost a lot of money. How exactly do people make so much money in the stock market?

@stephenpotter21

8 ай бұрын

It's really not as difficult as many people presume it to be. It requires a certain level of diligence, which is something ordinary investors lack, and so a financial advisor often comes in very handy.

@cloudyblaze7916

8 ай бұрын

People underestimate how much they can make from the stock market. I started with $127k just before the pandemic hit. Many people's portfolios tanked, but I rode through with my financial advisor, and even made more than $86k within just five months of starting, and it's been an awesome ride since then.

@legacymedia8468

8 ай бұрын

This sounds great. Is there a way I could connect with your advisor or any other whom you think is very good? I'll appreciate.

@cloudyblaze7916

8 ай бұрын

The advisor I'm in touch with is *Sharon Louise Count.* There are other good FAs online too, if you look around.

@ericmendels

8 ай бұрын

Thank you for this. I just looked her up now and I sent her an email. I hope she gets back to me soon.

Long time follower of Dave. Went to share this plan with a newbie and I found myself watching the whole thing over again. Really moved me

Dave helped me change my thinking, financial actions and life, in general. Thank you, Dave.

Live no one else now so you can live like no one else later. Delaying pleasure is what adults do while kids spend all their money. Good luck all you future millionaires!

@AnimatedIdiotGuide

2 ай бұрын

Living in a cave collecting lint sounds far more appealing than splurging on garbage just because I have an excess

I have decided to start my baby steps this week! March 2022!

@thecrew8612

8 ай бұрын

Its been more than a year, any progress?

Thank you Dave for sharing this episode❤️ I am so grateful that my father brought me up debts free🙏

Life changing advice, this video should have seven billion views. Everyone in this earth should listen to it…

I replay this every week to center myself. It helps so much, just have to stay the path y'all!

@laqueciawilson6381

11 ай бұрын

Good idea

Dave is the best voice of financial reason w gratitude n humility .I've learned so much and his Advisor Pros are amazing,talked w one this morning thanks Dave 😊

I watch this every morning. Gotta start the day on the right tone

Just found dave and the baby steps, 37 with no prior guidance or even understanding. 2 children. This is where it begins for me, lets do this.

This plan works. I went from financially disorganized to debt free besides my house and building wealth. All problems don't go away but not having to worry about finances let's you think long term.

the most beautiful thing about the Dave Ramsay organisation is that they never left the very real story of going through the crushing pain of debt but turned it into the foundation of purpose. It constantly inspires me to hear where he came from from the perspective of where he is now and it gives me encouragement and hope.

Always good listening to Dave Ramsey! It works.

Baby steps changed my life. I'm so grateful.

Dave’s advice and principles has helped me greatly and although every day may be a struggle at times, I know it’s worth it! Thank you and good luck to anyone who reads this!

@kimberlyturner820

Жыл бұрын

Just paid off my student loan debt!!! You can do whatever you set your mind to.

Great advice. I have never felt right when I was in debt. I don't think that anyone can actually live without stress if they are in debt. Its constantly in the back of your mind and it's the opposite when you have enough savings for half a year and a stable source of income.

I am now in baby step 7 and I am about to pay my mortgage off in less than 7 yrs. I stared these Baby Steps in 2019 after a friend told me about it! After less than 5 years manage to stabilise our financial life. Rise an beans? Are you kidding me? Been there done that! My kids love rise and beans and cheap 3days old chicken soup! It is worth it. It is worth fighting 💪

Going into Baby Step 4/5/6!!! So grateful and happy at this moment!!

Love love this guy. Such a blessing. Thank you for video.

Should be done paying off all of my consumer debt by December of $17k Then all I have is my mortgage. Yes we sold out financed car and turned in our lease! Swallowed my pride and drive. 95 Toyota Corolla It’s sucks but I think this might work

@aaront936

2 жыл бұрын

Look up compounding interest and invest instead of paying off low interest mortgage debt. Dave's babysteps will cost you hundreds of thousands in lost returns.

@shawnainthekitchen8011

2 жыл бұрын

You have 200 million reasons to listen to NO ONE ELSE BUT DAVE RAMSEY. That's his net worth. I guarantee no one else on this thread is worth even close to that. Ask Aaron how many books he's sold!

@spconrad9612

2 жыл бұрын

Hey Aaron, why not pay off debt and invest like you are saying w no debt? Why make someone else rich off of foolish interest payments? That doesn't even make sense.

@lovely-ki6fq

2 жыл бұрын

What are the steps

@BlueDauntless

2 ай бұрын

@@spconrad9612I don’t understand this. Who cares if the interest is low. Once it’s gone, it’s gone! How much does having a paid for mortgage free up money?

I was doing this without knowing, i hate debt, including my mortgage and will hopefully be finished with it by next April 🙏. It has been gruelling and tiresome but i will make it! Good luck everyone.

The media is currently barraged with a lot of economic data right now. It takes a lot to see beyond the whole ocean of news on focus on what is important, which is that no matter how low stocks go, they always bounce back. I really ignore all the news and keep investing. I recently allocated about $121k to put in the market as we anticipate a crash. Any recommendations?

@sherryie2

Жыл бұрын

We underestimate the fact that banks are corporate entities also governed by greed. Since 2020, the banks have been over-leveraging their assets, which was one of the reasons for SVB's implosion. I have never been okay with keeping much money in the bank. I simply invest through my financial advisor, collect my profits, which I then spend.

@AUstinnesc

Жыл бұрын

@@sherryie2 here are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.

@Harperrr.99

Жыл бұрын

@@AUstinnesc I've been in touch with a financial analyst ever since I started my business. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit

@corrySledd

Жыл бұрын

@@Harperrr.99 we’re only just an information away from amassing wealth, I know a lot of folks that made fortunes from the Dotcom crash as well as the 08’ crash and I’ve been looking into similar opportunities in this present market, could this coach that guides yo help?

@Harperrr.99

Жыл бұрын

@@corrySledd My advisor is NICOLE DESIREE SIMON , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market

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.

@jordanmorris9663

2 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🙏

@andycole258

2 ай бұрын

It's a miracle and I would testify, $110,000 every 4 weeks! I now have a big mansion and can now afford anything and also support God's work and the church.

@rosiejones2079

2 ай бұрын

I have made more than 90K USD God bless Lucy Mary Liam God bless United Kingdom 🇬🇧

@kenrobin8736

2 ай бұрын

Thanks for continuing updates I'd rather trade the stock market as it's more profitable. I make an average of $34,500 per week even though I barely trade myself

@johncuevas4415

2 ай бұрын

Thank you Lucy Mary Liam $45,000 weekly Profit regardless of how bad it gets on the economy.

I have a job interview today wish me luck! Getting a higher paying job is my first goal towards becoming debt free!

@BlueDauntless

2 ай бұрын

Hopefully it went well for you!

Thanks to baby steps, I was able to help finance a family member's burial. Years ago, I would not have been able to do this. Emergency fund is vital people.

The baby steps have turned my life around. Thank you Dave!

@marinogod84

2 жыл бұрын

Lol

@rob_8276

2 жыл бұрын

@@marinogod84 tell us you’re broke without telling us you’re broke 🤣🤣

thank you for saying that about student debt! such a scandal!

Ok Dave was in a good mood today. Great summary.

@teresa4565

2 жыл бұрын

lots of sniffin' tho

A sincere thank you Dave

So good to see George!!!

Living on less than you make is key. Having 6mths to a year in reserve has saved my life on more than one occasion. There have been five corporate restructures in my career where I have been cut. I have been fortunate that I found employment within 90 days of each layoff. Having six months to a year in reserve made the job hunt much easier. Did not have to take the first thing that came along. Also, I remember having home repairs from $4k to $10k occur. Having the money on hand means I did not go into debt. Even though I am still making a mortgage payment, I have $750k in equity and pay an extra $1k in principal each month. My cash reserves far exceed my mortgage balance, but I plan to sell soon and move to a much smaller place - and of course pay cash. I love Dave's comment about folks thinking you are obsessive - I live by the budget.

@nunyabidnes6010

2 жыл бұрын

Why would you buy a home with cash when you can get a 3% interest rate on a 30 year mortgage and invest the cash instead? Make it make sense.

@aolvaar8792

2 жыл бұрын

@@nunyabidnes6010 Cause you don't need a pile of money, you have a Pension

@situated4

2 жыл бұрын

Good, thoughtful comment.

My wife got me into watching dave we are from uk and now debt free and going good thank you dave

My big brother (bless his ❤)put himself through college working multiple jobs and then he would come home to the farm every summer to help us. He just retired from the federal milk marketing bureau. I'm so glad he has a beautiful home, lakehouse, and family to enjoy.

You are the only person I really trust with money advice Dave! Thank you!

@aaront936

2 жыл бұрын

He's selling an outdated product that will cost people hundreds of thousands in lost returns

@evandavis2362

2 жыл бұрын

@@aaront936 yea I’m not going to be debt free. I think good debt makes you money but he’s still my main influence for money

@xxpowwowbluexx

2 жыл бұрын

Uh huh… And literally millions of people have paid off their debts and become millionaires following Dave’s plan-because it actually works.

@TRUYORK718

2 жыл бұрын

Trust ME!

Dave Ramsey has changed my life... before I had no guidance and no hope for the future but now I can finally see a happy life.

Being 26 years old, married, and debt free (we rent and don't have any car payments) inspires me to go crazy on saving and investing, even at the start of my career. I ran into this channel as I've been trying to overcome bad spending habits and building wealth is a concept that stirs me more than any amount of spending can. Thanks for these baby steps dave!

I have been watching these videos and I am extremely motivated to start my journey for financial freedom 😎

Today I now have saved up £3200 at 15 🎉🎉

@mmd2035

7 күн бұрын

WHat are your plans with the money?

Thanks for your advise. Now putting it into practice ...

This is the cliff notes version of the book, great stuff

Freaking awesome this is the guide I’ve been looking for!!!!!! Awesome!!!!!!!!!!!

Love the kids on Craigslist part haha 💯😂

I love getting a morning dose of Dave Ramsey teaching on my way to work! On baby step 4,5 and wish I heard about Dave’s teaching sooner!

I love your show, it keeps me honest.

Great breakdown reminder 🙏🏿👊🏿

Started our emergency fund then it got wiped out by new tires…. 😑😑😑 but it was amazing not getting tied up.

@dericanslum1696

Жыл бұрын

...literally what it's there for...

@chrisgreene123

Жыл бұрын

It was so awesome! Haha no stress

Thank you for laying this out wih time frames..its tells my brain you didnt get here overnight, and i will not get out overnight

I came here coz i thought i had a problem turn out I’m fine. Apparently i’m on step 7 and i shouldn’t be complaining. Thank you 🙏🏼 wish everyone the best

A key to life, control your mind. Control your thoughts. Control your emotions. 😁

@Nolaman70

2 жыл бұрын

Control your wife.

I feel like no matter what I do, I’m always behind. I finally got a new job, I’m so excited! $42,000 isn’t a lot, but when I look at what I’ve made in the past, it’s a big step for me! I’m excited to get started on saving more and finally getting out of debt. I’ve lived with my bad financial decision for a long time, and I’m paying the consequences. I know I’ll get there some day, it’s just taking time. This job will really help me.

@helenjordan9669

9 ай бұрын

Hang in there, it will get better

I just discovered Davey Ramsey. I did baby steps by my own on my early 20s without knowing. This definitely works. Now I am richer than I could have never imagined.

Thanks for this Dave, financial freedom means debt-free! As to kids' college educ, there's the best public State U's we availed of for almost free, plus scholarships are bonuses.

Almost 19 and have 10,000 in savings, no debt, college is payed for, car is payed for. Plan on moving into my own place soon.

After listening to this I made some immediate changes to my retirement and 529 contributions

My next step is to pay off the mortgage early, but i feel it is hard to stick to the course and stay motivated when it seems so far away

You get paralysis of the analysis! So true 😂.

This is the best video regarding finance. GOOD JOB ❤

Thank you, Dave......you've helped me so much!

I’m on baby step 3 right now 🎉🎉🥳 debt free but the house. I keep coming back to this video for motivation, and it works. I recommend it

This method should be taught in personal finance class in high school...a mandatory class.

Reading books has really skyrocket the way I think about investing. Indeed, no one has ever got rich by saving money. If you want to become financially free, You need to Invest. I've come to realize that the key to amassing wealth lies in making sound investments.

@tahirisaid2693

6 ай бұрын

Whichever firm you select, make sure you get your insurance from a reputable financial adviser, such as *Jenny Pamogas Canaya,* who has dedicated her career to financial planning. Because they will assist you in escalating, navigating better, and completing the task in a safer manner.||

@chriswalter92

6 ай бұрын

"It's quite a surprise that you're acquainted with her as well. I've had the privilege of gaining significant profits while learning and investing under her guidance for the past few months. JENNY PAMOGAS CANAYA truly stands out as one of the most exceptional mentors and traders I've had the pleasure of collaborating with in recent years. Her expertise in navigating various market situations is truly remarkable."

I've been working on baby steps with my husband for a few years. Not with extreme intensity but definitely with focus. We are now debt free other than our mortgage and are about to build our full emergency savings (aiming for $20k)!!! It feels amazing to have thousands of extra each month after our debt snowball paid off everything. And we are now at a point of having so much overflow and excess every month, we aren't sure what to do next. Then I remembered the baby steps and found this video which clearly lays out our next steps. Thank you for giving us some guidance and proven methods to get out of debt and build true, lasting wealth! I'm mind-bogled that we are at this point and I am extremely excited to continue to move thru the next steps to reach millionaire status in 5-10 years! 🎉❤😊