Just finished baby step 2!!!!! 33k in 17 months making 55k!!!! IM DEBT FREE🎉🎉💵🎉

@LovelyCeee

2 жыл бұрын

CONGRATULATIONS!!!🎉🎈🎊

@shannoneg2000

2 жыл бұрын

Woot woot! Congratulations!

@cosmic_giant1523

2 жыл бұрын

Congratulations 🎊

@terriharper7504

2 жыл бұрын

Congratulations to you!!! Way to go!!!🥳🎉🥳

@elway423

2 жыл бұрын

Congrats

I’ve yet to hear Debt Free Screamers ending up with lower salaries than what they made at the beginning. It proves that setting intentions to pay off debt equals increase in every way. I love this!

I beg your pardon Dave but my 2012 Toyota Camry with 150k miles is NOT a hooptie 🤣🤣🤣 I have at least 150k more miles to go, it’s practically NEW!!!!😂😂😂

@SabrinaB6123

4 ай бұрын

I dont even feel like my 2007 Camry is a hooptie 😂

@joannanytko126

3 ай бұрын

I have the same feeling about my 2012 Kia Rio 😅

@jacobgray9742

3 ай бұрын

Neither is my 10’ Mazda! 🫡

@GwenMotoGirl

3 ай бұрын

😂😂😂

@soniataylor5529

3 ай бұрын

My 2009 land rover isn't either bought cash for 2k. I love it, I'm in baby step 2 but I will keep that thing even when I'm in babystep 7.!!😂

My GF brought up the subject of solar panels: asked me my thoughts and if it should be something we should consider, we pay $120 a month for power $80 is line charges so if we used no power we would still pay $80 a month. That means we use $10 a week in power *: at $20k for solar panels it would take 40 years to pay that $10 a week: cause we would still be paying the $80 Line charge just incase we don't get enough sun* the panels just don't make sense *

@brenthouseholder4174

2 жыл бұрын

If you are looking at it from a financial perspective then yes, it doesn’t make sense. But, many people get solar panels for environmental and reliability reasons. Where I am the electric grid is not very reliable, so having solar with battery backup is a great thing to have. I don’t personally have solar, but there are more factors at play than just cost.

@danielkoontz6732

3 ай бұрын

Holy cow $80 just to have the service?! I pay $5 for line charge!

@TH0KH

11 күн бұрын

​@danielkoontz6732 that's how it is where I am too. I use like $20/m max blasting AC in summer, but with fees it's near $100. Water also has like $40 in fees and gas is about 30

It's so sweet that Rachel's husband installed a charging port for his wife in his father in law's building. 😂

I really enjoy listening to this man speak. I tell everyone I know to listen to him

Debt is dumb, cash is King...I missed that opening!

"Human bings should be around other human bings." - Dave Ramsey (@22:20)

“Labor costs” did NOT increase the price of everything. Companies have doubled their PROFITS (after costs). They are simply price gouging you and Dave is covering for them. Don’t let the rich blame workers. One raise in 50 years and they try to bend you right back over to keep riding you

@CyrusZerbe

Ай бұрын

Amen

I went from a gmc diesel to a Audi Etron. I’m saving $500 a month on fuel alone. And the car was $10k cheaper than the truck

@taz24787

4 ай бұрын

Did you see the Dave's video of the guy calling with an electric Audi having to pay $20k in replacements (~10k from battery)?

@Christdeliverme

3 ай бұрын

In that 7 months you lost more than that 10k in depreciation on your Etron your old truck held its value. In addition if the Etron filled the trucks shoes you weren't doing anything that required a truck in the first place.

@julieann2315

Ай бұрын

​@taz24787 replacing battery? Don't they all have a warranty for the first 7 yrs or so.

@taz24787

Ай бұрын

@@julieann2315 Seems not all.

George, I love your sense of humor. Keep up the great work!

@ExpertPara1111

2 жыл бұрын

Thanks👍👍Diane☑️

@ExpertPara1111

2 жыл бұрын

Told you, to reach out ☝️☝️🚀

I love Dave’s face when he talks about the “in-secure” Act from January 2020… almost like Dave knows the feds knew something was coming… hmmm…

Congratulations Porshia and Quency! Great job and practice of unity! So proud of you both! Great program and show Dave Ramsey❤

@ExpertPara1111

2 жыл бұрын

Thanks for commenting 👍👍👍☑️

I just love when people bring politics in. You guys would get more exposure if you shut up about political sides.

@viking0116

2 ай бұрын

Truth hurts…

@cokedclassic7627

2 ай бұрын

@@viking0116 not even close...makes me doubt he knows what the f he is talking about. You are a 🤡

Dave is calling a 2011 Camry a hooptie? If an $8k car is a hooptie then both of my cars are very close to being one and they aren’t leaving anytime soon 😝 George is right though, at 130k miles it had just broken in. It is a Toyota!

@jaronbaker2807

2 жыл бұрын

If that 2011 is a hoopty then I’m gonna start calling my 99 dodge ram a classic.

@benblackburn2693

2 жыл бұрын

The overall message is that the probability of needing to fix or repair either vehicle would be more expected on the 2011. At any rate that's when a lot of factory parts and pieces will begin to require replacement.

@jordangarrick703

2 жыл бұрын

The man should get out from the RAV4 and keep the Camry - he can get another 150k + out of it

@sab7120

2 жыл бұрын

My car is a 2003 Honda. Not sure what Dave would classify that as.

@suestone5076

2 жыл бұрын

My 2002 Honda Civic has 123K; 2003 Camry has 175K. Painted each a few years ago, so they still look good! Giving the Honda to my brother this weekend. I’ll drive the Camry until it dies, or the price of cars levels out. Paid for cars are a wonderful thing!

Julie and Colin, you guys are amazing!!! I hope you keep sharing your story to inspire others. Especially people your age and younger.♥

@ExpertPara1111

2 жыл бұрын

Thanks for commenting Diane☑️👍

@ExpertPara1111

2 жыл бұрын

Reach out ☝️☝️🚀

Delivering pizza in Minneapolis is DANGEROUS..Goodness!..this week midafternoon there were 50 casings at a gunfight scene..in a decent suburb... driving for Uber or Lyft is equally dangerous because of the carjackings at gun and knife point

@martinramirezmi5457

2 ай бұрын

Move

Totally sucks that she lost her husband, but getting a million dollars and life insurance should probably smooth it over I don't know what the financial problem would be here except for just blowing it on stupid stuff

@colleengarcia7752

3 ай бұрын

She should be able to collect his social security too. And her kid is 15. He should receive some too.

@loft27ss

3 ай бұрын

And at 51 she still can work

@TH0KH

11 күн бұрын

She's probably never had to deal with anything like this before and is still shaken up. It's reassuring to have an expert give you options

I watched yesterday and left a comment in the live chat but had to come back to say, I’m really tired of Dave Ramsey saying that our work shortage is due to the payments people got during the pandemic. It was a total of what $3600 for some people to get a stimulus check that is not going to last you longer than maybe a month when all combined. The unemployment payments have stopped for almost over a year. People have just become their own boss whether that’s through social media influencer or actually opening a store where they sell items out of their home or out of a store front. It’s a really weak excuse that doesn’t actually look into our current work environment and how it’s evolving.

@StLouis-yg8jp

2 жыл бұрын

They are disconnected from reality in some aspects: inflation, stock market, rent, the price of a pizza, etc. They're mostly good though.

@nathalieisneon

4 ай бұрын

I agree. I love the show and we are working through the baby steps. But I do a little eye roll every time I hear about rent prices, 15year mortgages, and the work shortage. It sucks but the reality is that the price of things have gone up exponentially, and yes, the greedy companies who increased prices during COVID due to actual work shortages have not brought their prices down… even though they’ve got people working again. So yeah, my grocery budget was 96 for the week and we spent 145 even though we didn’t buy any “big” items. Thank god we have a good income and I can reduce and shift from our other sinking funds but I question every day how people with 50k income, 75k debt, and 2+kids with daycare do it. They don’t. The reality is just that they don’t get it. Their numbers no longer work since around 2021/2022

I can’t afford $800 for it that’s why I listen to you on KZread

Porshia and Quency, I was thinking what a beautiful couple before Dave said it. You guys are adorable!!

@ExpertPara1111

2 жыл бұрын

Thanks 👍👍❤️❤️

50:43 haha! love that ad :)

That information helped me Dave. I did want to know.

@ExpertPara1111

2 жыл бұрын

Thanks for commenting👍👍Diane🚀

@ExpertPara1111

2 жыл бұрын

Reach out ☝️☝️

Friends AND family made fun😢 of me and ridiculed me for saving money and being frugal. They asked for MY HELP AND INFO when everything crashed in 2008 and I still was able to send my child to summer camp. " Teach me how to do coupons!!" I told them to go to ....😡

I'd buy the Camry those are great cars!

OMG please don’t use a friend to sell your house! They will not be your friend in this.

God bless all of you.3.5

Realtors are not on your side. They are there to sell/buy for their commission.

I've sold my home myself. It's actually not difficult. Title company helped walk us through. That being said, we have a realtor we use often and it's only 3%. Negotiate...7% is too high

@ExpertPara1111

2 жыл бұрын

Reach out☝️☝️Sarah

I believe a spouse has the "option" of taking RMDs similar to if, not exactly the same as, the deceased. Kids do not. Kids must draw it down in 10 years. I know this part because I inherited one from my father 3 mo. ago.

Tesla has an audio feedback feature.

I am going to finance 60K to buy a car. There is a simple calculation on the gas to evaluate how much it would take to pay in gas for that. I recently did this and figured it would be 7 to 8 years in gas if i drive to work each day.

IRA accounts work wonders to be able to save money.

So, my question is this - How can Dave say that an EV is stupid when he doesn’t even know all of the costs that go into it? He doesn’t even know the cost to fuel it! Plus, just saying Dave, it also depends on where you live. Where I am, I can charge my car at home and at work for free! I have owned my EV for two years and have paid only $21.35 for two emergency fill ups when I needed to go to a commercial charging station. Based on my usage, I have saved $4,450 in fuel cost over that time. Furthermore, the cost to maintain an EV is cheaper than an ICE vehicle. I could go on and on here, but I won’t.

@auburnanger6679

4 ай бұрын

It was stupid for the guy who called in tho? 60 finance to save a few bucks ? I think that's what he was talking about

And keep in mind the increased insurance and annual car tabs if you buy a new vehicle.

@ExpertPara1111

2 жыл бұрын

Reach out☝️☝️JK

my only problem with the Tesla is, there's much cheaper options. a bolt, a Nissan leaf plus gets decent range. a Niro EV. all options with good range you can buy for a quarter the price of a Tesla, and without the stupid insurance payments of a Tesla.

@cosmic_giant1523

2 жыл бұрын

Prius? 😁

@adamgronvold8608

2 жыл бұрын

@@cosmic_giant1523 Ioniq

@cosmic_giant1523

2 жыл бұрын

@@adamgronvold8608 132 miles a gallon, sheesh.. definitely a ioniq😁

@cosmic_giant1523

2 жыл бұрын

Ioniq 5

@barbieblue3336

2 жыл бұрын

I like the Bolt

Church by the glades! ❤

It was hard enough getting a house and i had a license before, no fsbo

7% to a real estate agent, that's unbelievable, where I live it's a fixed fee of around $1500 (converted to dollars), other places close by it's 1-1.5%.

@juggernaut6771

4 ай бұрын

6% is the national average.

@juggernaut6771

4 ай бұрын

$1500 is ridiculous. Your really expecting a real estate agent to sell 4 houses a month and only make 6k before taxes?

@stevenwilliamson6234

4 ай бұрын

​@@juggernaut6771Hi, I think the average in the UK is much lower, around 1.5% & in some cases a fixed fee.

@juggernaut6771

4 ай бұрын

@stevenwilliamson6234 that sounds rough for British real estate agents.

I don't even have ten close friends (as in income is close to your closest friends'), but that's more than okay with me. BS6.

@ExpertPara1111

2 жыл бұрын

Reach out ☝️☝️🚀

I know a really successful clothing seller who consistently sells 2x-3x what is in his store every 90 days, he says he promotes just about everything at 2%.

I have the same question about the Tesla but I drive 150 miles a day and I spend about 480 on gas anyways

@AndreyKvyatkovskiy

3 күн бұрын

On gas 🤣

Can you please post any Mutual Fund tickers that have a long term track record of 10-12%?

@StLouis-yg8jp

2 жыл бұрын

Just pick one that tracks the S&P500

What i don't understand is why you guys are rich and doing ads?? First 2 minutes i get a ad!! Thats ridiculous. Gonna have to stop listening until u address this issue

@PokeKon91

3 ай бұрын

Lmao stop your crying

@ceazer181

3 ай бұрын

@@PokeKon91 grow up

@flygirl2447

2 ай бұрын

Even though Ramsey is a successful enterprise it’s still a business. There are still employees and overhead to pay. Would you rather pay to watch? This content is free. No subscription needed. Be grateful for the small inconvenience of a few ads.

If I were her, I’d pay that house off ASAP.

Why would anyone criticize someone for trying to get out of debt? 🤔

@Chris-ke7bn

2 жыл бұрын

Dave is pretty backwards. He will say to do one thing but does the thing he says not to do.

@BenjaminLammers27

2 жыл бұрын

My boss did. She told me ot wasn't smart and I was making a mistake.

@chuckstemm443

2 жыл бұрын

The world doesn’t care about your struggles and they’re glad you have them. I guess it’s best to keep things to yourself

@ExpertPara1111

2 жыл бұрын

Reach out☝️☝️🚀🆙 All

@Bethelgal42

2 жыл бұрын

Jealousy! They think they can't "get ahead," do they don't want you to either.

Poor George, he got lambasted last time, not doing that again...

With these high gas prices I fuel up about every 9 days. It costs about $65 to fuel up my car. 365 days ÷ 9 days = ~41 times I fill up in 1 year. 41 × $65 = $2,665 in gas per year. $60,000 Tesla ÷ $2,665 = ~22.5 years to breakeven on gas.

@NextGenEvs

2 жыл бұрын

Your math is incorrect. The average new car price in the US is $47,000. A $60,000 Tesla - $47,000 = $13,000. $13,000/$2,665 = 4.88 years. That’s not including all the other maintenance expense associated with a gas car. You can’t compare the price of a new car and cost of ownership with your existing used car. A new gas car will be more expensive than your existing car too!

@KentPittsburgh

2 жыл бұрын

@@NextGenEvs fair points thanks for the corrections

@NextGenEvs

2 жыл бұрын

@@KentPittsburgh any time 🙂

@twattgurll

2 жыл бұрын

@@NextGenEvs Tesla has bumped its prices up. Base model Y = 69,000+ Wall charger ($2500) including installation. 71500- 47000 = 24500/2655= 9.19 years.

@NextGenEvs

2 жыл бұрын

@@twattgurll False. Tesla Model Y starts at $63,000. Tesla Model 3 starts at $48,500. Just $1,500 above the average new car price in the US. Breakeven would be less than 1 year. Also, charger installation isn’t always required and is on average $500-1,500. Also helps with your homes resale.

So Kamal and Rachel both drive Tesla's now? Nice.

@ExpertPara1111

2 жыл бұрын

Reach out☝️☝️🚀

Anyone remember the emu farm craze?

I love how he assumes that everyone drives just a couple of miles a day lol. Sure, don't even take into account that lots of people commute to work and gas is $6.50 per gallon.

@jcoyne1978

2 жыл бұрын

I drive 45 mins one way to work and my gas bill went from $100 to $200... not much of a budget breaker. Car choice matters as well.

@meleenabradley3017

2 жыл бұрын

Here in CA where I am gas is almost $6.00. We paid almost $100 to fill up our Honda pilot 😭

@BeastMacin11

2 жыл бұрын

@@meleenabradley3017 same. I’m also in California and it’s hitting almost $70 to fill up my Toyota matrix 🥵

@meleenabradley3017

2 жыл бұрын

@@BeastMacin11 we go to Costco were is the best deal to get gas at. We go really early or 20 minutes before they close.

@BeastMacin11

2 жыл бұрын

@@meleenabradley3017 that’s at Costco lol. I was just agreeing at how high prices are even for the “gas friendly” cars

Ya its the best way to get a parking spot in my jobs garage, get an electric car and u get a good spot.

Cmon georrrrge

Human Beans😂

What about cars charged on buildings that have solar panels?

@TH0KH

11 күн бұрын

Now that's big brain thinking 🧠

yeah, i'm a muscle car guy myself.... can't stand EV's, wouldn't touch one with a 10 ft pole

spouse does not have to do the 10 year payout

@ExpertPara1111

2 жыл бұрын

Thanks for commenting 👍👍☑️

@ExpertPara1111

2 жыл бұрын

Reach out ☝️☝️james☑️☑️

Are you all coming to Northern California soon

A guy who called Peter Schiff an idiot...oh David believe in yourself 😄😄😄

@ExpertPara1111

2 жыл бұрын

Reach out☝️🚀

That's a problem with trust fund babies, they can sit there and feel bad for themselves because the money comes in they don't have to think about life

I want to hear Dave,Rachel and George debate ev's! I'm with Dave there to quite!

@ExpertPara1111

2 жыл бұрын

😂 😄

@ExpertPara1111

2 жыл бұрын

Reach out ☝️☝️Danzilly🚀👍

@jonsmith9728

2 жыл бұрын

likewise... real cars use gas and have engines

👍🏾

😂😂😂😂😂

“I use to be a millionaire until Biden came in office” 😂😂😂😂😂 Let the 🤡 speak

So Dave doesn't approve of Tesla's and family members and " personalities" all have one?😮😮😮 My daughter's never listened to me also. For retirement theyll have nothing saved.😢 i hope they they have high lufe insurance policies on their husbands. I have 1.2 million on mine.😂

"Was your husband honored during his funeral with a nice casket?" "Yes he was." "Great, okay dig him up and sell his casket, we've GOT to get this debt down. If he was still alive I'd box his ears for dying and putting you in this situation."

Not sure I agree with getting a realtor that does hundreds of transactions per year. I don't think that should be the hard deciding factor. Depends on how much consulting you actually want from the realtor. When they get that busy, you usually aren't working with that realtor, but their less experienced team. That's just what I have noticed. You probably won't even speak to that realtor.

Love George but he needs to quit calling it a high yield savings account. Call it a money market. It just sounds funny hearing it.

@platinumhandymansolutions

2 жыл бұрын

@@thegreatcoward im just saying a 1% high yield savings account is laughable to be called high yield. It just doesnt sound right. Still love you Kamel.

@devenmurray3580

2 жыл бұрын

@@platinumhandymansolutions we aren’t just making up descriptions here. They have different structures and rules. The actual result being high or low to YOU is your own problem

@StLouis-yg8jp

2 жыл бұрын

For once George isn't the cringe one here, it's you.

Have any of you been happy with DR Smartvestor pros? On the first try? How do I learn about funds like UMBMX, AMBEX, AMBFX, HYMAX?

@katherinefellman9676

2 жыл бұрын

I have been happy with both Ramsey ELP Real Estate and Financial adviors. I did, however, interview three of each before choosing one of each, which is recommended. Don't just go with the first one bc they are ELPs. Go with the one that fits you!

People call in and Dave isn't the expert that he claims to be 😂

@cokedclassic7627

3 ай бұрын

Yeah he gave poor insurance advice when I went to check it out my insurance people were like that's not how it works. This is regarding homeowners insurance. I am glad I checked and now I understand it more but not the right info