0:22 - Ramsey Show Reacts to Awkward Financial Moment on "Love Is Blind" 8:57 - Steve Harvey Said Debt Freedom Is Impossible? 16:20 - Dave Ramsey Loses His Mind Over This Advice On Instagram! 25:09 - Ramsey Show Reacts to HORRIBLE Credit Card Advice on TikTok! 34:23 - Ramsey Show Reacts To HORRIBLE Real Estate Advice on TikTok  42:26 - Ramsey Show Reacts To Horrible Wedding Financial Advice On TikTok 50:09 - Ramsey Show Reacts To HORRIBLE Budget Advice On TikTok

@evalangley3985

Жыл бұрын

38:18 "Like... Peppy..." Fast Forward 2023, Peppy is bankrupt...

@flra00788

11 ай бұрын

11:14 - also announcing the wrong winner for miss universe is how he makes money. Became instantaneously famous both in Philippines and Columbia for that, though not for the right reasons 😂

@aharonmlynsky

7 ай бұрын

P

@darrellhubbard2780

7 ай бұрын

In rebuttal to Dave's comment on Steve Harvey. He only owed the IRS because his accountant stole the money he was paying to the IRS and he found out years later. Dave don't be ignorant to your own self righteousness.

@E3fieldservices7144

4 ай бұрын

42:53 put all of your wedding on a credit card go deeply in debt sounds like the fast lane to a divorce

Rachel: You’re committed Dave: they aught to be committed Me: 🤣 🤣 🤣

@epiclight858

25 күн бұрын

Oh my

The credit card thing... there are people who can. I am one. I am 26. Got my first credit card at 18. In all 8 years I've been using a CC, I have NEVER carried a balance, ever, not even once. The key is using your credit card LIKE a debit card. Budget properly, have an emergency fund, and you'll never carry a balance. It really isn't complicated. I've had car issues come up that have cost me 3-4k and I put it on the card, get the cashback, take the money from my emergency fund, and immediately pay the card off. Most people probably shouldn't use them but for those that treat it LIKE a debit card, it genuinely is a benefit.

@dhrachth1

8 ай бұрын

Ditto. I've never paid interest on my credit card in 27 years of having a credit card. I also get on average $500 of cash back each year.

@sorcdk2880

8 ай бұрын

There are some special reasons you might want it for special things. For instance in south Europa you can only get your safety deposit back when renting cars if it was done through a credit card and not a debit card. Or at least that is what I heard, and there are some exceptions to it and so on, but to the story I heard there was someone who had to effectively pay triple price for car rental because they only had debit cards.

@Glanzern

8 ай бұрын

I have made over 5k in cash back in my lifetime and I'm only 30.

@Glanzern

8 ай бұрын

I get a 5% discount on everything I buy on amazon and 3 everywhere else.

@lania3717

8 ай бұрын

​@@Glanzernis that the Amazon card?

"I don't believe in 401ks".. LOL dave's right... I don't wanna know these people! 😱

Love the excitement Rachel gets at getting her dad all riled up!

@ballan00

Жыл бұрын

Hilarious. Reminds me of the big smile my daughter has on her face while she is getting me riled up!

@deb9806

Жыл бұрын

A more mature relationship now. He's been honest about head clashing with her but Iike their rapport now.

@jonathanspruance4502

Жыл бұрын

lol the chemistry is great here

@Mrs.LadeyBug

3 ай бұрын

It’s definitely a thing that only family can do and get away with! 😂

@verb0ze

2 ай бұрын

Maybe I'm alone in this but I found Dave insufferable in some of those exchanges. He wouldn't let her complete a sentence. I simply wanted to hear her say her piece about the arbitrage clip, and Dave just kept talking over her. Maybe it makes for good entertainment, I dunno,but I find people who talk like that in real life highly annoying.

In my opinion, Rachel is really likable! Her personality, voice, poise, fun side is all charming. Well done fam 🎉

@brendanjobe6895

4 күн бұрын

Absolutely! Her timing on pushing her dad's buttons is impeccable.

"One definition of maturity is learning to delay pleasure" Couldn't have said it better myself, 100% agree.

"We're not laughing *at* him." "Oh, I am." Dave rules.

“Dave, I want to punch something and you are the closest thing to me so I’m going to refrain” 💀⚰️🤣🤣🤣🤣🤣🤣

Dave Ramsey v.s. Steve Harvey was something I was not expecting 😂😂😂😂

@jeanedarc

2 ай бұрын

true! I love how he called him out though and husband 25mil owed to irs

"Dave wants you to have nice things but don't want the nice things to have you." This line has so much wisdom that the older I get, the more it rings true.

@dongmingzhu666

Ай бұрын

When I was a junior engineer who joined the company for less than a year, I bought a brand new Porsche on finance. That was the biggest mistake I've ever made

@SoldierOfGodKJV

4 күн бұрын

Change your username. You have three devils number in it. Repent and Obey Acts 2:38 to be saved.

Rachel is sooo smart. She knew it would get her dad riled up as it goes against everything he stands for. It's great for business to take a popular show and look at all the financial flaws they make. We love you Rachel. He already hates the culture, he doesn't even like Chicago!!! I loved this 🤣🤣🤣

@mato_fato_ma-ah-fala-falafel

Жыл бұрын

Wow I didn’t know Rachael is the daughter of Ramsey. Is one of them Rachael’s husband? I’m not sure of the relation with the other co-hosts.

@Thermohybrid

Жыл бұрын

Smart? Ok I guess 🙄

@RJ9mech

Жыл бұрын

She's good at poking the bear! 😆

@brianivey73

Жыл бұрын

Sooo smart that she's watching that bullcrap show.

@9darshana

Жыл бұрын

@@brianivey73 Studies show that truly Intelligent people watch dumb shows because they're brain is always on 10, while dumbed down shows allows them to give their brains a break.

I thought I was being really smart with my money… but I wasn’t going to be debt free for another 21 years with what I was doing. I’m now on schedule to be debt free in 2 years and it feels great.

I would PAY to watch Dave watch a full episode 😂

@kiwilauren

Жыл бұрын

Put it into your budget and go for it! 😂

It is so nice to not have any debt, no credit cards, no student loans, a little over $6,000 in the emergency fund and building up 3 month living expenses. Squeezing as much as I can and listening to this show pretty much every day, except Sunday, we are slowly building up closer to our dream to have land and house.

@davidbrooks8809

4 ай бұрын

You and I or the same..😊 Love it !!

Rachel get a kick out of pressing her dad’s buttons 😂.

"You need to take a shower after watching that guy" Hilarious.

This is like my wife explaining a show she watches to me 😂😂😂

@Lancelot0311

Жыл бұрын

Same here ! My girlfriend is talking about her show and I’m just grumbling on live Dave about how much nonsense it is lol

@chrismoreno589

Жыл бұрын

Right💀😂

@XxMyEpiphanyxX

Жыл бұрын

Lol facts brotha

My dad passed in April of this year and watching Dave and Rachels interactions, especially with Love is Blind made me happy and miss those moments. Dave and the paper wall 😂

@ADhuv

Жыл бұрын

I felt the same way watching. My dad passed a year ago today and he would’ve had the same reaction as Dave.

@alexisr224

Жыл бұрын

rest in peace to ur father ❤

@mattsmith4589

7 ай бұрын

🙏🏾🙏🏾🙏🏾🙏🏾🙏🏾💪🏾 Stay strong pops is most definitely proud of you 🥺

@user-hp8js4ni4u

5 ай бұрын

Dave is just like my dad, who’s been gone 20+ years, so it warms my heart to hear his rants!

The 401K and paid for house sounds exciting to me!

@alanj9978

Жыл бұрын

It's definitely not exciting. But it sure feels good.

@gogos1234567890

3 ай бұрын

​@@alanj9978 I'm a very boring person who genuinely gets excited at other people doing well for themselves. But I also get excited to check if I've successfully followed a budget I set for myself, so I'm not a good yardstick

@bruceellenburg429

2 ай бұрын

I have one (401k), working towards the other

Rachel trying to be nice to these people and Dave not having it!😂

“Chicago is not good” 😂😂 Hey Dave, I was raised there! 😅😅😅

@wa2k99

Жыл бұрын

I lived there 20 years. It's not good in a lot of ways

Dave..."These are not people I would want to know"!! 🤣🤣🤣🤣🤣

I loved watching Dave completely shut down by the end of that Love is Blind story 😂😂😂 PS I think having a paid off house is VERY exciting

@HMMELD

Жыл бұрын

I knew somebody like that - his excuse was lifes too short,

@butchnoneed4883

5 ай бұрын

that was my ex wife, her thought was i will be dead by 30. (thats why she is an ex.)@@HMMELD

"you actually spent your time watching this?" Dave is literally me lmao

Love how Rachel is like dad it's my job to set you up so give me time to set the targets up before you start firing.

The one with the girl whose dad let her get a car loan....Shame on that dad. She could have bought a great car for $7000 cash with no payment. He thinks he set her up for success, but he would have set her up for success by teaching her to buy with cash and not have debt.

@mattcrouch9348

Жыл бұрын

Buying $7000 share in that AirBNB partnership could also be a learning experience , and -- if profitable -- generate some cash to save up for that car.

@charisginn6932

5 ай бұрын

To be fair, I have $10k cash set aside and have been looking for months and haven’t yet found a solid car without any major issues. Used cars are hell right now. I still wouldn’t go into debt, but I can sympathize with the fact that it is no longer as easy as “buy a great reliable used car for $7k”

Dave is America’s dad 🤣

@Black_pearl_adrift

Ай бұрын

This is exactly how my dad sees the show 😭😭😭😭

God i love rachel :D shes adding so much to this show

Dave needs to find the young man from Family Feud and bring him on the Ramsey show and then give him FPU to make sure he knows that getting out of debt is a very real possibility.

@stinana

Жыл бұрын

Absolutely!

@TheEllaTB

Жыл бұрын

Yes!

The thing I like about Dave’s advice is that he combines financial advice with psychology. He understands that psychology is what creates behaviors and those behaviors build wealth or they build debt. His systems aim to change the behavior and redirect effort to result in wealth.

Her face when he says I don't believe in 401ks told me to stay my course 🙂

The BRRRR method sounds more like I'm going to be homeless in the winter than actually a smart financial decision

Rachel is soooo good. She is smart, charming and confident. She doesn’t let Dave throw her and stays on point. And even though Dave always annoyingly interrupts her and has to always one-up anyone cohosting with him - she makes it work.

@haolegirl7230

Жыл бұрын

She's had years of practice. 😂

@visibletoallusersonyoutube5928

Жыл бұрын

Honestly I feel like she talked too much. Why give him something to react to if you’re going to talk over him the whole time. Almost like she really enjoyed whatever was in her head and wanted to essentially say his reaction for him so it aligned with her reaction.

@intercine4986

8 ай бұрын

You can stop simping now todd and just enjoy the show. Jesus Christ

@toddhickey1956

8 ай бұрын

@@intercine4986 Go easy JC…. I think she does a good job and Dave can be over-bearing to his co-hosts. Was not intended to cause you tears…. Dave will be ok.

The only financial advice I ever give nowadays is: Don't go into debt and learn Dave Ramsey's lessons! It has kept me out of trouble for years.

The best part of arbitrage dad is that he’s so proud of his financial genius with arbitrage when he’s actually describing leverage. Nothing says you’ve got this all figured out quite like incorrectly naming your big brain strategy. Arbitrage is buying a selling similar assets on different markets to exploit pricing inefficiency and it largely doesn’t exist today the way it once did thanks to technology.

@sorcdk2880

8 ай бұрын

Me and my friends had a lot of fun using arbitrage to climb up in Diablo 2. We used the patience type of arbitrage, where you exploit that one side wants to get rid of their goods quickly and is willing to offer them for a bit lower price, while those who directly needs those goods may want to pay a bit higher price, so by putting in the effort to connect those who were selling from the source and those who had a need, there was an arbitrage to be scored. The classical real world equivalent type I have heard about is antiques, where a store would buy an antique at a lower price, and then use that they would have a store or better connections to find the kind of buying who would be willing to pay closer to the normal market price.

@BeerStearns

Ай бұрын

The car loan would have to be a 20+ year term for 14% of $7k to cover the monthly payments. She has to pay back the principal too.

I was talking to a coworker about your show, Dave, because I really love how respect the way you save money and how careful you are. My coworker scoffed and said, ‘Dave wants you to save up for your kids and not for yourself.’ And my man is in his 20’s in thousands of dollars of credit card debit. I can’t.

@RubyShelton-nf4mb

4 ай бұрын

What I learned from Dave and other financial experts is that it's important to budget. About 35% of take home pay to Housing, 15% Transportation, 25% on Other (what was called Life by one expert), 15% Debt, and 10% Savings. I tweaked these numbers for my specific needs and tweaked them again now that I've retired. This is what has worked for me. I have an 815 credit score.

@princeofgreece9054

24 күн бұрын

@@RubyShelton-nf4mb 15 percent debt is way too much. I refuse to spend 15 percent of my income just on debt. Also, 35 percent on housing would be debt if you own your home. It’s just not a good idea to have any debt besides a home. That’s probably the best form of debt cause at least it’s an appreciating asset.

The first 5mins kills me😅.. I'm laughing the whole time and then realized, we need Dave's voice in this generation

@firefly9838

Жыл бұрын

No we dont

@arienfox

Жыл бұрын

Right about that @Geraldine B.

I couldn't watch a show like Love is Blind because I'd be yelling, "You're an idiot", at the TV constantly!!

@chemquests

Ай бұрын

I watched the first season for the pleasure of yelling at the screen and feed my sense of superiority but I couldn’t take additional seasons. It’s odd it has lasted so long.

This is in reference to the clip at 26:50 When I was 22, I remember sitting in the kitchen with my mom as she was trying to convince me to get a credit card. She said if I didn't start paying payments on something, I wouldn't have any credit and therefore never be able to have a healthy credit score. I told her I didn't agree with credit cards because I didn't like debt and wanted to pay for everything in cash and live within my means. Mom became angry and said, "You NEED to build credit! That's how you build credit is by buying something on credit and paying it off" To which I then asked her, "Ok, so how's your credit score then?" "Not very good!" she said. "There ya go" I'm 35 years old. I've never had a car loan, I've never had a credit card, I'm nearly debt free except for a few medical bills and my house, and my credit score is in the high 700s. Thanks mom.

@zHxIxPxPxIxEz

6 ай бұрын

Your mother did not want to Bury you. She just didn't know. Hope you're well.

regarding setting a budget, i have never been happier then after i set a budget and stuck to it. it gave me confidence to move forward

@mikellyartisan1384

Жыл бұрын

Definitely. Setting a budget really help me get out of a rut with spending. I do a weekly budget rather than a monthly one tho (I plan for the month but spend money weekly), so it’s like getting paid every week! Made managing money a lot easier

If there's something you can learn from Steve Harvey about finacial success. It's you don't play with the IRS.

This is why you need to have these conversations BEFORE proposing and marrying someone.

The only thing I can’t get with is the CC advice. I’m the one who says “I’ll pay it off every month” and I have ever since I opened one the moment I turned 18. I never borrow anywhere near what I currently own. There is a mental change you have to make where the money the bank pays out for your bill, isn’t the bank’s, it’s all yours (as obvious as it sounds, people still fall into debt all the time so it doesn’t work). You do miss out on the cash back advantages which is free money when you’re being absolutely responsible with it.

@LindseyHarvell-vc4ez

16 күн бұрын

But one day you won’t be able to. And you’re also spending more by using a credit card other than your own money. You’re just robbing yourself.

@AdamC4

16 күн бұрын

@@LindseyHarvell-vc4ez what I’m saying is that’s not true. I don’t spend more money simply because I have plastic. If anything, I’m more apt to spend more cash in my pocket than a card. I don’t purposely spend more money because of the small amount of cash back. And who says I won’t be able to pay it off one day. Having a six figure safety account says otherwise.

I just started watching your videos and enjoy them. I want to point out that Steve Harvey wrote checks and submitted them to his accountant; unfortunately, when his accountant passed away, uncashed checks addressed to the IRS were located. It was later discovered that the accountant had stolen the tax money. To eliminate the $25 million IRS debt, Steve Harvey paid $650K per month for seven years.

Harvey said debt is okay, but he went bankrupt. 🤦🏻‍♂️

It’s so funny how true the advice about the credit cards is. I’m getting out of my current credit card mess from almost the exact same scenario. Once these cards are paid off, they are going in the trash.

32:40 Credit score is not money management, it's debt management Wow, never looked at it like this🤯

@mattcooper688

4 ай бұрын

Debt is money received in advance, interest is the price you pay for having access to it in advance, and your credit score is a measure of your trustworthiness.

"Anyone who would teach you how to get rich quick is either a fool or a thief." - Jiminy Cricket (Pinnocchio)

The fact that I automatically heard Dave’s voice in my head the first time I watched that Love is Blind episode 😂😂and now he has watched it in front of the camera… It really made it feel like coming full circle LOL. Natalie, ruuuuunnn!! Cheetah!!! Also, it would have been fun to tell Dave that Shayne was a realtor at that time… A realtor who didn’t believe in buying a house. Also, crop tops.

Hilarious! Almost every ad I am being fed is for a credit card!

The man didn't say he wanted to get rich .He says he wants no debts

Their comments on the credit card one were interesting. My parents and I actually do what the woman was saying and I didn't think it was as weird as they seem to think. Every month or two when I buy gas I use the credit card, and autopay takes care of it. I keep my credit usage below 5% and don't care about points or cashback (it's a racket). I got the card at age 26 because I didn't have a credit score and wanted to buy a house. But you can buy a house without one, you just get a worse interest rate, and when you pay that monthly it helps your credit score. It sounds like the credit card trick worked out for me because I had a full emergency fund before I even got the card, and I avoid the "I'm earning cashback" trap.

@dorkga1092

9 ай бұрын

I'm right there with you on the credit cards too even though I like the cashback offers haha. But you're totally right about keeping the credit usage low. I think that's the part that never gets talked about enough even though it's affects your credit score quite a bit

@abarbar06

8 ай бұрын

same

@laatrommi

5 ай бұрын

man, sorry to reply to you on something from six months ago, but i scrolled for a while looking for a comment like this. feel like they really missed the point in the vid. was told by my parents to get a cc early to starting building credit, never spend money i dont have in checking. and the example he used really frustrated me, he used a cc to pay to fix his car, and went into debt for it. what would the other option be? lose your job because you cant get to work?

All good advice, but when I was in college and looked for an apartment, there was only one who let me in without credit score. And of course it was not a very good apartment )))) In ALL other apartments they all wanted either a credit score or a co-signer (which I also did not have, I was an international student). And if you can believe I offered to all of these apartments to PRE-PAY for the WHOLE YEAR, and they still did not let me rent!!! It was ZERO risk for them - entire year pre-paid, and they were so stupid not to take my money. They wanted a credit score or a co-signer. So I was living in a terrible and loud apartment for 2 years and then rented out from a friend another year.

“They ought to be committed” had me dying 🤣

4:26 that deep breath was like OMG IS HE SERIOUS...

To all at Ramsey, thank you so much for been so clearcut and saying what needs to be said in a crazy world!

I don't know if it just me but I'm laughing hard over here 🤣.

Get "rich" quick schemes are like Get "thin" quick schemes. There are no short cuts. Common sense and discipline for both.

Daves reaction to Love is Blind was how i felt during the wedding of the Golden Bachelor. Good gravy.

"Chicago is not good" I'm dead lol 😆 🤣

Love Rachel - she’s such a great flavor to the show

@timetowakeup6302

Жыл бұрын

She is definitely some real nice flavor

Dave’s soul left his body and Rachel knew exactly what she was doing 😂 I love watching this father daughter duo

"which is greek for I'm stupid" got me

I LOVE IT WHEN RACHEL DOES THIS, AND DAVE COMES BACK 😂😂😂😂😂🤣😂🤣😂🤣😂😂😂😂 ITS GREAT FUN😂😂😂😂😂

“The eyes. They never lie, Chico” - Antonio Montana , circa 1983. The look in that guy’s eyes reveal his stupidity.

@amarulostcause

Жыл бұрын

Dude, you are hilarious!

@user-kpkxgtj

Жыл бұрын

🤣🤣

I cannot believe what some people say!! I loooove these types of videos! Everyone tries to debunk Dave and his principles and ends up looking like an idiot. Classic!!!🤜🤛😂🤣

If I didn't know them, I would know they are father and daughter. This is the funniest and most wholesome clip I've seen so far. I swear I've had the exact same conversation with my Dad. Swap a slightly posh English accent for a Southern drawl and their reactions and expressions are exactly the same 😆

It always amazes me how credit cards are so common in the USA. In the Netherlands, most don't have one.

I am not a religious man but I have to say a lot of the stuff on Ramsey is full of common sense. I am somewhere between 19 and 49 weeks paying off my mortgage (which will make me completely debt free). Why 19 to 49 weeks? Because I overpay every spare penny I can afford. Best ways it will be the first week of February 2023, worst ways the start of September 2023 but most likely around April 20th 2023.

@MarleneHen

Жыл бұрын

Congrats!

@pauleff3312

11 ай бұрын

@@barbara4329 Hi Barbara. For the record, I made my final payment against my mortgage on 30 December 2022. It took me 2 years, 6 months and 2 weeks to pay it off in full. Now it has been paid, I am saving 66% of every penny I earn for retirement. This is easy - because the discipline to save rather than spend came from paying off this mortgage,

@cleliaparnell8743

8 ай бұрын

Good for you!!

“These are not the people I want to know” 🤣🤣🤣🤣

I love Dave and Rachel together on these podcasts. Amazingly funny and very sweet!!

I actually laughed out loud with some of those TikToks..so good that these guys here are busting the lies and stupidity! Thank you for this show!

Dave's expansion after watching The Clip, i felt that. 😂😂😂 Dave is right, these archetype dude-bro men just never grow up.

“These are not people I *want* to know!” You and me Dave.

"Great entertainment" is shoving people into relationships that aren't going to work because they barely know each other. Lol. That clip was hilarious though.

Everything with Rachel and her dad is the best they are so father daughter in their interactions

I liked the 'budgeting' is like a diet comparison at the end. The similarities are definitely there. Budgeting is for taking control over your money what eating out of your fridge is for your diet. You go to the store, have a proper plan what you will buy: adding up the things you need, calculating the deficit you might have and then you can consider if there's an extra chocolate bar in your plan.

@brucedagel3186

Жыл бұрын

One comment Dave made years ago sticks with me because it spoke directly to me, "The budget is the whip and chair you use to make your money behave." Restrictive? Yes, it restricts the power money has over me!

George: “you can’t spend your way into a meaningful life.” 👌🏻❤️

Honestly, love is blind live episode reactions with Dave and Rachel would be fun

Dave: “Chicago’s not good”👁️👃🏻👁️ Me: *in Chicago * 😂😂😂😂😂 He ain’t lying

Rachel please keep appearing on these episodes! I can see you Love your dad but I also can see you like to keep him on edge with some of your comments! I do however agree with you dad on the electric car purchase!

As an Illinoisan I agree with Dave's disgust of Chicago.

I love Rachel. She's so great..

@timetowakeup6302

Жыл бұрын

Great to look at

@dieuetmondroithonisoitquim338

4 ай бұрын

😅​@@timetowakeup6302

Rachel is so so right! it is an addictive show that you just have to binge!

@mermaidtingzzz

7 ай бұрын

Right, we love it so we can yell at it! Much like w the callers of this show, except Dave and friends are there to correct bad habits lol.

The underlying message for all of these TikTok videos is FRIGHTENING! The mindset is instant gratification and living for now. We have a whole group of people age 18-45 who are living for the now and it's so much more than just a money issue.

The McDonald’s comment about thousand island had me ☠️😂😅

I’m with you Rachel the show is sooo addicting!

23:00 fantastic way of saying shut up for a minute so I can speak. 😂😂

6:15 That "Thank you Jesus." had me rolling 🤣

This was great guys! I just LOVE Rachel ❤️ She's so entertaining and funny to watch. She and Dave have so much fun toying with each other. Guess I wish my relationship with my father had been anywhere close to theirs.

I can't stop laughing😂😂😂😂😂, I'm so rude...😂😂😂😂❤😂😂😂❤❤❤sorry. And then Dave says- it doesn't end well for him😂😂😂😂😂😂😅😅❤🎉

I love budgeting, bc there is zero guilt-you tell the money where to go!!!

I love how Dave put on the “dad hat” talking to Rachel.

Ohhh I LOVE George and Dave! Helps so many of us!

I love how Rachel pulled the cord until her dad started and then set back and started drinking her coffee knowing she did what she needed to do to get a response out of Dave

OMG I need to watch this TV show, thanks Rachel, such a bad influence 😂

The Netflix clip was great! Love it! Love that Rachel brings a different perspective!

Great show! I love all y'all. I haven't seen George before (been a while); he's quick on the draw ... fast smart thinker.

Chicago loves you Dave