Anytime I think I'm worried about my financial situation I watch this show and realize I'm actually doing pretty good.

@skeletor4115

3 ай бұрын

I gonna create a shortcut for this one

@homeboy391

3 ай бұрын

Lol! Funny

@bruceyung70

3 ай бұрын

😂😂😂

@Digital860

3 ай бұрын

😂 same

@ericlopez-fo3iq

3 ай бұрын

Lol😂😂 exactly , this is the financial version of watching maury 😅😅

They need a “where are they now” episode.

@jay-rus4437

3 ай бұрын

For sure. Would be awesome

@mercedeswilkins9085

3 ай бұрын

Yes

@ChristSaves88

3 ай бұрын

I agree!!!

@suebrose7545

3 ай бұрын

Especially the young woman he told to call the police! So worried about her!

@psharpe5904

3 ай бұрын

The poor house

Im surprised he didn’t bust out laughing when the first caller said they work in government. Really explains their spending lol

@carmenross1077

3 ай бұрын

I said maybe they can replace AOC so they can get some bribes or something, politics is one big craft of corruption and lies, not all but it’s predominant

@Riceblox2000

3 ай бұрын

@@mrbean7888 obviously you haven’t heard Dave say “spending like you’re in congress”. It’s because of how the government spends. Sorry things go over your head

@Riceblox2000

3 ай бұрын

@@mrbean7888 look, 70 people understood my comment just fine. Clearly it’s above your head so move on.

@TioMogi

3 ай бұрын

​@@mrbean7888 sounds like cope from a government worker 😏

@gorshenbag

2 ай бұрын

It’s scary how many politicians can’t even manage their own finances.

I’m going to be debt free in april. I’m so excited.🎉 Update: I’m debt free yaayy 💃

@cesarcolli1042

3 ай бұрын

Congratulations!! Keep it up

@brazzzzz

2 ай бұрын

HELL YEA

@jeffosborne5768

2 ай бұрын

June for me!!!

@James-qt9dj

2 ай бұрын

CONGRATULATIONS don’t give up and stick with the baby steps. Worked for us.

@Zigglemier

2 ай бұрын

Nice!

Say what now Caller:"I m a million in debt." Dave: "Stop buying stupid stuff."

MBA with 300k credit card debt sounds like... Me, software engineer, not knowing how to turn my laptop on.

@kimi651

Ай бұрын

Lol...too funny

@techtherapy9467

Ай бұрын

Exactly bro 😂

@chittalkstudio

Ай бұрын

I’m so confused

@talaverajr391

Ай бұрын

​@@chittalkstudioMBA= Masters in Business Administration. Yet she is 300k in debt. Still confused?

@roketynoramallorca2882

Ай бұрын

I dont get it how people are allowed to get so much debt. Is this an american thing? No bank here would lent me that much money.

I have a strong feeling the First Lady didn’t take any of his advice😂

@MidwestFarmToys

3 ай бұрын

Certainly she didn't. You can just tell by the voice. Politicians are a certain breed who think themselves above the rest of us.

@amarrookie1097

2 ай бұрын

Love is blind

@Kaotix_music

2 ай бұрын

She was honestly better off just filing bankruptcy lol. I think he gave her every reason on why she should

@jogugaga7121

2 ай бұрын

women ☕

@laurengosh7722

Ай бұрын

​@@jogugaga7121did you miss the part where she said most of the credit debt is her husband's?

"We're not ready to talk marriage; until we're ready to talk money"- Words of Wisdom to Live by forever by Mr. Ramsey

@pattyajones

3 ай бұрын

YEAH BABY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

@roadrunner9622

2 ай бұрын

Yep. A potential spouse that won't talk about money? That should be a non-starter. Credit will allow you to delay facing money issues for a long time. But one day it WILL force its way in and make you face it.

@crowtservo

2 ай бұрын

Yeah, my wife refused to talk about money until after we got married. She said money shouldn’t matter, just our love does. Well, we are still paying down her student loan and car…

@kamdenbrothers8089

2 ай бұрын

​@@Foodie.206if you can't trust to share money with them you just shouldn't get married.

@Kindcaringsoulgentle

2 ай бұрын

AND I bet a lot of folks don't even think of this before they jump in with both feet and emotionally. That scares the living heck outta me!

I started watching Dave right after i bought a 20k truck in 2018, realized it was a terrible financial decision at the time. Since then I've doubled my income, married my wonderful wife and i pay off the truck next week.

@jogugaga7121

2 ай бұрын

Top ten things that didn't happen.

@jongenness3509

2 ай бұрын

@@jogugaga7121I don’t see how this couldn’t happen 😂this is very possible, he paid off a 20k truck in 6 years and doubled his income? Your comment is wild. lol

@jogugaga7121

2 ай бұрын

@@jongenness3509 I was talking about him having a wife as a guy who bought a truck in his youth.

@rumbi4603

2 ай бұрын

congrats on the payed off truck bud!!

@W_I_I_N

Ай бұрын

right??? if he double his income it shouldnt take 6 years to pay it off lol@@jongenness3509

I’m glad I paid 27k off of my student loans in 4 months by working and paying as much as I could on them. Now I’m debt free! Next step is a house! (Just turned 27)

@jogugaga7121

2 ай бұрын

💪

@master_your_English

Ай бұрын

Go, mate! 🎉🎉🎉

@andrewgundy3045

Ай бұрын

Good luck mate

@Antbeast23

Ай бұрын

I got about 7k in credit card and car loans and 8k in student loans . It’s not a lot but overwhelming still considering I’m not making stable income lmao. If I can find a stable job and income I can pay it off in a year or so. 😢

@RuEd294

23 күн бұрын

Wonderful!❤

As a 31 year old first generation American from Mexican parents who NEVER taught me anything about money, I discovered Dave a little too late and unfortunately do have debt, not as much as a lot of these callers, but I am in the right mindset, it’s not too late.

@ljevans5993

4 күн бұрын

Dumb box !

The first call is a great example that educated does not mean smart

@randyscott9896

Ай бұрын

|I was thinking the same

100% agree My daughter left school at 16yo with no qualifications. She had a learning disability. I told her find a permanent full time job and you can leave. I’m not too clever either but a very hard worker and saver. My daughter is the same. Fast forward she’s now 33yo owns her own home and has already halved her mortgage through extra principal payments. She now is in a job with $85k a car and petrol for personal use. You do not need an arts degree. You need a work ethic, saving ethic and resilience and focus.

The first call… this is the type of people that works in our government, let that sink in…

@stt5v2002

3 ай бұрын

OMG THE GOBERGMINT!! Boring comment that is made every second of every day.

@mbank3832

3 ай бұрын

@@stt5v2002 tell me you love to shove your problems under the rug without telling me

@matthewhambrecht2414

3 ай бұрын

@@stt5v2002 is def a govt drone worker lol

@SnifferSock

3 ай бұрын

​@stt5v2002 take a wild guess who caused most of societies problems?

@mbank3832

3 ай бұрын

@@mrbean7888 yet, you're the one came barking for you being butthurt ...

For the first caller, $230K for two people is good income, terrible income for their debt level. I remember this call and was a classic from the pre-pandemic days. Dave should do a follow up call on her, and I wonder if she is still married.

@blaze376192

3 ай бұрын

I've noticed a trend with ppl that have high income but even higher debt. It's like they focused their brain on making money, and have no common sense on how to keep it.

@SoloVeracity

3 ай бұрын

230K before pandemic is nuts household income. Bet that's like 280k+ today.

@hornetguy9063

3 ай бұрын

@@blaze376192also remember that a lot of these people do have advanced degrees and the like. So they go on to get all of those status-driven, higher income jobs that they can brag about on LinkedIn. But because they are adults with their own bills to pay and mouths to feed, they rely heavily on debt at a time when others work. Obviously these people are extreme, but I definitely know a fair amount of people who seem to spend their 30’s and 40’s paying for what their 20’s couldn’t afford to get.

@hornetguy9063

3 ай бұрын

@@SoloVeracitypretty much it. Even in DC, the median single family is around $603k according to NAR. So a household making $280k should be able to do quite well

@MollyMA13

3 ай бұрын

@@blaze376192lifestyle inflation :/

"better than I deserve, what's up?" Legendary

This channel is solely responsible for my motivation to spend wisely and retire comfortably.

@SDV1998

Ай бұрын

Yes same

@oliviasmith7044

Ай бұрын

Me too!!!

I still like it best when Dave ran solo because it's easier to follow one person speaking to the caller.

@danmeck5978

2 ай бұрын

Yes and without the mouth sounds agreeing with him. "Hmm hmm, yep, ha ha, ooooh"

@OopThereItIs77777

2 ай бұрын

@@danmeck5978he’s gonna be done soon, Danny. … lol he’s phasing himself out. Let the man retire

@everydy

21 күн бұрын

​@@OopThereItIs77777🎯🎯🎯 he's been on his soapbox for 30+ years, he's weary from all of our bad decisions 🤣

To anyone reading this: do NOT treat paypal like a bank account. They can steal your money. It happens all the time in the art community where artists have lare sums sitting in their account and PayPal flags their account and just takes it all away! And they refuse to give ir back, its just lost. So PSA, make sure you always transfer to a proper bank.

You are used to spending like you are in congress😂😂😂😂😂😂 best line ever

Years ago, I watched a YT channel called homeless firefighter which introduced me to this show. I followed his lead and moved into my truck bed with a camper shell. Graduated college and couldn’t fathom paying 2k in rent for an apt I was never at. 3.5 yrs later, I have no debt and 150k cash in the bank. Come from foster care so I’m used to having nothing. Separate your needs and wants and figure out what’s most important to you in the long run. For me, it’s buying a house cash out of state and working a low stress mediocre job to carry me through the rest of my years. It’s shocking to hear these stories because I can’t help but compare myself to other successful people around me and in CA there’s ALOT of them. That said, you never know what’s going on behind closed doors lol. I feel great about my situation any time I watch these videos. Thanks for sharing! Probably helps cure a lot of people stress anxiety and depression..

@tbprofile1295

2 ай бұрын

So you moved out of California? What kind of job do you have, or plan to get?

@moreclips805

2 ай бұрын

@@tbprofile1295 still in ca due to the labor rates. Once it comes time I’ll be looking at Colorado, Texas or Tennessee. My background is supply chain and warehouse, so I’ll likely look to be a warehouse lead in a factory or doing 3rd party quality control audits. Both fairly low impact on the body. How bout you? What do you got in the cards for yourself?

@oNovoRapido

Ай бұрын

​@@moreclips805 that's brilliant man, well done!

“You’re making 210, spending 310… im about to put you on 30.” Can we do this for everyone who works in government please? I think it would be very healthy for the country.

@RJWaynerium

3 ай бұрын

Agreed. Both major parties would simply die out

@MidwestFarmToys

3 ай бұрын

They don't have to... the "extracurriculars" make them all multi millionaires despite what their "official" salary is

@mightyyusuke2387

Ай бұрын

AIPAC enters the chat. "So I hear you need $1 mil. I can help you with that. Just change this policy in our favor"

@decidocisum

Ай бұрын

See UK. Their conservative diet has done wonders for them.

@RJWaynerium

Ай бұрын

​@@decidocisumhuh?

“ you got things that you couldn’t afford with the money, you didn’t have” the most honest words

“you’ve gotten used to spending like you’re in congress” 🤣 i had this same talk with myself like 3 years ago. took me like 6 months to pay 40k CC off with half their income. they’ll be fine.

@lledwig

3 ай бұрын

Any good tips about doing that in such a short period of time?

@montanax8127

2 ай бұрын

​@@lledwigRice and beans, beans and rice

@Cymricus

2 ай бұрын

@@montanax8127 bingo. food budget went from 2000 a month to 300 a month. that was the biggest change. i took the opportunity to eat healthier, cook for myself (vegetables though, not rice), and to stop drinking all together. and “NO DOOR DASH TONY” absolutely zero door dash, which was my biggest offender. i don’t eat out, so for most people it would be no eating out. and i don’t mean i did it every once in a while. i stopped it completely.

The first caller is exhibit A on why our government has gotten us in so much national debt. She keeps spouting off these "advanced degrees", but that doesn't mean squat if you don't actually have knowledge that you can apply in day-to-day life. And she worked in government policy??? Heaven help us all.

@eileenwatt8283

3 ай бұрын

That's their personal choices. The government didn't tell them to get those degrees. They sre also living above their means .

@scottgiles3053

3 ай бұрын

@@eileenwatt8283 What I'm saying is that stupid people like that are the ones running the government thinking they know better than the rest of us...when they don't know the basic fundamentals of personal finance.

@em34ev3r

3 ай бұрын

Exactly, the government didn't make her or her husband do anything. They were falsely led by society's advice on getting advanced degrees to obtain advanced careers. Doesn't work that way, and working for the federal government definitely limits your ability to make a lot of money.

@canubeleiveit

2 ай бұрын

No shit!!! That's exactly what I was thinking.

@gaypreator8547

2 ай бұрын

Most college graduates get that “whatever degree”, only because they studied hard to pass a test. None of that translates to real life, except to just get by. Goes to me, got a great degree - because I could pass the tests. Looked good to everyone but me. Never what I wanted to do. But, these people blow my mind for their utter ignorance. Up side I have never been in debt and never will be. I live comfortably - approaching 75 and my future looks good, except for the direction our Government is taking us. One day at a time.

Dave is right. My wife and I spent for a lifestyle to try to keep up with everyone around us mostly out of jealousy. All it did was get us into crushing debt. We got together and made radical changes. To this day when I pull up to a light in my 12 yr old rusty truck to a guy driving a brand new $80k truck I smile knowing he's probably broke and my wife and are are now debt free and millionaires now.

@AK-ne4og

Ай бұрын

Excellent. I couldn't care less about what others have. I want peaceful and happy life and that does not involve showing off.

@jbdragon3295

8 күн бұрын

I drive a 20 year old truck! So many millionaires are cheap as hell. I knew of one who was living in a mobile home he was that cheap. Being cheap helped to become a millionaire. No need to be flashing. No worry’s about gold diggers. No one knows you have over a million.

Well said Dave

I live in the UK and started doing the baby steps at the start of 2024. I am now at the start of baby step 3 after saving £1000, paying off my credit card and selling my car. I am so thankful that I came across Dave’s videos as it has changed the trajectory of my financial future.

@jackie1710

Ай бұрын

Way to go!! That’s great- good luck in your journey! 😊

@kimferzoco6755

Ай бұрын

Regarding the first caller- I disagree with Dave about selling a $300k home to just get out $90k towards the debt. If they have a low mortgage rate, the monthly may contribute to income and with inflation it may make sense to hold that home.

That deep conversation with that young entrepreneur was really moving. You can't change people easily, so bringing in a family friend is excellent advice

@roadrunner9622

2 ай бұрын

I don't know if I believe that call is real. 16 years old and making $50,000 a month using arbitrage?

@SubvertTheState

2 ай бұрын

​@@roadrunner9622 why not? One of my best friends was really depressed and was out of work. He sat in his room on the computer for over a year. Half a million dollars was his revenue the next year. Lets just say he took performance enhancing drugs and built a web scraper which would gather and collate arbitrage opportunities. He also programmed freelance.

@adriangutierrez3196

2 ай бұрын

@@roadrunner9622 the beauty of the internet, u can say whatever horse manure u want, and without justfications, people will believe u. you really think a guy that is making 50k a month will call dave ramsey because his mom is "traditional" lmao, i made 6k in options thinking i was going to become rich and the ego that comes with thinking your above the market goes to ur head, can't imagine the guy that makes half a million at 16 would even care what their mother thinks

@damanfromtn

2 ай бұрын

If he is actually telling the truth, I wonder if he is going to deal with the significant taxes owed. He is going to high school too?

@zackcinq-mars2129

Ай бұрын

@@damanfromtn So true, missed opportunity to warn him about the massive taxes coming his way. Kid probably has no idea

Dave has helped so many people. I cant thank him enough.

These clips are all from the old school studio and when it was "The Dave Ramsey Show". That's when this show was the best! Thanks for the upload.

@amyj4438

3 ай бұрын

Yeah, It's still his show but like he said in an interview.... he wants to retire and if he died tomorrow he wouldn't want everything that was built to collapse because it was solely reliant on him if he died. So they have been transitioning him out. It's actually nice to see him being able to spend more time with his grand babies after working so hard and building an empire. 😊

Growing up as my older siblings went off to college my father said get any degree you want as long as it has an "employable skill." At a young age I knew that term. We were so fortunate to be taught about earning and saving money. I feel sorry for so many of these callers.

While I understand I’m a lot closer to these people than I am to being a billionaire…the holes some people dig for themselves really are mind blowing.

With Dave heading into semi-retirement, I could use one of these episodes each week 👍

@mercedeswilkins9085

3 ай бұрын

Yes

In Europe we used to have such a thing as a ‘Finishing School’, where wealthy parents sent their daughters to learn social skills to improve their chances of marrying a man of wealth and position. Which is pretty much what the majority of University education has become these days, but with zero chance of hitting the husband jackpot. That is, if you are investing hundreds of thousands in an education, you’d better be damned sure it will give you an income .

@favouritename

7 күн бұрын

In what country in Europe is this happening?

I love these stories it makes me feel like a financial genius

@ujayet

Ай бұрын

It makes me feel broke,, seeing everyone make good money and I’m not.

I like Dave. I don't agree with all of this ideas but he is trying to help people. That's awesome.

@iva11200

3 ай бұрын

What you don’t agree w/? I’m curious

@cococock2418

2 ай бұрын

No he’s a typical out of touch boomer who made his money during the most prosperous economic time in world history, then tells young people they need to live off ramen noodles.

@dutch4117

2 ай бұрын

@@iva11200He’s was definitely wrong about bitcoin. At least in the short term. But he preaches long term investments anyway… Also, he’s so against any debt when some debt can sometimes be a hedge against inflation…. But he’s way more successful than I, so who you gonna trust? Lol

The first call took my breath away

@kathleencooney1518

3 ай бұрын

I feel rich in comparison! I have no debt ( including no mortgage ) and make 1/4 of their income. I’m wondering how 2 people can spend that much money !!!!

@lindap.p.1337

3 ай бұрын

@@kathleencooney1518Ding, ding, ding…..i know the answer. They did it blindly and stupidly. They know zero about money. What do they drive? How often do they go out? What is their clothing budget? How often do they travel? Are they buying expensive drugs?

@lindap.p.1337

3 ай бұрын

I do not believe caller number two.

The last 5-6 minutes are pure GOLD

May God continue to preserve Dave Ramsey and his show, the family and his employees! 🙏🏼

I like how Dave tended to guess "what are you 28?" with these big time in debt calls. Apparently we reach the peak intersection point of youthful stupidity and "oh crap the real world is eating me alive" around that age huh?

@harrytipton3996

3 ай бұрын

Im 22 thanks for scaring me. Youre tellin me im not done being dumb

@chrishayes4166

3 ай бұрын

@@harrytipton3996 haha at 38 now looking back now I had a LOT of learning and experience left yet to take in at 22. And at 55 I'm sure I'll say similar of my 38yo self (life willing). But I do recall having that 6+ years of work and real world (aka post school) experience in that 29yo range felt like a significant leap in my personal wisdom of the world we are a part of and an influence upon.

@harrytipton3996

3 ай бұрын

@@chrishayes4166 i have idea an things i want todo but i have no idea how to start them. I dont know who i am but who does at 22 i guess.

@franciskeys9810

3 ай бұрын

@@harrytipton3996You can choose a different path. I'm 59 and I come from a working class family. I've never had crushing debt. Good luck to you, sir. You can live a good life. Just live a good live that is within your means no matter who tells you take on debt.

@Rome1017Lights

3 ай бұрын

It hit me at right at 28 🤣

I think the second caller is wise to not tell his mum. And I say this as a mum of 2 very tech savvy boys. He needs to protect what he’s worked hard to build up. Of course if my boys built up this kind of wealth in a legal way I’d be so proud of them and I’d be asking that they talk to a financial advisor to best utilise that wealth. But I know some parents would take advantage of the situation.

@sarahhannah9647

3 ай бұрын

Not to mention that by not telling her he could get her in trouble with the IRS. Being 16 she is most definitely claiming him as a dependent on her taxes. If she claims him as a dependent she will get in trouble for tax fraud. If he doesn’t file taxes that’s tax evasion.

Looking at these episodes with all the “student loans” and realizing the bless we are in when the government is taking care of our education!

You know you listen too much to the Ramsey Show when you remember every single one of these calls/rants live on the radio. LOL

The last rant about choosing a good major to escape student debt is a major reason I choose engineering

I feel so sorry for all these people who start out in life in debt because of a student loan. It’s crazy. I live in England, I didn’t go to college, which would have been free by the way. I didn’t want to go university as I could see everyone coming out starting life in debt. I got a job straight from school. Never borrowed money, never had a credit card. I am now 70, live a very comfortable life, no mortgage on my million dollar house, no debt, plenty to live on. My son didn’t want to go to university, he got a job straight from school. He has now just bought the company he works for. He has no debt apart from a home loan which is soon to be paid off. He is 42. University is not the be all and end all. You can get a job and make it in life without university!!!

Every time I'm about to spend money I hear Dave 'Better than I deserve'. I wish he would do a World tour.

When I realize I have 7,500 in debt, I’m super proud of myself and honestly never had more than that:). I’m 42 yrs old

Here I am stressing out about my $4k in credit card debt that seems to never go away.

@hannassewingschool4874

2 ай бұрын

Did you cut up the card?

@kinw5648

2 ай бұрын

@@hannassewingschool4874 No, that's not going to help. I memorised the card number already lol

@Playingwithproxies

2 ай бұрын

Try giving the credit card company roughly $4k it works like a charm. Key is not spending anything else on it while you do that.

The way she tried to calm daves mind in the beginning by saying they were gonna take a finance class hahahaha

Discovering this show from across the Atlantic. The financial situations of some of these people are mind boggling. I've been working for a decade, and my way of thinking has been the following: enjoy today, but NEVER spend more than you can afford/pay back in a reasonable timeframe. I've never had much money saved, but I've always kept the boat afloat. Because of this, I see myself as bad at managing finances. But seeing that some people are crippled with tens of thousands in debts, I may not be as bad as I thought.

I just started rebuilding my credit and also am investing on my roth IRA..Good debt only.

I wish that each call was labeled with the year that they called. Great show. I agree that a where are they now would be great

My son got a degree in History. His dad helped him quite a bit, and so did I, and he worked full time through undergrad. He taught as a grad student and adjunct and worked as a grad assistant, AND got stipends.for grad school. Then he got his PhD in April 2020, right when college/university enrollment dropped 40% because of covid. He's doing well now, but what a nightmare! If he'd done a bunch of student loans he'd have drowned. Literally.

The first call was from several years ago (I remember it from that time; also, it was filmed at the old studio). I wonder if that caller took the advice and is in a better place today, or if she and her husband just blew past it and are now $2 million in debt.

@EsiriE

3 ай бұрын

Same! I just wish we could get updates!

I love Dave. Met Dave through FPU back in 2012 .... its taken me years, but I've finally fallen in love with this. This program for success brings confidence, solid planning and peace, peace, peace. Shalom to all.

I used these videos before I go shopping it is like therapy

You ended up up a creek with a really short paddle love that😂🎉

Shocking advice to the young man who has built a small fortune at a very young age. Clearly he knows his mother better than random radio guy. Do what you feel is best.

@itsallperfectlynormal9805

13 күн бұрын

I agree! At 16, my mother would've tried taking that money. I would've advised him to move that money out of PayPal and if I were consulting anyone, it'd be a trusted financial advisor.

The pastor has a great plan for your money kid.😅

@JosephAsamoah

Ай бұрын

Tithe

@mmd2035

Күн бұрын

That was absolutely ridiculous😂

Every Pastor is not great on giving advice especially regarding money. People should be very careful about divulging information about finances

@kathleencooney1518

3 ай бұрын

I think it was not about financial advice, it’s advice on how to tell his Mother.

@oooBASTIooo

2 ай бұрын

Every person not =/= Not every person..

"Condo, its gone." Best news ever.

You been sentence to ramen for life😂😂

Great video compilation guys, thanks for putting these out there.

Dave to Mike: “You’re heading straight at the wall, with the accelerator on the floor.” Dave took me out with that line. Lmao!

Yes please, keep posting this kind of content. Love Dave Ramsey

The 17yr old making 300-400k .. Should not tell the pastor because most pastors will say u should give to the church. Hopefully when the mom finds out she wont think its her money as well

$800k in non-mortgage debt and both work in the government. Explains our national debt I guess.

@BenState

Ай бұрын

no it doesnt

An update video would be interesting, if possible.

Here are people hundreds of thousands in debt and I'm stressing over 5-6 thousands it's not that bad for me I see the light

That passionate speech at the end is so cinematic. It could be in a pretty good movie. ❤

I love when the lady said we both have advanced degrees how’s that working out

I so appreciate his approach when he asks if they are in a good church and to speak to the verse about contentment when materialism is so rampant and brings a spiritual aspect- because really, all things are scriptural.

The first lady might as well file bankruptcy 😂

@ladybuggs11

Ай бұрын

She will still have to pay.

Man, I love you Dave. I want to be just like you when I get older.

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

@Lourd-Bab

2 ай бұрын

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

@usDewitt

2 ай бұрын

@@Lourd-Bab However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments..

@Lourd-Bab

2 ай бұрын

@@usDewitt Oh please i would love that .

@usDewitt

2 ай бұрын

@@Lourd-Bab Judith Ann peace is her name.

@usDewitt

2 ай бұрын

Lookup with her name on the webpage.

As a debt collector, I can confirm that debt consolidation companies tend to suck I've had people call in panicking because they are getting garnished for a debt they thought was paid

@Burlykim13

Ай бұрын

Another scam

I hope the second caller didn't tell anyone

@seagirl1100

3 ай бұрын

I wish Dave had mentioned investing, it’s a secret our youth is never told. Investment as a teen is huge to be a millionaire very young.

@firstname7470

3 ай бұрын

@@seagirl1100 He can't invest without a custodial account. Hopefully, he will follow Ramsey's financial advice when he turns 18. I think he has baby step #1 accomplished!

@jennywren2696

2 ай бұрын

He should NEVER tell his pastor

It was just getting good at 43 mins. I look forward to more of these videos!

The last part of this video is the best highlight. 👌🏿

My son who also works e commerce told me that for that 16 yr old to be making $50k/mo in the niche he is in he is likely laudering money for an organized crime ring and he doesn't realize it. He said it's very difficult to make that much in what he is doing. He said these foreign organized crime rings prey on these younger internet savvy kids because they often don't understand what is happening.

@fullsendalberto4838

Ай бұрын

Not exactly

@mattkosiarski658

Ай бұрын

Or your son isn't very good at e-commerce.. its like someone who makes 30k a year telling you that you can only make 300k a year by doing illegal stuff...THERE ARE LEVELS and this kid might be on a very high one compared to other kids.....

@robb69

Ай бұрын

@mattkosiarski658 my son makes well above this. He's 25 and is already semi-retired. He is speaking simply based on the area of e commerce that this kid says he is involved in.

@MM-mj6tz

27 күн бұрын

I think that was an old call. There was a moment in time where drop shipping was very profitable but too many people started doing it and the moment has now passed. A bit like what Dave predicted would happen.

I binge on these whenever I think about buying stupid shit

I’m glad Ramsey has released these episodes. They remind of when I got into the show back in 2009. Those were interesting shows back then.

Was waiting for volume 3!

The failure of how people are educated and manipulated is ASTOUNDING and dangerous for the future of our country

@annehajdu8654

3 ай бұрын

People are stupid when it comes to debt.

Selling a condo she bought years ago just to pay off 90k??? That's a wild suggestion, it's impossible to buy a house these days.. real estate is the only thing that's worth saving

@scottbirch968

Ай бұрын

Like he doesn’t know what he’s saying? Do property prices increase as fast a credit card debt fueled by high interest?

Call 1 : Living like they’re RICH 💥🤣🤣🤣

Sometimes bankruptcy makes sense.

Works in DC, works in the govt... has insane debt.... big surprise.

@garage3022

3 ай бұрын

Imagine how these people spend money that isnt theirs... yeah. Thats how we got to 40 trillion.

investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good?......,...

@user-wi5ib5ji6k

2 ай бұрын

I understand your concerns, my friend. I recommend exploring passive index fund investing and expanding your knowledge in this area. Personally, I experienced both successes and challenges when initially seeking a reliable passive income..

@BernardineRingwood77

2 ай бұрын

how do I get in touch with this consultant that assist??,...,..

@user-wi5ib5ji6k

2 ай бұрын

STEPHANIE KOPP MEEKS, that's whom i work with look her

@BernardineRingwood77

2 ай бұрын

Thanks for these recommendations.....

I’ll never get over how much these people make and how much water they get themselves in. I mean I fucked up bad too but lord have mercy on these people.

Hopefully the 2nd caller got his money out of the PP account. There are horror stories of PP freezing accounts or straight up talking money out of them.

I can't imagine paying cash on everything and NOT taking advantage of miles and points. Crazy!

@eleo_b

2 ай бұрын

If you can handle it, sure. These people can’t.

@Rhodesters

2 ай бұрын

@@eleo_b fair point

Working construction, dept free great credit score. About to open up another line of credit to be able to use it to purchase supplies for my first duplex. Which will be paid in cash. Then I’ll refinance. Thank you Dave and my boss for all of the advice. Plz hold me accountable god.

@Jaminn724

Ай бұрын

I'm very confused by this statement. You are purchasing the house cash and then buying supplies on a credit to fix it up? What are you refinancing the supply credit? Are you planning on selling your old place or the new place? Or are you renting one out? If you are looking to rent one out I would just avoid this whole thing and use your surplus in investing. If you're moving then I'd honestly pay for supplies out of pocket and have a mortgage. If you are flipping then what you're doing makes sense but I'm not sure what you're refinancing.

@joshsanders5614

Ай бұрын

@@Jaminn724 yes dude I have investments already which I also can liquidate for the house. Yes the credit is for refinancing. Your head okay now, do JaMInN understand now. G Ive got two teachers already don’t want you to be my third.

A University degree teaches us how to research, learn and transfer knowledge to others. Regardless of the nature of a degree the individual behind it will determine the manner the resources is spent or not.

I LOVE history. And archaeology, geology, geography, languages and natural history. I can afford to love them because i went to Med School, which gave me the tools to learn in any field in which i was interested IN MY SPARE TIME whilst i was earning £££££££££. And the bonus is, i can afford to travel to see for real all the things i have been researching in my spare time.

@stuartlawler2411

Ай бұрын

Posh boy. Its nit your spare time, its time that your daddy has bought from the lower class.

@emanuelsadu263

Ай бұрын

Humanitys should always be studied in free time. The ones who want to do humanitys must have trully rich parents and be ready for a long grind untill they make a name in the field or a professor retires and you get his chair.

Fun fact, majority of people on social media struggling in modern financial situations don’t want to work, feel entitled and or don’t save and invest properly

2019 was a good year!

great advice mr Dave

There needs to be a follow up episode on all these calls.

@annehajdu8654

3 ай бұрын

Agreed.