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

@mollyEmiliano

24 күн бұрын

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

@romeoLucia189

24 күн бұрын

Yes. It is very easy to buy in on trending stocks but the problem is knowing when to sell or hold, which is why a coach is important. I've been in touch with one for about a year now and although I was initially skeptical about it, I will say I've made more progress within a year generating 6figure profit

@StuDiego613

24 күн бұрын

Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?

@romeoLucia189

24 күн бұрын

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

@Leonardogreta

24 күн бұрын

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

I'm a first responder, so I have a modest income. I'm almost a millionaire (also no debt for years & paid off mortgage). Average people can definitely do it.

@bonniejohoffman8671

2 жыл бұрын

Congratulations Scott!!! Way to go and you are 100% correct!

@alexarriaza7921

2 жыл бұрын

how did you got a mortgage? did you had credit cards before ?

@elsaromero4743

2 жыл бұрын

Amazing job! Keep up the good work 🙂. And thank you for your service.

@ericmanso7355

Жыл бұрын

Wait so you're like a paramedic wow

@watchman9198

Жыл бұрын

How old are you Scott?

My grandfather was a janitor and retired a millionaire. Being smart with your money is key!

The S&P 500 moved 8.9% higher last Month, achieving one of its best monthly performances in history.. which is an indicator for profits to continue to improve. I just want my money to keep outgrowing the inflation rate. I'm still looking for companies to make additions to my $500K portfolio, to boost performance. Here for ideas...

@AlvarezDanuta

Ай бұрын

Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.

@RomeroCarmen-4

Ай бұрын

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

@EsmeraldaEsmeralda-w

Ай бұрын

Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?

@RomeroCarmen-4

Ай бұрын

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

@Alejandrolucia-s

Ай 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.

My husband and I were $95,000 in debt. We’re now down to $15,000. We’re set to pay off everything in 9 months. I’m so excited to move forward with our future! Thank you Dave and Rachel!

@radioheadfanlove

2 жыл бұрын

That is so beautiful and hopeful!! Great work!

@projectchosin

2 жыл бұрын

You are doing awesome!! You guys got this in the bag. Good job.

@oatmealtruck7811

2 жыл бұрын

2 month update: we’re 100% debt free!! Ahead of schedule. 😊 Thanks, y’all!

@buyvcbum

2 жыл бұрын

@@oatmealtruck7811 yay 😁

@Llsek16

Жыл бұрын

@@oatmealtruck7811 congrats!!

I agree that the stock market is an excellent way to generate passive income. I've heard of numerous investors generating more than $40,000 per month. how can i invest and diversify my portfolio?

@Mckennie61751

Ай бұрын

As a regular investor, it is difficult to outperform the market. You lack access to information that specialists do. So it's simply best to hire a professional who understands how things function.

@AddilynTuffin

Ай бұрын

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

@floxydorathy6611

Ай бұрын

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

@AddilynTuffin

Ай бұрын

The decision on when to pick an Adviser is a very personal one. I take guidance from *VIVIAN LOUISE DEHOFF* to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.

@AddilynTuffin

Ай бұрын

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

I started with Dave Ramsey when I graduated college in 2009 and I started a corporate engineering job. Became a net worth millionaire in 2017. Currently my net worth is about $5 million. Lived super frugally on a small portion of my income and invested the rest…. Boom it’s that simple. I believe anyone can become a multi-millionaire. To become extraordinarily wealthy, that does take another level of grit, talent and sometimes luck. FYI, I grew up lower middle class and started with nothing with no one wealthy in my family.

@marthaayalew2505

2 жыл бұрын

What did you invest in particular? thx and congra for the hard work.

@kevina3372

Жыл бұрын

So first get a corporate engineering job? 🙄

@weldinggirl

Ай бұрын

Awesome!!

@timsans1170

Ай бұрын

​@@kevina3372 YES...FIRST GET A JOB!!! ANY JOB! GROW UP!

@timsans1170

Ай бұрын

​@@marthaayalew2505 Everyone always wants to know what the secret is! Time and Discipline. Budget well below your means and pay yourself first! If you have 20 years, it really doesn't matter, put it all in an S&P fund and.... LET IT RIDE! "Guaranteed Millionaire!" Yes... it's that simple!

Almost 40 and halfway to becoming a millionaire. On baby step 7. Thank you, Dave Ramsey!

💯 correct! My husband and I are in our late 30’s and we just became millionaires last year. This was done on not a particularly high income. I credit this due to not being in debt, living a frugal lifestyle and INVESTING in our retirement accounts early and often! This can be done! Good luck to everyone trying to build wealth and become millionaires!

@Starfish12345

2 жыл бұрын

Congrats!! At what age did you start investing?

@jasondima1411

2 жыл бұрын

Thank you so much Andrea! You really gave me hope. That’s the goal I want for my family and for others out there. I’m very proud of you and your husband!

@andreah4696

2 жыл бұрын

@@Starfish12345 Thank you! I was 25 when I started my first real job and started investing in my 401k. My husband was 22 when he started.

@andreah4696

2 жыл бұрын

@@jasondima1411 Aw, thank you for saying that!! I want to give others hope they can do this too! Trust me, if we can do it, you can too! I started out as a single, teen mom and my husband’s first job was taking out the trash. He never graduated from college. We never thought we would ever be millionaires.

@jasondima1411

2 жыл бұрын

@@andreah4696 Wow!!! That is very inspiring!! Yes it can be done and you and your husband just proved it! I’m thankful to be apart of a community that building legacies for their family tree. This is amazing! My wife and I are in our 30’s as well and we will be done with BS3 in March. Hearing your story just gave me the motivation I need to keep going. You both are awesome! From where you both started to where you both now is a testimony that will touch the hearts of others. I pray for nothing but more blessings for your family tree!

I’m Mexican, and you inspired me I don’t understand too much English, but the first time I heard you I started, I payoff my house in 9 months, no credit cards, and go to Roth IRA at 53 I’m debt freeeeeee thanks Ramsey

@OscarHerrera-xc4to

3 ай бұрын

congrats!

@lyndaallen9791

2 ай бұрын

🎉🎉🎉🎉 That’s Amazing and Congratulations!

@sancielo2838

Ай бұрын

Como pagaste tu casa en nueve meses?

@timsans1170

Ай бұрын

​@@sancielo2838 Maybe he's 63 and had 9 months left

@izabellasanchez8078

Күн бұрын

Muy bien !!!!

I really saw the potential of the stock market by reading Berkshire's annual letters. I recently sold my $674k apartment in the Bel Air area and I'm hoping to throw it into the stock market. I just don't want to lose everything.

@mikeroper353

2 ай бұрын

Most people either do not understand the power of compound interest, or are just impatient. For the average Joe, however, I think it is just best to invest in the S&P 500, and just wait, which is reliable, albeit extremely long-- lots of years. Or just use a professional analyst and speed up wealth creation. Most people underestimate the power of the latter.

@PatrickLloyd-

2 ай бұрын

I agree with you. I started out with investing on my own, but I lost a lot of money. I was able to pull out about $200k after the 2020 crash. I invested the money using an analyst, and in seven months, I raked in almost $673,000

@PatrickLloyd-

2 ай бұрын

Her name is Amber Dawn Brummit can't divulge much. Most likely, the internet should have her basic info, you can research if you like

@philipmurray9796

Ай бұрын

SCHD index fund, reinvest dividends.

@mohammedsharikuzama5518

28 күн бұрын

All bots here lol 😂😂😂

It does not matter how much money you make! What matters the most is how you manage it!

@DavidRamseyIII

2 жыл бұрын

Absolutely. I got to a million through dumb luck and high income at 23. But only now that I’m 30 and following Dave do I have sense of peace and a plan

@melissagorgeous16

2 жыл бұрын

It's all about management.

I'm sick and tired of being sick and tired. I'm going to be 54. No retirement. I've been looking for a job for a while. I'm 35k in debt. I'm determined to pay off debt and build wealth.

@sarashann

3 ай бұрын

Hope you're doing well and in a better place financially. Rooting for you!

@tradingbasics01

2 ай бұрын

I always tell persons its who know alot of times. Apply bindly doesnt work most if the time ​@mindfulperspective111

@Patrick-pt2yd

21 күн бұрын

Me too, definitely can relate! I'm on baby step 1- but we've been trying to reduce our debt for a few years before seeing these videos. Now we have a concrete plan- good luck!!

@thevibe7415

8 күн бұрын

I would suggest trying to negotiate with your creditors and tell them that you will go into default since you can’t pay.

@cyndisays

4 күн бұрын

figure out how to generate more income. maybe get a minimum 3 month contract lease with a roommate. use money from tenant to pay off debt works. Maybe get temp second job. I just paid off all my debt again.

We became millionaires last year in our mid 30s from single income but working all the OT I could get and taking construction side jobs doing anything and everything. Never have had personal debt, have always driven 10 year old vehicles or more and paid off our house cash as well as bought land cash to build in a few years. Work, work, work! Get rid of negative people and surround yourself with winners and positive influential people and you as well will become a positive influential person.

@terrilynn9533

2 жыл бұрын

That’s awesome!! Congratulations!

I thank Dave Ramsey for the baby-steps! Made such a difference in my life. I am on the verge of $1,000,000 net worth. Thanks Dave!!

@grozay1217

2 жыл бұрын

What do you mean in net worth? Are you referring to 401k/IRA, I'm just trying to figure this out it's all new to me

@toddhallam9598

2 жыл бұрын

@@grozay1217 To determine your net worth, add up all of your assets and subtract all debt.

@lettuceboy2382

2 жыл бұрын

Ah but you might have had 3 million if you listened to Jack bogel

@janecoe9407

2 жыл бұрын

@@lettuceboy2382 IVE NEVER HEARD IF JACK B0GEL???

@Noremac2310

2 жыл бұрын

@@grozay1217 Networth is all assets ( car value, house value, other things value, investments/retirments, Savings, Checking, etc) minus liabilities (debts or basically things you owe others from formal to informal things). This is what makes up a networth, if you have more than a million then you are a millionaire. Millionaires arent those who make a salary of a millionaire but rather have a million dollars of value in things.

So excited! Took us almost two years- debt free next month. Now the house! Millionaires in 5 years is our goal...and just free in general we are 49/50. Never too late!

@theresamahle6018

2 жыл бұрын

Congrats!Thanks for sharing your story and age. I'm 41 and working on Baby step 1. Thanks for your inspiration!

@saraareed5477

2 жыл бұрын

Yes! That is incredibly inspiring. Thank you, best wishes on your journey, and God bless.

@andreeaciofu155

2 жыл бұрын

Congratulations! I believe the right mindset is the key, and not necessarily the age. We discovered Dave a month ago and already gazelle intense and working on BS2. Should be debt free in 14 months. We're 40/41 and based in UK.

@ajohonly3721

2 жыл бұрын

That’s amazing to hear congratulations 🎊🍾🎉🎈. I’m in my early 30s I can keep pushing .

@jintanaclements5627

2 жыл бұрын

Thank you for sharing. This give me hope!

Teachers can become millionaires! I’m one. The baby steps work. Thanks Dave.

@melissagorgeous16

2 жыл бұрын

We sure can!!!

@byronrogers4489

13 күн бұрын

Awesome!!

Understanding that being a millionaire could give me the resources to help others in a big way is what changed my view of a millionaire. I always thought that being a millionaire just meant I could live a luxurious life.

@johngavigan-hb4cu

2 ай бұрын

I understand totally. I've had the same change!

So much knowledge! Absolutely free! I was never taught anything about money, I am praying and working to change that. I am 46 no retirement no savings because I made a lot of mistakes when I started investing, trying to correct that now. Already have a few thousand$ saved up to invest for long term. I would like to know what advice you could give to start my investing journey. Listening to you gives me inspiration and wisdom. Thank you so much!

I want to get out of debt so we can purchase our dream homestead ❤️ It’s a huge dream that pulls me through!

@JC-du6sn

2 жыл бұрын

Look up Andrew Wommack's A Better Way To Pray and Within Heaven's Gates by Rebecca Springer 😇 Gifts.

I'm a single mom of 2 teenagers and a teacher. I believe it's absolutely possible. It's taking me some time, but it's in sight.

@mytravls

2 жыл бұрын

Go girl! You can do it. Get help read up whatever works. For women, it becomes longer to get to our goal.

@genxx2724

2 жыл бұрын

You have three kids, one of whom is a teacher?

@saraareed5477

2 жыл бұрын

@@genxx2724 , no, sorry for the wording. I have 2 teenagers and I'm a teacher.

@genxx2724

2 жыл бұрын

@@saraareed5477 You don’t teach English. Lol

@saraareed5477

2 жыл бұрын

@@genxx2724 I forgot the word I'm.

I am so glad I randomly ran across Dave’s show on KZread 4 years ago. It completely changed my trajectory. Now I’ve always saved for retirement and put away the max towards my 401k at work since age 25, but I’ve never gotten serious about getting rid of my student loans until I watched the show. Coming out with 140k in student loans makes me feel like it’s hopeless until you really get aggressive with pay it off. Once I followed the baby steps… that loan went away quickly and without loans, I never slept better… a whole weight was off me… and I finally can see how I can take that money invest it and see it quickly amass. Within 1 year, got me to a million. Cutting back, rice and beans were tough to do but the freedom it brings now… 100% worth it. Worth the short term sacrifice for the long term mental freedom.

My husband and I made no more than $80,000. tops, for a couple of years, we are frugal, bought kids their first car, paid for their college and gave them a down payment on their houses. We are proud to say we are everyday millionaires :=)

@Red_1976

8 ай бұрын

Very inspriring. I’m 47years old & on BS3 (also paying off mortgage). Can’t wait to have this step complete!!

Belief is everything! So true ! I bought my house when i was 25, i had a goal to pay off my mortgage in full before i turned 40. Today I'm 35, on track to have it GONE by the end of 2023. Hope is so powerful!

My mother was diagnosed with dementia March 2021 and I’m a 37 yr old disabled Vet…. Thanks to Dave we live a good life…👌🏽💪🏽🙏🏽

@johngavigan-hb4cu

2 ай бұрын

My mother too had dementia and I cared for her. Thank you sir for your service to your country.

Rachel I truly admire you thanks to Dave! I finally paid off my student loans after 17 years!!!! I am driven to keep going and becoming a millionaire soon! 🙏

I an a RN working on my second million almost there. No one special and not as smart as others. I won’t ever be rich but I can retire well.

@chocovanille5809

2 жыл бұрын

I am on my way to become an RN as well. When did you start your career and what sacrifices have you done to get to where you at?

@wdeemarwdeemar8739

2 жыл бұрын

@@chocovanille5809 i went to a private school and took out loans which I have paid so that was a a sacrifice but totally worth it. Second, take care of your back. Keeps your abs strong. I didn’t do it and my back is ok but for over 10 years hurt daily. Pick a specialty you love that you see your self doing for 20 years. Pick a place where even if you don’t get a pension but has a a great 401k or similar benefit start saving right away in a Roth if available. I work for the VA and am a Marine so all my years have helped me retire comfortably. I became a RN at 34 and best decision I made but worked in healthcare for over 25 years. Wished I had done it earlier in life.

@chocovanille5809

2 жыл бұрын

@@wdeemarwdeemar8739 thank you! I appreciate you!!

@michaelhan4400

2 жыл бұрын

@@chocovanille580933 year old RN almost millionaire here. If you are single (not raising a family) you should come to the Bay Area for at least a little bit. Work overtime and make over 200k/year.

You could invest in stocks, start a side business, or focus on advancing your career. It's important to set goals and make a plan. Remember, wealth can mean different things to different people, One thing i can say that helped me in life to reach my first million was starting early, i got curious and informed i became open to passive income, investments in equities , etfs and the likes. also sought help to handle my portfolio which was my foundation. i'm ever grateful to Anna Rounds Fay my FA.

@Maryesther1

Ай бұрын

That’s some good values. sounds like you have something going for you

@JimGreenfield

Ай бұрын

She appears to be well-educated and well-read. I did a search on her name and came across her web, thank you for sharing

@AltmanP

Ай бұрын

Did a search and found her webpage. I must say her resume is pretty impressive. will be writing her

Thank you Dave, I followed you and I am now debt free! About $40,000 debt paid including student loans. It was really hard but did it in 1.5 years, I m now going to follow through with the baby steps to growing wealth, giving and becoming a millionaire 😊

91% of Americans have access to a car. 8% of Americans are millionaires. But if you just didn't have a car payment and instead invested the money you will be a millionaire.

@faxoxo2306

2 жыл бұрын

Wise words

@Mrsmetamorphosis2012

2 жыл бұрын

Yuppppppp🥳

@Melissa0774

2 жыл бұрын

Invest is what, specifically, though? Everybody's always like, "invest, invest, invest," but they never say in what, though. Picking some random stocks that you think are going to do well, a 401k, what?

@janecoe9407

2 жыл бұрын

@@Melissa0774 S0ME SAY MUTUAL FUNDS AND S0ME SAY CDS

@Melissa0774

2 жыл бұрын

@@janecoe9407 The interest rates on CDs are so bad, though.

I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.

@MattDouglas-hj9wh

3 ай бұрын

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert

@trazzpalmer3199

3 ай бұрын

Strategic investment is critical. My ideal investment is a diverse combination of stocks, bonds, and ETFs. It provides an excellent long-term return and has performed admirably thus far, but I needed to diversify my portfolio at some point, so I approached a coach who devised a system that aligned with my targets; so far, I've made a whopping $580k, and scaling my portfolio to a million by the end of the year does not seem too far-fetched to me.

@graceocean8323

3 ай бұрын

please who is this consultant?

@trazzpalmer3199

3 ай бұрын

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

@realwarriorscholar

3 ай бұрын

S&P 500 index funds beat my mix of stocks for the last 2 years +10% average!

Dave, I first started listening to you in the cab of my tractor as i mowed highway road ditches for my county the summer of my year 18, and I am 35 now. I have no debt, except the house, paid off 2 college degrees, a car, and other small tabs, and live on less than we make which is under 80k and 2 kids. Thanks for your philosophy.

I am a teacher in Arkansas and have been for 13 years. We are very low payed as far as teachers go. My husband is a firefighter and makes a medium income. We have no debt, I was able to take time off when our kids were born, and only owe 40k on our house. Hoping to pay it off by the time I'm 40. I think teachers are millionares bc they HAVE to learn frugality BECAUSE they don't make much. So its a lifestyle and mindset that automatically lends itself to saving.

@livelaughlove4635

Жыл бұрын

I agree. I’m also a teacher. Congrats on how well you are doing. 👏🏼 👏🏼 👏🏼

@Red_1976

8 ай бұрын

Me too, I’m also a teacher. It helps that you get paid the same every single month and nothing changes. This makes routine/habit & helps to build wealth gradually.. it’s a slow process but it works.

The fact that Dave accomplished what he did and he’s on set with his daughter on her show it’s proof that the plan works if you’re willing to do it.

Love the simplicity of Dave’s message. I am well and truly in the last baby steps but hearing his message reminds me time and again of why I am doing this which keeps me going on this path!

Daaaaaaave! He showed me the way and turned our little family’s life around in two years. Now we are talking semi retirement in 4 years with zero debt and being millionaires. Thank you

Dave Ramsey is a voice of reason and hope. Glad to see he helped raise a family of people with the same values and beliefs… there is hope for the future.

This is great. I'm on Baby Step 1. I've struggled getting out of debt because I've been stuck in that mindset of this is too hard. Having this to look forward to is inspiring. Even if I only make it $500k, that is way more than I would have by quitting. Gazelle Intense!!

@terrilynn9533

2 жыл бұрын

Remind yourself every single day that you can do this because you can!

@NariMihan

2 жыл бұрын

We just got out of $80k debt a couple weeks ago! With 3 little kids and under $60k/year income. You can do it!

@m.a.4630

2 жыл бұрын

@@NariMihan thank you! Comments like this gives me hope!

@radioheadfanlove

2 жыл бұрын

@@m.a.4630 Same here!! So wonderful...am so inspired by all of you!

@Kika-rn9tq

2 жыл бұрын

I'm on 2 and here to tell you you can do it. Paid off student debt. Looking to pay off my loan and the car this year. Leaving ONLY the house. Hoping to pay my house off in 4 years.

Yes!!! This is my reason that keeps me pushing forward… to be able to be generous and give back to others!! 💗

I love this man!! He always gets my mindset back on track!!

This is one of the best interviews I’ve heard from him. Thank y’all

Thank you Dave Ramsey for all your knowledge and help.

I love this! We’re on steps 4-5-6. The baby steps work! My favorite part of this journey is raising money smart and un-entitled humans who have vowed never to have debt. Ramsey and FPU changed our family tree! I’ve starting writing about this journey. It’s been life changing! Thank you Rachel for continuing to share!

You are correct Dave. I knew and I believed from the very young age that I will be a multimillionaire. Gratitude and act of kindness is just part of my life.

Yes, you do become who you spend time with!!

Thanks so much for your videos! I knew little about debt, though I have an insane amount of it in the form of student loans, but today, I paid off a loan! It’s a small one, but it felt great snd it’s a step in the right direction. Thank you!

@milatbusera9730

2 жыл бұрын

You got this!😀

@bassiebangura9676

2 жыл бұрын

You can do it

@saraareed5477

2 жыл бұрын

Congratulations! One step at a time, no matter the size is still a step.

@whome6081

2 жыл бұрын

Thank you guys so much! ☺️☺️

@NariMihan

2 жыл бұрын

You go!!

From France, always a pleasure to hear you out!

I've started reading mine.Chapter 2 here I come!!!

Never stop dreaming. Be hungry and never stop believing in your dreams. If someone can do it, then you too can do it. Be strong

@janecoe9407

2 жыл бұрын

PEP TALKS D0NT W0RK WE NEED M0NEY!

I love the last step: Be generous!! ❤

Really enjoyed the transparency, it helped me feel sane in my business and KZread channel so appreciate it! Keep up the good work Instant profit😄

We’re all about to be millionaires if this inflation goes Zimbabwe.

Yes!!! Amen!! Thank you 🙏 I needed this reminder today so so much!!! Yes!!!

This is truly life changing and inspirational keep shining Instant profit

Great talk!!! Very encouraging on baby step 2.

My wife and I followed your plan before I found you in the last month or so. You are absolutely correct. We are retiring on more money than our income, growing capital and having fun helping friends and favorite charities. You can't beat 15% of income compounded for 30-40 years. I am glad people are listening to you and following the plan.

It's not how much you make, it's what you do with it. Taking note of who you spend your time with. Believing that you can become a millionaire. Thanks again.

We paid off our credit card debt and ran them back up. I'm slamming our credit card debt a different way. Whatever we charged we budget in to pay them off. When we pay this last one off, it's over. Our mortgage is almost gone as well. Then we are free. It's so close I can taste it. Thank you, Dave. We should be millionaires next year.

Thanks Rachel, keep shining The Light! I'm a millionaire with a mental illness apparently, bi polar etc. I'm 53 my net worth is $1.2 million I think I've been misdiagnosed !

@janecoe9407

2 жыл бұрын

0R U WERE ABLE T0 make M0NEY DURING THE MANIC PHASES L0L

My minimum in step 1 was 10k. Just putting tires on the truck is 1400.(yes its paid off over a decade and a half ago.) No debt except the house which is now my #1 goal.

Dave changed my life. Thank you sir!

Thank you so much for this video, Instant profit truly helps creators and anyone looking to get paid in this economy. Transparency = education 👏🏻

I'm just about to turn 33 and in a few weeks we will be paying off our mortgage. We took FPU at 23 and soon our lives will change.

You are an angel of God Dave and Rachel. Thanks for the clear voice.

Thank you for having your Dad do this show Rachel. I have been listening to your Dad since his days with Roy Lee Matlock on WTN Nashville.

This video makes DAVE RAMSEY make sense to me now!

This video is gold!!!!! 🙌🏽🙌🏽🙌🏽🙌🏽

wow!!!! greetings from Germany ! I am 21 Years old and "only" 28000€ in debts because I tried to help my family... parents unfortunately were not a good teacher when it comes to finances. they showed how to make debts but not how to pay them back effectively. I have a good job and earn 2000€ a month but barely have 1 cent to live in month. this channel Completely changed my mindset. And you know what? I pretty sure now that I will be a millionaire in no longer than 5 Years. I already have a plan how to pay off the debts a fast as I can and how I will invest more than 50% of my income. Thank you

Watching from Somalia - this is awesome

Great Job!

Dave Ramsey thank you 🙏!!!

I agree and I'm an FPU grad.

Rachel and Dave----PREACH IT! Praise the Lord, that we found you 20 years ago as we did it because of God's grace, mercy and your guidance. Rachel and Dave---changing lives across this great nation

Super inspiring as always! I remember watching last year and thinking it would be hard to beat but how wrong was I! The sky is the limit cuz Instant profit helped me🤩

I look forward to the day I can meet Dave and Rachel.

Dave and Rachel, Thank you

Dave, you are so right!! People need to hear tough love sometimes!

This is so inspiring! I can’t wait to read the new book.

Your steps works! Dave is such a positive inspiration!!

Love This!

"go do it anyway..." I love that

I love this! So inspiring!! We are a police officer and counselor - helping the community is our calling. Living with abundance is our goal. Love your saying - to be able to be ridiculously generous!! 👍😄🙏❤️

tell you what i have listened but not paid attention to these baby steps for a long time because i wanted a way to get out of debt without the hard work. Now i get it. i need to put in the work. I work for myself to get myself away from debt. I'm doing this for me. I am the only one who can do it. I need to follow the steps religiously as if I am saving someone's life. True that someone is me.. Thankyou

God bless you Dave

Amen Dave! My wife and I are 3/4 of the way to Baby Step Millionaire's. This is not including our pensions. I am a teacher and she works for the county. We followed the steps and now are on Baby Step 6. I truly believe anyone can achieve Baby Step Millionaire status with hard work and commitment!

@christinanewman1077

2 жыл бұрын

Inspiring comment! *you need to see my ➡PROFILE ➡ABOUT, if you want to be proud of yourself more, you need to see a new LIFE CHANGING and a very motivated Info I shared, you will love it and thank me later.*

Excellent content! 👌

Great stuff yea it’s not the easiest steps overall but once you stay focused on building and doing it a sense of worry leaves you because you’re going somewhere.

Great video! Always love a father/daughter team. Rachel, your skin is glowing and foundation is PERFECT?! What is your secret?

I feel like there could be a whole book on Baby Step 3 alone. It can be less exciting or motivating than getting out of debt and when you finally reach Baby Steps 4, 5 and 6, sometimes, because of emergencies, you find yourself back in Baby Step 3. An encouraging and supportive book on that step would be awesome!

@marram2852

2 жыл бұрын

You are not really "back" in baby step 3, you just replenish your emergency fund while working steps 4-6 or 7, depending on where you are.

@Red_1976

8 ай бұрын

Finding it difficult to save for BS3! Always dipping into it for emergencies, real emergencies. Always feel like I’m going forward a step and back two. Very frustrating! These videos are encouraging & knowing I am not alone in this journey helps.

My carrot was actually to get out of debt. Absolutely HATE payments. These steps work! We are now paying off our house!

Wow. I'm not a $60G income. A little over half that. Not 30yrs either. Older. Still almost out of debt. Thanks Ramsey.

Every bit you are able to put towards the principle helps out in the long run. You'll be surprised how quickly it adds up.

Thank you for sharing and being so transparent. For someone like myself who is doing pretty well on KZread and looking to take it further this is VERY motivating. To know that possibly in the next couple of years depending on how I run my business I could be possibly pulling numbers like this is just mind-blowing. Instant profit help keep me on the grind. Happy New Year!!

Great video thankyou both for wonderful advice.

Baby step 7, on my way to 1m. Thanks Dave

Thank you, Rachel & Dave I believe can be done because I being follow your principle since day one I want to be wealthy so I can help others God Will🙌🙌🙌❤️❤️💪🏿💪🏿

Dave iam on step 7 saving now 30% with a 130k income. 300k now in stock/m-funds. House paid off worth 350k. Pension 3387.00 a month. When I retire in four years. I crawled before I walked a walk before I ran this does work and thank you so much

This is a great video. I’m on baby step 3 at the moment, I paid off the second half of my student loan ($30,084.94) in 23 months since January 2020. Dave Ramsay’s Baby steps have helped me to achieve this and have the belief and determination I needed to see it through. I just want to thank you from the bottom of my heart for the work you all do, God bless ☺️☺️☺️

@Red_1976

8 ай бұрын

Very inspiring. It can be done! Congratulations on getting out of debt.

I fully agree with Dave. I am a software engineer from Bangalore, India and I am a US$ millionaire. I followed a rule of never ever taking any kind of Debt in my life. I bought my first house in 100% cash down. My savings rate from my 1st day of starting job was 20% which kept increasing each year as my salary kept increasing and now from last 7.5 qyears it's been 70% savings rate. I reached to millionaire status in 18 years of my working career. I don't understand why most Americans can't become millionaire despite of earning such a high salary as compared to Indians working in India. Increase the savings rate to 50%-70% and you will become millionaire so fast.

@marthaayalew2505

2 жыл бұрын

Living in America is expensive.

@anilvaruna2007

2 жыл бұрын

@@marthaayalew2505 Living anywhere is expensive if you compare income with respect to that country. The key is to reverse compute how much you can spend after removing the savings money first from your income. Once this number available for spending is computed then plan for how much is available for housing, food, transportation. If number is small then one will have to junk the idea of staying in bigger , expensive housing. What one can afford can afford. Affordability number can only be computed after removing savings from the monthly income.

@The.Indian.Goddess

Жыл бұрын

Cool bhai hope to do as you did

@Red_1976

8 ай бұрын

You can’t do this in Australia. Rent is too expensive and we have a housing crisis atm which makes accomodation super expensive.

Very interesting information about the process driven careers being the usual millionaire. Also, mentoring by someone who knows is so good for anyone.