Jesus loves money and he cant seem to handle it because his always asking for more Jesus and his churches should listen to this guy they could learn something
@@johndoe-pm1ql you realize that what you're saying makes no sense right? When has Jesus ever asked you for money? All that you have is because Jesus willingly died for you on the cross. Had he not, we would all be dead because of our sin. You are free because of grace. Dave Ramsey wouldn't be nearly as successful if it was for Jesus. So truly, we owe it all to Him, even though he never asks for payment.
I was doing baby step 2 when my car battery gave out and I had to replace it. The emergency fund from step 1 really helped me. For the first time in my life I’m not worrying as much about money
My wife and I had over 100k in debt...down to 17k..will be done in 3mos ...such a hard jounrney..but we learned together how to fix our money problems..for some strange feeling i feel lighter lol
Natalie Baker It was an up and down journey of 2 plus years...but as we starting knocking out debt and seeing them disappear the momentum became stronger and stronger...my wife thought I was crazy and now she is just as intense as I am...we value the little things over material things now..I can talk all day about our journey so far..its so worth it...I feel so free and im not even done yet..I can only imagine when we are completely done...it wasnt a straight line things happened along the way that would have stopped ppl who are not determined..but you have to push through
Carl Poole That's great to hear! You're on the home stretch! Early congrats are in order. With all that income used to pay off that debt over 2 years, it's going to be amazing when all that available income can be put towards safety funds and retirement. You can treat yourself a little more often and feel a little less guilty or spend money you actually have on vacation. So many people think the only way to clear up debt is with consolidation and just want the quick fix. Most peoplr in these situations dont even have the credit or income to even qualify for a consolidation loan or line of credit with cheaper rates anyway. Stop applying for loans and just pay off your debt.
He is BRUTALLY honest and I admire that alot about him... also he needs to talk more about NEEDS and WANTS and break that down thoroughly in a financial point of view
Ditto. Even though I have been following him for 20 years now! But you know what? I need that! He is the highly successful person I don't have available to mentor me. I can emulate him, as best as I can.
He's a guy who had a relatively easy go of it, had a struggle and got through it with discipline. I think as you get older and wiser you feel less like that -- he knows what he's doing, but he's not infallible. His rant about credit cards is the opposite of true. I live in a neighbourhood that has multi million dollar homes. I see the Porsches and Lamborghinis in the 6 car garages. I hear the concerts they throw for charity with Bill Clinton featuring Flo-Rida (lol). The reality is that the people who are truly wealthy did that by doing what Dave says to do, and then also using credit cards properly. Dave knows this. He knows that people can use them properly. He knows the power of reward points. He isn't stupid. His point of view, though, is that credit cards are abused, heavily, by a lot of people. He just isn't exceptional at saying so, at making that distinction, and part of me feels like that's on purpose, because the people that listen to him aren't making good decisions yet.
It's just common sense that most people know but just don't have the discipline to save. When they call in and hear out loud what they already know it hits different!
If you need this video in summary point :) Dave Ramsey's Tips to be good with money: 1. Live on less than you make 2. Live on plan 3. Have a written budget 4. Get out of debt 5. Learn to save & invest 6. Be generous It is really not that hard to understand this, but it is difficult to act on it. Start a good habit & be consistent, all for your own good. p.s. Thank you Dave Ramsey. :)
The generosity part is my love language. I love being somewhat rich because when the kids come by with popcorn and pogo cards to sell so they can play baseball in the summer. I just give them the money and refuse the popcorn and pogo cards. I just want to help others!
When I was in my 20s, broke, and in major debt, I literally lived on beans and rice. During the summer months, I let everyone I knew and all my coworkers know that I would take any garden left-overs. It's amazing how many people plant zucchini and underestimate how much will grow. One summer I think I had at least 5 pounds of zucchini left on my desk at work every day. Between that, living in a super cheap apartment, and riding my bicycle instead of driving, I had that massive debt paid down in no time.
I have multiple college degrees that required no student loans, zero debt, a paid-for car, retirement savings, and money to spend on whatever I really want.
Kathi Clark Hard work pays off!! Proud of you, your a strong women, no offense to women but most of them want to take my money and spend it atleast the ones I've been with 😂😁
The problem we have is because Most people always taught that " you only need a good job to become rich. These billionaires are operating on a whole other playbook that many don't even know exists.
It is remarkable how much long term advantage people like us have gotten by trying to be consistently not stupid, instead of trying to be very intelligent.
The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies.
Many individuals report success in investing in stocks, forex, and cryptocurrency (Bitcoin), yet I continue to struggle. Can somebody help me out or advise me on what to do?
Well said! I am also here to learn how to invest after listening to a lady on tv talk about the importance of investing and how she made 7 figures in 3 months, somehow the video taught me nothing and left me even more confused, I'm a newbie and I'm open to ideas on how to invest for retirement
@@GabrielPitchford lookup MARTHA ALONSO HARA , this is her name online, she's the real investment prodigy since the crash and has helped me recover my loses
@@GabrielPitchford Investment now will be wise but the truth is investing on your own will be high risk. I think it will be best to get a professional👌
Im 65 yrs old. Ive never bounced a check in my life ! Ive never balanced my check book ! Never had a budget. Im a dairy farmer and have been for 40 years. I have had operating loans. Its a valuable tool in farming ! Ive learned early on..... save money !!!!!!! Spend money on things you only " need " !!! Everything else follows !
I love how Dave Ramsey has satirical names for various companies and products!!! - Toys R Them - Rooms There They Went - Whole Paycheck - Discover Bondage - American Distress - Certificate of Depression - Car Fleece - Social Insecurity
He also has a nickname for the Starbucks Rewards Credit Card -AHAHAHAHAHAHAHAHAHA AHAHAHAHAHA HAHAHAHA AHAHAH ha ha ah ha ha When im in a bad mood i watch that reaction vid to the starbucks credit card it is such a good depression eliminator 😂😂
I remember hearing that question about the Starbucks Rewards Card. Dave laughed for about 20 seconds. I hope the person who sent in the question got their answer after all that laughing.
When I was twelve, I saw a computer that I really wanted. My dad bought it and said that I can have it now and pay him back with chores over time. This taught me the lesson that I can have anything I want now and worry about the consequences of paying it off later. Guess where I was at 20. In credit card debt, that’s where. The behaviors that we model for our children have tremendous impact on their future.
As a Puerto Rican man I gotta say Rice and Beans is delicious... don't forget about the chicken or pork chop on the side, though... and some fried plátanos dulces!
DanielJr hehehe as a Filipina, rice and mung beans are perfect meal 😁😁 mung beans are very very cheap too. Since I want to save so much, I am teaching myself how to cook for my meals and snacks. I learned the other day that I can use mung beans as filling in a bun (like siopao). 😊
Growing up, none of the adults around me knew how to be good with money. Now most of them are broke and living on the edge. Watching this made me feel good and sad. Could've started sooner than I should!
I’m 22 and taking this all in !!! Next year I want to be saving 5000+ a month nothing less. I am changing the way I spend starting today. I am going to calculate my debt, and budget while also having a goal of how much I want to save monthly, thank you Dave Ramsey !
It really isnt hard, the hard part is starting Thank you Dave for giving people the tools to live like no one else A year ago i was broke and eagerly waiting for paychecks so i would actually have money for a week In debt and paying it down but still buying STUFF, yeah not gonna work Then i met a girl, she loved to listen to your show, even though it aired while she was sleeping She would not stop talking about you so i looked at your channel ONE year later, I have 2 debts left and $3500 set aside why do i have so much set aside when i still have debt? Well I am marrying that girl in one month and she is paying for the wedding, so i am paying for the honeymoon THANK YOU DAVE
Allan Cobaria I haven't been to what you call a mall since they created malls in the 70s and have not eat in out in over a year, drive a 23 yr old van and spend about 10-30 bucks on cloths every few years but because I have women(an old one at that) I can in no way live below my means.
The one goal I had the best success with this year was curbing my shopping habits. I've only been shopping 5 times this entire year. I used to go shopping more than in a month. I definitely think I made progress.
We are currently living from my husbands income and putting all of my income into paying off debt. And OMG! IT IS HARD! but so so worth it. Thank you Dave for kicking our butts. We love you. Our family think we are crazy and our friends dont like us anymore but who cares, they dont pay my bills.
I Lost my father 7 years ago, it's nice to still have someone to listen to that delivers what you need to hear with a FATHER attitude. LOL (Straight Forward)
Right on Dave. Giving, in my opinion, is one of the number one ways to build wealth. Writing your goals out on paper is another great way to build wealth! “Live on less than you make!”
'Changing my heart and the way I live. Live like no one else so that later you could live and give like no one else.' Thank you Dave R for sharing your knowledge. 🙌🏻🇵🇷
Love these videos. Thank you Dave. Applying your principles I'll be debt free later this year. No more impulse purchases. No more leased cars. No more credit card swiping.
When Dave talks about the link to generosity and wealth. I've seen this in my own life. When I'm stingy I have a bad mind set, when I'm generous without giving away the farm, I'm so much better off financially.
Nice to know your a Christian... You met God on your way up and found him on your way down...Glad God is working through you to help others I would say your richer..than you know!!..or maybe you do!! God Bless You Dave
And they sell you everything the bank has to offer saying it's your loss if you don't take advantage of it. These mails I call junk and so, they get thrown in the thrash can.
I worked 4.5 years to pay off my car, 70 hours a week. Almost without fail. Now car's paid off and it's broken down. And I'm so tired of working, I'm gonna sell it. Almost called Dave over it. I love it... But now it's my equity. LOL.
It is so true about generosity...one reason i want to do better in life is so i can do more for others. It makes me happy, and that's the point, for me. Thank you for being so generous with your wisdom!
Currently I'm just being smart and frugal with my money, I'm in the green 47% over the last 15 months and l've accumulated over $700K in pure profits from DCA’ing into stocks, ETFs, dividends and futures. However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait.
Nobody knows anything you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving.
@@devereauxjnr I agree, that's the more reason I prefer my day to day invt decisions being guided by a fin-advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using a fin-advisor for over 2years+ and I've netted over 2.8million.
@@Tsunaniis-j5l I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
@@MakeamericaGreatagain-h7j I can honestly relate. It's not as easy as it may sound and requires some sacrifices but it is definitely rewarding. I don't know if I am permitted to go into details here, but her name is NICOLE DESIREE SIMON. Was in the news a lot in 2018. You may look her up for more.
@@Tsunaniis-j5l Thank you for this tip, NICOLE appears to be quite knowledgeable. After coming across her online page, I thoroughly went through her resume and I must say, it was quite impressive. I reached out to her, and I have booked a session with her.
His words are deep and inspiring, the best and sincere words I have heard in a long time. We as individuals need to change our initiative about money and start investing so our lives would mean something, not just to ourselves but also others.
I have been meeting with God a lot lately. You do have to put yourself with people who know how manage money the right way, not people who know nothing. I really value help to learn to get out debt. I want the dark cloud out of my life for the new year. Blessings to you for inspiration to live better when it comes to money. Thank You Mr. Ramsey.
5 things that will make you wealthier than you think: 1.) Do something nice for someone you dont know without wanting something in return (Enjoy the high) 2.) Do something nice for someone you do know without them knowing you did! 3.) Watch the sun come up and go down in the same day and reflect on the fact that you've probably never done something so simply beautiful in your life. 4.) Hug the person you love the most for a longggg minute... really a whole minute. Then look into their eyes for just as long. 5.) Smile because we are all struggling in our own ways... a smile is the cheapest way to multiply happiness
I am vegan for 7 years already! I only eat beans, rice, potatoes, salad, fruit etc.. I love it and I don’t have to spend a lot of money on groceries! Dave, thank you for this valuable advice!! Easy to understand, hard to actually do it! I am doing it!! If I can YOU can people!
As a non-American, I have a hard time understanding America's addiction to cars. Really. Because if you look at cars objectively, cars are kinda sorta of a financial black hole.
Yup, its almost like the society tells them that they need a good car to be worthy. It's sad, I rather eat well and drive a cheap normal car instead of having a BMW or a super car and balding because of not having financial stability.
+An. S. Goodness, do I hate that. I mean, if advertising tells you to jump off a cliff, would you do it? I hate it when people get brainwashed into thinking you need this or that in order to be "worthy". It is manufactured need and nothing more. People should stop behaving like drones.
@@LesPaul2006 Me too, sometimes I get manipulated like that, but I try to keep my priorities first and not be like a stupid sheep flexing over a 70k car. No thanks.
+An. S. Exactly! If Warren Buffet doesn't live fancy, you don't have to either. And if you want a 70k car, make sure you can actually afford it (and not even...)
He's speaking the truth credit cards are scams just work on building yourself up without spending more than you need. You'll see financial gains when you do. I've learned the hard way
I found Mr Ramsey three years and his advices is a game changer for me and my financial situation I'm on step 6 now thank god for this man! I follow his baby steps to the T and I am so happy I did!
I knew the first time I read it in his book he didn't mean beans and rice literally. That said, I am a caucasian woman who did eat beans and rice 3x/wk and other cheap foods the other four days. Every type of bean/pea/legume with rice, from hummus on brown rice to black bean and rice soup. Each were served with inexpensive sides of course but I was perfectly content. I actually enjoyed researching depression era recipes. Worked for me! :) And what's fun is now that I can eat much better, I still enjoy eating that way now and then. It's a great humble reminder.
I must say I'm bored with my life, I don't go out and spend money any more. I sit at home on my lap top and listen to Dave most of the day. But the good thing is I'm saving now!! So I'm taking the good with the bad.
Good for you guys! People like to use the 'healthy food is too expensive' excuse for their terrible diets, but in reality, it doesn't have to be and can even be cheaper (or at least even out).
SouthernFried87 I wouldn't consider granola bars, fruit cups and sandwiches healthy. Sure it's healthier than a burger every day for lunch, but you should buy fresh fruit... grapes, bananas, pineapple, apples... they are usually cheap when bought unprepared and in season. Try making wraps or salads instead of sandwiches. Make grilled chicken and veggies instead of sandwiches. Around the same price but better for you.
Yea Ive noticed I'm eating healthier as well and my skin has been looking brighter as I've gotten compliments . Budgeting has caused me to think about each grocery item I buy. I buy meat and eggs as these are important to my health, but I'm very particular about avoiding antibiotics and added hormones. I also buy beans, rice, pasta, oatmeal, fruits, veggies, seeds (allergic to nuts). Very rarely do I need to buy cooking oil or peanut butter as these last a long time for me. I'm not buying any junk food (except $1 peppermint discs and Popcorners!) because junk food technically is not a need. I've been spending like $15 dollars per week on groceries- no more than $20 tax and everything. Since everything doesn't run out at the same time, I don't have to rebuy every category each week.
Nicole Cater how are sandwhitches unhealthy? You don’t even know what’s in it. Depending on the kind of sand witch it can actually have every important food group in it
I've had a credit card company DROP my credit limit for paying my bill in full! I've also had a credit card company suspend my spending for a few weeks because I paid my bill in full! Credit cards ARE the cigarette of the financial world!
@@euenfheiejrj Been paying my credit cards in full every month for 15 years now so I don't have to pay interest. Not one of my 6 credit card companies haven't ever given me a hard time about it.
Gary Kilber I’m not sure if this was supposed to be directed at me or whether you’re just agreeing with me. I’ve never paid a cent in interest and pay all my card off in full every month. I am for credit cards and have excellent credit.
not sure if thats true.. if it is.. then you are in the minority. I deff agree that people that can't handle their money shouldn't have a credit card tho.
I really do like Ramsey financial advice, he is so open minded and brings out all we face in life , yes money talks these days so all the advice is all good from him , thanx ramsey you made me change my mind on spending n opened up my thinking of investing more and sacrificing more , vinaka vakalevu from fiji islands , god bless u and your family
This resonated alot in me. Im 34 with a toddler and a marriage hanging on by a thread because of being so lost in debt and pay day loans. Thanks for the talk Uncle Dave.
Thank you Dave May the lord bless you for all your words of wisdom in 21 years old and learning to be financially set for my future and your videos are defiantly a help !!
“I don’t really care what your theories are about money if you’re broke.” Thank you. Ive wanted to be able to say this but always feel like I cant just say it.
I need to get in gear and get my finance straight. Live with my parents. Two kids. Husband works minimum wage and tries to provide, but always broke or in the negative. We don't go out to eat, Dollar tree shop and always cook from scratch. I shop when my kids need clothes or shoes ( usually from Goodwill or hand me downs.). I need guidance so I'm starting to listen to Dave Ramsey. Hopefully I can change my ways soon.
Mr. Dave, to me, you're definitely an inspiration. Thank you for sharing your knowledge and personal experiences. I'm learning so much from your talks. ❤👍
-live on less than you make -live on written budget -get out of debt -learn to save & invest You must change your heart & live differently. Be generous.🙏✨💯
I love Dave cause he can sound so harsh when others choose to be soft. You need to be serious with your money, it’s not a game. Financial freedom is 1 good plan away; make it happen now!
Good healthy Food is my #1 priority. I’ think of it as preemptive healthcare. It’s been my priority since I was 16 and through ups and down. Food is important.
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Dave is the uncle I never had.
Like he said, never take advice (on ANYTHING!) from anyone that hasn't actually done it
Well yeah! The American family is virtually scattered!
you put it in words! lol
The Good Note but he’s better than an uncle
I love my uncles but Dave is my finance uncle lol 😂
"I met Him on the way up, I got to know Him on the way down."
*DEEP*
Mariano Abundiz ❤️ that
Man that hit me hard.
I felt that
Jesus loves money and he cant seem to handle it because his always asking for more Jesus and his churches should listen to this guy they could learn something
@@johndoe-pm1ql you realize that what you're saying makes no sense right? When has Jesus ever asked you for money? All that you have is because Jesus willingly died for you on the cross. Had he not, we would all be dead because of our sin. You are free because of grace. Dave Ramsey wouldn't be nearly as successful if it was for Jesus. So truly, we owe it all to Him, even though he never asks for payment.
Well, i'm about to binge this channel. Wish me luck all.
Useless Duck Company
Are you rich yet?
I did it and it changed my life
i had to pop my anxiety meds..
I’ll join you.
The early ones were the best
I was doing baby step 2 when my car battery gave out and I had to replace it. The emergency fund from step 1 really helped me. For the first time in my life I’m not worrying as much about money
Thank you Dave for setting this 23 year old straight.
@@vectorhacker-r2 what are these baby steps you talk of?
What the heck are you talking about?
Good job!
Where are the steps
"I met him on the way up, I got to know him on the way down" very powerful quote. Thank you :)
What was the quote?
@@annasmith3340 he… he literally said it
*Him
When he said “Don’t go on vacation you’re BROKE!” I felt that.
Raymona Amos sane 😂 I wanted to go to Paris on July but realised I actually can’t afford it 😂
Raymond Dupuis Jr. 😂😂😂
I felt so attacked😂😭
But what if you die the next year 😐
😂😂😂
My wife and I had over 100k in debt...down to 17k..will be done in 3mos ...such a hard jounrney..but we learned together how to fix our money problems..for some strange feeling i feel lighter lol
Carl Poole congrats!! How long did it take to get this far?
Natalie Baker It was an up and down journey of 2 plus years...but as we starting knocking out debt and seeing them disappear the momentum became stronger and stronger...my wife thought I was crazy and now she is just as intense as I am...we value the little things over material things now..I can talk all day about our journey so far..its so worth it...I feel so free and im not even done yet..I can only imagine when we are completely done...it wasnt a straight line things happened along the way that would have stopped ppl who are not determined..but you have to push through
Carl Poole That's great to hear! You're on the home stretch! Early congrats are in order.
With all that income used to pay off that debt over 2 years, it's going to be amazing when all that available income can be put towards safety funds and retirement. You can treat yourself a little more often and feel a little less guilty or spend money you actually have on vacation.
So many people think the only way to clear up debt is with consolidation and just want the quick fix. Most peoplr in these situations dont even have the credit or income to even qualify for a consolidation loan or line of credit with cheaper rates anyway. Stop applying for loans and just pay off your debt.
Great job!!
You’re the man bro
The thing I love about Dave Ramsey the most is that he's so SAVAGE with his delivery. LOL
Definately
It breaks the pattern our brains get locked into
He is BRUTALLY honest and I admire that alot about him... also he needs to talk more about NEEDS and WANTS and break that down thoroughly in a financial point of view
Love him.
SWISSTHEDJ it's so fake. He's fake mean.
I always feel so nervous watching his videos because I feel like I’m in trouble with my parents or something lol
JustChasee me too ngl
Ditto.
Even though I have been following him for 20 years now! But you know what? I need that! He is the highly successful person I don't have available to mentor me. I can emulate him, as best as I can.
He's a guy who had a relatively easy go of it, had a struggle and got through it with discipline. I think as you get older and wiser you feel less like that -- he knows what he's doing, but he's not infallible. His rant about credit cards is the opposite of true. I live in a neighbourhood that has multi million dollar homes. I see the Porsches and Lamborghinis in the 6 car garages. I hear the concerts they throw for charity with Bill Clinton featuring Flo-Rida (lol). The reality is that the people who are truly wealthy did that by doing what Dave says to do, and then also using credit cards properly.
Dave knows this. He knows that people can use them properly. He knows the power of reward points. He isn't stupid. His point of view, though, is that credit cards are abused, heavily, by a lot of people. He just isn't exceptional at saying so, at making that distinction, and part of me feels like that's on purpose, because the people that listen to him aren't making good decisions yet.
Lol I think it's the folded arms bro.
🤣🤣
Dave Ramsay is 40% money management and 60% life help. He’s therapy and finances in one.
It's just common sense that most people know but just don't have the discipline to save. When they call in and hear out loud what they already know it hits different!
You could call it financial therapy
Dave Ramsey is preaching the same lessons all the time because they are timeless and universal.
this man just bullied me into saving my money, thankyou 😔
How’s it going for you? 😉
If you need this video in summary point :)
Dave Ramsey's Tips to be good with money:
1. Live on less than you make
2. Live on plan
3. Have a written budget
4. Get out of debt
5. Learn to save & invest
6. Be generous
It is really not that hard to understand this, but it is difficult to act on it.
Start a good habit & be consistent, all for your own good.
p.s. Thank you Dave Ramsey. :)
And credit cards are the devil lol!!
Thank you!
The generosity part is my love language. I love being somewhat rich because when the kids come by with popcorn and pogo cards to sell so they can play baseball in the summer. I just give them the money and refuse the popcorn and pogo cards. I just want to help others!
I have lived on a budget my entire life and I have always been debt free but I still love listening to Dave Ramsey!
Best thing that ever happened to me, financially, is my dad gave me Dave’s book when I was 18-19.
When I was in my 20s, broke, and in major debt, I literally lived on beans and rice. During the summer months, I let everyone I knew and all my coworkers know that I would take any garden left-overs. It's amazing how many people plant zucchini and underestimate how much will grow. One summer I think I had at least 5 pounds of zucchini left on my desk at work every day. Between that, living in a super cheap apartment, and riding my bicycle instead of driving, I had that massive debt paid down in no time.
Kathi Clark Wow, good for you. And how are you doing these days?
I have multiple college degrees that required no student loans, zero debt, a paid-for car, retirement savings, and money to spend on whatever I really want.
Good for you !.
Kathi Clark Hard work pays off!! Proud of you, your a strong women, no offense to women but most of them want to take my money and spend it atleast the ones I've been with 😂😁
Wow you’re awesome and an inspiration girl!!
The problem we have is because Most people always taught that " you only need a good job to become rich. These billionaires are operating on a whole other playbook that many don't even know exists.
Money invested is far better than
money saved, when you invest it gives
you the opportunity to increase your
financial worth.
It is remarkable how much long term
advantage people like us have gotten by trying to be consistently not stupid,
instead of trying to be very intelligent.
The wisest thing that should be on
everyone mind currently should be to
invest in different streams of income
that doesn't depend on government
paycheck, especially with the current
economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies.
Many individuals report success in investing in stocks, forex, and cryptocurrency (Bitcoin), yet I continue to struggle. Can somebody help me out or advise me on what to do?
Her unique strength lies in her realistic approach which sets her apart from other brokers who tend to set unattainable targets and fail to deliver
I started Jan 2018 with $11K cc balance. Now nov 1 I’m down to $2K. Should b zero by Jan 1. 2019. New listener, thx Dave
Did you get it done?
Him Bike you’re awesome 💯✅ you attacked it with a vengeance
@@mikejackson7881 Nope Went Xmas shopping and added $5,000 to the cc balance.
@@jeremywilliams1677 W0h00!
Him Bike, hi I was wondering if you made your goal of paying off your cc debt by January 2019
In 2019 I need to get my finances together. Enough is enough. I rebuke the spirit of poverty in Jesus name!
Amen sister!
I’m right there with you.. i’m on my way.
john 3:16
Lisa Jade I totally agree enough is enough AMEN
This has nothing to do with poverty. It has to do with bad money habits
Amen
This is old school teaching, straight to the point. I love it.
Been watching, listening, and paying attention to all of predictions and forecasts since early Covid. He hasn't disappointed yet 👌
Well said! I am also here to learn how to invest after listening to a lady on tv talk about the importance of investing and how she made 7 figures in 3 months, somehow the video taught me nothing and left me even more confused, I'm a newbie and I'm open to ideas on how to invest for retirement
@@GabrielPitchford lookup MARTHA ALONSO HARA , this is her name online, she's the real investment prodigy since the crash and has helped me recover my loses
@@ThomasWilliam-sw8ms Despite the economic crisis and the rate of unemployment now is the best time to invest
@@GabrielPitchford Investment now will be wise but the truth is investing on your own will be high risk. I think it will be best to get a professional👌
@@ThomasWilliam-sw8ms Thank you, Going through her profile on her webpage out of curiosity, and surprisingly she seems proficient. I appreciate this.
" I meet GOD on the way up, but got to know him on the way down" How POWERFUL is that 🙏🙏🙏🙏
“I met Him on the way up, I got to know Him on the way down” ...that was so powerful even Dave paused for a moment to feel what he just said.
Im 65 yrs old. Ive never bounced a check in my life ! Ive never balanced my check book ! Never had a budget. Im a dairy farmer and have been for 40 years. I have had operating loans. Its a valuable tool in farming ! Ive learned early on..... save money !!!!!!! Spend money on things you only " need " !!! Everything else follows !
I love how he actually tells you how it is. No sugarcoating,no stupid strategies that MIGHT work.
I love how Dave Ramsey has satirical names for various companies and products!!!
- Toys R Them
- Rooms There They Went
- Whole Paycheck
- Discover Bondage
- American Distress
- Certificate of Depression
- Car Fleece
- Social Insecurity
He also has a nickname for the Starbucks Rewards Credit Card
-AHAHAHAHAHAHAHAHAHA AHAHAHAHAHA HAHAHAHA AHAHAH ha ha ah ha ha
When im in a bad mood i watch that reaction vid to the starbucks credit card it is such a good depression eliminator 😂😂
I remember hearing that question about the Starbucks Rewards Card. Dave laughed for about 20 seconds. I hope the person who sent in the question got their answer after all that laughing.
Today is my Independence Debt Day!
Hahaha. ROFL
ToysR us
Never been In debt because my parents listened to you and now so do I. Only 20 can't wait to see where I can be in a short time
When I was twelve, I saw a computer that I really wanted. My dad bought it and said that I can have it now and pay him back with chores over time. This taught me the lesson that I can have anything I want now and worry about the consequences of paying it off later. Guess where I was at 20. In credit card debt, that’s where.
The behaviors that we model for our children have tremendous impact on their future.
Same
As a Puerto Rican man I gotta say Rice and Beans is delicious... don't forget about the chicken or pork chop on the side, though... and some fried plátanos dulces!
Oh yeaaa
DanielJr I could eat that everyday and I’m Mexican lol
DanielJr hehehe as a Filipina, rice and mung beans are perfect meal 😁😁 mung beans are very very cheap too. Since I want to save so much, I am teaching myself how to cook for my meals and snacks. I learned the other day that I can use mung beans as filling in a bun (like siopao). 😊
DanielJr wepaaaaaa! Y yuca frita
Daniel Jr - For real, I'm Caribbean, I just don't get these white people sh**ting on Rice and Beans, that's my jam!
Growing up, none of the adults around me knew how to be good with money. Now most of them are broke and living on the edge. Watching this made me feel good and sad. Could've started sooner than I should!
I’m 22 and taking this all in !!! Next year I want to be saving 5000+ a month nothing less. I am changing the way I spend starting today. I am going to calculate my debt, and budget while also having a goal of how much I want to save monthly, thank you Dave Ramsey !
Update?
It really isnt hard, the hard part is starting
Thank you Dave for giving people the tools to live like no one else
A year ago i was broke and eagerly waiting for paychecks so i would actually have money for a week
In debt and paying it down but still buying STUFF, yeah not gonna work
Then i met a girl, she loved to listen to your show, even though it aired while she was sleeping
She would not stop talking about you so i looked at your channel
ONE year later, I have 2 debts left and $3500 set aside
why do i have so much set aside when i still have debt?
Well I am marrying that girl in one month and she is paying for the wedding, so i am paying for the honeymoon
THANK YOU DAVE
You have clothes in your closet stay out of the. Mall 🔥🔥
Allan Cobaria I haven't been to what you call a mall since they created malls in the 70s and have not eat in out in over a year, drive a 23 yr old van and spend about 10-30 bucks on cloths every few years but because I have women(an old one at that) I can in no way live below my means.
preach! this my goals rn
Allan Cobaria yes sometimes I also get 7 packages a week I didn’t remember eveb what I buy do not only tithes but shopping addiction
The one goal I had the best success with this year was curbing my shopping habits. I've only been shopping 5 times this entire year. I used to go shopping more than in a month. I definitely think I made progress.
DEAD lolol
We are currently living from my husbands income and putting all of my income into paying off debt. And OMG! IT IS HARD! but so so worth it. Thank you Dave for kicking our butts. We love you. Our family think we are crazy and our friends dont like us anymore but who cares, they dont pay my bills.
Yes 😂😂😂👍🏻👍🏻👍🏻
Yeeaaa
Dave talks to me like a disappointed father and I’m here for it
I Lost my father 7 years ago, it's nice to still have someone to listen to that delivers what you need to hear with a FATHER attitude. LOL (Straight Forward)
Thank you for helping me change my life and my family's lives. You are a hero, sir. Thank you for being bold enough to tell the truth.
Right on Dave. Giving, in my opinion, is one of the number one ways to build wealth. Writing your goals out on paper is another great way to build wealth! “Live on less than you make!”
"Quit spending like you are in congress"
I am so appropriating this.
You’re SO gonna do it.
I’m working on my own relationship with money everyday, just like most of us, and I’m seeing the results. It’s work, but well worth the effort.
When I’m tempted to buy something nice that’s advertised to me I watch this video and it puts me back on track
'Changing my heart and the way I live. Live like no one else so that later you could live and give like no one else.' Thank you Dave R for sharing your knowledge. 🙌🏻🇵🇷
Love these videos. Thank you Dave. Applying your principles I'll be debt free later this year. No more impulse purchases. No more leased cars. No more credit card swiping.
Jesus Ortiz
How has it been working out for you?
😇💸💸
I'm debt-free and I paid off my house! 🗽
When Dave talks about the link to generosity and wealth. I've seen this in my own life. When I'm stingy I have a bad mind set, when I'm generous without giving away the farm, I'm so much better off financially.
Nice to know your a Christian... You met God on your way up and found him on your way down...Glad God is working through you to help others
I would say your richer..than you know!!..or maybe you do!!
God Bless You Dave
I had a Bank of America agent tell me I was using my credit card wrongly because I was paying the full balance every month
Joshua Entwistle that is true
Joshua Entwistle Runn......
Joshua Entwistle yeah that’s the wrong way to build credit lol
LOL! I hope you laughed in his or her face.
And they sell you everything the bank has to offer saying it's your loss if you don't take advantage of it. These mails I call junk and so, they get thrown in the thrash can.
I'm actually working 80 hrs a week to pay off my car. I owe $10,000. I stopped funding my retirement for 3 months now. But I am gonna do this😀
Hope you don't get a match because if you do you're throwing away a 100% guaranteed return
Walt Lonsdale for a short time and then she gets to max it out and at 15%
🤙🏼🔥 you got it!!! I’m paying same debt for student loans, good to have peers.
Walt Lonsdale
That is the one thing I disagree with Dave on.
Do the match, but the rest pf any money can go to paying off debt.
I worked 4.5 years to pay off my car, 70 hours a week. Almost without fail. Now car's paid off and it's broken down. And I'm so tired of working, I'm gonna sell it. Almost called Dave over it. I love it... But now it's my equity. LOL.
I call Dave my financial father. With his guide this year, I got myself into a financially safe place. Thanks so much Dave for your continuous advice.
It is so true about generosity...one reason i want to do better in life is so i can do more for others. It makes me happy, and that's the point, for me. Thank you for being so generous with your wisdom!
Dave, you don't say what is SENSATIONAL that everyone WANTS to hear, you rather say the TRUTH that everybody NEEDS to know and do. Thank you.
Got a dealer looking to buy my car this weekend. Hopefully all works out and I'll be debt free !
Buying a 2k car right after.
Virtualhawk I want to do the same. Please let us know if all works out.
Sell it on craigslist. You'll get more for it.
Selling it on Craigslist you can get more because a dealer will buy it at wholesale instead of retail.
Virtualhawk God bless you
All the best!!!!
He's coming off like a Teacher thats about had it with his students. LOL
Anthony James 😂😂😂😂😂
💀💀💀😂😂😂😂
Anthony James I laughed inside hard lol
Facts!!! This is when the teacher assigns hw and 2 kids do it
@@jtcanfie11 the nightmare😂😣
1:39-1:43.; As a Christian, I read what the Bible has to say about money, as well.
Good starting point, Dave Ramsey!...
What would we do without Dave? I know be broke forever. Thanks Dave 🙏
Currently I'm just being smart and frugal with my money, I'm in the green 47% over the last 15 months and l've accumulated over $700K in pure profits from DCA’ing into stocks, ETFs, dividends and futures. However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait.
Nobody knows anything you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving.
@@devereauxjnr I agree, that's the more reason I prefer my day to day invt decisions being guided by a fin-advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using a fin-advisor for over 2years+ and I've netted over 2.8million.
@@Tsunaniis-j5l I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
@@MakeamericaGreatagain-h7j I can honestly relate. It's not as easy as it may sound and requires some sacrifices but it is definitely rewarding. I don't know if I am permitted to go into details here, but her name is NICOLE DESIREE SIMON. Was in the news a lot in 2018. You may look her up for more.
@@Tsunaniis-j5l Thank you for this tip, NICOLE appears to be quite knowledgeable. After coming across her online page, I thoroughly went through her resume and I must say, it was quite impressive. I reached out to her, and I have booked a session with her.
His words are deep and inspiring, the best and sincere words I have heard in a long time. We as individuals need to change our initiative about money and start investing so our lives would mean something, not just to ourselves but also others.
His words are 💯 percent true ✓✓✓
I have been a broke man and a rich man, been rich is more better and I would stick to that.
@@stevencho7312 lol who won't
So much we don't know about money.
I feel scolded been 28 with no Investment, just liabilities.
Thank you Dave Ramsey. You are changing lives. I am a changed persona and I’m not done learning.
Ive learned to give to others from watching these videos.
Really??
If I was generous and gave to others, I'd be flat busted broke.
@@piperpilot26 not true
@@bhyyrttf please explain.
I'm on step 1. I have already more than 700 saved. Started at the beginning of May. Thank you Dave!
I have been meeting with God a lot lately. You do have to put yourself with people who know how manage money the right way, not people who know nothing. I really value help to learn to get out debt. I want the dark cloud out of my life for the new year. Blessings to you for inspiration to live better when it comes to money. Thank You Mr. Ramsey.
I got out of debt because Dave made me realized how stupid I was with money. Thank you Dave🙌🏼
5 things that will make you wealthier than you think:
1.) Do something nice for someone you dont know without wanting something in return (Enjoy the high)
2.) Do something nice for someone you do know without them knowing you did!
3.) Watch the sun come up and go down in the same day and reflect on the fact that you've probably never done something so simply beautiful in your life.
4.) Hug the person you love the most for a longggg minute... really a whole minute. Then look into their eyes for just as long.
5.) Smile because we are all struggling in our own ways... a smile is the cheapest way to multiply happiness
"Quit going out to eat; you're broke!!" I want to scream this everyday to a certain someone. 😃
I low key screamed this to the guy in the mirror
I needed to hear this
Well they don't know how to cook 😂
I felt that 😒
@@haytijr5823 Easy to learn how to cook. That is what I did.
Meeting God on the way up, got to know him on the way down. Truly humbling.
I am vegan for 7 years already! I only eat beans, rice, potatoes, salad, fruit etc.. I love it and I don’t have to spend a lot of money on groceries! Dave, thank you for this valuable advice!! Easy to understand, hard to actually do it! I am doing it!! If I can YOU can people!
There are no mistakes only lessons. Lessons that will repeat until we learn them. DAVE thank you for helping so many of us! David Jenson Chicago
if you make too many "lessons" where I work, you get fired.
As a non-American, I have a hard time understanding America's addiction to cars. Really. Because if you look at cars objectively, cars are kinda sorta of a financial black hole.
That's what Dave Ramsey says. He extends that to anything with a motor such as a truck or boat.
Yup, its almost like the society tells them that they need a good car to be worthy. It's sad, I rather eat well and drive a cheap normal car instead of having a BMW or a super car and balding because of not having financial stability.
+An. S.
Goodness, do I hate that. I mean, if advertising tells you to jump off a cliff, would you do it? I hate it when people get brainwashed into thinking you need this or that in order to be "worthy". It is manufactured need and nothing more. People should stop behaving like drones.
@@LesPaul2006
Me too, sometimes I get manipulated like that, but I try to keep my priorities first and not be like a stupid sheep flexing over a 70k car. No thanks.
+An. S.
Exactly! If Warren Buffet doesn't live fancy, you don't have to either. And if you want a 70k car, make sure you can actually afford it (and not even...)
He's speaking the truth credit cards are scams just work on building yourself up without spending more than you need. You'll see financial gains when you do. I've learned the hard way
I found Mr Ramsey three years and his advices is a game changer for me and my financial situation I'm on step 6 now thank god for this man! I follow his baby steps to the T and I am so happy I did!
Dave is the guiding father I never had helping me.
I knew the first time I read it in his book he didn't mean beans and rice literally. That said, I am a caucasian woman who did eat beans and rice 3x/wk and other cheap foods the other four days. Every type of bean/pea/legume with rice, from hummus on brown rice to black bean and rice soup. Each were served with inexpensive sides of course but I was perfectly content. I actually enjoyed researching depression era recipes. Worked for me! :) And what's fun is now that I can eat much better, I still enjoy eating that way now and then. It's a great humble reminder.
Powerful!!! My favorite part: I only talk to old rich people not young rich people! That's great advice!
I love this Man of God!!! Everything he is saying makes sense to me! Thank you Mr. Ramsey
I must say I'm bored with my life, I don't go out and spend money any more. I sit at home on my lap top and listen to Dave most of the day. But the good thing is I'm saving now!! So I'm taking the good with the bad.
Dave Ramsey tells it like it is! No sugar coating! Ramsey is the best!
We have actually ate healthier since we started flowing the baby steps.
Good for you guys! People like to use the 'healthy food is too expensive' excuse for their terrible diets, but in reality, it doesn't have to be and can even be cheaper (or at least even out).
SouthernFried87 I wouldn't consider granola bars, fruit cups and sandwiches healthy. Sure it's healthier than a burger every day for lunch, but you should buy fresh fruit... grapes, bananas, pineapple, apples... they are usually cheap when bought unprepared and in season. Try making wraps or salads instead of sandwiches. Make grilled chicken and veggies instead of sandwiches. Around the same price but better for you.
Yea Ive noticed I'm eating healthier as well and my skin has been looking brighter as I've gotten compliments . Budgeting has caused me to think about each grocery item I buy. I buy meat and eggs as these are important to my health, but I'm very particular about avoiding antibiotics and added hormones. I also buy beans, rice, pasta, oatmeal, fruits, veggies, seeds (allergic to nuts). Very rarely do I need to buy cooking oil or peanut butter as these last a long time for me. I'm not buying any junk food (except $1 peppermint discs and Popcorners!) because junk food technically is not a need. I've been spending like $15 dollars per week on groceries- no more than $20 tax and everything. Since everything doesn't run out at the same time, I don't have to rebuy every category each week.
Love Life & money Momma me too
Nicole Cater how are sandwhitches unhealthy? You don’t even know what’s in it. Depending on the kind of sand witch it can actually have every important food group in it
Thank you for not being politically correct!! God bless you sr. For being honest!!
I've had a credit card company DROP my credit limit for paying my bill in full! I've also had a credit card company suspend my spending for a few weeks because I paid my bill in full! Credit cards ARE the cigarette of the financial world!
Redina Puentes thanks for sharing what bank?
Weird this hasn’t been my experience. I have a 820 and never paid a cent in interest. Always pay it in full.
@@euenfheiejrj Been paying my credit cards in full every month for 15 years now so I don't have to pay interest. Not one of my 6 credit card companies haven't ever given me a hard time about it.
Gary Kilber I’m not sure if this was supposed to be directed at me or whether you’re just agreeing with me. I’ve never paid a cent in interest and pay all my card off in full every month. I am for credit cards and have excellent credit.
not sure if thats true.. if it is.. then you are in the minority. I deff agree that people that can't handle their money shouldn't have a credit card tho.
I really do like Ramsey financial advice, he is so open minded and brings out all we face in life , yes money talks these days so all the advice is all good from him , thanx ramsey you made me change my mind on spending n opened up my thinking of investing more and sacrificing more , vinaka vakalevu from fiji islands , god bless u and your family
Thank you, Mr. Dave Ramsey! God bless you, and your entire, family!
But I love beans and rice.
I personally prefer rice and beans.
I like rice and beans separately.
Big Nate Diaz is in the house!
Like mine with lime.
You can have your beans and rice. I'll stick with eating lobster, and Halibut.
stop buying Gucci if it's going on your credit card 😂
Yeah but I just got this 0% APR card...
I would, if I could sell it for a profit.
Just stop buying Gucci period 😉
@@angelinecatteeuw the Gucci slides are acceptable right?
@@brittanymillerry2327 I heard nothing, I saw nothing 😅😉
This resonated alot in me. Im 34 with a toddler and a marriage hanging on by a thread because of being so lost in debt and pay day loans. Thanks for the talk Uncle Dave.
How are you?
You are such a blessing Dave, thank you for sharing your wisdom!🙏
dave is the uncle i need it, i dont even talk to the one i have now
So glad I found dave now, at 18, instead of at 40. I can't wait to be a millionaire.
Same but 16. I have the benefit of being the youngest because I can observe the mistakes of family before me, and oh boy they have made some mistakes.
Same :) ❤️ found him at 20! Don’t use a credit cards if you can’t pay it in cash and private colleges are not the best !
Thank you Dave May the lord bless you for all your words of wisdom in 21 years old and learning to be financially set for my future and your videos are defiantly a help !!
“I don’t really care what your theories are about money if you’re broke.”
Thank you. Ive wanted to be able to say this but always feel like I cant just say it.
I need to get in gear and get my finance straight. Live with my parents. Two kids. Husband works minimum wage and tries to provide, but always broke or in the negative. We don't go out to eat, Dollar tree shop and always cook from scratch. I shop when my kids need clothes or shoes ( usually from Goodwill or hand me downs.). I need guidance so I'm starting to listen to Dave Ramsey. Hopefully I can change my ways soon.
I’m out of debt and working on the emergency fund. Thanks Dave!!!
"Tell your money where to go instead of wondering where it went."
Mr. Dave, to me, you're definitely an inspiration. Thank you for sharing your knowledge and personal experiences. I'm learning so much from your talks. ❤👍
-live on less than you make
-live on written budget
-get out of debt
-learn to save & invest
You must change your heart & live differently. Be generous.🙏✨💯
I love Dave cause he can sound so harsh when others choose to be soft. You need to be serious with your money, it’s not a game.
Financial freedom is 1 good plan away; make it happen now!
Sir Dave is the mentor we all need
"Quit buying the most expensive food at Whole Paycheck" bahahahahahahahaha
that's my favorite store lol
He is talking about Whole Foods?
Felipe Luis Espinosa yes
ayidas The store you're talking about is steep
Good healthy Food is my #1 priority. I’ think of it as preemptive healthcare. It’s been my priority since I was 16 and through ups and down. Food is important.
This was an awesome, calm rant! Thank you!
I laughed when he mentioned Sallie Mae. I had a student loan with them. I’m so glad as soon as I had some money I was able to pay in full.
Goosebumps when i listen to him. He talks simple common sense that is not so common among us.
Watched this videos 5X now and still take it in like it’s my first time watching it 🔥