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

@1CT1

2 жыл бұрын

Accept Jesus Christ as your Lord and Savior and you will be saved. John 3:16 (share the good news of the gospel around the world!) Have a wonderful day/night, may the LORD bless you all, and farewell!,.,,,,,,.,,..,.,

@charlesg7926

2 жыл бұрын

Haha this was one of the few recent Dave Ramsey videos that I actually enjoyed and LOL’d at

@Michael-vf2mw

2 жыл бұрын

Has Ramsey ever actually released the data from his study, or do we just have to go on his hearsay?

@tman2753

2 жыл бұрын

@@Michael-vf2mw you can literally buy it

@joshhoward1289

2 жыл бұрын

Why don’t you continue this study gathering data via your website. You data is on point but getting stale and dated as each day passes.

As a nurse, I often wonder why doctors and nurses aren’t millionaires… then I look around me in the parking garage.

@jbris16

4 ай бұрын

Exactly! I'm a male nurse doing quite well, on my way to millionaire status, but most of my colleagues take multiple vacations a year, are always eating out and have huge car payments. They also complain about not having any money.!

@franko8572

4 ай бұрын

Funny enough, one of the worst careers for people who build wealth is… *DOCTOR.*

@2023Red

4 ай бұрын

Yep. I traveled and enjoyed my work too. But I was not investing. Perhaps I could have done back then.

@lolatu8255

4 ай бұрын

This is a great comment! I would say that it applies to ANY job. I can tell you that at my workplace, most of the people who make considerably less than I have much nicer cars than mine. I drive a beater by choice. The guy who works next to me has a BEAUTIFUL car but is so worried about driving it (he literally won't drive it if it rains) he got ANOTHER car to daily drive. Double the bills LOL!

@paulolsen4430

3 ай бұрын

@@franko8572 They have a lot of school loans My wife had no school loan and we’re frugal (she’s a doctor) most of her classmates are Asians and no school loans and savers

I’m a 39 year old engineer in NJ and can proudly say I’m a millionaire just from working 17 years and being responsible with my money. Dave is exactly right.

@WRBWRXWGN

9 ай бұрын

Congrats, dude. Well done. I'm right there with you, same profession, same age, same status. I started investing in 2006. Not much at the time, but consistently. As soon as I could I maxed my retirement accounts. Responsible living and consistent saving.

@tonynunez6539

9 ай бұрын

No one works harder than veterans yet over 20 commit suicide everyday and many more are homeless. Life is not a math problem.

@keeperzero

9 ай бұрын

Can I have a dollar

@Matys1975

9 ай бұрын

Do you have kids ? Because I am 38 and I would have been a millionaire already if I did not make the decision to have kids 😂

@APICSKH

4 ай бұрын

@@Matys1975kids are god’s blessing and they will keep you motivated and feel younger. You are one of the lucky people to be a parent. God bless you and may they make you proud and feel blessed, worth much more than a millionaire who has an emptiness in their life🎉🎉

As a retired systems engineer who worked hard all my life and lived within my means… I totally agree! I retired at age 58 with several million in savings and assets and now enjoy a comfortable retirement. Paid for my kids education, weddings… but avoided the temptations of McMansion house, vacation home, new car every few years, latest tech toys, lavish vacations… Living within your means is key to having the money to save and invest for the future.

@drlax15m

11 ай бұрын

that’s great, but the cost of living is skyrocketing past incomes, it can still be done, but it won’t yield the same returns

@Holdeenio

11 ай бұрын

Great job 👍🏼

@DrDoke

11 ай бұрын

Hopefully you can bring yourself to enjoy spending some of that.

@Kika-rn9tq

11 ай бұрын

My husband is a systems engineer. He is the best. We are trying to live like that. Avoid the mcmansions and be able to pay for our Kiddos college and wedding. We are on our way out of all debt except the house. Baby step 6 and investing aggressively. I hope we can get there. 20 yrs to retirement

@WoodyJ98

10 ай бұрын

Sad that things are so overpriced that you have to wait until you’re almost dead to do anything enjoyable

As a financial planner I can confirm that my engineer clients don't let emotions get in the way of their logic

@DanTheManIOM

2 жыл бұрын

I wonder why we are logical like Spock ?

@blairkinsman3477

2 жыл бұрын

This is true I am one

@DanTheManIOM

2 жыл бұрын

While recently dirving, I heard this again, engineer, accountant, teacher, attorney, very few from VP ranks/Corporate managment, he said.

@schawnettarobinson8584

9 ай бұрын

Exactly ❤❤❤

@JasonGroom

5 ай бұрын

​@@DanTheManIOMthat makes perfect sense, there are, comparatively, very few of each of those in comparison to professions like teacher, engineer, doctor, lawyer or accountant and such. That is one of the faults of this study is that it does not normalize the data to look at all things in an equal way.

It's 90% discipline and 10% knowledge. Like Dave says. You need a big "why".

@dennisd4027

2 жыл бұрын

no, its 85% spendable, 15% to savings LOL

@freedomworks3976

2 жыл бұрын

Yep

@michaelmack4686

Ай бұрын

Facts

About 20 years ago I decided to add up ever asset my hubby and I had. We were shocked to find out we were millionaires. He was a blue collar guy and I was a pink collar worker. No college. No inheritance. We took inexpensive vacations every year. We started saving when we were in our early twenties and kept on saving what we could. We retired wealthy and happy.

@maximumwoof8662

2 жыл бұрын

shouldn't it be every asset WE had ? the two become one flesh...

@nervotica7991

2 жыл бұрын

With or without friends???

@hollyb6885

2 жыл бұрын

@@maximumwoof8662 Oops. I’ll correct that. 😜

@hollyb6885

2 жыл бұрын

@@nervotica7991 Both.

@cctypcc

2 жыл бұрын

So happy for you! Please share your experience with young people. They need to hear that.

I’m not a millionaire, but close. I did it all on a hourly wage as a HVAC tech. Raise four kids and sent all four to two years of college. How you ask how; I knew to live frugally, saved regularly and the magic of compound interest starting at a young age.

@WRBWRXWGN

9 ай бұрын

I love to hear it. You should be proud.

When I was 25 years old as an enlisted military member, I was reading a Kiplinger's magazine of how much you would have to save and for how long in order to become a millionaire. It was at that moment, I decided to save ...save ..save. Even after divorce and financial reset, I kept at it and am living a debt free lifestyle with CHOICES...brand new truck paid in cash...paid off house...investing $4500 a month and taking several vacations a year with ZERO DEBT..... YOU CAN DO IT TOO !!!

@lesstalkmoredo8613

Жыл бұрын

Lol I’m debt free at 25 and military teach me

@metalrooves3651

3 ай бұрын

the brand new truck is borderline retarted!..but its your money!

@kevinrtres

3 ай бұрын

Yup! Learned my financial stuff from Kiplinger and Money Mag...did the same thing...just live within my means and actually being able to buy stuff that I really wanted - with no debt or agony about making that purchase because it all takes care of itself. God is Good!

I think when the average broke person hears "millionaire" he pictures a guy in a silk suit, driving a luxury car, and a $1mil+ house. Thats the deceptive image a lot of people have.

@Corkfish1

2 жыл бұрын

I try to explain that to people but it's no use If you have $5 million dollars you are secure, but you aren't wealthy. Heck even with $10 million you aren't driving your Ferrari to your private plane.

@LittleMopeHead

2 жыл бұрын

Exactly.

@monikabennett

2 жыл бұрын

@@blackworldtraveler3711 that's not the definition of wealthy. That's the definition of being comfortable.

@blackworldtraveler3711

2 жыл бұрын

@@monikabennett It's wealthy. Just not stupid hung up on material things. Not buying a Ferrari. I don’t need to impress anyone.

@KW-fx9ww

2 жыл бұрын

@@Corkfish1 10mil u can for sure drive a ferrari, just not a private jet lol

My grandmother was a single mother and taught her entire career. She retired with a net worth of 2.1million. If you would have seen her you would have never thought she had any money. She was so disciplined!

@Jane5720

2 жыл бұрын

Maybe too discipled

@maximumwoof8662

2 жыл бұрын

@@Jane5720 discipled ? she should have disciples >

@alinatamashevich3354

2 жыл бұрын

@@maximumwoof8662 Bazinga! Well played !

@jimmy6886

2 жыл бұрын

Sure she did

@gearsNtools

2 жыл бұрын

Thats how I feel when I walk thru my neighborhood, I see all these expensive cars in the driveways because people keep their expensive toys in the garage and can't part their new car inside. I'm pretty sure all my neighbors think I'm flat broke, I live in one of the smaller homes, don't own a car, normally wear an old tee shirt and shorts. they literally have no idea..... and I'm honestly ok with that.

Dave Ramsey: "You don't get to negotiate with math!" Half of America: "That's just like your opinion man!"

@ralphalf5897

2 жыл бұрын

Math is rayciss

@damion27

2 жыл бұрын

P loop

@alanhodgson7857

Жыл бұрын

Hey well teachers make good money, but maybe their results aren't so good.

@gomaze3082

3 ай бұрын

Opinions very.

My husband and I have lived on 70% of what we make, regardless of how much our income grew. We are 60, married 40 years and have been millionaires since our late 30's.

Hah, I'm a teacher, but I'm not going to argue. We are all about learning. I'm going to pay attention and make myself a millionaire!

@jeffreywhitaker5154

2 жыл бұрын

YES!!!!!!!

@ispeaknonsense

2 жыл бұрын

I am a plumber and I feel the same way....race you to a million?

@stephenshelton4267

2 жыл бұрын

You're all about learning? 😄😄😄😄😆😆😆😄😄😄😆😆😄😆😆😄

@superblump87

2 жыл бұрын

@@stephenshelton4267 why is that funny

@plantface510

2 жыл бұрын

That’s all you Gotta do.

What makes you a millionaire isn't how much money you earn, it's what you DO with your money after you earn it.

@johnSmith-uz8nl

2 жыл бұрын

My dad always said, it is not how much money you make, it is about how much money you save.

@johnSmith-uz8nl

2 жыл бұрын

@Town Crazy no, I believe there is also "investing' your savings wisely. And if you don't, you will most likely not become a millionaire. And using Dave's investment pro's is NOT the answer.

@randyhusband8542

2 жыл бұрын

@@johnSmith-uz8nl You are very anti-Dave Ramsey (obvious in multiple comments you've made) So why are you even here?

@johnSmith-uz8nl

2 жыл бұрын

@Town Crazy It is expense to die in America. Something that is never discussed. Expect nursing homes to charge you about $200k a year when you need one. I want to leave wealth to my kid(s)... change the family tree, I would like my kids to live in the good area (the expensive area) and I want money so I can help them achieve this.

@johnSmith-uz8nl

2 жыл бұрын

@Town Crazy I never had a rope for a belt . And my parents have helped me out as much as they can. Entitled kids is not about wealth IMHO, it is about how they were parented. And just because no one gave you a dollar does not mean you should not give your kids a dollar.

My wife and I taught for 40 years. We lived in a modest home, drove reasonable cars, didn’t do expensive vacations. We started a TSA in the early 80s. We always contributed the max and when we retired it had seven figures. Now we did inherit some wealth, but treated it as an old age, untouchable principal and we were in our mid 50s when we go it. So it did not figure in our quest to be financially independent. If we never inherited a dime we still would have the seven figure account. So here was our strategy. Save as much as possible in the TSA. Get vested in a pension system with health benefits. Treat raises as an opportunity to increase savings. Act as though Social Security would not be there. Never, ever spend principal. Never ever count on what you might get from your parents. It’s not yours and anything else you get is gravey. So Dave is right. If you are a teacher you can become a millionaire. We have many friends who are educators that are wealthy and secure and used the same approach.

@mikelentz833

2 ай бұрын

Well said!

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

@anatolyivan

6 күн бұрын

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

@GodfreyDaniel-rt5yn

6 күн бұрын

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

@SteveBrown-yt3uy

6 күн бұрын

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

@ValentinAntonio-wo3vb

6 күн бұрын

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

@user-um8pz5fl5c

6 күн бұрын

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

Aeronautical engineer. Paid my own way through college. Debt free at 29. Millionaire at 36 (net). No inheritance, parents are still alive, and yes, I love my job.

@markwhittaker6866

2 жыл бұрын

Life sounds good for. Many congratulations.

@alinatamashevich3354

2 жыл бұрын

Many space cadets chime in on Dave's channel. Where is Saul?

@AustinRides7264

2 жыл бұрын

Way to go! Thanks for dropping a comment. Maybe convince Elon that chemical rockets aren't the key to making humans a mulitplanetary species? 😉 Cough, warp drive...

@Spladoinkal

2 жыл бұрын

@@AustinRides7264 Haha, don't need a warp drive to travel between the solar system. Plus, even though we figured out how to bend space-time, we don't have the power to properly do it.

@Spladoinkal

2 жыл бұрын

@@alinatamashevich3354 Sounds like one of the "Commenters" Dave was talking about...

Beware of little expenses; a small leak will sink a great ship.

@Retiredmco

2 жыл бұрын

Yuppers like all those monthly subscriptions lol.

@samysamy566

2 жыл бұрын

@@Retiredmco pirated websites is the way to go

@Retiredmco

2 жыл бұрын

@@samysamy566 ROFDLMAO

@josephinen36

2 жыл бұрын

Oh yeah 😎

@ThanhTLam1

2 жыл бұрын

well said

Tis true. Worth 2 million, no debts, a good teacher's pension, and retired at 58! Loved teaching for 32 years. 😊

@tranger4579

11 ай бұрын

My dad it in an assistant principal salary. Retired at 58 as well

@WoodyJ98

10 ай бұрын

It helps too that rent did not take up as much income as it does today. Same with cars, hell anything

@darbyohara

9 ай бұрын

Oh so you’re one of the overpaid babysitters who has contributed to the declining performance and their arrested development over the past generation

@SRose-vp6ew

15 күн бұрын

@@WoodyJ98 Are you in a studio apartment? Are you voting for those who won't raise taxes on your landlord, the land, products, or businesses so the buyer has to pay more? Do you eat at home cheaply? Do you know how to find free fun ways to grow and live life? There are still things you can do especially if you live in the United States and have a great job like being a teacher that does pay well. If you're an American you're a 1% by world wealth and people need to understand that fact! Look at those in Burundi Africa working full time only to make about $5 bucks a week so they can simply eat beans and rice in a muddy hut "if" they are lucky. Be thankful and see all the places you're spending too much. 30 years ago people didn't buy cell phones and now you don't need the newest one or a plan that costs over 25 a month. There are sooo many ways to live affordably if you are humble and willing to sacrifice till you no longer need to. Live below your means and you won't have to. There are fools living like millionaires drinking Starbucks everyday spending thousands a year on just coffee, that's just foolishness and it doesn't matter that we have a Democrat economy right now where they raise taxes on the poor (literally increased state gas taxes in Illinois) and pretend like it's to help us when it literally helped us into beans and rice and that's just the way it is. Things are the way they are, but that doesn't mean we can't do better, and it starts by not spreading the victim narrative. 7:45 Did you watch the video?

I grew up poor as a child and I always had people telling me I couldn’t afford certain things and I’d never be able to. The negativity made me want to strive to prove these people wrong, and I have. In a hopeless world, you have to create your own sense of hope and fight for that every day. Living hopeless isn’t living at all.

Personal finance is a taboo topic for a lot of people. If you acknowledge there's something you could do, you're also admitting to some culpability for your situation.

@danielaschmidt293

2 жыл бұрын

Yes, this is something that I wonder the most about. Everybody needs money, everybody has some money to manage. Why are the most people not even able to talk about the simplest steps that can be made… A closed heart will not be able to hear. But why are so many not even asking themselves what they can do? It has to be the victim mentality. I witness the learned helplessness a lot in my teacher profession. And I see it in almost every person around me in the topic of money. They do not talk about it. They will miss a lot.

@alinatamashevich3354

2 жыл бұрын

Well said Ben!

@kh884488

2 жыл бұрын

Dave has lots of love - mostly tough love. But it is important to get one's financial priorities straight. Wishful thinking and vague hopes don't accomplish anything on their own.

@AaronD313

2 жыл бұрын

Accountability is kryptonite -Kevin samuels

@cryptkeeper5027

2 жыл бұрын

Exactly! It's easier to blame the "system.". Absolves them of personal responsibility.

If only people would just take the time to learn this stuff instead of crying on social media.

@plantface510

2 жыл бұрын

If they spent half as much time working as they do whining and complaining then their problems wouldn’t even be there.

@kazzhulse

2 жыл бұрын

i guess im a bit of hypocrite here as youtube comments is kinda social media... but social media is a cancer. An addictive cancer thats killing our joy and motivation.

@universalservicetechust3578

2 жыл бұрын

Yup lots of babies

@darencanaday2107

2 жыл бұрын

@@plantface510 so wrong the key is the formula work hard and not complain in the wrong formula you will never be wealthy. That is how generations change.

@joshhernandez6974

2 жыл бұрын

Social media is the real problem

Quit HS in 12th grade, spent 8 years in navy, became technician and worked(read) my way to engineering manager position for an international company (never obtained degree). Retired at 62 with 1.5 million & zero debt. Now 10 yrs later I’m at 1.8 million and zero debt. Living great!

My Aunt was a teacher in New York City and she retired a millionaire. She was frugal, lived in the same townhome for over 30+ years and grew a lot of her own food.

Proud to say my husband is a physician and I'm a nurse. Now before you say "oh well he is a dr". And? Most drs we know are drowning in debt. Its not about how much you make per say. We reached a M'naire net worth very early in our marriage when we started with great debt. Sacrifice, work hard to get rid of debt, live BELOW your means, and invest!

@lotuswolf1518

2 жыл бұрын

Ikr ,many MBAs lawyers doctors or even businessness owners make a lot of money or have w high annual income but they're in debt so they have an overall negative net worth

@calinursingable

2 жыл бұрын

More of us nurses should be on that millionaire list. Great job to you and your hubby!

@britneyog9537

2 жыл бұрын

@@calinursingable I absolutely agree with you! And, thank you! We have worked together to get where we are. It's a team effort no matter your income. One can drag you down or raise you up (financially, emotionally, etc.).

@kevinrtres

3 ай бұрын

In other words, follow the DR baby steps!!!

You know who inspired me the most? The guy who mowed yards for a living - not a large landscape guy - just a guy and his mower ... he was on one of the millionaire hours ... impressed the heck out of me and made me realize I was goofing off and making excuses ...

@MrBrownnnnnnnnn

2 жыл бұрын

I remember this one and than I started mowing

@blackworldtraveler3711

2 жыл бұрын

For me it was a janitor here at Union Public Schools in Tulsa while I was working and going to aerospace school full time. He was married with a great family as well. Heck if it was 5k years in the future this guy would have been raising my starship out of the swamp using the force.

@aquabliss9194

2 жыл бұрын

I’m an engineer who mows his own lawn.

@Fman5555

2 жыл бұрын

Video Link?

I’m a millionaire and I sell tickets at my local train station 🤣. I even had a guy once complain to me about his season ticket and when I got his customer info, I realised I was his landlord…. I obviously kept it to myself, but due to his rudeness and condescending attitude, I was tempted to insist his rent goes up 100% .

@martywilliard

2 жыл бұрын

LOL. This is a great story. You made me smile and laugh out loud. Bravo to you.

@natnielsen8472

2 жыл бұрын

I'm with Marty on this one! You totally made me laugh - isn't life crazy fun - you just never know when something like this can happen - just good to know you went easy on the guy and didn't raise his rent 100%!!

@ezinneerhirhieneeukaogo1439

Жыл бұрын

Lol

“If your mouth was shut, you wouldn’t be making noise” had me rolling😂

@caroleanne8529

2 жыл бұрын

I used to tell students that their ears don't work when their mouth is going.

Engineers are logical, planners and good with math. It doesn't surprise me that many of us purposely live within our means.

@maryfields877

2 жыл бұрын

My husband is a CE and I totally agree.

@maryfields877

2 жыл бұрын

@Sarge Rattlesnake Hmm, sort of a vast generalization, but I'll somewhat agree.

@monikabennett

2 жыл бұрын

@Sarge Rattlesnake also, most engineers aren't going to do fun, expensive social things like go to Coachella, take up golf or get a boat big enough for friends. It's less expensive to make space for less people in your life.

@smitty1hunter

2 жыл бұрын

Agree. My uncle is an engineer. He makes good money but lives modestly and keeps vehicles a long time.

@Excalibur2

2 жыл бұрын

Tbf, I'm an engineer and mostly socially distant, mostly go straight home after work and then back again. It's a lot easier to save when you don't do anything.

I did Engineering. one aspect of engineering is being able to plan ahead. works for money too.

@cctypcc

2 жыл бұрын

I agree. It takes a lot of discipline to get through all the tough engineering classes. Engineers are trained to think logically and with long term planning skills.

@fanmaxis3004

2 жыл бұрын

How ln earth d'o you "plan ahead"?

I am not a victim, I came into this world with a disability and I am a very strong and happy person.

My wife and I made our first investment at age 30 with a $50 a month investment into a growing mutual fund. This was all we could afford, but it made us take notice of where our money was actually going. At the end of the first year we were amazed of how money actually grows. From that point in life, we made every effort to save first, and consume less. We still took vacations, but we budgeted for our standard of living. We retired five years ago debt free. The secret is not earnings, but consumption and priorities. When my daughter started working part time at age 15, we taught her about investing in a Roth IRA. We matched whatever she contributed. She’s now 34 years old and you would be amazed at the value of her Roth IRA. Time and budgeting are the biggest weapons in fighting poverty and working your whole life for the man. Cheers!

"If you read comments on posts like this, you understand why some species eat their young." ~Dave Ramsey

@xrunner55

2 жыл бұрын

He isn't wrong.

@CZsWorld

2 жыл бұрын

@@xrunner55 I love it

@chinenyennake4782

2 жыл бұрын

Took the air out of my lungs 🤣🤣

@michaeljohnson2922

2 жыл бұрын

He stole this quote from the famous comedian Rodney Dangerfield in the classic movie “Caddy Shack”

@ParadeTheGospel

2 жыл бұрын

@@michaeljohnson2922 internet existed back then with comments under posts?

If these people read “The Millionaire Next Door” instead of “The Communist Manifesto” they would be millionaires too.

@DaisyBnr

2 жыл бұрын

Millionaire teacher works too

@jenniferbassett3001

2 жыл бұрын

What about the book, The Millionaire Joshua? I'm now in my 50's and received it when I was a kid in my teens. I skimmed through it when I was a lot younger, but not since! I don't have it in my possession yet but will soon! I wonder if I'm too old to become a millionaire!?🤔🤷🤦 Sorry for my ramblings 😊

@Themoment888

2 жыл бұрын

I had a friend that wanted me to read the "communist manifesto" and a book on Marxist. I never read it but I did read millionaire next door.

@AnonYmous-tr4cu

2 жыл бұрын

Read both. 🙏🏾

@jtowensbyiii6018

2 жыл бұрын

@@DaisyBnr ah cause "grab em by the ***** is better to you?

Love to see you guys shoot back at the negativity. Honestly I find it refreshing. Keep to your ethics, techniques, and approach and the benefit will continue for the folks who wish to do the real work required. Thank you!

I'm am engineer who was undisciplined and spent most of the money I made. I started following Dave Ramsey's program.....and within 3 years paid off my car and home by being very disciplined and doing exactly what he said to do. Thank you Dave. I now own rental Homes and am close to a comfortable retirement all accomplished within about 12 years thanks to Dave.🙏

@beth3535

4 ай бұрын

Wow!

I'm a registered nurse that will be a millionaire! I'm on my debt free journey now. As you stated it's all about behavior and you're right educators can do it too!!

@droolalot5795

2 жыл бұрын

Single?

@KathyAZ

2 жыл бұрын

@@droolalot5795 LOL but nurses probably don't like droolers. 😅

@droolalot5795

2 жыл бұрын

@@KathyAZ but I don't drool a little

@dimediamond

2 жыл бұрын

🌟

@jasmines.6325

2 жыл бұрын

sure as long as the people around them arent draining them dry

Sometimes people don’t like hearing the truth. Facts hurt sometimes

@johnc2438

2 жыл бұрын

Yeah! Reminds me of that movie moment (from "A Few Good Men"): "You can't handle the truth!" 👍

@johnSmith-uz8nl

2 жыл бұрын

And you think Dave knows the truth????? WOW.

@marojupavan

2 жыл бұрын

you summarized politics and how brains work.

@OGWanderingNomad

2 жыл бұрын

Facts hurt in a time of emotions prevailing.

@johnSmith-uz8nl

2 жыл бұрын

@@OGWanderingNomad The issue is... can you trust the facts. I think we can not. BUT the big picture in what Dave is saying I do agree with... just not his own research.

12 single family homes with no mortgages...retired teacher...beautiful "stuff"....blessed and winning.Follow the plan..it works.

“It’s the law of averages” “no the median is not an average” 😂

Consistency over time. There is no replacement.

@blackworldtraveler3711

2 жыл бұрын

Indeed. Earlier the better.

@alexanderbailey8914

2 жыл бұрын

My wife and I had nothing in our 401K in 2000. Both turned 40 and started putting money in our 401Ks. Got laid off for 2yrs between 2000 - 2021. Now combined worth over 1.4M. Slow and steady!

@robedmund9948

2 жыл бұрын

Like training a dog or a child.

@blackworldtraveler3711

2 жыл бұрын

@@robedmund9948 Already have twelve years of school. Just utilize the reading and math skills you’ve acquired before 7th grade.

@waterheaterservices

2 жыл бұрын

At 62 I am right on track to retire very comfortably at 102 .

I always told my kids when they were teens that “self inflicted wounds hurt the most”…. We all can trip, we can stand up after we trip and move on! Love your show, Mr. Ramsey!

@LifeWithTarsha

2 жыл бұрын

Great quote! Will share with my kids. Thanks 😊

@kevinkanter2537

2 жыл бұрын

heard a couple more that always stick with me: you regret what you don't do more than what you do. so wise choosing is key ...... also, the perception of half glass full vs half empty is a false one; remember you can fill the glass ... of course, it is up to you to be able to have the stuff to fill the glass

One of the older fellows at church was a painter and wallpaper hanger. While in the military his folks lost their home and he purchased a row home for them to live in. He and his bride eventually got the home, raised their family, and lived there until old age. He always had a garden and sold tomatoes off his front porch. He and his wife rarely ate out, lived simply, yet we're very generous. He was a millionaire.

@tranger4579

10 ай бұрын

That is amazing.

I grew up in the hood. Always made less than a teacher's salary but still managed to become a millionaire with zero debt. Oh well.....😊

@AK-ne4og

2 ай бұрын

😍

@nomadictravelerfromTx

Ай бұрын

@@AK-ne4og 😊😊

Dave is coming for all us today 😂😂😂😂😂😂😂 and Ken is sitting there cosigning the shade lol

@captivated388

2 жыл бұрын

So true!! 😂

@SymonnePeters

2 жыл бұрын

Drag us, Dave! 🤣

Dave speaks the truth. Love him for that. People now want to be treated as 'victims' to avoid doing the hard work.

@mikelentz833

2 ай бұрын

You nailed it! When my peers ask me how to get financially free I tell them about the sacrifices they need to make to get started and they usually go full-on victim and make excuses for why it's impossible for them. To achieve what few have they need to be willing to do what few people actually do.

Currently working on my CPA after 10 months in tax with a respectable firm. The study stating that CPA was number two reaffirms my decision and I’m glad i stood by it. Wishing everyone here success.

@pauldeamer9581

19 күн бұрын

Just use what you ve learned as a cpa.

I'm a teacher. I'm on my way to becoming a millionaire!

My hubby is an engineer, and yes, we have a pretty decent net worth. I used to work in a library. We have been able to retire comfortably because we were frugal, lived below our means and saved and invested through the years. Good video, and I agree with the points here.

@Fman5555

2 жыл бұрын

Where did you invest?

@jaymorgan8017

2 жыл бұрын

@@Fman5555 Tesla, dumped my broker.

@paulhodireff9260

2 жыл бұрын

I've thought that librarians ought to be wealthy - they have access to all sorts of useful information.

So tired of hearing about the victim. Everyone is a victim these days.

@everymanrepeatsastory5188

2 жыл бұрын

Im on disability from PTSD ... my whole family is on disability from living with one aonther

@elaine1743

2 жыл бұрын

@@everymanrepeatsastory5188 LOL

I am forever grateful for D. Ramsey. Following his guidance, I have only mortgage debt and that's it. Feeling energized!!!

@darbyohara

9 ай бұрын

You didn’t need Dave to learn how math and personal finance work.

@spconrad9612

6 ай бұрын

One doesn't need Dave to learn how to handle money, but he does a solid job at teaching, and the best part about Ramsey Solutions, is they are great cheerleaders. The wife and I are changed because we quit living the way we were and changed to what we learned from the Ramsays.

It killed me when tan shirt jacket guy didn’t know what a median is.

@marcusjohn6654

2 жыл бұрын

I was laughing so hard.

@situated4

2 жыл бұрын

He thinks it's the average, or Mean.

@steve99912

2 жыл бұрын

It's hard to find good workers. Lol

@teofilstevenson

2 жыл бұрын

He didn’t know what median was but his asset:debt ratio is higher than most, that makes him wise in my book.

@jsong8282

2 жыл бұрын

He’s more of a motivation job search guy lol

I'm a janitor and on my way. Learn to live within your means.

@beth3535

4 ай бұрын

Good for you. Invest as soon as you can. Mutual funds will serve you well (choose carefully) for building your foundation. And keep it to yourself. Your colleagues don’t need to know what you’re doing.

Dave, being a millionare is a pipe dream for a lot of people in a world where $8 caramel lattes exist. Change your habits and change your life.

@yanak7159

2 жыл бұрын

So true. People don’t want to change their habits because “they deserve it”. Those little expenses do add up. Being debt free is an absolute freedom.

@typoagain1

2 жыл бұрын

I live in a world with $8 caramel lattes. I am FINALLY reaching the $1 mil mark. I have NO IDEA what a $8 caramel latte taste like.

@marku5w

2 жыл бұрын

Caramel lattes are awesome… so are the caramel frappes…. And they cost my

@kevinkanter2537

2 жыл бұрын

@@marku5w ---- feel hooked as i read thru it -- then, ---- LOL great - I can compare - I like mine better

@rjmaas

2 жыл бұрын

One time I ordered a simple coffee at the same company that sells $8 caramel lattes. She asked so many questions I felt interrogated. Don't come there anymore

Thank you for putting this out there! If enough people understand these facts our country will have hope for the future. Keep up the good work. 😊

There is a RN on KZread who does a personal finance vlog trying to get nurses to increase their savings to reach financial independence. She is constantly trashed with trolls saying it can't be done. As a CPA, I finally interjected that her detractors would be better served by asking how she accomplished it rather than telling her that it cannot be done. My father was a millionaire at retirement working in a non-union factory as a forklift operator. And he sent all five children to Catholic schools and to college.

“Wants a narrative that declares them a victim “ …. So True Dave ! Utterly 100%

@coniccinoc

2 жыл бұрын

Agreed. It is like a pity party competition. I think social media has really magnified this phenomenon.

@jeffmiesen

2 жыл бұрын

@@coniccinoc The news media helps them spread the pity party as well. Everyday you see articles about these evil millionaires. I’m no where close to being worth a million dollars, but it’s quite sad that they control the narrative.

Technically, if we all lived below our means we can make it to millionaire status. But so many spend way more than they earn so they are going the opposite direction.

@markwhittaker6866

2 жыл бұрын

Totally agree with you.

@alinatamashevich3354

2 жыл бұрын

How dare you bring such outlandish ideas onto this forum!

I'm a teacher. This was incredibly encouraging!

I love Dave, he's so brutally honest but it works for him.😂

Being an engineer I love this study and I agree ☝️ Engineers rock !! 🙂

@rodrigofernandez9055

2 жыл бұрын

We move the world 🌎 forward 😎

@ashvina8244

2 жыл бұрын

@@rodrigofernandez9055 Exactly

@brianpotter8265

4 ай бұрын

If it wasn't for engineers we would be still living in caves.

My friend who is a teacher was asking me about investments before he was even out of college. Teachers are great planners (the ones I know) and having to budget for the summer probably keeps them money conscious

@stephenshelton4267

2 жыл бұрын

They constantly whine about being underpaid while doing such a universally terrible job that you can paint with a broad brush without exceptions.

@tmusa2002

2 жыл бұрын

Many teachers spread their salary across a year’s time. The schools will do that for them, which would help…I bet Dave would not like that idea! Also, many go-getter teachers work somewhere else during the summer. 🙂

@brianliberante

2 жыл бұрын

Interesting. I'm Mr. Interesting. My sister and her husband are both teachers and they're broke lol. In their mid-forties too which is kind of concerning. I will agree they both are good planners... just not with money.

@RaymondTusk74

2 жыл бұрын

My high school math teacher taught us a lot about money. He told us all the time about how some sacrifice while very young makes building wealth much easier.

@heathdunn5831

2 жыл бұрын

@@stephenshelton4267 Many (not all) teachers are underpaid. What normally makes teachers underpaid is the fact we are on salary and don't punch a timeclock. If you somehow never work at home (ex grading papers, making lesson plans, answering emails, ect...) you can make 25-30 per hour or more depending on the district. Many do work a lot at home which means that not only are they making about 15-20 per hour, but they are also missing out on all that overtime pay that people who punch a timeclock enjoy. Sorry just the facts like Dave just talked about.

Great insight Dave. Anyone with a consistent income over a long career can do it. All you need is discipline.

Well done! What I’ve seen with many of my teacher friends is that their teacher salary is PART of their income. Many have substantial incomes from other sources bringing their total annual income much higher (sometimes out of necessity).

I'm a nurse who teaches. Its a great income with great benefits and easily, we can be millionaires following the baby steps. Thank you, Dave!

Love the term "keyboard warriors" and the message that you don't get to argue with math - this country is drowning in misinformation and "make up your own reality" - thanks for a great clip and common sense

Discipline makes people mad, who don't have it.

Even through I never heard of you until last year, I've followed your principles for my financial life. Now we own our Silicon Valley home free & clear, have put two sons through college, free & clear and are looking at a retirement that does not depend on Social Security. Here's the thing: It did NOT happen overnight. We worked at it for 33 years to get to this point.

Watch it Dave! I was watching this with my three year old. You said Stupid! My little one said; “ That was naughty!” Lol!

@janco333

2 жыл бұрын

Not sure a three year old should be watching dave

@MichaelAnderson-wk1no

2 жыл бұрын

This is not children's content.

I still find it impressive that teachers were in the top three career fields of millionaires. 🧐

@plants4thewin

2 жыл бұрын

Teachers RULE...Love them..under paid under appreciated. The deserve to win!

@genxx2724

2 жыл бұрын

Slow and steady wins the race.

@ChicagoTRS

2 жыл бұрын

There are a LOT of teachers. And in some states they get paid very very well.

@dedalliance1

2 жыл бұрын

I wanna know what they define as teachers. Because there's kindergarten teachers all the way to Harvard professors and if you wanna get technical there's people who teach like OSHA or Safety or medical stuff in the field. There's a lot of educators in the world not just in the public school system, also there's all of the charter schools, and are principles and stuff considered teachers? You can tweak a lot of numbers if you want to.

@mikeb.2925

2 жыл бұрын

I'm sure it includes private school teachers and college professors

Millionaire boat repair guy here! Dave’s system is how I got here! Live on less than you make, invest and don’t use debt - boom!

Dave, I’m a retired COP , I had a dream, I worked side jobs to afford the training to be a flight instructor. I’m about to retire again as an airline pilot. I’m a member of your club a couple of times over due to investing. My favorite quote BTW it’s mine “ you can look like you have money or you can actually have money. It takes a whole lot of money to do both”.

With houses at $500k, it’s hard to believe that there are only 17 million millionaires in America. Sad.

@araslintakas9135

2 жыл бұрын

If you owe the bank $450k, then the net worth is only $50k. That is why zero debt is so liberating.

@leee3880

2 жыл бұрын

@@araslintakas9135 and sometimes a persons house is all they have, they consider their house as their “retirement.”

@darbyohara

9 ай бұрын

Remember a lot of them include the value of their home in that calculation

@tortoisehead30

9 ай бұрын

@@darbyohara Yes, that was my point

I love people like Dave are so direct. These days people are soft.

@KathyAZ

2 жыл бұрын

You hurt my feeeeeelings. LOL, I know not to cry to Dave about it!

Love the hope! Thank you Dave. People frequently preach on Faith, and on Love, but Hope often gets missed.

Dave speaks the truth. Some people don't like that.

My dad is a millionaire engineer. He sent his kids to good schools, lived frugally otherwise, and saved. He's a millionaire, has his house totally paid, and has a loving family. He lives the American Dream and anyone can do it.

@nicodimus2222

10 ай бұрын

To be fair, not everyone is intelligent enough to be a professional engineer, and that's simply genetic. However, even with many lower paying jobs than engineer, you can make good choices, save money, and invest. No matter your salary, you are responsible for what you do with it.

@hacker4chn841

10 ай бұрын

@@nicodimus2222 Amen! As a financial planner, I think anyone can be financially independent for the record. See Warren Buffet's story of the millionaire librarian! Yes. The intelligence to be an engineer is mostly genetic. But I'm a believer that anyone, if they make good choices and invest wisely can be a millionaire.

54 years old. Automotive engineer that retired last year. Put myself through college, never married, never budgeted, had credit cards for 30+ years, new cars every 4 years. Lots of expensive hobbies and travel. 25-35% charitable giving annually. No inheritance, no help from parents. Retired last year with multiple millions. All you have to do is spend less than you make and invest the difference. That and being blessed.

Dave 's rants are can hurt,be funny and direct i love his sarcasm 🤣🤣🤣

Can’t lie, I deal with the public a lot and a lot of us are dumb, even worse entitled. It’s sad.

@plantface510

2 жыл бұрын

This is step one. The admitting.

@Corkfish1

2 жыл бұрын

Start putting a couple hundred dollars a month in an index fund in your 20s and by the time you're in your 60s you're a millionaire. It really is that easy.

@UliSwag

2 жыл бұрын

Agreed

@cs1992

2 жыл бұрын

So true...BTW, most folks do not understand the definition of "entitled" or "privileged; it's quite an unproveable assertion to assume privilege plays any part. Privilege denotes that you did not earn an asset...I know nobody who did not WORK for everything they have. I can afford decent things for my child because I EARNED the ability to do so. My wife and and work hard as parents to ensure the kids are raised properly...key word: WORK. I am grateful for that opportunity, but it would not happen if I had not worked for it. Working and Earning things in life (owning a house, car, affording to pay for things of your choice etc) is not privilege.

@dknowles60

2 жыл бұрын

@@Corkfish1 100 dollars a month will get the job done 👍

I'm a teacher and a multi millionaire. I was fortunate enough to work with many investors early on in my career. All of these mentors of mine were unassuming people.

@mcfrisko834

2 жыл бұрын

How did you surround yourself with these types of people?

My wife and I have a net worth of not one, but several million dollars. We started with nothing while putting ourselves through college and have good jobs. We worked together and reached our goals after decades of good decisions. We pay more than our fair share in taxes and support our communities. It was actually easy to do in this country. I appreciate all of the brave men and women in uniform that made this possible. I make no apologies to anyone. Thank you.

@donwasser7252

Жыл бұрын

Growing well it's like growing thin if you follow the instructions they all will work

Mixture of Dave Ramsey Baby Steps and Money Guy FOO will allow me to change my family tree 🌳! Generational Wealth in the making.

I'm tearing into work and doing every hour they let me work. And when i'm not working i'm either working on a side gig or improving myself discipline wise. Love this kind of message.

@alinatamashevich3354

2 жыл бұрын

In you zest, don;t forget to invest that money.

I am a nurse and I know nurses are bad managers of money. When I was in nursing school, all I would hear other students say is “I am going to buy a new car when I graduate” or “I am going to buy a new house when I graduate”. I had plans to save my money and buy a used vehicle (since the vehicle I had in school was falling apart). 13 years later, I still have that vehicle and am on the way to a good retirement. I also built a tiny home debt-free. I feel you Dave! I agree. I hope anyone reading this is inspired. YOU CAN DO THIS!

I became a millionaire following Dave Ramseys advice. Hourly worker in a factory, not a 6 figure paycheck guy.

Dave yall are doing a great job and are a blessing to all. You trust people when they say that they did not receive money from friends or relatives. I see too many people around me that receive money from insurance claims and inheritance.

My observation of people's money habits convinces me that most of them don't think long term when making financial decisions. It's just a case of I want this or that now, and I really don't care how much it costs as long as I can make the payments. But now I really don't have anything left after bills to save for retirement. They have it all backwards because they should pay their savings first and then budget the money that's left.

@johannesswillery7855

2 жыл бұрын

It is simply about delayed gratification.

@sarahscroggins2793

2 жыл бұрын

Proverbs 23:4-5 - Do not toil to acquire wealth; be discerning enough to desist.

@alinatamashevich3354

2 жыл бұрын

@@sarahscroggins2793 Proverbs 22:7

@jasmines.6325

2 жыл бұрын

people who are stressed and poor find it difficult to make good financial decisions but its not their fault, its really quite hard if everyone in your social safety net is poor too

Dave telling people that have decided to disregard basic biology that they can't argue with math. Pretty sure the response would be 'watch me'

@jordanhoman0212

2 жыл бұрын

You talking about trans-gender, or anti-maskers?

@KathyAZ

2 жыл бұрын

1+1=2

@scinusa

2 жыл бұрын

Math is a four letter word. Anyone that count should know that.

@freeindeed8416

2 жыл бұрын

@@jordanhoman0212 Transgender antimaskers

Bankrupt at 41. Millionaire at 61. Working as a utility worker. Saved and invested. Used a financial planner. It can be done.

My math teachers very consistently showed high financial literacy. In fact, it was one that I barely was around that inspired me to become financially literate.

I'm a professional musician. Musician obviously does not make the list of top 10 careers that lead to millionaire status. However, instead of whining about it, I'm out there hustling and grinding. I make $70k per year as a musician, providing for my family, and we invest in a Roth IRA every month. My wife and I are on track to become millionaires by the time I retire. It's just about focus, sacrifice, and hard work: the stuff Dave has been teaching for 30 years.

@jannemyllyla1223

2 жыл бұрын

Basically, it is just first getting out of debt, and then living below your means & investing for about 150 months. A bit depends on the income of course. Engineers probably get to 1M in 10 years, teachers could take closer to 20.

@johnSmith-uz8nl

2 жыл бұрын

By the time you retire? YOU NEED TO DO BETTER.

@victoriastevens9052

2 жыл бұрын

Awesome 👌

@dank1518

2 жыл бұрын

Kool, I’ll bet you do better than anticipated because you have a plan.

@megalodon1726

2 жыл бұрын

You should put some of your performances on your KZread channel.

It is or it isn’t. It is amazing when even close people can’t believe the success that IS achieved following your system. It works! Thank you again! From the heart of a part time Special Education Teacher that has been a stay at home mom for a longer period. It is about how you decide to handle the money you get. Yes, it is to live below your means. And boy, it is soooo worth it! Living like no one else feels good. Even in the first phase. And CLEARLY in the second one 😀

Amen!!! Hope this message reaches more people !

You guys ARE the best! I could go on and on and on. Thank you for all that you are doing!

The sistema of baby steps is so simple that people mistrust and turn on the complicated mind and says "it can't be that simple, they are trying to trick me". We are not that important, or you chose to do it or not. Great job to Dave and is company! The world need people like you to continue to change life's!

@lc9493

2 жыл бұрын

People cannot accept that they are doing something wrong that is why they are not winning. You have to be brave and own up to your weaknesses and be willing to work on yourself. You cannot be doing the same thing and expect different results. I also met a lot of people that have conditioned themselves that they will always be broke and struggling with finances. It’s like they are hopeless and being broke is the norm. It’s kinda sad.

Dave definitely understands that what he is saying is so freaking aggressive it's bound to make people mad...

As an estate planning attorney, who sees a lot of people's financial info, his top six did not surprise me in the least.

It's less about income, and more about what you save of it.