MAKE SURE TO HIT THE SUBSCRIBE BUTTON! Thanks for watching. kzread.info

@snoopys14

6 жыл бұрын

The Dave Ramsey Show can u link some of the debt free screams u was on about I wanna watch them

@rachelhill4477

6 жыл бұрын

would have been nice if you would have given people some real advice about not being broke. not just common sense. I know everyone doesn't have it but come on now. this video was not very informational. just you rambling on about people overspending

@bdstew

6 жыл бұрын

Rat

@adamadkins4485

6 жыл бұрын

Beenthere Donethat amen that's the truth and I've been doing th at for years and it never fails

@fred96002001

6 жыл бұрын

i need some finance advice. when can i call in and what is the #.

Easiest way to stop being broke. Stop caring what your friends and family think about your possessions and lifestyle.

@abdulhai93

5 жыл бұрын

THIS!!!!

@davidb8777

5 жыл бұрын

I agree however... Good luck finding a woman who will understand that frugal living is very different from being cheap. At least where I live, you have to walk a fine line between planning for the future and having a date in the present.

@tamerakraft9199

5 жыл бұрын

Sadly I did not do this now money that should have lasted me 3 years is gone in 8 months....I cry everyday

@davidb8777

5 жыл бұрын

Tammera, no need to cry. It's almost never too late to turn your financial situation around. Realistically, it will become harder the longer you wait so try to start today!

@denispalacios5485

5 жыл бұрын

Romantic Donkey the best advise. We, the poor live to pretend. The rich, to invest.

When I first read your book I was living paycheck to pay check. 5 years later I have a years worth of income in the bank, and the only debt is my house note. House is on track to be paid off in the next 4 years. Thank you.

@shereenhenry6474

5 жыл бұрын

Which one?

@WLOGDM

5 жыл бұрын

Yeah which book?

@wisdomandlove1661

5 жыл бұрын

what city are you in?

@fathergvd

4 жыл бұрын

Which book?

@toms.4382

4 жыл бұрын

Kira probably total money makeover

He needs to teach classes to every high schooler. If I knew this stuff before I went to college I wouldn’t have loans.

@gracenmercy579

4 жыл бұрын

My daughter is 17 years old, and she is applying for scholarship. We talked about be aware of not getting into debt for college it is not worth it, you will have to pay all that. There is no use to go college if you are paying all that debt. Be wise

@gracenmercy579

4 жыл бұрын

It’s a good reminder for parents to teach there children about money

@thankfulblessed8496

4 жыл бұрын

Same here !

@TheoGarza

4 жыл бұрын

Amanda Alfaro He actually does have a course for high schoolers. His daughter and friend are the main speakers in it. I took it my senior year. It’s very helpful.

@spetrenko7149

4 жыл бұрын

Amanda Alfaro COME ON!!!!

The best way to double your money is to fold it in half and put it back in your pocket👌🤑

@manchesterman1988

4 жыл бұрын

Chasity Marie 😂👍

@roseeze166

4 жыл бұрын

😂🤣🤣😂😂🤣🤣😂😂

@debl6772

4 жыл бұрын

My dad taught us that lesson. Wisest words ever.

@christinemaria77

4 жыл бұрын

Clever

@RexyFan

4 жыл бұрын

Hahahahaha 😂 I’m using this in the future for my kids. Like Kevin Hart says.... they gonn leaarrrnnn today !!

I used to work with a guy who was a Dave Ramsey fan. Although we got along well, he would never go out to eat for lunch, go to the movies or happy hour with me. The only entertainment allowed was to go for a walk. Now I understand.

@Jennifr1966

5 жыл бұрын

I knew a lady like that. They took the kids out of private school, moved into tiny cheap rental, sold their expensive cars and bought cheap ones. Spent five years being cheap skates. Now they have a beautiful house, nice but older cars, etc No debt. She teaches how to use coupons effectively, and she uses a lot of it to give to church and others.

@sandiego619tj

5 жыл бұрын

😂😂

@juanb1203

4 жыл бұрын

I think that's a little too extreme! You have to enjoy life some, we're not going to live forever 😏

@juditharsenault2131

4 жыл бұрын

@@juanb1203 it's fun to live like that!!

@onehamm4462

4 жыл бұрын

That extremist... Strike a balance. When you die, you cant spend money, think about that. The problem is when you do not INVEST your money.

Making my last payment on my last debt.. finally out of my mess, baby step 3 starting tomorrow

@Jewell579

7 жыл бұрын

Congrats Josh. It will feel like such a new day.

@nrsimmons178

7 жыл бұрын

Joshua Woodford So excited for you! Congratulations!

@michaelstepp8883

7 жыл бұрын

I'm right behind you I am working on my last $8,500 out of the $31,366 that i started working on 7 months ago

@Skweepa

7 жыл бұрын

+

@BoundlessEyes

7 жыл бұрын

Congratulations!

Here’s how to NEVER go broke. Train yourself to HATE SPENDING MONEY, and start LOVING TO MAKE MONEY. You never be in the negative 💯

@Andrew4d

5 жыл бұрын

That's my lifestyle :)

@leifc.6045

5 жыл бұрын

Also, learn a side job other than working 1 job, gain some assets heck, learn to barter, could be useful at the end... u never knoww

@burryeezy8837

5 жыл бұрын

That’s wear I’m at now. I can’t even shop for clothes from the mall anymore. Disgusted with spending.

@vianjelos

5 жыл бұрын

I cry when I spend money...I have money just dont like to spend it..its a nice feeling to not have to check my bank account before buying something..but I always feel sad when I have to spend it. I always check and double check for the best value and cheapest price and make sure I really need something before I buy. I treat myself a few times a year but thats all.

@reeldeal2149

5 жыл бұрын

Or learning how to let money work for you

Laughing so hard I'm crying..."call the wambulance."

@MrJamieBattle

5 жыл бұрын

K TaVonne “we all work hard” 😭😭😭

@52naturalhairstyles

5 жыл бұрын

Joshua Mills I receive that! 🙋🏾‍♀️

@mikenelson8377

3 жыл бұрын

@@MrJamieBattle broke people: “we work hard.” DR: “That’s cute.” 🤣

Every time I start acting financially like a child and loose the grip, I turn on any Dave's video and come back to a healthy attitude on money.

@mariannesfunventure6211

7 жыл бұрын

You and me both. I stopped watching him for 5 months now I need to watch his videos again to get back in the game.

@summerbreeze553

7 жыл бұрын

Inga Teraude , me too!

@LGnLA

6 жыл бұрын

💯💯💯💯

@raulito5000

6 жыл бұрын

Same here ... keeps me inline by listening to the podcast everyday

@nyaneece

5 жыл бұрын

This is me!!!

I paid off my car note and credit cards and student loan is next.

@JonasPolsky

5 жыл бұрын

Get it!

@idinlvvegas5528

5 жыл бұрын

👏👏👏

@BriLoveMusic

5 жыл бұрын

Nice!! Keep going! 😃 it'll feel so good to be debt free!!

@Morphedintoiat43

5 жыл бұрын

👏👏👏👏👏👏👏 whooohoo girl!

@josh_7569

5 жыл бұрын

Nice!

This guy is like the financial uncle I never had

I have run the gamut from not knowing where my next meal is coming from to having so much money I didn't know what to with it. I never once felt "broke" because i shifted my priorities every time. Now at 42, I am "retired." When I had abundance, I made sure to save and invest. I didn't live a lavish life however, I did splurged when the math made sense. When it was famine, I made sure my basic needs were met. The single biggest thing I did was to eliminate debt and not get back into it.

This is going to sound a little flippant but listen to this dude. His process made me wealthy at 45. Serious. I still listen.

Don't ever go broke, just ACT BROKE so you never have to be ;)

@therogueflieger

5 жыл бұрын

I live paycheck to paycheck, but only because I invest/save most of my paycheck.

@jenniferalva9678

5 жыл бұрын

Not Your Average Joe sounds good to me

@BriLoveMusic

5 жыл бұрын

I think my family thinks we're broke actually lol I find it funny. We have a savings and pay things in full so it's ok. But let's be balanced and be generous even in our wisdom of saving and investing. ☺ Its easy to get stingy if you don't. 🙄

@rodrigofernandez9055

5 жыл бұрын

Good tactic.

@mariamarindawson4157

5 жыл бұрын

Rich Broke.

If you're too tired to cook, peanut butter sandwiches or cereal and milk are easy

@KaiWhite35

3 жыл бұрын

Lol

@MissMusicLover131

3 жыл бұрын

They're incredible when you are exhausted !

@Big-mike07126

3 жыл бұрын

@@MissMusicLover131 Amen 🙏

@Jay_Lo

3 жыл бұрын

Girlll this is good eating too!

@ChristysChannelYall

3 жыл бұрын

I like ramen noodles occasionally too!

I paid $29k in credit cards 💳 this month and feel free! Took me 12 months thank you Dave!! ❤️❤️

@bettfly

4 жыл бұрын

How you did it

@TheHorrorWithinUs

4 жыл бұрын

@@bettfly I swear people post stuff like this but it never happened. If it did, they'd love to help others and share their knowledge. Being in a great place financially and in life feels good, helping others feels 10x as good.

@cm01

2 жыл бұрын

i think she means she finished paying off $29K that day, not that she paid $29K on it in a single month

Cutting foolish people out of you're life definitely helps.

@mariamarindawson4157

5 жыл бұрын

And the ones that like borrowing money.

@GuillermoRodriguez-gu3oq

5 жыл бұрын

So true

@rec1962

5 жыл бұрын

Your. You're a fool

@marthaalvarez8872

5 жыл бұрын

You ain't never lie

@ms.anonymousinformer242

5 жыл бұрын

Yeah for me it means getting a divorce.

My father is frugal and I am the opposite. I always thought my dad never enjoys his life by skipping the luxury when he can afford it but only because of him I am having a good life. After listening to Dave Ramsey, I have realized my dad's perfect and I am going to follow his footsteps

@thethcgrower7895

5 жыл бұрын

Same here

@RochelletheRealtor

5 жыл бұрын

I hope you show this comment to your father. He’d be so proud of you.

@lynn14921ify

4 жыл бұрын

Sharath Bs Awww nice! 👌🏾😊

@lisamugavero4946

4 жыл бұрын

My dad too! He was always saving saving saving, living frugal... always told me to save and think for the future, of course I thought he was nuts! Now I realize he was 1000000% right. He’s retired, collects pension, 2 rents from his tenants and his mortgage is paid and is living THE life.

@TeslaBoy123

3 жыл бұрын

Better u fallow his step if not u done sleeping in u a tent when u drain all father money 🤪

After a year of watching Dave Ramsey videos, I reached my breaking point and I moved back home and paid off four credit cards in two weeks by following the baby steps. I’m determined to one day to the debt free scream.

@lamonthamilton667

3 жыл бұрын

Thank you for Seeing out the tunnel instead of the Light at the end.

@MD-pz3cn

3 жыл бұрын

How have things been going?

@choosetoshine2610

3 жыл бұрын

Good for you! Keep going.

@Psypomp

3 жыл бұрын

Whoooa that's amazing! I hope things are still going great for you!

@cocomint26

3 жыл бұрын

@@MD-pz3cn not good more expenses came up i need to start over 😩

"Big hat no cattle" my favorite phrase, Mr. Ramsey is the finest Texan I know.

This man is an intellectual savage and it inspires me lol

@jeremyselb3130

6 жыл бұрын

Sylvester McNutt III Dude, I agree.

@kristethba7475

6 жыл бұрын

In reality, it's nothing truly MIND BLOWING. All he is stating is common-sense. Simple math is common sense. You really do not need college level maths to figure out a budget. The problem is consumerism and the ignorant fools who want to live beyond their means.

@stevejohnson978

6 жыл бұрын

Kris Teth Ba Thx, great interpretation. Dave Ramsay does a good job of explaining too.

@treesnhoney

6 жыл бұрын

Sylvester McNutt III 😂😂😂

@chopsbump1

6 жыл бұрын

Sylvester McNutt III LOL then you don't take much to inspire you

I put approx $35,000 away last year for retirement last year and drive a Honda Civic with 220k miles. I plan to retire at 55 and keep conservative lifestyle.

@drewwitherspoon3538

7 жыл бұрын

Dave Jones 👏👏👏👌👌👌 that's amazing Dave. Glad to hear things like this are possible with a disciplined mindset!

@SaintJoseph911

6 жыл бұрын

What's your job if I may ask

@aboddeyaa2916

5 жыл бұрын

Erwin Ahlers x

@123mcgarrigle

5 жыл бұрын

I’m saving $80,000 a year at the moment, I make $110,000 after tax. Currently 19 and running my own business. I hope I can keep it up into my 40’s. Then retire😏

@halipatsui9418

5 жыл бұрын

@@123mcgarrigle daymn what kind od business you run?

I'm tired and I don't feel like cooking in my house means we're having cereal. I call it "fend for yourself" night.

@The.45Monk

3 жыл бұрын

Wow... I thought my mom was the only one who said that. All. The. Time.

@speeddemon0712

3 жыл бұрын

My mom used to call it "grab yourself" night. It sounds dirty when I type it out, but it's just something we said for years. I usually grabbed cereal. Can't go wrong!

You've been a mentor, pretty much a father figure to me. 32 I found you. I had a PhD in dumb. I was the example of how to be broke! I've been working since I was 16. I'm 34 and my life has been completely changed! I learned how to be a responsible adult, as well as a better man! Thank you for your message and your passion!

@PrincessMultiracial

2 жыл бұрын

“PhD in dumb” 🤣😂😭 LOL good one

STOP BUYING THINGS JUST TO IMPRESS YOUR FRIENDS OR FAMILY.

@binozia-old-2031

5 жыл бұрын

sometimes its to impress people you don’t know

@DaPoopIsInDaPudding

4 жыл бұрын

Abdul Hai turn caps lock off and follow your own advice

@robertomartinez-martinez5668

4 жыл бұрын

Simple i have no friends or family

@snipedurbuttman212

4 жыл бұрын

I buy things because i enjoy them not to impress anyone

@Crimson_626

4 жыл бұрын

@@snipedurbuttman212 Same here brother, but there are a lot of people that do it to impress others.

Amen. My 2 roommate eats out 1-2 times a day and are constantly concerned about bills. I'm about to buy a little house and land next month with cash, because I refuse to pay interest for anything!

@TheBarbaraclark

5 жыл бұрын

Awesome

@brianb900

5 жыл бұрын

Jillian M are you available? Lol

@GuillermoRodriguez-gu3oq

5 жыл бұрын

Congratulations

@seanearl

5 жыл бұрын

@vulpix I take your point- living in an area of extreme housing prices is difficult. We chose to buy a house that was within our range, but had to sacrifice living near family. Otherwise, we'd be saddled with a mortgage for the rest of our lives rather than buying a house in cash outright, in a nice neighborhood.

@jamesredman462

4 жыл бұрын

Saving money for purchases is great. Just make sure you get your money's worth. Cheap houses can also mean so negative effects, such as being located in a dangerous area and has many damages where the costs is greater than the value.

Dave Ramsey's insights have been a game-changer for me! His practical approach to financial management has empowered me to take control of my money and work towards a debt-free life. The Total Money Makeover is my go-to guide, and I appreciate how he breaks down complex concepts into easy-to-follow steps.

@jeffyeager1997

6 ай бұрын

Keep on truckin buddy same here I make 106k a year and have 27k left on credit cards Im attacking them

I read his book , applied his lessons and now I can afford to work part time to balance my work life and family life. Paid off all my debt except for bal on my car! It feels great!!!!

@kiy8528

3 жыл бұрын

Congratulations. I don't have a family yet but I'm working hard now because I want a part time job and a balanced family life later.

@dianer8881

2 жыл бұрын

I worked part-time without child support.

When I'm tired and don't feel like cooking I just eat cereal for dinner. lol

@IaintTrynaGoOutLikeBIGnPAC

5 жыл бұрын

I can top that. When I don't feel like cooking, I drink water and eat air!

@SnedzTheBricklayer

5 жыл бұрын

Only difference between you and most people is you actually admit it lol

@jeanettamoore5039

5 жыл бұрын

😂😂😂 same!

@Pandadown9244

5 жыл бұрын

Me too

@eddiecedillos8417

5 жыл бұрын

Cup noodles

My spouse is a high income earner. One income household. We are 33. And we have about 150,000 in assets. We own a home with mortgage payments. Other than that, we have no debt. We drive old cars. We have no payments on anything than our regular bills and even our bills are very minimal. I don't subscribe to a bunch of things. By the end of this year we will have more than 200k in assets. While friends are taking nice vacations, driving new cars, eat out and go out for entertainment; we as a family choose to stay home in evenings, chill, eat at home and enjoy simplicity. It's easy for a stay home mom to go out and want to spend but I sit my butt at home unless I'm going out to volunteer or meet with a friend for coffee. I can't wait to pay off our home and be super wealthy before we're 40! Edited to add: in our 20s we made stupid decisions. We learned from that and became very frugal and pray about every big purchase.

@noziphokhumalo2963

6 жыл бұрын

JellyBean Planner so proud of you guys.

@JimmyCee123

6 жыл бұрын

You want a digital milkbone?

@JimmyCee123

6 жыл бұрын

no donkey joe. i do quite well and am a red blooded conservative. there's no need to reply on a forum how well i am doing or not. its pointless bragging to an imaginary crowd.

@TSAVVVV

6 жыл бұрын

Just dont forget to live! Life is not all about savings all your income for retirement...

@MrAceman82

6 жыл бұрын

We have also made stupid things in our 20s, but became mature during the years when raising our own family. We also live frugal, and try to pay off all our debts to end of 2018. The mortgage should be paid for less than 3 months, I hope. We also drive old cars, pay all bills on time, not going out and don't travel during the weekends. Those are temporary sacrifices whose worth in long term. We pays everything by cash or debit card. The only thing which we don't save is healthy food, we prefer quality food, than junk food. Next step is building a legacy and wealth.

Be weird! It does feel good being 34 with 250k in the bank! Best feeling ever

@carlitoes3998

5 жыл бұрын

Matt Game tell me How? gambling!

@mattgame84

5 жыл бұрын

@@carlitoes3998 started saving at 13 years old. Had 20 grand by 17 years old. Hard work and saving multiplied by 20 years.

@mrholmes8

4 жыл бұрын

The most I can save with my current income is 600 dollars a year so it will take me a long time to reach 250k.

@jhoncena1111

4 жыл бұрын

@@mrholmes8 How many hours do you work per week?

@tomd1434

4 жыл бұрын

Humility is a virtue.

I just want to say thank you for educating me growing up. My father forced us to listen to you in the car. I hated it growing up but now that i am an adult, I am smart with my money. And I love listening in now that i am an adult. Thank you

@Spacemonkeymojo

2 жыл бұрын

Is your dad rich now?

Broke people always have money for cigarettes, alcohol, gambling and eating out... priorities.

@mcdougle5772

4 жыл бұрын

paintball130 Exactly!

@slumpnmyrump4986

4 жыл бұрын

Ah the essentials

@wendyaston7836

4 жыл бұрын

...and tattoos

@vanessamcdermott1089

4 жыл бұрын

Very true

@JKRoth-jh2im

4 жыл бұрын

... the newly released game.

I'm 14, helping my families buisness, one of my older friends recommend you. start early on how to deal with finances and won't be in debt. it's a good idea

@AdaEstherGJ

6 жыл бұрын

andrew stec that's very good. Starting early is the best we all can do. After taking the financial peace universe class I've encouraged my teenage brothers to do the same.

@HereIsWisdom1318

6 жыл бұрын

andrew stec Just don't fall into the trap think that you HAVE TO HAVE CREDIT; and that "bad credit is better than no credit". It's not true!

@cars_are_cool1690

5 жыл бұрын

I'm in the same position but I branched off my dads business and we ended up closing down my dads business and put money and resources in mine because it was making 3x's more money than his. My only advice for is to be innovative and help out your family business as much as you can.

@samramos1470

5 жыл бұрын

not spending like a maniac and having a good credit is godlike. what are you even on about

I love saving my money and i’m a filipino kid who have 1,000 $ in cash, 16 years old. It’s hard making money in the philippines

@w04andia

4 жыл бұрын

Well done

@retchbill2968

4 жыл бұрын

Good job!

@jeremymartin9148

3 жыл бұрын

Keep hustling

@sassygrass8646

3 жыл бұрын

Great job!

@rizkiyoist

3 жыл бұрын

Don't just save it, invest, otherwise inflation will eat your savings FAST.

This man should be a college professor

@amadeuzlo

5 жыл бұрын

No, he should not. He educates more people like this through his videos, books and programs.

@UltimateTexasHoldemGuru

5 жыл бұрын

He makes more money selling books about common sense

@buddypng31

4 жыл бұрын

They should show this to juniors/seniors in high school so they dont make the mistakes a lot of people make that aren't educated on money mgmt

@aarontelesz7864

4 жыл бұрын

buddypng31 His company does have a high school curriculum in quite a few high schools around the country. The problem is that most high schoolers can’t apply any of the knowledge they are learning so it goes in one ear and out the other.

@yoyoyojoe619

4 жыл бұрын

He should teach at Financial Peace University!

22 years old I suffered a ruptured appendix that was misdiagnosed for a month and I ended up spending a week in the hospital and ended up covered in debt. 10 months later I have one medical bill left and I should be debt free in 2 months. Couldn't be happier to have my health and my financial freedom.

Boy i just got my @$$ handed to me by Mr. Ramsey. "Adults develop a plan and follow it CHILDREN. do what FEELS GOOODD!

Thank you for your message, Dave. Because of you, I'm 19 months away from being debt free! I've been following your plan for a couple of years and I can see the light! People don't understand me, but I'm focused. It's about my life......thank you.

@IzziedeD

2 жыл бұрын

Checking in... How are you doing on your baby steps?

Moving into a tiny house in my friend's backyard was the best thing I ever did. Don't have room to buy anything and she only charges me 300$/ month

@writingonthewall3326

4 жыл бұрын

Sounds like a good base of operations

@dianer8881

2 жыл бұрын

Lucky!

I make a living hurting your feelings. This is why I love Dave.

I’m watching this from the U.K. - some of the terms are different, but the principles are universal - your income is your income, live within your means - treats needs to be paid for IN CASH and whatever you earn, put something aside for a rainy day. Dave talks about “big hat, no cattle” My English granny used to say “fur coat, no knickers”.

@lesleyhubble2976

5 жыл бұрын

Iain Dennis lol my nan you to say that also

@ScottAdamLancaster

5 жыл бұрын

Completely agree, putting money away is a great idea and is useful in the long run. We have a KZread channel for start-up entrepreneurs and small businesses. Feel free to check it out if you get a spare sec. Have a great day, Scott

I was thinking of paying off my car and buying a new one right after because I really fell in love with a new car I've seen. Watching this helped me decide to keep my current car. I mean, I KNEW that's the right thing to do, but in this materialistic world it's easy to fall into the consumerist trap.

@byanymeans214

4 жыл бұрын

Yea that's how I feel, no more Payments after mine is paid off.

@surfkroq1

4 жыл бұрын

My car is 16 years old, I baby it and just need minor repairs here and there. My car looks good yet, runs good. No car payments. I'm starting to think of ways to save for a new one. I do NOT want a car payment ever again. I will get a new one soon, but we'll make sure I have funds to do so.

@writingonthewall3326

4 жыл бұрын

Honesty

Anyone remember when credit was taboo? Having pride in your life was saving for things and paying cash for them. Today, instant gratification is promoted SO much!

@tryingndoing

15 күн бұрын

Blame the 60's. "I want what I want when I want." Star student here.... And in debt! Looking forward to more Ramsey common sense!

I only make about 19,000 a year, but I have 7000 in the savings, and zero debt! I paid off my car right when I bought it. Im investing about 100$ a month,and my college classes are being paid for by the military :P

@vernonasian

6 жыл бұрын

Thanks for your service! Good job on you man!

@theresanwabia3913

5 жыл бұрын

This is seriously impressive on such a low income. True dedication

@darlenepaul2934

4 жыл бұрын

Great job!Thanks for your service.

@RKmndo

4 жыл бұрын

There are a lot of good jobs out there with tuition assistance and other good benefits packages that actively seek veterans. You can make WAY more than $19K/yr. Apply for a big-city municipal position. Apply at railroads. Double, triple, or quadruple your job income and get a good benefits pkg.

I am a low income worker who is NOT on food stamps or welfare because I spend on what I NEED before what i WANT.

@moebanuelos981

5 жыл бұрын

Danielle C take advantage of the system as they do you

@joecurran2811

5 жыл бұрын

I wish more people were like you.

@tswagg504

5 жыл бұрын

You would have more of what you wanted if you utilized all the resources available to you, including welfare if you qualify for it. Use it to save your hard earned money and then get off of the system. If you’ve paid taxes in your life, you deserve a piece of the pie when times get hard. Don’t let pride get in your way.

@tracyspenst6039

4 жыл бұрын

Good for you! I know folks say to take advantage of the system, but your self-respect is worth loads more than any food stamps will ever be. The system is there for those who NEED it, not those who can do it themselves and are proud to do so, regardless of income level. You’re amazing!

@joegray6269

4 жыл бұрын

That's smart

"Normal is Broke!" Yep! Very true ... BEST rant ever!

"$30,000 a year you already can't breathe." Thank You! I had to leave a corporation that I liked working for, because my annual salary just didn't cut it with a Bachelor's degree in their field of work

"you know how I know we're broke, because we don't have any money." this dude is a hoot.

@icarezerobitch3241

6 жыл бұрын

Alfienyka Stinson hahahahaha

I turned 19yo not too long ago and got my first job at a McDonald's. I make around a minimum $340 every paycheck, though atm I'm looking for a second job. I'd honestly rather work at a retail job, it's really hard getting a raise at fast food jobs. I have a little over $3,000 in my savings so far :)

@jj4ester366

5 жыл бұрын

Keep it up man! You're doing great!

@youtubedrifter5594

5 жыл бұрын

You have more in savings than 80% of adults

@swilhelm3180

5 жыл бұрын

Your post will inspire thousands starting out. How people START is so important. Its all about percentages and good habits. Well done!

@the_newgenesis

5 жыл бұрын

Ghoulifyed You’re on the right track. Keep up the good work and hope your savings continues to increase.

@wendyyvonne

5 жыл бұрын

That is so awesome, Ghoulifyed! Many people making 10X what you make don't have that amount saved. You are proof of the old saying: It's not what you make; it's what you keep. Very well done! Keep it up and you'll be the next Dave Ramsey!

If Dave was president we wouldn’t be 7 trillion in debt.

@diaz5292

4 жыл бұрын

The USA is FAR MORE in debt than $7 trillion, I'm sorry to tell you.

@bigshoe84

4 жыл бұрын

Unfortunately a single president can’t do anything to get rid of that much debt

@diaz5292

4 жыл бұрын

@@bigshoe84 the USA will never get out of debt. The root of the problem is the so called 'Federal Reserve System' which is NOT part of the Federal Govt, it has no reserves and it is not a 'system'. It is a fraud. To put it even more starkly: The Federal Reserve Bank is controlled by a group of PRIVATE BANKERS, and NOT the Federal Govt. The people who control our currency and our money supply are PRIVATE BANKERS. Think about that. Read the book 'The Creature from Jekyll Iskand' for more on the utter fraud that is 'The Fed'.

@MoneyStrategiesSOULutions

4 жыл бұрын

bigshoe84 : sure but doesn’t help when his plan doesn’t even reduce anything and creates the biggest wasteful military budget ever! Oh and 188 Dems just agreed to it. Unbelievable.

@HoweyJR_

4 жыл бұрын

@@MoneyStrategiesSOULutions both parties agree to it lol idk why ppl always go at democrats

So many young people like myself buy stuff we dont need to look cool. I’d rather my bank account be fed, than my ego.

I was $56k in debt in the beginning of 2018, as of 10/27/2018 I became debt free and now at 11/6/2018 I already have 4k in my savings and growing. Thanks Dave for sharing your wisdom on youtube.

@JustBored589

5 жыл бұрын

Boostang good job!!!

@PeaceDayCortez

5 жыл бұрын

Boostang awesome 👏

@Nuggetams

5 жыл бұрын

Dang you paid off 56k in less than a year? How much you making jeez.

@RC.41

5 жыл бұрын

Dept 🤣

@TheRPM87

5 жыл бұрын

You win a scratch off?

I can relate to Ramsey, I got my real estate license and started selling houses at 18yrs. Bought my first investment duplex at 19, at 21 I have several rental properties and a big 4bed house in a gated community. I had brand new luxury cars, boats and spent money like it grew on trees. I was operating on a very fragile and dangerous system. 9/11 attacks impacted the market and my income, tenants and rents prices dropped. I had a fourplex that had a fire and was heavily damage. Requiring all 4 tenants to vacate. The insurance company didn't cover 'loss of rents'. Eventually I couldnt pay the mortgage on an empty building that had no equity in it. I DIDN'T have an emergency fund, I used expensive financing and subsequently went broke, considered bankruptcy and mentally suffered a big hit. When many would've quit, I started all over again. I love the business, learned from my mistakes and many years of hard work to get back on top. I now have my highest net worth at 36 and increasing. Don't borrow money unless you absolutely have too, pay it sooner than later, save and don't spend beyond your income ratios and you'll be fine. I wish much success to everyone reading!

@TheDivineFrequency

4 жыл бұрын

classemag This was VERY inspiring to read. Thank you for sharing!

@raphael52

4 жыл бұрын

Finally!!!!!! Someone with a useful comment. Thank you.

@sergiomorales1071

4 жыл бұрын

Weren’t you 17 years old when 911 happened?

“I make a living hurting your feelings” Epic!!!Totally Epic....

@placeholder_name321

4 жыл бұрын

He’s epic AF

@lamonthamilton667

3 жыл бұрын

As it should be..

"It's time to be weird. Normal is broke." "Adults devise a plan and follow it. Children do what feels good."

@placeholder_name321

2 жыл бұрын

BOOM💥💥💥👏🏼👏🏼

I am 81 years old. When I was 12 I had a paper route that paid me $7 a week. That was a lot for a 12 year old kid. I have not looked back since. I never went to collage and my retirement income is double my expenses. I own my own home and I am debt free. It was not that easy but it was not that hard either.

@dianer8881

2 жыл бұрын

Do you have long-term care insurance?

Dave just intelligently insulted me without using a curse word, lol. But he's speaking facts. You made it so simple. Thank you.

Whambulance🤣🤣🤣🤣 Dave, THANK YOU ! This business of eating out is ridiculous...I'm trying to get our 20 year old to watch your videos!

@saumabhobagchi5547

3 жыл бұрын

I think its ok to eat out once in every four months, and eat what you are able to, not overspend on the meals. Otherwise restaurants would not have existed

@Htman

3 жыл бұрын

😂😂😂😂. Oh you poor little thing.

Dave, just want to let you know that “YOU CHANGED MY LIFE” thank you so much for sharing all your knowledge and wisdom 💙

"Call the wambulance" lol what a guy! Your my hero Dave!

@jessicagray51

6 жыл бұрын

ArnoldMAN92 😂😂😂😂😂😂

@almaruthramirez

6 жыл бұрын

🤣🤣🤣

Sometimes I can't watch Dave Ramsey because the truth hits home.

@blackworldtraveler3711

7 жыл бұрын

Fire Blade890 Better to have it hit home early than to have it hit home when you are 65 and told can't afford to retire.

@fireblade8905

7 жыл бұрын

BlackWorldTraveler that's right. I have started repaying my debts. I owe 9k in debts i should pay it off in 3 years

@no_peace

6 жыл бұрын

I like the truth to hit home but his big-talk tough-guy delivery sucks

@highlyfavored2434

5 жыл бұрын

That " I'm tired I'm going out to eat" makes me feel ashamed🙄

@danibathalier6839

5 жыл бұрын

Fire Blade890 😂😂😂😂😭same here

I loveeeeee how straight forward he is!! 😂😂 so happy I found him.

@na0m1fes51

4 жыл бұрын

IKR

@marinogod84

2 жыл бұрын

He claimed bankruptcy you know?

Not only is Dave like a teacher and a second father to me and I'm sure to a lot of you too, the people listening to him on KZread provide the best advice, motivational quotes and lessons from their own experience in the comment section. I love our Ramsey Club ❤ we rise by lifting others, my loves..

I started the Dave Ramsey plan two years ago. I couldn't save most of my income because I wasn't budgeting and I paid debt for 2,000 dollars. I was still eating out and spending money everyday. Its a learning process but I can now say I love budgeting as much as I like saving and giving. This month I have decided instead of saving 30% of my income I will be saving 60% of my income. I will also budget every month. Pay the same amount at the beginning of the month for necessities. I make 13,000 dollars a year and have 7,500 dollars saved up.

@kthename08

7 жыл бұрын

Smileyyy21 congratulations! I hope to reach that level one day 😊.

@Smileyyy21

7 жыл бұрын

kthename08 Discipline and persistence. Trust me once you save that first emergency fund it will become easier. I also have a notebook that keeps me organized. I'm not debt free yet as I have student loans. This past week I called credit card company to dispute my accounts.

@kthename08

7 жыл бұрын

Smileyyy21 oh thank you! I have a car credit card and student loans also.

@ImprovementisGrowth

7 жыл бұрын

That's the tough part , saving up that $1,000. I've tried several times and when I'm almost there, life throws a health scare for either me or a family member and I have to use that money . I'm glad I had a few extra hundred dollars to take care of things, but I hope the universe takes a break and let me save up the damn $1,000 without major drama interruptions.

@kthename08

7 жыл бұрын

Pamela C. I understand that, I've been on baby step one forever also but I'm going to keep pushing until I get it, about to start saving half my paycheck every two weeks because my expenses are still low since I haven't moved out yet ( I hope to do so later this year) and I received a raise last month. In the meantime I'm enrolled in school and looking for better job opportunities lol.

Just imagine he's ur father in law and u don't save... lolz

@danielasselbergs8325

5 жыл бұрын

@Jokeasterfe yeah she is going to marry a smart christian man, she aint stupid

@alisiayoung5796

5 жыл бұрын

I would love to have him as a father in law, help keep us in line 😂

@brianmcg321

5 жыл бұрын

He wouldn't be your father in law very long.

@michael.dennis

4 жыл бұрын

😂😂😂

@MarolineChayee

4 жыл бұрын

😩😂😂😂

Ever since my first job when I was 17 years old, I've never been broke. I say I am sometimes to my friends but really it's just in my savings and I've never been in a situation where I didn't have any money

Most of this generations are credit cards, vacations, buying video games, fast foods, high gym membership, half don’t bother going, and expensive cars. I grew up in India, was constantly reminded, “ Never buy anything on loan” Except for a house and medicals. Go to church, do social work and cook most of your meals.

@saumabhobagchi5547

3 жыл бұрын

I would literally save all of my money on all of these expenses but since i only have cars as a hobby, I can save out on the rest and use that money to buy the car

@tjandcj123

3 жыл бұрын

So true. I have friends that pay over $100 monthly for these designer gyms...it’s insane.

@avapilsen

2 жыл бұрын

You're Indian and go to church...?

I should watch this every morning. I will be financially in track...

@LorettaBangBang

5 жыл бұрын

me too

@homecookteresagreen

5 жыл бұрын

I think I am going to do just that.

I’m a stay at home mom with one child. My husband makes $30,000 a year. No debt besides our mortgage. 21 years old.

@blawlor100

6 жыл бұрын

tessa zhu You are off to a great start! You & your husband will be Millionaires! 🌟🌟🌟

@lordsnape13

5 жыл бұрын

Food stamps?

@chrisj197438

5 жыл бұрын

Carlo Council If so it’s probably under $100/ month. My brother works as a caseworker and he said that food stamp amounts have went down drastically in the last 5 years. One person he approved was only eligible for $14/ month basically making it not worth the effort. The days of living off the government is almost over.

@Jibbie49

5 жыл бұрын

Unless you already have a college degree and a job skill, I'd say to use your time now to go to college. My DD had one child at 21 and she got "need based" money.

@kimbni

5 жыл бұрын

1

".. Your income doesn't matter..." Thank you Lord!👍

@Lov3lychriz

3 жыл бұрын

Right that was a relief lol

Let me call the whambulance😂😂😂 Thank you Dave for words of Wisdom!

I wish I would have seen this when I was 18 and was making 45k a year. I'm 20 now and I don't have a penny of it. I'm bookmarking this video and watch it every time I want to "beep bop at Wal-Mart" lol

@EM92401

5 жыл бұрын

Carmen Delgado u made 45k a year at 18?

@EverythingEntertainment29

5 жыл бұрын

@@EM92401 yeah that's crazy, she didn't have anyone in her corner to teach her about saving???

Don't financially support freeloading roommates even if they are family.

@faustinforester5629

5 жыл бұрын

Marilyn Willard most of them, except parents(rare, most parents are divorced) don’t appreciate.

@ms.anonymousinformer242

5 жыл бұрын

And even if they are a boyfriend. I know someone who keeps getting boyfriends they let move into their house. I told her ✋ stop saying yes to being in relationships with broke loser men !!! They wouldn't listen and have not learned yet so I finally cut her out my life.

@vanessabayardo9788

5 жыл бұрын

@@ms.anonymousinformer242 Why did u cut her off? For not listening to u? Or was she asking u for money?

@BruceBigby

4 жыл бұрын

@@ms.anonymousinformer242 Hmm. My family has property in Aiken County, SC. I handle the taxes.

@threexladi

4 жыл бұрын

Sounds great until YOU lose your health.

My life changed when I changed my mindset about money. I stopped LEASING my lifestyle. Now I can really live. When I forgot it was payday --that's when I knew I was doing better!

no credit card = no debt

@alerum3473

5 жыл бұрын

@Yussef Saber Sure, but..uhm. I mean you could always go full rogue and just save up cold, hard $$$

@Xoonnn

4 жыл бұрын

@Yussef Saber goodluck if it doesn't do well.

@sarahcruz4573

4 жыл бұрын

Yussef Saber That isn’t true, and just what credit card companies want you to believe so you get one. There are other ways to build credit without a credit card ya know that don’t involve owning one. I don’t plan to own one if I can help it and I’m currently still building my credit score.

@ernestgty1442

4 жыл бұрын

What if you have a credit card but don't perceive it as credit, rather you never spend what you don't have. In my mind, the number on my credit card is in no way disassociated with the number on my debit card. I still live frugal, save a bunch, rack up points and build credit score. Using fire for its benefits rather than playing with fire.

@morganspring9703

4 жыл бұрын

False I’ve got no credit card and 30k in student loan debt lol :(

i make $2500 cash a month and save $1500 a month.

@galigyal399

5 жыл бұрын

What do u do for a living?!?!

@specialk8927

5 жыл бұрын

Do you pay taxes? You must not have any bills or a home to pay for if you save that much with that cash money every month.

@ryanfranke251

5 жыл бұрын

Living at home with your parents probably

@darrellsmith8197

5 жыл бұрын

I make $2400 cash a month also , with no bills way to go .

@tharpeaddy

5 жыл бұрын

If he makes 2500 a month and saves a little over half of it. Which means he lives below his means. Maybe his apartment cost like 500 a month and bills are pretty cheap and he doesn’t do anything else extra which is the only way to save that much. He doesn’t have to live with his parents.

I AM so serious about getting out of debt nothing else to me matters. I'm chipping away and look forward to when I can say I AM DEBT FREE on a mountain top literally!!!!

All hat and no cattle ...lol... In the UK the old saying was "All Fur coat and no knickers "

Judge Judy also doesn't care about your feelings! Dave you are 100% right!

Debt....the easiest thing in the world to get into but also the hardest thing in the world to get out of...

@Russian86

5 жыл бұрын

Ummmm, I'd say drugs....

Man you gotta love this guy ... he keeps it real !

I honestly wish I could’ve had a mentor like Dave Ramsey when I was 18 years old, I’m 23 now with my grandmother and mother both struggling financially and never had a father so I look up to Dave Ramsey and other successful entrepreneurs for motivation and self confidence that I can make it in this world one step at a time. I’m glad god showed me a grandfather I never had to mentor me and show me a path to financial freedom and hopefully showing my own understanding to my parents who were never fortunate enough to have any educational understanding of financial education so I can show them what it takes to achieve it thank you Dave Ramsey.

Love this guys attitude ... so honest and down to earth. I have a degree in Social Science and have heard so many excuses that people make about being in debt. Dave hits these issues head on. Well done. .🌞

Living below your means save a lot of money😊

@marewaltwms1

6 жыл бұрын

Yes it does. I am RN and live on half of what I make. I never pay retail, and will shop thrift stores and consignment for quality items only. You don't buy Walmart items in a thrift store . A friend who is also an RN just dropped a couple grand or more on a purse. I don't know Louie and he don't know me, so I will not contribute to the descendants college fund.

@robertcollins5307

6 жыл бұрын

Tiara Holland soo very true !!!

@highlyfavored2434

5 жыл бұрын

Theres something Dave says " Live like no one else so later you can live like no one else"

@petersimpson633

3 жыл бұрын

The Micawber Principle, as per Charles Dickens

I waited till I was 37 to be weird. I live well below my means now. Enough said.

I watched this video a hundred times and it change my life and my way of thinking! I just finish BS2 and i am happier than ever. Thanks Dave Ramsey for giving me the motivation 🙏🙌

10 mins feels like 10 seconds , when you're actually learning !

"I'm a cuss word in some of y'alls houses....that's fine, everybody's gotta have a gift, I've got it - I'm fine with it!" ~ Dave Ramsey 😂😂😂😂 I want this on a shirt!

I totally needed to hear this! I was feeling a bit overwhelmed after seeing the debt my husband and I have to tackle, but hearing Dave give everyone an auditory kick in the pants is just what I needed to refocus. On my way to baby step 2!

@LDT7Y

7 жыл бұрын

Draw a graph with your total debt at one end and zero at the other and update it every month. It's nice seeing the line go down towards 0! : D

@nrsimmons178

7 жыл бұрын

BritBit Thanks for the suggestion-I'll do just that!

@blackworldtraveler3711

7 жыл бұрын

nrsimmons178 And since Dave mentioned "big hat no cattle" I recommend reading "The Millionaire Next Door".

@nrsimmons178

7 жыл бұрын

BlackWorldTraveler Thanks, and I'll pick it up ASAP!

@mikastegall

7 жыл бұрын

nrsimmons178 awesome! How's it going??

"Debt is a death by a thousand cuts" that's prolific

"Get out of the land of payments" - ABSOLUTELY!

"Waaahhh....I'm tired, I work hard...Waahhh." 😂😂😂

@iftheworldwasjd

7 жыл бұрын

lol! I am glad he said that...i will think of THAT when i get tempted to go that route.

@donaldl-bizforeman5089

7 жыл бұрын

My wife says this stuff all the time... it's so frustrating! Ugh!

@missDVM

7 жыл бұрын

"Puh-leeze! ...Call the Wahhmbulance" Baaahahahaha! Dave made me laugh SO HARD here.

@illadelphcat

7 жыл бұрын

daflione Oooo call the whambilence! lol

@laurenislost

6 жыл бұрын

daflione this spoke to me on a deep level 😦

am 27 years old been saving for the past 3 years 80 thousand in my saving account i used to squander my money now it's hard for me to spend a bad cent

@user-rz8lc3zl7k

6 жыл бұрын

Naaeeh!!! Wow that's a lot. What do you do?

@FireInDahole1487

6 жыл бұрын

I do woodwork i build furniture for the public and store owners

@user-rz8lc3zl7k

6 жыл бұрын

Naaeeh!!! Nice

@FireInDahole1487

6 жыл бұрын

Maybe this video came across your recommendation as a sign, i hope your financial woes turns around for the better☺

@dimetriusfisher1703

6 жыл бұрын

da'Jon Gee you just got to be focused while working I used to have this one person who tried to trick me into buying restaurant food every day and spend money then call me cheap because I was so focused on my goal but business before pleasure any day

This is why I love listening to you. I have cried a few times but now I have gotten my act together. Thank you 🤗

"You know how i know we don't have any money? 'Cause we're BROKE!"🤣🤣🤣🤣😭😭😭

The sad irony is that im doing pizza delivery to help get more cash to pay for groceries and eliminate my own remaining debt, and yet most of the people ordering pizza are the type that Dave just ranted against. Hopefully that won't be the case with our culture some day.

@MilanBroz

7 жыл бұрын

That is nonsense, if people had the money they could actually spend more and I do mean their money, not borrowed money.

@HealthySkepticism1775

7 жыл бұрын

swensation55 I started working as a process server to bring in more cash, much like delivering pizza but instead of delicious Italian American food they get a court summons for the debt they haven't paid. I see these people every day, too, it's literally my job to give them court documents for their debt. and they ALWAYS HAVE nicer cars than mine, usually a couple.

@ImprovementisGrowth

7 жыл бұрын

sounds like a dangerous job.

@LDT7Y

7 жыл бұрын

The best thing I ever did was work in finance as my first job out of college. The amount of people I met (I managed their accounts/debt) who looked really wealthy but had shed-loads of debt was very eye opening. I'd guess about 20% (max) of the people walking around who seem rich are actually rich. The rest are faking it all the way to bankruptcy. Never compare yourself to 'the average person' you see. It's mostly a huge lie! Recessions are very revealing as they tend to lift the lid off and reveal exactly who the fakers are. In comparison, I live in 9 year old tattered jeans, old boots, second hand or charity shop clothing and old gold jewellry that I've never bothered to update (I have one set that I've worn every day for the last 20 years). I don't have a spray tan, fake boobs, sports car or mansion. I'm also not on a huge salary. People actually offer me free clothing because they assume I'm poor! But I know for a fact that I'm now wealthier than 90% of other 30 year olds I meet. It's not that I'm massively wealthy, but that the rest of the country is massively in debt!

@CrimsonGator96

7 жыл бұрын

You and me both my friend! It's absolutely mind-boggling.

I go to Wal-Mart for my entertainment, but I don't have to spend a dime. Just people watch 😝

@Tolyan97kartofan

4 жыл бұрын

Get a life

@MoneyStrategiesSOULutions

4 жыл бұрын

😂

@christinemaria77

4 жыл бұрын

Spandex is certainly not for everyone

@irishpickens6581

4 жыл бұрын

It's like a horror show!

@RKmndo

4 жыл бұрын

I go mtn biking. I go surfing or sailing. Etc.

Love this. Hits all the notes about our idiotic consumer society while giving advice