You should really disclose Every Dollar is a Ramsey Solution product, not just "I really like it". Other than that keep up the good work Georgie

@SbzeroGames

3 ай бұрын

I think people can figure out that it is a Ramsey product.

@adam6674

3 ай бұрын

@@SbzeroGames You expect too much from people.

@cybertoeknee

3 ай бұрын

What do you mean disclose? It's clearly labeled as a Ramsey Solutions product on the website and app store. Dave even introduces his main show videos as brought to you by the EveryDollar app. If you want to complain just to complain then go ahead but you have your head in the sand if you don't know it's a Ramsey product.

@beaniemac

3 ай бұрын

Every dollar requires a subscription if u want to link in bank accounts as well.

@aphromew4502

3 ай бұрын

I also really hate that it's not free - at least 2 start. It will give you 2 weeks, before you have to pay 80 bucks for the year, but that's not even a whole month. It says it can be free if you manually insert your own transactions - but then it's a glorified excel sheet, I can do that myself. Seems like a missed opportunity is you ask me to really grow your user base.

In these uncertain times, it's more important than ever to have a solid understanding of how to manage your finances, invest wisely and navigate economic downturns. But my primary concern is how to grow my reserve of $240k which has been sitting duck since forever with zero to no gains, sure I'm all in on the long term game, but with my savings are lying waste to inflation and my portfolio losing gains everyday, I need a remedy.

@Suleferdinand

3 ай бұрын

If you need advice, consider speaking with a financial advisor. Don't get me wrong, you can do it on your own, but financial advisors have a lot more knowledge and expertise in this area.

@tatianastarcic

3 ай бұрын

you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited £560k in 2022 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.

@CraigLloyd-fz6ns

3 ай бұрын

That's impressive! I could really use the expertise of this manager for my dwindling portfolio. Who’s the professional guiding you?

@tatianastarcic

3 ай бұрын

'Melissa Terri Swayne is the coach that guides me, you probably might have come across her before I found her through a Newsweek report. She's quite known in her field, look-her up.

@GeorgeDean-km3wm

3 ай бұрын

I checked Melissa up out of curiosity and i must say i am impressed by her Credentials. i emailed her already, waiting on her response.

I will stick to my spreadsheet I've been doing for the last 20 years plus. Safe and reliable.

@thedude5040

3 ай бұрын

So I'm debt free, but only make a budget about every 6 months. It's alot of work so if I set a goal to budget 2x per year I'll at least do one.

@thedude5040

3 ай бұрын

I usually do quarterly goals with a string of months being spend as much as possible or burn everything, slam on brakes absolutely no spending. We now have $400k saved at 31 years old. It kinda follows my adhd seasons, I'm either on the ball or not there at all.

@georgewelker2846

3 ай бұрын

Spreadsheets are awesome but they are all user based, as in they still don’t do anything for you

@thriftymama3786

3 ай бұрын

I love spreadsheets but I really liked how Mint would link to my bank account so I didn't have to manually enter my transactions......I may have to try making my own spreadsheet anyway if I can't find a budgeting app that works for me

@pramwilson

3 ай бұрын

​@thriftymama3786 I transitioned from Every Dollar to YNAB three years ago, and it is AMAZING. I highly recommend checking it out. It's not free, but the amount of money it has helped me save has more than paid for it.

YNAB Classic. Remember when software was something you could just buy and use forever and none of this subscription or constant advertising crap!?? Yah, never letting this gem go.

@marshallwhite3780

3 ай бұрын

I love YNAB, worth every penny...

@ottovoss

3 ай бұрын

I was an user of YNAB Classic. The basic functionality remains to YNAB Web, but I have to admit that the new web version is better than the old one. Either way, LOVE YNAB

@philiptodak1076

3 ай бұрын

Pepperidge Farms remembers

@randomandy2023

3 ай бұрын

I still own ynab4

@pamelaburleson2063

3 ай бұрын

Some of us still remember MS Money. 🤣

Calls credit karma shady, doesn't disclose every dollar is made by the same company that pays him.

@mattbenz99

3 ай бұрын

To be fair, it is right on the top of the page that he links. It is impossible to miss the massive Ramsey name at the top. But ya, he should have mentioned the conflict of interest.

@TuneTuber

3 ай бұрын

@@mattbenz99to be fair…. Is like saying with all due respect. No one gives a shit

@kahrhoshe

3 ай бұрын

well as a member of credit karma and its only useful to track your credit scores and fight stupid shit on your credit reports. Or if you like cards they suggest cards for you.

@tendercrispbacon

3 ай бұрын

@@kahrhoshe George is 100% correct about CK. It just came across really weird.

@cherrywilson6267

3 ай бұрын

@@TuneTuberwith all due respect…you’re a clown

I didn't even know there was a Mint finance app. When I hear "Mint" I think of the Mint Mobile commercials.

@motoryzen

3 ай бұрын

Indeed and I also think of the Linux operating system I run daily

@MrLopez746

3 ай бұрын

It was an awesome tool for keeping track of your accounts. But good for you since you can't miss what you never had.

@JoeL-re1dc

3 ай бұрын

I have mint Mobile... love it, and panicked for a second when i saw the thumbnail...

@disguysn

3 ай бұрын

It used to be really good. :/

@priestesslucy3299

2 ай бұрын

I once accidentally downloaded this weird finance app when I was trying to download the app for Mint Mobile.

TL;DW the main thing about credit karma is that it is 95% ads for financial products. Mint was far less in your face.

why do i have a feeling this is going to be an ad for Ramseys app?

The best way to learn budgeting is on paper, on purpose. No ands, ifs, or buts about it. Same goes for woodworking or metalworking. In shop class, we had to learn the hand tools first before using power tools.

I use EXCEL for budget anyway. Easily modified to fit circumstance.

@nvc.

3 ай бұрын

I use excel as well, and program it to what fits better for me, also it's easier for me to just export to excel my online bank monthly movements into the spreadsheet and see what i did that month and prepare for the next one doing a 0 balance budget.

@rubyhaskell1325

3 ай бұрын

Yep, same!

@Leife22

3 ай бұрын

Your average person has no idea what Excel is, and is not practical advice for the average person

@nvc.

3 ай бұрын

@@Leife22 I agree, but people can also use a notepad and write with a pen all expenses and prepare for the next month.

@brandonsever2576

3 ай бұрын

​@@Leife22 Idk about where you live, but I've never met a person that doesn't know what an excel spreadsheet is. Anybody familiar with computers at least knows what it is. Now whether they have the skills to use it is a different discussion...

I don’t know how but you’ve managed to package an unbiased analysis that is more entertaining than the sensationalized segment of economic and financial news. Thank you for your efforts to be the signal and not the noise. I understand that the economy is currently in a downturn and that we must wait for things to get better

@ScottKindle-bk3hx

3 ай бұрын

As hard as it may sound you can plan for the recession. If you are working, find extra work and get an Invest--advisor. Protect your deposits by having enough cash in short term fixed income. Then cut your expenses. Minimal insurance, cut utilities.

@Derawhitney

3 ай бұрын

I think the current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner

@KarenLavia

3 ай бұрын

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

@EdwinSolomon-zs3nz

3 ай бұрын

Even if you have a humongous income you still need to draw up futuristic plans because anything can happen. One could lose one's job or whatever. Investment cannot be overemphasized. About your advisor, how does one reach pls

@KarenLavia

3 ай бұрын

Finding financial advisors like Margaret Johnson Arndt who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

I was a Mint user for 10+ years and this was the last straw with the change to Credit Karma. I signed up for Monarch which is so much better than mint. I wish I moved to Monarch much earlier.

@nikkibadzik3948

3 ай бұрын

What's monarch? Haven't heard of that one.

@adamjanecke1807

3 ай бұрын

Monarch money. It's a good app. I use it.

@flyfreak23

3 ай бұрын

Same!!

@Tech_Geek247

3 ай бұрын

@@nikkibadzik3948 Google search Monarch Money. It a similar service to Mint but with more features + no stupid ads. You can export data from Mint and import into Monarch as well so you don't lose years of transaction history. It does cost with a year subscription though but worth every penny IMO.

@nghibui6162

3 ай бұрын

Agree, monarch money is great

Moved from mint to YNAB. So happy I switched, YNAB is worlds better.

@lisaroper421

3 ай бұрын

High five! Me too! Wish it was a pay once and done, but I am impressed with all their support-- so I guess they need to pay for them 😅😅 YNAB has taken a bit of time to get used to, but I am loving it!

@Peter-kt2gb

3 ай бұрын

@lisaroper421 it's definitely worth it. I tried it a couple years ago and it just didn't click. But after I switched a few months ago and started watching thier content it made sense right away. I love the clarity it gives you and how customizable it is.

@lisaroper421

3 ай бұрын

@@Peter-kt2gb Yes, it's a pretty cool program once you get the hang of it!

@Aperez78

3 ай бұрын

Going to look into it! Been using mint for 3 years and I have loved it and so sad to see it go😭 I just need something that connects my cards, bank and investments to something and I can manually move stuff in it'd categories is all.

@JGComments

3 ай бұрын

I love YNAB but it’s gotten soooooo much more expensive. I don’t care about importing transactions, but I get that it’s a value add for most people.

My wife and I created a Mint account......2 months ago. We moved the Credit Karma. If you're willing to ignore the 10 different posts about what credit cards and auto loans you qualify for, the net worth calculator isn't too bad. So yeah........probably time to change again.

@corywhitney3861

3 ай бұрын

I use NerdWallet and it has been pretty good for tracking money. You can't necessarily have separate budgets (I hope they add that one day), but they have a beta feature where you can add recurring bills and it tells you how much you still need to pay throughout the rest of the month. It's my first budgeting app so I can't compare but it is worth looking into.

@katyedwards3935

3 ай бұрын

His app is great. Been using it for about a year now.

@katyedwards3935

3 ай бұрын

I've used his app for about a year now and have to say it's great.

@TaylorOwen

3 ай бұрын

I just opened a Roth IRA with SoFi and I can connect all of my accounts to the app for free. I like it so far.

@JMaki-mr2mh

3 ай бұрын

The money guy show has a net worth calculator that is excel based and a 1 time purchase. Nothing fancy but helped me see what I was doing and saved a heck of a lot of time.

Hi George! Keep up the great work

I love the every dollar app. I don’t see my life without it at this point.

I just use a pen and paper to manage my budget, I have been doing it for almost 50 years

Lynda here…I AM listening! I never used Mint. But honestly I don’t like the Every Dollar app. I use a budget notebook… Good ole’ pen and paper. 😎

Thanks for making this video. I've needed this for intel on whether or not to make the move.

another excellent video George!

I just made my own budgeting spreadsheet, then I can lay it out how I want. Plus I have everything in there even remotely money related. But most people could definitely benefit from something already done for them.

My wife and I are on Baby Steps 4-6. Not sure how we're ever going to complete 6... but we can dream, and we are. Anyway, I've always been a DIY guy, who budgeted using an Excel Spreadsheet and had difficulty anticipating spending month to month. Moved over to the free version of Every Dollar a few months ago, and am enjoying learning the tool. It's liberating to know where I'm spending, how I'm spending, and that I have permission to spend within self imposed guardrails. Still learning, but getting better. Love your book btw George. Like an updated TMMO for the 2024, only with a lot more humor! Hope to meet you some day.

Personally, I like a KZread channel that discloses it is pedaling an affiliate’s product rather than one the hides the ball and makes it look like it’s recommending an independent product that it doesn’t have a stake in. Why should anyone trust you if you employ such unethical advertising tactics?

@Alyssasue222

2 ай бұрын

It’s not an affiliate program He is directly associated with the app, it’s a Ramsey product and he is a Ramsey personality. His job is to promote all things Ramsey.

@SomeGuys31415

2 ай бұрын

@@Alyssasue222 You should look up what “affiliate” means: “officially attach or connect (a subsidiary group or a person) to an organization”. Affiliate covers someone or something officially/directly associated with something else.

@Alyssasue222

2 ай бұрын

@@SomeGuys31415 if you were promoting your own product would you tell people to check the link or the affiliate link??? Subsidiary is a key word in your definition. If anyone ever posts a link of any sort I personally assume it’s tied to compensation of some sort. I no longer require that special caveat. Perhaps I am expecting too much of humanity to have caught onto this trend.

I understand it - Mint was a big loss leader for Intuit, it wasn't converting into sales of other products particularly well.

@OscarHanzely

3 ай бұрын

Yeah they made sure the profit is coming after their user base grew to 3.6mmil customers. brilliant. Their stock is up 45% in one year. I think their revenue will be through the roof.

George love all your content! Ur really growing on me

I love your channel

The 5:53 edit of the guy playing the trumpet for context of leading people to debt killed me lol

I am still using Excel 2010, when I need a spreadsheet for anything, and if it becomes unusable I will use one of the free equivelants. But my day to day budgetting is done on paper, with a pencil !

@pingupenguin2474

Ай бұрын

Me too, with Word 2010 as well !

Finally, the content I have been waiting for.

I remember having a consultation with a financial analyst last may and it was incredibly insightful. I can't stress enough how helpful this experts are in this field. Kudos, you know your stuff. Also thanks to Larysa Caba for doing the most for me.

@leticiaenraz8514

3 ай бұрын

I absolutely agree. A good financial analyst can make the world of difference. What specific insights did you gain?

@fredrickalfarez6875

3 ай бұрын

I currently live pay check to pay check and would love to have all that changed. It's draining. How can I reach Larysa Caba?

@annddyyy-6920

3 ай бұрын

My colleagues had a good laugh when I told them I started my journey with as little as 1 k ca pi tal and how I acc umu lated over 5 f igu res over the months. They never believed me until I pulled out my P.

@annddyyy-6920

3 ай бұрын

I feel this is quite an easy one. You already have her name which makes it easy for you. Just look up her name online. I’m sure you will come across her. That’s how I found her too.

@annddyyy-6920

3 ай бұрын

You can also find her on

We have used Every Dollar for years and love it.

Not OK for Intuit to be shady, OK for Ramsey Solutions to be shady. Got it.

Brilliant!❤

Tangerine Dream back ground soundtrack at about 5:50 in the video... nice!

That bar they put for the advertisement is fire 🔥

shoutouts to the Monarch Money app

@OscarYourFavoriteMexican

3 ай бұрын

This is the way, Monarch Money is it

@mikewarmbold3820

3 ай бұрын

100%. Started by the former product manager of Mint. It is pretty much the best of Mint and the rule writing from Rocket Money in one. Highly recommend

Trust fall clip…I spit coffee everywhere. Do you know how long it takes to clean that up, George?! 😂

@richievaldez3607

3 ай бұрын

The “mint introduced to the market place/simba thrown off the cliff with the sound affect” was the funniest to me 🤣 George and his team are good at making memes

Creddy creddy karm karm is the most subtle but brilliant reference to parks and rec ever 😂🙌

@GeorgeKamel

3 ай бұрын

Thank u for understanding

I like the 80's synth in the background haha

You forgot the big one George, they sell your data for those “personalized recommendations”

I am sticking with ynab for the time being

Couldn't agree more about CK! My budgeting tool: an Excel spreadsheet!

I like my paper budget. I keep up with it way better than anything on a computer.

Used mint in the early days and was never impressed with it. Stuck with my excel sheets. Downloaded YNAB recently and it’s very impressive 🙂 might even move to YNAB from my spreadsheets.

I just do paper budgets

@dkstudioart

3 ай бұрын

Yep, it's not that complicated or difficult, I really understand why everybody needs an app for everything. I have very few apps on my phone and have no internet connected anything except for my phone and computer.

@jasonmoquin

3 ай бұрын

I literally write it out on a post-it. 😂

@alexpietsch7997

3 ай бұрын

Those work great for your social security checks

@oliviafox6745

3 ай бұрын

Amen. Unless the pen spills the tea, we're safe.

@KS-gh7oy

3 ай бұрын

Me too 👍

George, you make me laugh, and I love you.

I really liked Mint. I switched to Rocket Money which I don’t like as much but it seemed to be best value. It definitely helps to see where your money is going so you can monitor and control your spending and adjust as needed.

Here in the UK all the credit agencies have a conflict of interests in this sort of thing too. Best thing is to just not have credit and save some of what you earn for what you want. There is no such thing as a free lunch. You have to pay for it. If you wait, you will pay less and keep more of what you earn rather than giving it away to a bank or other financial institution

Bank of America offers features for budgeting and you can link accounts similar to mint. Although the user interface is a little antiquated, it still does the job and it’s free if you already bank with them.

Speaking from my personal experience, Every dollar premium has changed our lives, thanks for all you do. God bless🙏🏽😌

Filthy frank on a dave ramsey channel. We did it bois

U called it! ✅

I stick to scratch paper for our budget. Hasn't failed me yet...

@adriangonz899

3 ай бұрын

Honestly the way to go about budgeting your finances! Thought I was the only one

@Leife22

3 ай бұрын

You must have a lot of free time on your hands. No thanks.

@A2thaLO

3 ай бұрын

@Leife22 Not at all, it takes me about 10 minutes a week to prep my budget. 😊

@Leife22

3 ай бұрын

Versus five minutes a month? Still no.

@mpn984

3 ай бұрын

Agree, I have a hybrid system of paper and Google sheets to do the math between all my major categories quickly

We went with Count About after years of quicken. It’s been mostly painless.

Spreadsheet and chill!

I would love to hear y’all’s thought on YNAB. I know there a competitor but I was already using it when I started listing to Ramsey stuff but honestly I see no reason to change. YNAB was a huge game changer for my family’s budget as a one income family of 3

@marshallwhite3780

3 ай бұрын

I think YNAB is worlds better if you're hands on with your budget. Not to mention they're not as extreme on the CC stance while also maintaining a risk-averse approach to debt ..

@karindooley

3 ай бұрын

I have used YNAB for years. I thought I'd try Every Dollar at some point in there, but it made zero sense to me, so I cancelled and moved back to YNAB.

@lisaroper421

3 ай бұрын

Stick with what works! It is easy to follow the Ramsey plan on YNAB

@Rye_Toast

3 ай бұрын

If you're getting value from YNAB I would stick with it. If ED is actually "free" then you could always try it for a few months side by side with YNAB and then just let your YNAB expire. The hidden costs and differences should emerge after a few months.

@karindooley

3 ай бұрын

I have used YNAB for many years. I tried Every Dollar for a while, but came back to YNAB. It just makes more sense to me I guess and I like the way YNAB handles things better than Every Dollar. So, I guess I'm a YNAB lifer!

I’ve tried using every dollar on 3 different occasions,but it’s so complicated I just quit. My budget is always wrong because of that.Not making the same amount each week,bills being different from month to month causes problems. It could very well just be me,but I’m probably not alone.

@suen5006

3 ай бұрын

It's not intuitive. I couldn't figure it out at all. I do budgets the way I always have - pencil and notebook paper.

I was ticked when they said they were shutting down Mint. I tried out Credit Karma hoping it would do the same thing. It doesn't. Not even close. I can't analyze where my money is going and what habits i might need to change to save money. I can't see trends. There's no budgeting options that will warn me when I'm going over on something. Just credit scores i don't care about.

Things are getting o spicy for the pepper.

I made my own spread sheet for budget

What are your thoughts about YNAB?

@ottovoss

3 ай бұрын

Dave once mentioned them I believe... He doesn't like it because it let you keep using credit card.

@ottovoss

3 ай бұрын

In my opinion, YNAB is awesome! I love it and use it every day for my wife and I and our two small business. But, I have to admit is not the easiest to learn.

@gemnilocs

3 ай бұрын

@@ottovossthere is definitely a learning curve for using ynab...i gave up a couple of times and then started watching their tutorials and watching other people do their budgets and it finally clicked and I absolutely LOVE IT!!!! I only budget my actual paychecks and not what I think I am going to get paid so it definitely makes it easier for me.

the net worth tracking is still the same, but there are plenty of little ads now to sell you debt products

How the heck do you not mention Every Dollar ismade by Dave Ramsey. From the reviews I have watched it does budgeting the same way excel does, and does not have the features that Mint had for automating tracking of expenses into various categories. All while charging $17.99/month or $80 per year. More reasonable but still $80 more per year than mint was. This entire bash on credit karma was a giant add for every dollar without discussion of the monetary incentives for the company George works for. I like George, and that might have been an oversight but it certainly qualifies under deceptive business practices.

@ItsMicobs

3 ай бұрын

Lmao this whole video was to plug that app😂

@TheRealFrostysaur

3 ай бұрын

He has to plug the app. Dave is holding him against his will. Jk

@eg3961

3 ай бұрын

every dollar is a trash app above all that - they just wanna pump their products and shit on any competitor

@zeepapi11

3 ай бұрын

Honestly Rocket Money for $50 is the real winner here

@Zer0BurnOver

3 ай бұрын

This is obvious. Not Deceptive

I filed taxes for free in 2019 with credit karma. I guess intuit didnt like that cause they bought credit karma and scrapped file free. Terrible monopolistic company that fears competition.

Loved the graphs and breakdown on Mint. Doesn’t exist in the same environment on Credit Karma, so useless to me now.

@debthomas8799

3 ай бұрын

Monarch has the same types of graphs. Does everything Mint did plus a little more. I used Mint for 15+ years and am said to see it go. But I like Monarch

@SkYrImOverMW3

3 ай бұрын

@@debthomas8799 monarch cost anything? I looked, it does. Which doesn’t help me because I’m not going to pay money to access all the data I just received for free.

@SkYrImOverMW3

3 ай бұрын

@@debthomas8799 not paying money to access that data.

@SkYrImOverMW3

3 ай бұрын

Yeah but mint was free and I won’t pay money for that data.

Oh my GOD this is the last place I expected to see a filthy frank clip😂

Quicken still standing.

I use Excel for budgeting. Same for my fiancé (very differently though, which will lead to interesting budget plans and usage when we marry and combine finances). I love spreadsheets and creating a personalized budget that works for my financial goals. Of course, I understand everyone is not like me. Some people work better with an app, and that's fine. As long as you make a budget and stick to it. I just get annoyed I'm constantly having budgeting apps shoved in my face all the time. LOL

Credit products are profitable for those offering them, and promise an "easy," but much more expensive, method for users.

Why would you use a Ramsey app that makes money selling your data? There are open source solutions or just use a spreadsheet

@jeremybost8873

3 ай бұрын

Could you give some examples of your open source solutions? Might be more helpful to others looking for alternatives

@GeorgeKamel

3 ай бұрын

We don’t sell your data.

@me-myself-i787

3 ай бұрын

​​@@jeremybost8873HomeBank is an option, though I'm not sure whether it's able to automatically import data from your bank account like EveryDollar Premium does. Other options include GnuCash and RecurringExpenseTracker.

Get Wishbone on the case! 😂

I closed my credit karma account. I got tired of seeing all the recommended products.

Every Dollar is not available in my country. YNAB looks the nearest, but I haven't tried it. Have used my Excel 2010(!) but ended up just using paper and pencil !

@Jess-737

Ай бұрын

Do you have Rocket Money or Pocket Guard available there? Those are two good free apps.

Mint made it impossible to delete your account. Such a scam

@MundaneGray

2 ай бұрын

Why do you say that? I deleted mine with no difficulty.

Simplify by Quicken.

A custom-made Google Sheet >>>

YNAB is similar and is amazing.

Pizza party this Friday see you then 😁

What about monarch?

Credit Karma and Borrowell pretty much dangle credit cards and loans in your face like a beer to an alcoholic. If you aren't disciplined enough then I would advise people to not join either of their credit monitoring companies because you will be tempting to apply for a cc. I miss mint but my online bank works similar to mint and I can monitor my spending with pie charts and category break downs.

The wife and i don't budget... We just live a modest lifestyle and whatever is left over we save... It's going fine.

This video makes a great point and I agree that funneling Mint users into CreditKarma is horrible for the average American consumer just trying to budget responsibly. But I agree with other commenters that not disclosing Every Dollar as a Ramsey product upfront, in the video, or even in the descriptions, is a bad ad. You can and should push products you think are good but disclosure is important.

Credit Kama is always a month or two behind updating your credit score!!

I think my favorite is Rocket Money

@based4599

3 ай бұрын

Lmfaooooo 🤣 paying to cancel subscription

@larrysmith2655

3 ай бұрын

@@based4599 If you are paying 7$ for the subscription but it saves you 70$ in time and money, it’s worth it. I love the interface, and the ability to simply see all subscriptions, spending, etc. everything is separated and laid out beautifully

We get it, Ramsey Solutions would like to acquire all of the old Mint users for Every Dollar. This isn't biased at all. 🤨

thanks glad I decided not to use credit karma

I haven't found a single budgeting app that I actually like. I've always used spreadsheets that I created myself and I'll always stick to them. But I think for people who learn budgeting for the first time, an app could be helpful.

@btw-3006

3 ай бұрын

I personally like Personal Capital through Empower to track all my spending and investments.

@joehenry9546

3 ай бұрын

Monarch

George be honest and say that this is a commercial for EVERY DOLLAR.

@GeorgeKamel

3 ай бұрын

Just because I have a solution doesn’t mean it was the cause

@aaronarguetagoogle2296

3 ай бұрын

@@GeorgeKamel cmon George you have a clear conflict of interest. Its just fair to let us know that.

@claytonstarwalt9914

3 ай бұрын

Most of social media and KZread are just product commercials, Same with the Ramsey Show, there is no free advise/product, there will always be a sale pitch/ad for something, look at the product placement in the background, Not selling personnel data is the only difference between the apps, both have ads.

George runs the best personal finance channel

Which one would you recommend in Canada, please? Merci 🙂

would be nice to mention that the app you're pushing is owned by your boss. 😅

@dpayne1943

3 ай бұрын

The Ramsey clan do this all the time. They act impartial and then, Ta-da, the winner is Every Dollar.

Still waiting for a credible poster to illustrate how he or she actually tried the whole Ramsey method and wound up broker than when they started.

@danfordtv

3 ай бұрын

You can find them on Ramit Sethi's podcast. Lot's of people have tried Dave's way but it was "too hard" so then they to go to Ramit and will likely still fail at it and be in debt.

@Galworld761

3 ай бұрын

Both are fine. Some people respond to sledge hammers and others respond to the velvet hammer. Both discourage debt, big house and car purchases and investing. I like the Money Guys, best.

@jeffleonard343

3 ай бұрын

That’s cause if you do follow the ramsey plan you wouldn’t go broke…… You budget. You learn to earn more. You don’t take on debt. You live on less than you make. You might not like the plan so you’re welcome to try others

@jeffleonard343

3 ай бұрын

@@danfordtv sounds more like they tried to”their own” plan. Seriously live on less than you make!

@EricDaMAJ

3 ай бұрын

@@jeffleonard343 Yep. Here's the funny part. I never did or paid for any Ramsey program. I literally got rich living on less than I made, paying off my debts, and investing aggressively. I never even heard of him until _after_ I reached Financial Independence. I have some disagreement with him concerning Money Market Funds (I prefer Index Funds) but that's it. If I had a real beef about his advice it's that most of it is as old as the Bible (if not from the Bible) and free. But even though he's charging for free advice, people need that advice and quite a few do exponentially financially better even after they pay for it.

My only reason I didn't switch from mint to every dollar was they don't handle credit cards. That's the only subject I disagree with the Ramsey team and so the app is useless to me if it can't track credit card spending.

@marshallwhite3780

3 ай бұрын

Try YNAB, they have a 34-day free trial and are a happy medium between reasonable Zero-based budgeting with credit cards and Ramsey Solutions...

@marshallwhite3780

3 ай бұрын

Pretty sure moderators deleted my comment, but try YNAB. They have a 34 day free trial. It's a Zero-based budgeting app that tracks all accounts, including CC, it's a little more of an involved process setting it up, but it's so worth it...

@docb77

3 ай бұрын

Sounds like you should try YNAB then.

@f18hornetm

3 ай бұрын

you cant pay for it with credit card but It handles my credit cards in the budget just fine.

@tpolarbeart

3 ай бұрын

@@f18hornetm that's good to know. Everywhere I read it didn't work with credit cards. Unfortunately I already paid for a different budgeting app

I hated the mint app. It was awful.

Was that joji with the pink hair?! 🤣🤣🤣🤣😂😂😂

I love Everydollar!!!

Off the subject but I have 2 show ideas or questions to answer on Ramsey: is it ok to buy a modular home? I know you say not to buy mobile homes but is modular ok? And should I worry about my life savings being with one investment firm such as vanguard or fidelity? What if they go under? I saw this question asked on ChooseFi facebook group and I’ve often wondered myself. 😊 Thanks!

Even if you don't watch this for information, it is quality entertainment. Great video!

@TheHoriginal

3 ай бұрын

Agreed 👍 lol

Mint shutting down was one of the greatest things that's ever happened for Dave as he can sell a subscription to his own budgeting app now.

Credit Karma isn't even on the same level as Mint. The almost live data info that Mint was able to track. CK can be months off. This makes the info they show almost always inaccurate.