Please do a Ramsey dating service!!! You have no idea how hard it is to find those like minded people. 😂

@raymondcunanan1135

Жыл бұрын

Agree

@6foot4meme24

Жыл бұрын

Actually this would be pretty interesting

@xgamingwithnickx2567

Жыл бұрын

Agreed

@georgewagner7787

Жыл бұрын

Just put your profile number from your service here ( or however it works, i don't date so no idea)

@dw4525

Жыл бұрын

Make sure the profiles show household income too.

My wife talked about it when deciding where to go for our very first date. I asked if she wanted to grab a bite to eat somewhere. She recommended a picnic at the park, cause she was low on money and for food could get some cheap snacks at the grocery store. First sign of true love there.

@DeematheFashionDesigner

Жыл бұрын

I prefer the same way! Home cooked is better and you get to know each other easily

@alinatamashevich3354

Жыл бұрын

@@DeematheFashionDesigner Or burn down a house, roll the dice.....

@DeematheFashionDesigner

Жыл бұрын

@@alinatamashevich3354 games ?

@alinatamashevich3354

Жыл бұрын

@@DeematheFashionDesigner LoL, my cooking requires a fire extinguisher. I warned my b/f

@neisci

Жыл бұрын

I still think the one extending the invitation should pay and the one paying should pick the place or type of program.

At 3:47- "In every family, there's crazy, and if you think not, THEN IT'S YOU!" Truer words were never spoken!!!

@donnabailey9884

Жыл бұрын

So true!

Attractive woman: Hi Dave. Want to go out sometime? Dave: what is your household income?

@gabrielhillceo

Жыл бұрын

Do you rent, have a mortgage? Do you have any debt? Student loans?

@zachbean1956

Жыл бұрын

Honestly not a bad question, no matter what she looks like if she comes with half a mill of student loan debt for early childhood education it is a deal breaker....

@vickieclark5931

Жыл бұрын

Sell the cars and the kids. LOL

@johnmartin4641

Жыл бұрын

@@zachbean1956 if you’re Dave, that’s pocket change. I obviously wouldn’t be happy about it, but if my wife had that, I would pay it off and be with her.

@sjones3191

Жыл бұрын

@@johnmartin4641 agreed

I really like Kristina - she is smart, gives good advice and brings out the best in Dave when they host the show!

I would think getting grilled on my finances by someone I just started dating would be what they call a "red flag". Now, if you have been dating for a while and things are starting to get serious, then yes, a discussion about future kids and finances would be appropriate.

@janelleg597

Жыл бұрын

Getting grilled is different than discussing a general approach about money and finances. The initial conversation shouldn't be an interrogation. Do a flyby and then ya, dig into details later down the road

@abetterlivedlife

Жыл бұрын

I think kids can be such a huge deal breaker and "accidents" can happen that kids should be discussed very early, like first or second date, just to check intentions. Other than that, there are different levels or softer ways to approach it early before going into details. For example, I could say, "I'm big into savings because I want to be able to retire well, maybe even early. What about you?" That response can get you some information without "grilling" them. The point is to find out deal breakers BEFORE it gets serious to make it easy to walk away without the resentment that someone wasted your time or trying to change the other person and just being angry when you find you can't.

@jengable4888

Жыл бұрын

I agree ! That is not a discussion for a first, second, third, or fourth date. After a while, most will gather enough information to determine whether the relationship is worth pursuing longer than three months.

I like Ramsey's list of agreements for marriage. Though I'd add a #5 - Politics.

@MichaelAnderson-wk1no

Жыл бұрын

I would say alignment on political beliefs is more of a "nice to have", because many people simply don't care that much about politics. If you and your spouse have different political beliefs, but neither are strongly invested in those political beliefs, then I think you can have a prosperous marriage. Religion is not quite that simple, though, as Dave explained.

One coveat to asking questions about finances to pay attention to the consistency of their statements with their behavior.

I think asking "so.... in dating.... what are your non-negotiables?" is a perfectly legitimate question on a first date. I would lead to good discussion. If it doesn't.... you know you're not a match. Talking about deep topics is actually easier with someone you hardly know and probably won't see again.

We agreed on Dave's four things from the very beginning. If you do that, you have the best chance of making it like we did. Most people don't talk about those things, and their marriage doesn't work out.

As with any topic in dating, think how long you would be okay not knowing something before realizing this person is not a good fit for you.

“Here is my Junk, can you handle it” 😂😂😂😂

@neilsmith9066

Жыл бұрын

😂

@newlevel3545

Жыл бұрын

A bit on the nose uncle Dave😂😂😂

@BuckMulligan72

Жыл бұрын

I only scrolled down to see if anyone else posted it. lol

@lifeseries7944

Жыл бұрын

She doesn't know that people hide their true self or simply don't even know themselves well.

@randomrendered1856

Жыл бұрын

👀🤏

Just yesterday I had this conversation with someone I've been dating on-and-off for the past two years.

Really depends on the decade you're dating. In your 30's and 40's and beyond it will come up just like kids way quicker than in your teens or 20's.

@kstar1956

Жыл бұрын

Exactly! 30's and 40's people are looking for long term commitments, not interested in playing games at least some aren't.

@ke6264

Жыл бұрын

True

@craigcarter400

Жыл бұрын

I’ve noticed that too. My age range when I was looking was late 20s to early 40s.

Time to launch the Ramsey Romance Network

That Ramsey dating service is such a great idea ! Will make my dating life much more easier frfr

first date: beans and rice.

@daurian6461

6 күн бұрын

second date: rice and beans.

If it starts getting serious. It's time to talk. Can't wait too long, though. Time is precious.

@bufficliff8978

17 күн бұрын

Not when it's the only first date someone's going to get for the next 2 years

How you deal with this depends on how you met. If you met in real life, have this discussion on the third date. By that time you know if you want to see this person regularly, but your emotions arn't so involved that you can't walk away. If you are being set up for a blind date, the person who set you up is tasked with vetting the other person before you two meet. If you meet online, then your bio needs to have your deal breakers listed. Your opening conversation should include asking them if they understand your deal breakers, and if they have any questions about them.

I think getting all this stuff out of the way upfront is a mistake. That is the problem with modern dating. All these filters and choices etc. People are just looking for the perfect person. You can be discarded for anything. It is much better to get to the know the person for who they are as a person and their mindset before bringing up anything like this. That way you actually know them and can decide if they are worth helping or if they would be ok with making changes with you for the future. There are tons of people who hear "I have $500k of debt" and are gone right away. However, that person may be super ambitious and are working hard to pay it off. You left and meanwhile they paid it off 5yrs later and are now a big time lawyer etc. People are too quick to judge. They don't wanna deal with the problems. They just wanna get you when you are at the finish line. A real relationship the person you are with will help you cross it rather than wait at the end.

Honestly you can figure it without really asking. Just ask “what do you work in” And if they say “oh I work at target” but then you see them in a newer car, nice clothes, always wanting to go out. Then you have what you need to know.

@tristan2332

Жыл бұрын

Yep..observations go along way of what's the picture with this person. If they said they were in a good paying job and they drive a modest car you might found a keeper. How it was when I first dated future wife I knew she at least money wise was on same page as me.

@GrandChessboard

Жыл бұрын

They would just tell you they are an influencer or something. LOL

@goldengoose7492

Жыл бұрын

I have a terrible car but am earning allot more than people my age and don’t buy major brand clothes. Why? Because I’m sensible with money and invest allot so I wouldn’t jump to judgement to quick. Especially with cars! Most people with nice cars have big car loans. I have no debt besides my house 🎉

@Jane5720

Жыл бұрын

Target has a whole bunch of other positions other than working retail sales so no that’s not an indication

@Jane5720

Жыл бұрын

@@GrandChessboard I can’t imagine being the least bit interested in an influencer or if they think they are

The value starts immediately as it is part of life. But we were engaged when the nitty gritty was talked about. I was 30, she 23. She was wiser and I agreed to her plan. It worked. 20 years later we've done very well.

Dave's words really enlightened her!

A Sunday school teacher I used to assist who taught middle school aged kids, used to tell them to do your homework before you even ask them out on a first date. He used the term know if you can marry them before you date them, and he meant by that you have to have your must haves in mind before you even ask them out and if you don't get to know who you're asking out you're probably going wrong by asking them out. Asking for a number to talk is different but dating should be between two like minded people. I always clinged to that advice

The best way to go about this is to segway into it naturally in the conversation. For example, you could ask: what type of content do you watch? You could say you watch Dave Ramsey or lots of personal finance videos on KZread. You just want to find someone who is also about this same culture of personal finance.

People only say best things about themselves, many won’t mention their flaws!

@bmoshareholderappleshareho855

Жыл бұрын

Dating and courtship is all an act. The real person comes out when you are actually living together.

My wife of 45 years and I discussed finances early on with the ground rule that we share everything. One checking account, one savings account and both of us responsible for financial obligations. We discussed major purchases but did not fret over the little purchases. It has been great and as a result we never really argued over money.

@jimroscovius

Жыл бұрын

We did the same thing. We were on the same page from the beginning. We went together for six years before we got married, so we knew what our finances and debts were. We went together on everything upon marriage - one checking account, one savings account, etc. It worked wonderfully - been married for 40 years.

@summerforever6736

Жыл бұрын

Not safe

@AmandaRogersarock1988

Жыл бұрын

Just curious if you did this before or after getting married?

@karlabritfeld7104

Жыл бұрын

Same with me and my husband.

@karlabritfeld7104

Жыл бұрын

@@summerforever6736 how's that attitude working for you?

Thank you!

lawrd ramsey you killing me sir and homie girl is on point i come with warnings can you vibe or nah

………just before you sign the prenup 😃

I think on the first date I’d mention as part of my daily goals and activities that I enjoy being debt free. If that particular statement sparks a conversation, that would be really cool to know one way or the other how they feel about you even mentioning that. See how nerdy they are. ❤️

I’d say don’t make it just finance only. Talk about everything

If it is that important to you, say it right away. That way the man knows EXACTLY where your intent lies and can plan an exit strategy

In the first month I usually have the conversation that starts "what are your financial, life, personal, academic goals?" that way you get to know then and their values and know if your paths align.

@karlabritfeld7104

Жыл бұрын

How has that worked out?

This is excellent advice. So much wisdom. Huge difference between "recreational" dating -- shared sense of fun, no bad breath, attractiveness vs. "courting" -- relationship with parents, future kids, money, religion, etc. etc. (toothpaste and clothes folding can be worked out later).

@kokoskokso

Жыл бұрын

I like the term courting

Do this earlier on, saves alot of time and heartache.

for me no no on dates but when things are getting serious or one is talking about moving in that is when to bring it up

If it really matters to you, I think it is OK to talk about marriage and money first thing on the first date. It will save you a lot of time (most men will just leave at the spot). Preferably talk about it before ordering food.

@marleyjanim5033

Жыл бұрын

1000

@tam6011

Жыл бұрын

Yeah I think it’s also age dependent

When you start getting serious, then you talk about it.

@kokoskokso

Жыл бұрын

Ideally before

@karlabritfeld7104

Жыл бұрын

Agree

@karlabritfeld7104

Жыл бұрын

Anything before you're actually serious is suspicious.

Finances and how many kids etc should be discussed early on in the relationship in my opinion.

My money is not the concern of any of the women that I'm dating

Another Ramsey listener here in Oakland - good luck Alexandra!

Be sure to ask to see their W2s for the past two years too. Seriously, use your head on this one. Talk about money when you feel the time is right

Definitely put it in your dating profile

Practically immediately

@modalsoul6511

Жыл бұрын

Why would you ask someone about finances immediately? That’s a big turnoff…. Trust and believe that’s a woman’s logic …ain’t no man thinking about a woman’s money anytime during a date .

@themasterofdisaster1

Жыл бұрын

That would be a red flag for me. Especially on the first few dates.

@MrJimmy3459

Жыл бұрын

Like first date immediately? Seems to soon

@rwilbher89

Жыл бұрын

After smashing. It’s easier moving to the next 304

@modalsoul6511

Жыл бұрын

@@rwilbher89 😂😂😂😂😂😂😂 FACTS

This is why you should be fully transparent in everything from the jump

I give dating three months before I get serious. Till then it has a shelf life. At that point you will know all the red flags.

Try to bring it up smoothly, don't make it super awkward

Dating a person that I met as her tax accountant. She wanted to see mine since I had already seen hers…tax return.

@raunij7967

Жыл бұрын

😂😂😂😂😂😂too cute

You pick up on clues over a few dates and calls

Ramsies Romance. Sounds catchy 😉

@sweatygamergainz870

Жыл бұрын

Dating site for financially responsible people

Second date at the latest

This is absolutely hilarious!!!😂

Having a parter is like having tom brady on your team or having a noob on your team.

Yikes, if the main thing on your mind is how much I make then you are also thinking about how to take it from me. If all you care about is money then who cares about you. People in this country think a relationship is a business merger or more over a hostile takeover.

@eurekahope5310

Жыл бұрын

This is less about how much you make and more about your values and motivation. Doctors and lawyers can have a mountain of debt while a mechanic of the same age may be debt free and own his home outright. I am happily married out of college. Neither one of us had much money but we worked hard to pay off student loans and buy a house. Our first year of marriage we would have qualified for state aid, but we just lived frugally. It is less about income and more about mindset

@raymondcunanan1135

Жыл бұрын

@@eurekahope5310 well said

If you meet someone that you like and they have trouble paying for lunch, and they have trouble paying their rent and utilities... You know that person is bad at handling money. Do you want to be with someone like that? People usually show who they are quickly. Either they're cheap, broke or stingy. If any of those traits show up within a few weeks of dating, forget it

@unnamedchannel1237

Жыл бұрын

Cheep and stingy are fine . Broke not so much

@MijoShrek

Жыл бұрын

Yeah, be careful because the people that don't spend money consciously and with intention toward life goals will call you anytime you say no to the whims of their desires to spend.

2nd or 3rd date. No later. You can save yourself a lot of time and heartache this way.

@bmoshareholderappleshareho855

Жыл бұрын

Relationships are not charities. They are personal investments.

@marleyjanim5033

Жыл бұрын

1st date Save more time

@kokoskokso

Жыл бұрын

Yesss I'm done wasting time

They left out the *$EXUAL COMPATIBILITY*

@bufficliff8978

17 күн бұрын

Sexual preferences change throughout a relationship

This is actually a question I want to know an answer to. 😊

@kevinrehberg8758

Жыл бұрын

I told my GF that I had injured my back being accidentally pulled off of a stage when I was working a Bachelorette party.. she laughed after a moment and said "really"?..I said ... no it wasn't a bachelorette party it was commercial fishing.. but I know now how you handle outlandish statements

Gradually but directly and in stages starting with vague 1000 foot view topics. Think of it like your searching for a meeting of the minds on a range of topics.

@celpaz4584

Жыл бұрын

Very good!!!

@shauleen

Жыл бұрын

I like this response 👏🏽

This women going to scare him off pretty quick but atleast she can find a compatible person faster

When you're dating, money is no object.

A first date shouldn't be a job interview, and that's one reason why moderns are chronically single.

As soon as you are considering this person for marriage!

This is what my wife and I did, it really works.

First date you make her pay😁jk I’d agree with in a few weeks of talking/dating you should know where the other person stands financially

First Date ask a women how much student loan debt, then excuse to go to bathroom, and bounce.

The first date! I mean why not, no need to waste time talking about fluff and stupid stuff. You don't have to get super detailed like how much you make or how much debt you have but speaking to the persons general ideas of money management shouldn't be difficult to discuss.

Here my take. First date. Hi my name is so and so, I'm a big dave ramsey fan. You?

@GrandChessboard

Жыл бұрын

LOL, if you just watch youtube financial influencers then you are poor because if you had a lot of money you don't need to watch them, lol...

@raymondcunanan1135

Жыл бұрын

And that person said he/she is a big fan of Cardi B 😂

@DontBowToEvil

Жыл бұрын

@@raymondcunanan1135 🤣🤣🤣 I'd walk out of that date as soon as she'd say that - leave her with the bill too!

I also ask on my first dates, "here's my junk, can you handle it?" as well. Some result in a wild night, some jail. You win some, you lose some I suppose.

If you've both made it clear y'qll are dating for marriage (which should be talked about maybe even prior to the first date). I'd say 2nd or 3rd.

0:34 I expect to see tax returns and paystubs by the third or fourth date.

Third date.

After being married for 21 years, divorced and remarried; deal with the issue of money right away, maybe put KZread on and watch the show one day and then talk about money goals, spending habits. ONE thing you wil never get back is you time, you can get cars, houses, stuff back, but not your time, in my case not only that, but cannot have a child with the person I love most on the planet because of this.

With a Ramsey dating site, you would still deal with a lot of creeps but just ones without debt 😂😂😂

Never. Your money is none of their business.

Hahahahaha Dave is so out of the game he froze for a minute 😂😂😂😂😂😂 Kids, finances, values, abortion, family dynamics, etc. that should be discussed early on. Very mater of fact, no emotions, no judging. Sometimes people have opposite views and that’s not anyones fault just a preference.

2nd date. Believe me, it works. I am married now 😝😝😝😝

@bufficliff8978

17 күн бұрын

You're not married BECAUSE of that conversation.

Oakland? No thanks!

@amireallythatgrumpy6508

Жыл бұрын

America? No thanks!

The sooner the better! I don't want a first date with anyone who wants to live a debt lifestyle.

@aolvaar8792

Жыл бұрын

I worked with a young woman, who had a $10,600/mo mortgage. What does this tell you?

Aha please wait at least a month or two or you will likely scare the person off 😅

@abetterlivedlife

Жыл бұрын

If they are that easily scared off, they aren't for me anyway🤣

It's not that complicated. All you need to know is in an _income statement,_ a _balance sheet statement,_ and a _cash flow statement._ Gotta make sure to look at the cash flow, as otherwise they may play games with depreciation and EBITDA to fool you. ( o.o)

@marleyjanim5033

Жыл бұрын

D.T.I. Debt to income

0:36 I’m not dating anybody either right now and I want to so if you want to hang out let me know.

Being Ramsey fiscally aligned but not with his faith is also an interesting bucket

@georgewagner7787

Жыл бұрын

Bucket?

@michaelleahy6848

Жыл бұрын

@George Wagner DR is so Jesus focused; seeing value in his steps (except for postponing charity) and not being aligned in that faith for a partner is a specific bucket of DR followers.

Immediately. Like _"Soooo... where are you taking me toni-"_ _"How much debt do you have?"_

I'm thinking start looking at their attire, what they order on the menu, talk about house hunters, HGTV stuff, favorite talk shows, Dave Ramsey, idk play the rat race game😬

I've talked ramsey on dates but only if your really relaxed talking about dramatic calls and stuff

Her advice is to sit them down, put your junk on the table, and go "here's my junk" lol

🔥🙏🏼

Before the first date. Nobody got time or money to waste.

It starts with the check after the first date lol

@bmoshareholderappleshareho855

Жыл бұрын

I've had women on first dates ask me how much I make.

Loius Vuitton is a red flag

I did the night I met my wife 25 years ago. Knew I wasn't wasting my time immediately. Faith, family and finances. Check check check...

@pep590

Жыл бұрын

Good for you!

I think I would start with faith/religion after the second or third date. I want to know if I even like the guy.

✝️🙏

I have a question? Do the baby steps work internationally? What if want to live abroad? Or does it only work in the states?

@craigcarter400

Жыл бұрын

I would think it is pretty universal. Retirement accounts might have different names etc but I think everything else would be the same.

@amireallythatgrumpy6508

Жыл бұрын

The concepts would be the same, you may need to convert BS1 to your currency, and as the other reply said, translate things like 401K to whatever you have in your country.

@alinatamashevich3354

Жыл бұрын

@Steven, they only work in Countries the US has not bombed.

@stevenjustice105

Жыл бұрын

@@alinatamashevich3354 wasnt looking for a political answer.

@alinatamashevich3354

Жыл бұрын

@@stevenjustice105 Sarcasm is not your strong suit.

Do it before the date, over the phone via text

hilarious!!

In Texas your agreements are based on politics, religion, and nascar. 😂

🌟BEFORE 🌟 You fall in love 💕