Top 10 Epic Dave Ramsey Rants

แชร์
ฝัง
  • เผยแพร่เมื่อ 26 มิ.ย. 2024
  • 💵 Create Your Free Budget! Sign up for EveryDollar ⮕ ter.li/6h2c45
    📱Download the Ramsey Network App ⮕ ter.li/ajeshj
    🛒 Visit The Ramsey Store ⮕ ter.li/7vyom2
    📞 Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
    Explore More Shows from Ramsey Network:
    🎙️ The Ramsey Show ⮕ ter.li/ng9950
    🍸 Smart Money Happy Hour ⮕ ter.li/9gcp3d
    🧠 The Dr. John Delony Show ⮕ ter.li/2u3mc0
    💰 George Kamel ⮕ ter.li/1elws8
    💡 The Rachel Cruze Show ⮕ ter.li/n2u6jc
    💼 The Ken Coleman Show - Highlights ⮕ ter.li/1rbjr2
    📈 EntreLeadership ⮕ ter.li/ktxv2k
    Ramsey Solutions Privacy Policy
    www.ramseysolutions.com/compa...

ความคิดเห็น • 1.5K

  • @Divalive82
    @Divalive82 5 ปีที่แล้ว +1036

    "Millennial is an age group, not a mindset." Thank you Dave for this statement, I have been trying to explain this in 1000 words or less for 2 years!!

    • @700NitroXpress
      @700NitroXpress 3 ปีที่แล้ว +27

      I'm a millennial and I work 300 hours a month. Six figure incomes are hard earned, not given freely. "Be the change you want to see."

    • @lot2196
      @lot2196 3 ปีที่แล้ว +14

      My daughter is a midwife, makes 100k a year and is 28. She worked hard and smart.

    • @alexgg7499
      @alexgg7499 3 ปีที่แล้ว +3

      Z generation are worst

    • @jdubo1998
      @jdubo1998 3 ปีที่แล้ว +3

      @@alexgg7499 How so?

    • @25Soupy
      @25Soupy 3 ปีที่แล้ว +13

      Yes, the the baby boomers were exactly like millennials at their age. A Hipster in 2015 is a Hippie in 1965. It's a variant of the same thing in a different time.

  • @salemthorup9536
    @salemthorup9536 5 ปีที่แล้ว +1464

    I'm watching this at a low-ish volume at night with my husband asleep hoping that these rants will go into his subconscious. He's not against this stuff, but he just needs it to get deeper in his beautiful brain.

  • @eddywangchang
    @eddywangchang 3 ปีที่แล้ว +124

    “Not 20% but not a bad tip” got me rolling

  • @justineplemons7585
    @justineplemons7585 5 ปีที่แล้ว +269

    Saying NO to myself was the hardest part of this journey. Once I learned it, loved it, and embraced it, I started making real progress on my debt.

    • @justinhowell3714
      @justinhowell3714 4 ปีที่แล้ว +17

      that's the real baby step 1 lol

    • @joestone6103
      @joestone6103 3 ปีที่แล้ว +2

      AMEN ,BROTHER THATS A MOUTH FULL.

    • @thunderlifestudios
      @thunderlifestudios 3 ปีที่แล้ว +4

      Agreed. I been paying off my debt. One more paycheck and I'm done. Will start building my emergency fund past 2K and go from their and start contributing to my investments.

  • @rejectedpandabear9322
    @rejectedpandabear9322 3 ปีที่แล้ว +725

    Confession: Any time I get the urge to spend my money on something stupid I come and listen to Dave Ramsey, and feel guilty so I don’t buy anything anymore.

  • @kennethwers
    @kennethwers 3 ปีที่แล้ว +52

    My dad said to me when a got out of school. A car is to get you from here to there. It is not a investment. A hoopty car is a lot more carefree. You can park next to the shopping cart rack. You can go for months without washing it. Insurance is lower in cost. I am a millionaire but still drive a hoopty because they are a lot less work.

  • @gurjantsandhu
    @gurjantsandhu 5 ปีที่แล้ว +477

    Jay-Z spends $91K whole worlds knows what liquor he drank. That's $91k for a very successful promotion.

    • @matthewsawczyn6592
      @matthewsawczyn6592 3 ปีที่แล้ว +18

      @Thomas Borisov Hey, good business. Buy your own product, and tip generously

    • @AZ-jd5cr
      @AZ-jd5cr 3 ปีที่แล้ว +6

      @@matthewsawczyn6592 Except the tip wasn't even 15%

    • @ki5aok
      @ki5aok 3 ปีที่แล้ว +3

      @@matthewsawczyn6592 Give your own product away, and it's now marketing the product. He's having fun and promoting the product.

    • @legendarykanine238
      @legendarykanine238 3 ปีที่แล้ว +17

      I see a lot of people complaining about the percentage let’s be honest the wait did no more work bringing in 40 dollar bottles and 300 dollar bottles in. I know it’s tradition and good manners and I’m not implying the waiter didn’t work hard, but does the 40 dollar waiter deserve the tip any less than the 300 dollar one. Maybe they’re servers or whatever not waiters still point remains. I feel like at a ludicrous amount like 90k 10k is generous regardless of percentages

    • @TheMan-ud2wq
      @TheMan-ud2wq 3 ปีที่แล้ว

      Exacly what I was thinking.

  • @amm2900
    @amm2900 2 ปีที่แล้ว +29

    "Bitterness, envy, jealousy predisposes you to continue to be a failure in life... so if you want to throw stones through other people's window because you don't have what they have, I will tell you that predisposes you to NOT win." Well said and good advice to heed.

  • @TWDxKILL3R
    @TWDxKILL3R 6 ปีที่แล้ว +330

    I love the expression “the worst car accidents happen on the showroom floor” so true

    • @om617yota8
      @om617yota8 4 ปีที่แล้ว +10

      Sometimes the worst car accidents happen in the back seat!

    • @Kanal7Indonesia
      @Kanal7Indonesia 4 ปีที่แล้ว +5

      @@om617yota8 you're the product of the accident

    • @om617yota8
      @om617yota8 4 ปีที่แล้ว +6

      @@Kanal7Indonesia I doubt that me being conceived had even that much planning behind it.

    • @theanimaster
      @theanimaster 3 ปีที่แล้ว +1

      I love your avatar

  • @LatinaCreamQueen
    @LatinaCreamQueen 5 ปีที่แล้ว +96

    "Millennials are an age group, not a mindset." WELL SAID! I love that you went out of your way to even say this.

  • @-attemptingtherandom-2777
    @-attemptingtherandom-2777 5 ปีที่แล้ว +348

    He's such a blessing to me. Stay strong out there everybody. We got this!

    • @ashleyblackmon3917
      @ashleyblackmon3917 5 ปีที่แล้ว +4

      Leigh Anne Thomas
      Amen!!

    • @deborahmeek6529
      @deborahmeek6529 5 ปีที่แล้ว +4

      Leigh Anne Thomas thanks girl you too

    • @justinacase2623
      @justinacase2623 3 ปีที่แล้ว +1

      Ashley, you from TN?

    • @clay1241
      @clay1241 3 ปีที่แล้ว +2

      I could be a blessing to you too

  • @ibettrivero8925
    @ibettrivero8925 6 ปีที่แล้ว +67

    I love when he says "STUPID" is like a wake up alarm🤣🤣🤣🤣🤣🤣

  • @manifestanything6508
    @manifestanything6508 5 ปีที่แล้ว +479

    “If you wanna make more than jay z, DO more than jay z!” PREACH DAVE PREACH

    • @HornetUK1
      @HornetUK1 4 ปีที่แล้ว +10

      @Remedy or sell your soul?

    • @MimiMhair
      @MimiMhair 4 ปีที่แล้ว +18

      Everybody have skeleton in their closet what's yours?

    • @staceystrukel1917
      @staceystrukel1917 4 ปีที่แล้ว +7

      How do you know what he's done to get to this level? Sometimes it's talent, sometimes it's much darker. All of you, including Dave, shouldn't be discussing someone you don't know on this manner.

    • @rashadwilliams267
      @rashadwilliams267 4 ปีที่แล้ว +6

      @Remedy do you have any clue how many have did illegal things to start their business? I bet you couldn't do what he did if u had the access to it.

    • @gordondrake2573
      @gordondrake2573 4 ปีที่แล้ว +9

      Wrong, Jay z sold drugs before he got a record deal. Drugs have nothing to do with his success. He’s just a brilliant business man. Regardless of what his past might have been.

  • @christmas6666
    @christmas6666 5 ปีที่แล้ว +770

    0:00 - #10. Jay-Z Spending $91k In One Night Shouldn’t Make You Mad
    17:45 - #9. The Power Of Choice
    27:22 - #8. Nobody Cares About Your Car
    29:47 - #7. What The Credit Card Companies Don’t Want You To Know
    38:58 - #6. How To Make A Smart Car Purchase
    43:48 - #5. How To Be Good With Money
    51:38 - #4. The Death Of Toys R Us
    59:30 - #3. Leasing vs. Buying A Car
    1:08:28 - #2. The Best Way To Invest Your Money
    1:17:49 - #1. Over $1 Million In Student Loan Debt

    • @eca2641
      @eca2641 5 ปีที่แล้ว +12

      Lee Christmas very gracious of you. Thank you. 🌸

    • @christmas6666
      @christmas6666 5 ปีที่แล้ว +12

      @@eca2641 it was kinda fun... helps me listen better! :)

    • @kingsupreme9213
      @kingsupreme9213 5 ปีที่แล้ว +4

      ✊🏾✊🏾✊🏾

    • @MrMduchesne23
      @MrMduchesne23 5 ปีที่แล้ว +1

      Thanks

    • @lovethemflowers
      @lovethemflowers 5 ปีที่แล้ว +1

      Very helpful, Lee! Thanks!

  • @kaiwryn
    @kaiwryn 4 ปีที่แล้ว +65

    Watching from 2020 and Dave... one of the first things that really clicked for me with you was watching you shut down other people trashing millennials. As one of those debt free, full time + side hustle, beans and rice millennials saving for my dream... a house of my own, it's such a breath of air to hear you constantly, constantly remind others that many people in my generation are hard working go-getters!!

  • @Dre2Dee2
    @Dre2Dee2 4 ปีที่แล้ว +60

    Hogan: Top 10 Inspiring Quotes
    Ramsey: TOP TEN TONGUE LASHINGS

  • @muradmubin5638
    @muradmubin5638 3 ปีที่แล้ว +140

    I am a Muslim from the UK and I love listening to Dave’s content. Although I have no idea what a Roth IRA is, cannot comprehend how you can be in hundreds of thousands of dollars worth of student loan debt and have medical bills in the tens of thousands of dollars, the skills and values this man teaches through his genuine faith are universal to all

    • @thunderlifestudios
      @thunderlifestudios 3 ปีที่แล้ว +13

      Our health care is pretty pricey. Insurance sometimes doesn't cover it or they didn't have it.

    • @goodone8041
      @goodone8041 3 ปีที่แล้ว +6

      What about the medical bills you don't understand ? And being muslim is also irrelevant. Everyone needs financial literacy. Just like nutritional literacy

    • @BernardM28
      @BernardM28 3 ปีที่แล้ว +1

      @@goodone8041 here in the UK healthcare is free

    • @jochem1986
      @jochem1986 3 ปีที่แล้ว +18

      @@BernardM28 it’s not free, the cost is distributed over other taxes you pay.

    • @jamesd5241
      @jamesd5241 2 ปีที่แล้ว +9

      @@jochem1986 dude taxes in the UK are still lower than USA. So you pay higher tax and dont get healthcare. Thats how inefficent USA is.

  • @Apollyon-sz9sn
    @Apollyon-sz9sn 4 ปีที่แล้ว +18

    Dave dropping absolute Gold. This knowledge cost Dave millions of dollars to figure out because we all do stupid in earlier life, and we get it for nothing! Absolute legend.

  • @paulserna4072
    @paulserna4072 4 ปีที่แล้ว +28

    Small correction:
    A person like Jay-Z who makes $42,000,000 a year and spending $100,000 on a bar tab in one night would be likened to someone making $420,000 a year and spending $1,000 in a night, not $100. Yet still, that happens all the time. It’s also likened to someone making $42,000 a year and spending $100 on a night out, which also happens ALL THE TIME. Love Dave Ramsey, just a small correction.

    • @1080lights
      @1080lights ปีที่แล้ว

      That's not a small mistake, especially when you're talking about money.

    • @tatimarie8277
      @tatimarie8277 7 หลายเดือนก่อน +2

      @@1080lights not a small mistake but same concept. Even at $100 for someone making $42,000 that’s not going to break the bank if it’s only for special occasions and you’re not drowning in debt.

    • @DenaliOsnaya
      @DenaliOsnaya 4 หลายเดือนก่อน

      Also, majority of the tabs were paying his own brand of liquor. So… he’s actually saving money while looking super good!

    • @brandontomecek-ek5vf
      @brandontomecek-ek5vf 3 หลายเดือนก่อน

      Thanks for that @Paulserna. I kept thinking I was crazy cause I didn’t get the same number. Completely agree that spending at the same ratio at lower incomes is not uncommon.

    • @bryanmarin955
      @bryanmarin955 25 วันที่ผ่านมา +1

      It’s even smaller if you think about it as a percentage of discretionary income rather than an absolute amount

  • @finnmccool684
    @finnmccool684 5 ปีที่แล้ว +45

    "Don't spend more than you have." Tru dat, tru dat, tru dat.

  • @SilenceSlayer223
    @SilenceSlayer223 4 ปีที่แล้ว +24

    I always love when Dave gets a little high on himself. He's so humble all the time, when he says "I'm gonna make it" or "I don't have any retreads now" it's like him slapping the face of everyone that told him he wasn't going to amount to anything and it's empowering.

  • @MusiqTruth
    @MusiqTruth 5 ปีที่แล้ว +140

    "Be careful of jealousy and envy." "I'm not mad at Oprah, Warren Buffet, Bill Gates...They all have more than I've got and quite frankly I'm glad they made it. They all came from nothing by the way." REAL talk.

    • @squarecracker
      @squarecracker 5 ปีที่แล้ว +5

      Warren Buffet's father was a congressman

    • @Kanal7Indonesia
      @Kanal7Indonesia 4 ปีที่แล้ว +4

      @@squarecracker no they were poor

    • @johnjackson9767
      @johnjackson9767 4 ปีที่แล้ว +4

      @@squarecracker Always has to be an excuse for your failure, right?

    • @JFDSmit-rm6tw
      @JFDSmit-rm6tw 4 ปีที่แล้ว +4

      @@squarecracker Says nothing. He chose to start investing in his teens already. Maybe before it, I'm not sure now. But he got where he is now by investing, not outspending.

    • @squarecracker
      @squarecracker 4 ปีที่แล้ว +5

      @@JFDSmit-rm6tw it objectively debunks the idea that he 'came from nothing'.

  • @charlesyoung9980
    @charlesyoung9980 5 ปีที่แล้ว +241

    How many people have driven a car so bad that if you'd put 4 new tires on it you'd double it's value??? I lost it.

    • @fhuber7507
      @fhuber7507 3 ปีที่แล้ว +27

      I had one that was so old that filling the gas tank doubled its value.

    • @julietibbetts9262
      @julietibbetts9262 3 ปีที่แล้ว +3

      Oh I've been there 🤣🤣

    • @ShotGunner5609
      @ShotGunner5609 3 ปีที่แล้ว +2

      I felt this, and i have that car still and i keep her running cus shes a good car. But im happy i got something much newer with nearly 3 times the fuel efficiency.

    • @burntblonde2925
      @burntblonde2925 3 ปีที่แล้ว +1

      Yes! Totally was in that situation

    • @randyhusband8542
      @randyhusband8542 3 ปีที่แล้ว +10

      CHARLES YOUNG: I had a 1984 Chevy cavalier station wagon (beige, of course). We named it "Puff, The Tragic Wagon".

  • @amostake
    @amostake 4 ปีที่แล้ว +33

    "I just didn't eat as much!" Wow, that dad gum insightful! I had a roommate that would lay on the couch, shoving food in their mouth, and watch "biggest loser" and cry "I wish I could be like them" True story.

  • @josephavendano66
    @josephavendano66 2 ปีที่แล้ว +25

    I only wish I could thank this man for sharing his knowledge, discipline and encouragement. And Hope.

  • @ryanduke3498
    @ryanduke3498 6 ปีที่แล้ว +570

    This would actually be someone who makes $42,000/year spending $100 in one night. No big deal. And he got some marketing out of it. You're awesome, Dave!

    • @ezra3735
      @ezra3735 6 ปีที่แล้ว +75

      Ryan Duke yeah Dave missed a zero on the math, but that's still only .2% of his yr income.

    • @ImOldandSoAreMyBooks
      @ImOldandSoAreMyBooks 5 ปีที่แล้ว +12

      Excellent analogy. It's all relative based on your income and worth.

    • @Am-Not-Jarvis
      @Am-Not-Jarvis 5 ปีที่แล้ว +20

      I assume with the free press he got for his line of drinks, he made that money back right away

    • @DJSolistica
      @DJSolistica 5 ปีที่แล้ว +8

      @@Am-Not-Jarvis Absolutely, and what's wholesale price? Say %50 of the cost, so roughly %50 of that bill is already going back to him by the replacement of his own product. So he really only spent about 50-60k, or 0.12% of his income.

    • @jae9843
      @jae9843 5 ปีที่แล้ว +29

      Funny thing is that looking at expenditure/income ratio doesn't even tell the whole story about how potentially insignificant $100k is to someone who makes $42M. In practical terms, it's almost immeasurably insignificant compared to a person making $42k spending $100 because there's such a universe-sized disparity in raw disposable income between to the two. To someone bringing home $42k/yr, losing $10k to a bad investment might be pretty crippling and set them back years on their goals.A loss like that could mean no family vacation or no new car that was on the horizon. On the other hand, while a $10M personal loss would still be devastating even to someone bringing home $42M/yr, they still have 32M reasons why their lifestyle or medium-term financial outlook probably won't take any practical hit. Plus, they have the resources to make that money back if they so choose. Someone making $42k/yr and who just lost $10k probably doesn't begin to have that kind of buffer, relatively speaking.

  • @anthonyhendrix5622
    @anthonyhendrix5622 3 ปีที่แล้ว +14

    Love the no-nonsense attitude from Dave

  • @danielpalmer5138
    @danielpalmer5138 9 หลายเดือนก่อน +5

    Yooo dave ramsey is living rent free in my head. I feel like hes watching me anytime i go to buy something stupid....

  • @makaylahollywood3677
    @makaylahollywood3677 2 ปีที่แล้ว +28

    Excellent show, traditional values, common sense, biblical scripture, authentic, practical, wise. Thank you Dave!

  • @samanthapeters2972
    @samanthapeters2972 5 ปีที่แล้ว +560

    When Jay-Z spent his money that night, he helped people stay employed. Vineyard staff, delivery drivers, bar staff, manager, cleaners, etc.

    • @dmesmith
      @dmesmith 4 ปีที่แล้ว +10

      Samantha Peters And the dealers

    • @aiyamariabanat
      @aiyamariabanat 4 ปีที่แล้ว +5

      Totally agree

    • @sephorareynolds5786
      @sephorareynolds5786 4 ปีที่แล้ว +34

      Yepp plus he is super rich and can do as he pleases with his money

    • @sharonfleshman6961
      @sharonfleshman6961 4 ปีที่แล้ว +17

      And how much free advertising for his brand of alcohol ahead of New Year's Eve...

    • @brettzke
      @brettzke 4 ปีที่แล้ว +13

      ya, rich people are always helping poor people make a living....give me a break.
      Trickle down doesnt work. His money could have literally been handed to these people and he would have made their lives better, instead he put a significant portion of it into the pocket of the owners, making them more rich.

  • @nicoleharris699
    @nicoleharris699 3 ปีที่แล้ว +7

    The people who become successful are almost always those who celebrate the success of others. MAN THIS IS EXACTLY WHAT I NEEDED TO HEAR!!! thank you Dave !

  • @VincentEllisD
    @VincentEllisD 5 ปีที่แล้ว +132

    While i wish i made 42 million a year rather than the $20,000 i make now i would never say anything bad about someone making that much money. 99 times out of 100 they have worked their butts off to get there. Good for them!

    • @alexriddles492
      @alexriddles492 5 ปีที่แล้ว +3

      Ratios aside for a moment...
      Buying $91,000 worth of alcohol is promoting drunkenness.

    • @joecoolioness6399
      @joecoolioness6399 4 ปีที่แล้ว +7

      It really doesn't matter how they got their money, it is THEIR money. It is sad that the government can take it some of it away and give it to someone else that does not do anything to earn it.

  • @shannonnichols3415
    @shannonnichols3415 5 ปีที่แล้ว +85

    Beans & rice with homemade cornbread actually was our “go to” meal at least once a week! Mix it with a cheap canned ham (on a good week) or a hambone (on a lean week), onion, & pepper sauce and it’s mainly healthy & pretty filling for super cheap! I realize you don’t mean that literally, but it was literal for us! We actually had this meal in several options! Very yummy!

    • @andreasasatya9188
      @andreasasatya9188 4 ปีที่แล้ว +6

      Wait, he didn't mean it literally? Boy have I been wrong all of this time listening to Dave lol

    • @Mimi-cq4bg
      @Mimi-cq4bg 3 ปีที่แล้ว +1

      Wait, you make it with ham? I thought I was supposed to do it with chicken... I'm a Canadian, dont judge me lll

    • @brittanymillerry2327
      @brittanymillerry2327 3 ปีที่แล้ว +1

      @@Mimi-cq4bg can use ham or chicken. Some even fry pork chops

    • @HeartlandFamilyDesigns
      @HeartlandFamilyDesigns 2 ปีที่แล้ว

      It is meant literally. He means to eat really really cheaply so you can get out of debt. Beans and rice are super cheap.

    • @samuelburton9761
      @samuelburton9761 2 ปีที่แล้ว

      Who eats canned ham. Lol 😂

  • @pkc3168
    @pkc3168 2 ปีที่แล้ว +10

    I'm British and just discovered Dave Ramsey. I personally like logical straight-talkers!

  • @gregobrien7972
    @gregobrien7972 5 ปีที่แล้ว +199

    I respect how open minded you are 👍🏼 ... being religious & not trashing rap

    • @joecoolioness6399
      @joecoolioness6399 4 ปีที่แล้ว +8

      Being religious is definitely not being open minded. You literally believe in something for which there is no good reason. Old collections of books, what some pederast said from the pulpit, what your mommy taught you, or "how else could it have happened?" are not good reasons.

    • @freeblom
      @freeblom 4 ปีที่แล้ว +47

      Joe Coolioness you don’t understand Christianity at all lol

    • @melindamercier6811
      @melindamercier6811 4 ปีที่แล้ว +33

      Joe Coolioness the irony of your comment. 🤣

    • @jessesdomain444
      @jessesdomain444 4 ปีที่แล้ว +25

      @@joecoolioness6399 talking about things you have no idea about makes you look bad

    • @adventuresofwillandshelby6013
      @adventuresofwillandshelby6013 4 ปีที่แล้ว +10

      Joe Coolioness There’s no good reason not to believe, by your logic. Take care of yourself!

  • @coolcalmandmom4896
    @coolcalmandmom4896 4 ปีที่แล้ว +6

    Dave: “don’t come for me when I didn’t come for you!” 👏🏼👏🏼👏🏼

  • @scottstewart8737
    @scottstewart8737 5 ปีที่แล้ว +85

    Dave's math was off on Jay Z. It would be 1000 and 100 redpectively, but his point is spot on.

    • @Joanna-ed8ic
      @Joanna-ed8ic 5 ปีที่แล้ว +4

      I was thinking the same thing haha

    • @kalynsanders1278
      @kalynsanders1278 5 ปีที่แล้ว +1

      Same!!! Lol

    • @miguelgraveran3071
      @miguelgraveran3071 5 ปีที่แล้ว +14

      No it’s not 42,000,000 / 420,000 = 100. 100x100= 10,000.
      420,000 / 42,000 = 10.
      10x10 = 100.
      You did your math based on 4.2M not 42Million - I did the same thing until I pulled out my calculator.

    • @brianmcg321
      @brianmcg321 5 ปีที่แล้ว +3

      Nope. You have to take away two zeros.

    • @sparks6177
      @sparks6177 3 ปีที่แล้ว

      Check your math again

  • @alfiemarie
    @alfiemarie 4 ปีที่แล้ว +11

    eagles, boston, journey are ICONIC bands! i still listen to their songs and im in my 20s

    • @donnafontaine2799
      @donnafontaine2799 2 ปีที่แล้ว

      Don't Stop Believing yea Journey and Dream on by Aerosmith! Classic and uplifting songs

  • @john.antoine4943
    @john.antoine4943 5 ปีที่แล้ว +20

    "I mean c'mon Becky , REALLY ?!" - I died

    • @jessicamcdaniel317
      @jessicamcdaniel317 4 ปีที่แล้ว +3

      That was hilarious 😆 😂🤣

    • @jimhandler1129
      @jimhandler1129 3 ปีที่แล้ว

      😢 Becky drops her bowl of rice and beans

  • @flamingowilliams9664
    @flamingowilliams9664 5 ปีที่แล้ว +12

    My favourite "adapting to change" story following number 4. A group of boys found a popular Pokèstop that was in the middle of a park and set up shop there with snacks, drinks and phone chargers. Called it the Pokèshop. 10/10 adaptation.

  • @jdtreharne
    @jdtreharne 4 ปีที่แล้ว +7

    Whenever I think about buying something that I don't need and can't afford, a good old fashioned Dave Ramsey rant is all I need to set me straight again!

  • @NegatveSpace
    @NegatveSpace 5 ปีที่แล้ว +242

    It's not really financially related but why does someone think it's ok if they're an employee of an establishment and think it's ok to post a receipt of a customer online or to share it at all. If I were that person's boss that person would be on the street as soon as I heard about it

    • @hlboerr
      @hlboerr 5 ปีที่แล้ว +22

      free jay z advertisement

    • @lindavel43
      @lindavel43 5 ปีที่แล้ว +47

      @@hlboerr Exactly! Jay Z is a smart business man. He knows the media would break down on what he spent that money on. Surprise his own brand, so his brand will be all over those paparazzi magazines and tv. No wonder Jay Z is rich. He knows how to get free advertising.

    • @danielconiff8178
      @danielconiff8178 5 ปีที่แล้ว +4

      It was Jay Z, everyone knows he's rich.

    • @Divalive82
      @Divalive82 5 ปีที่แล้ว +5

      Valid point.

    • @eliascastillo1641
      @eliascastillo1641 5 ปีที่แล้ว +4

      NegatveSpace exactly I agree 100%. Imagine what would happen if you don’t tip them like they think they deserve.

  • @JessNova
    @JessNova 3 ปีที่แล้ว +10

    "How many of y'all have driven a car that was so bad you had to give it a name?"
    Orange Crusty, Green Bean, and Grumps lol this hits too close to home for me...

    • @sonnyhootman9811
      @sonnyhootman9811 3 ปีที่แล้ว +3

      I have a 21 year old van with a broken frame. We call it Woobles.

    • @silviamonz2062
      @silviamonz2062 3 ปีที่แล้ว +2

      I had a car all covered in stickers to hide all the rust,when I got a new (used)car my boyfriend said we had to start out stickers again....what for I said ,there is no rust yet😉

  • @speed_Gabriel
    @speed_Gabriel 3 ปีที่แล้ว +8

    Thanks Dave, take me 18 month but 32k off of debt. 5k Emergency fund and starting 25% Dw Pymt for a house.

  • @MultiNutterbutter
    @MultiNutterbutter 3 ปีที่แล้ว +19

    I think thats actually awesome that he gave his friend a birthday party that he thought warranted ~$100k of his own money to celebrate it. That's a friend right there

    • @-Me_
      @-Me_ ปีที่แล้ว

      Then I must have no friends 🤣🤣

  • @mickeickmann9215
    @mickeickmann9215 3 ปีที่แล้ว +18

    I listen to Dave because what he's saying is absolutely true, I think how he comes across is great, because sometimes people need to hear the things he says. I'm one of those people. Doing my best to change.

    • @nsant
      @nsant 2 ปีที่แล้ว

      Hows it going bro?

    • @ryanthepianoman27
      @ryanthepianoman27 2 ปีที่แล้ว

      @@nsant no response

  • @relevantEpsilon
    @relevantEpsilon 5 ปีที่แล้ว +224

    My car's called Frankenstein. I've got parts from so many other cars on it I've lost count.

    • @relevantEpsilon
      @relevantEpsilon 5 ปีที่แล้ว +13

      And I just had the brakes overhauled on it. The bill was definitely more than the car is worth.

    • @alnonymous2482
      @alnonymous2482 5 ปีที่แล้ว +15

      @@relevantEpsilon But you can yell, "IT'S ALIVE!!!"

    • @emtstl5087
      @emtstl5087 5 ปีที่แล้ว +6

      relevantEpsilon mine is Betty Lou 1999 Honda accord

    • @pimaggot
      @pimaggot 5 ปีที่แล้ว +9

      Mine is called Morpheus. It is a black Toyota matrix. Almost has 200,000 miles on it.

    • @orion3706
      @orion3706 5 ปีที่แล้ว +5

      Mine's named Hank from King of the Hill. Before that, I had Ol' Top because that's what Buck Strickland called Hank. Hank's staying with me until retirement.

  • @harrisonwims1916
    @harrisonwims1916 5 ปีที่แล้ว +15

    “In other words, he’s ok.” 😂👌

  • @margom.5632
    @margom.5632 4 ปีที่แล้ว +11

    Hahahaha! I love the fake voice he uses when he wants to play a different person!! Lol 😂

  • @LionessOnTheRise44
    @LionessOnTheRise44 4 ปีที่แล้ว +4

    Dave said, "Dont come for me...I will clap back" 😂😂 yes!!

  • @trayceelynn3100
    @trayceelynn3100 5 ปีที่แล้ว +9

    I love his tough love approach!!

    • @kzamora2548
      @kzamora2548 4 ปีที่แล้ว +1

      "It's not tough love ... it's just love!" - Dave Ramsey

  • @julieannestamps8444
    @julieannestamps8444 5 ปีที่แล้ว +7

    Not to mention since he was purchasing his OWN BRAND... he was making money off of his purchases. If he makes only 10% off his product, that’s still over $9,000....

  • @loisavci3382
    @loisavci3382 5 ปีที่แล้ว +183

    Jay Z didn't even spend $100,000. Part of it was his own brands of drinks: that's just shuffling money from one pocket to another.

    • @DanielSwartfiguer
      @DanielSwartfiguer 4 ปีที่แล้ว +7

      The sucky part is, in doing so, his spending that way allowed the govt to collect tackses on it. (Intentionally misspelled)

    • @torchandhammer
      @torchandhammer 4 ปีที่แล้ว +22

      @@DanielSwartfiguer Actually, I'll bet you 20 bucks that he deducted it from his taxes as an advertising expense since he was promoting his brands. You paid for that party.

    • @JFDSmit-rm6tw
      @JFDSmit-rm6tw 4 ปีที่แล้ว +2

      That is business ethics. If it's not his own restaurant, he is another customer who pays for what he orders.

    • @torchandhammer
      @torchandhammer 4 ปีที่แล้ว +1

      @@Michael.Reilly That's not how taxes work either. The total amount of all the taxes in the country never gets reduced. If Jay Z isn't paying, somebody else is making up for it. You.

    • @dianem6951
      @dianem6951 4 ปีที่แล้ว +2

      torchandhammer
      No they aren’t.

  • @billgateskilledmyuncle23
    @billgateskilledmyuncle23 4 ปีที่แล้ว +29

    Jay-Z paid off a lot of other people's bills in one night. And a 11k tip is charitable giving.

  • @ElaineLoyd
    @ElaineLoyd 5 ปีที่แล้ว +38

    Hand me a nickle while taking 100 out my back pocket--Dave Ramsey. Intelligent.

  • @OneTimeCrazy
    @OneTimeCrazy 5 ปีที่แล้ว +207

    for the first one it'd be 1000, 420,000 * 100 = 42,000,000. 100,000/100 = 1,000.

    • @rivvie2008
      @rivvie2008 5 ปีที่แล้ว +43

      Weird so few people caught this? Not even Dave ?!?

    • @ShaveItDown
      @ShaveItDown 4 ปีที่แล้ว +18

      Negative it would be $100
      42,000,000/100,000 = $420
      42,000/420 = $100

    • @tommygall4191
      @tommygall4191 4 ปีที่แล้ว +36

      @@ShaveItDown except he said someone making $420,000 spending $100, and $42,000 spending $10

    • @samanthabailey8864
      @samanthabailey8864 4 ปีที่แล้ว +11

      Thank you!!!! I’m not crazy lol

    • @teja7479
      @teja7479 4 ปีที่แล้ว +20

      I was searching for this in the comments as soon as i heard him say that

  • @michelejames8599
    @michelejames8599 4 ปีที่แล้ว +11

    Love the ratio analogy. That helps a lot to put into perspective.

  • @WhatsUpWithSheila
    @WhatsUpWithSheila 5 ปีที่แล้ว +20

    Love the the analogy
    You put the whole thing into perspective for me thank you. And you're right ..not mad.. he ABSOLUTELY could afford to do it..
    Even by your standards..lol

    • @joecoolioness6399
      @joecoolioness6399 4 ปีที่แล้ว +2

      You know some people would rather give their money to the people who earn it than to the government who give it to people who don't earn it.

  • @yellowannie22
    @yellowannie22 6 ปีที่แล้ว +21

    I'M SO GRATEFUL THAT YOU CALLED ME OUT. MADE ME HAD TO LOOK IN THE MIRROR. WHAT A GIFT. THANK YOU SO VERY MUCH DAVE AND CREW !!!!!!!!!!!

  • @1creativeview748
    @1creativeview748 3 ปีที่แล้ว +4

    Standing applause for rant number #10. It should inspire us, not invoke hate 👏🏾👏🏾👏🏾

  • @shinkaturbo9081
    @shinkaturbo9081 4 ปีที่แล้ว +20

    BECKY: Do you literally mean beans and rice or is that an exaggeration to make a point?
    DAVE: BECKY YOU'VE GOT TO BE KIDDING ME
    🤣🤣🤣🤣🤣🤣🤣🤣

  • @MrKurtiso
    @MrKurtiso 3 ปีที่แล้ว +5

    Rap wasn’t invented when I was cool 😂😂
    Your always cool Dave!

  • @brandiwine84
    @brandiwine84 4 ปีที่แล้ว +7

    About rap: "I'm not mad at it"
    Dave's awesome

  • @ocky88
    @ocky88 5 ปีที่แล้ว +164

    The guy who tweeted about Jay Z was clearly just salty and YES, entitled. Jay Z's money doesn't mean he is entitled to earn more. Also, Dave didn't mention this, but 42 million/year is JUST Jay's money. His wife earns about the same.

    • @TheUpliftingInvestor
      @TheUpliftingInvestor 5 ปีที่แล้ว +7

      His wife doesn't come close to hit net worth,, Shes worth like 400 million will hes worth almost 1 billion himself..

    • @lovefunkrockmusic
      @lovefunkrockmusic 4 ปีที่แล้ว +2

      And his master or his boss is worth in the trillions. Jay Z is just a corporate asset and can loose everything just like Michael Jackson did in a matter of seconds. He also in debt and I would imagine his house is worth more than his salary

    • @cclibre3832
      @cclibre3832 4 ปีที่แล้ว +2

      lovefunkrockmusic That is still a great position to be in!

    • @lovefunkrockmusic
      @lovefunkrockmusic 4 ปีที่แล้ว +2

      CC Libre Not it is not. Your selling your morals and dignity to get into the Music industry. The producer can take everything away from him and he can have a mental breakdown and commit suicide.

    • @DanielDEyre
      @DanielDEyre 4 ปีที่แล้ว +9

      @@lovefunkrockmusic what the heck are you talking about? You don't know he owns his businesses and products? He's not an employee working for a white man.

  • @lindsayevans9543
    @lindsayevans9543 2 ปีที่แล้ว +8

    I appreciate your thoughts Dave. Let's not shame the wealthy for living like we wish we could 😆

  • @johnrodgers6768
    @johnrodgers6768 11 หลายเดือนก่อน +1

    Some people think someone else's money came out of your pocket. It didn't. When someone says they want to make a lot of money, I always say, you don't have to go make money, they make plenty of money, you just need to be smart and disciplined and hang onto the money that you come across. Working hard, being smart, changing jobs when you need to, etc. are big factors, but it's more important to be smart with what you have. I get excited by other people's successes, because it reminds me that I can have that success, as well!

  • @spiritual2020
    @spiritual2020 5 ปีที่แล้ว +6

    I’m hooked on your show. Your listeners can learn sooo much by listening to you. I love Jesus and God too. “Change, just change.” People love to come up with all sorts of excuses for whatever the want for them to stay in their comfort zone(s).

  • @Jayknowstools
    @Jayknowstools 3 ปีที่แล้ว +5

    When Dave Ramsey said,
    "*chAinJ*"
    I felt that. 😣

  • @CourtneyyMorriss
    @CourtneyyMorriss 4 ปีที่แล้ว +4

    Real talk at its finest

  • @Ziplok_
    @Ziplok_ 5 ปีที่แล้ว +6

    celebrate others success I love that! Dave keep being GENIUS so many great things you say per minute its amazing keep it up

  • @rikquishewright2167
    @rikquishewright2167 4 ปีที่แล้ว +3

    Watching this on a relaxed Saturday morning at 1.25 playback speed. Pure gold start to finish. :)

  • @MrKetio
    @MrKetio 4 ปีที่แล้ว +5

    You’re a great person,Dave. Wish you health and wealth from my heart !

  • @Chartlaub5
    @Chartlaub5 4 หลายเดือนก่อน +2

    This has been a great show to call my mind rather than some of the other podcasts I listened to.

  • @jorasparents
    @jorasparents 4 ปีที่แล้ว +31

    I like how SO MANY people listen to these rants, and all they take away from it is that his Jay Z math was off by a percentage point - and have to JUMP ON to post it in the comments. Maybe try listening to the overall message, which is still the same.

  • @laisaelee5851
    @laisaelee5851 6 ปีที่แล้ว +36

    Woah your life changing. Powerful words. You are amazing!!

  • @paulgonzalezhernandez301
    @paulgonzalezhernandez301 5 ปีที่แล้ว +5

    Thank you Dave Ramsey for all the great education really appreciate it God bless you and your family

  • @AdamB5000
    @AdamB5000 5 ปีที่แล้ว +14

    Dave is spot on (on a similar topic, the sky is blue ;) ). We started using cash and a debit card only. If/When we go out to eat, I am VERY aware of pricing. But more importantly, when grocery shopping, I grab exactly what is on my list and try to snag the generic brand options. Far less waste and cost.
    But the point is as I'm looking for my items, I'm very aware about how much each item costs, as well as the approximate running total. When we scan the items at the self checkout line, my wife was semi-impressed as I rattled off the price of nearly every item just before we scanned it. 3 of 4 items were to the penny.

  • @solaydbak
    @solaydbak 4 ปีที่แล้ว +23

    You know the server that posted Jay Z's receipt got fired.

    • @justinacase2623
      @justinacase2623 3 ปีที่แล้ว

      I heard the orthopedic doctor in that restaurant got fired too, oh wait, he got another job. Wonder why?

  • @diyoverhauler5432
    @diyoverhauler5432 3 ปีที่แล้ว +8

    This channel ought to be a mandatory college course

    • @StefanyJohnson
      @StefanyJohnson 3 ปีที่แล้ว

      The community college my daughter attends uses this as the personal finance course. My 17 year old daughter will not do the stupid money things that I did. I'm so thankful.

  • @nickaro
    @nickaro 3 ปีที่แล้ว +4

    Just paid off my car loan early! Feeling very happy!

  • @Hiker2110
    @Hiker2110 4 ปีที่แล้ว +8

    I like this guy. He gives the tough-love, brutal honesty that we all need to hear at some point.

  • @bryan_witha_whyy
    @bryan_witha_whyy 5 ปีที่แล้ว +47

    Everyone scoffs at this dude, but I would be willing to bet that 99% of people really don't know what they are doing with money. Most people DO NOT pay their credit cards in full every month. If they did, credit card companies wouldn't exist.

    • @jordanneedscoffee
      @jordanneedscoffee 5 ปีที่แล้ว +12

      Not true, CC companies get like 3% of every transaction used with them. The business selling the product absorbs that cost though, so CC card consumers don't even see it

    • @kzamora2548
      @kzamora2548 4 ปีที่แล้ว +2

      @@jordanneedscoffee Dave did explain that CC companies still get a cut when you use your debit as credit. It's small but they still get theirs.

    • @jordanneedscoffee
      @jordanneedscoffee 4 ปีที่แล้ว +1

      @@kzamora2548 They don't get a cut from you, they get a cut from the business, so who cares?

    • @queenb9572
      @queenb9572 4 ปีที่แล้ว +8

      @@jordanneedscoffee You should care (we all should) as businesses depending on the state laws, may be able to pass on up to 2.9% of these transactions fees on to the customer. So, yes, ultimately the consumer does "Pay more" for purchases through credit cards.....

    • @jordanneedscoffee
      @jordanneedscoffee 4 ปีที่แล้ว

      @@queenb9572 Yeah sure and if Target did that all Wal Mart has to do is not do that and people will say "Oh look Wal Mart is selling everything cheaper than Target is go there instead". So no, businesses can't just "pass it on to the consumer", not if they wanna keep customers.

  • @arienfox
    @arienfox 6 ปีที่แล้ว +114

    Yes get the POPCORN!!!!

  • @johnschwindt3049
    @johnschwindt3049 3 ปีที่แล้ว +11

    By the way, it was a party for someone at his company, he was buying and giving out some of his own champagne.... He probably got to write some of that off as a business/marketing expense.

    • @cleliaparnell8743
      @cleliaparnell8743 9 หลายเดือนก่อน

      What a difference that amount would make to a community center that feeds the poor, a homeless shelter.....

  • @jayj4439
    @jayj4439 ปีที่แล้ว +1

    Thank god for this dude. I’ve learned how to manage money from him more than anyone in my lifetime!

  • @julied915
    @julied915 5 ปีที่แล้ว +36

    Everyone creates their own success or failure

    • @joecoolioness6399
      @joecoolioness6399 4 ปีที่แล้ว +4

      You nailed it. Ask anyone in bad financial shape and you will see a string of poor decisions and bad planning.

    • @kathrynmercier4874
      @kathrynmercier4874 3 ปีที่แล้ว +1

      Joe Coolioness Except medical debt. Even if you have insurance, you can still get dinged with enormous amount of medical debt through no fault of your own.

  • @SKBottom
    @SKBottom 2 ปีที่แล้ว +4

    People used to hate on Michael Jordan and Charles Barkley for their spending habits, too. You are exactly right. You have to look at it in relation to their income. Also, it's nobody's business but theirs.

  • @davidmuth4571
    @davidmuth4571 4 ปีที่แล้ว +8

    A requirement for graduating high school should be a semester of watching DR videos.

  • @aaron756
    @aaron756 4 ปีที่แล้ว +10

    I’ve been lucky that my “getting out of debt car” is a truck I actually like 👍🏼

  • @vickydelacruz71
    @vickydelacruz71 5 ปีที่แล้ว +7

    God bless you more Dave...I learn a lot from you

  • @joseacoba
    @joseacoba 3 ปีที่แล้ว +4

    His Kermit the Frog impression about credit cards Priceless!

  • @blancheholmes3929
    @blancheholmes3929 4 ปีที่แล้ว +2

    Dave Ramsey for President!!!!!!!

  • @TheConservativesrock
    @TheConservativesrock 5 ปีที่แล้ว +17

    $100 for $42,000
    $1,000 for $420,000

    • @landgsmith
      @landgsmith 5 ปีที่แล้ว +1

      TheConservativesrock I see I’m not the only one who noticed Dave’s errant math 😆

    • @JoshDoingLinux
      @JoshDoingLinux 5 ปีที่แล้ว +2

      TheConservativesrock I don’t think he was trying to be specific just trying to make a point that with his income it’s not irresponsible of someone to spend 100k on a night on the town if he made 42m in 2017.

    • @atotalidiot
      @atotalidiot 4 ปีที่แล้ว

      That's like not too bad though

    • @blackpinkslave9969
      @blackpinkslave9969 4 ปีที่แล้ว

      Yea instantly knew the math was off, but honestly 1K is not allot for such an event.

  • @mannycarrasquillo6910
    @mannycarrasquillo6910 3 ปีที่แล้ว +7

    My POS car was a reliable Suzuki. I named it Trusty Rusty.

    • @gauravudiyavar9050
      @gauravudiyavar9050 3 ปีที่แล้ว

      How many miles did you put on it? I'll be honest, I was window shopping for a new compact SUV, then I ran into Dave Ramsey's videos. Now I'm gonna drive my 2012 Corolla into the ground.

    • @randyhusband8542
      @randyhusband8542 3 ปีที่แล้ว +2

      MANNY CARRASQUILLO: mine was a Chevy Cavalier station wagon . I named it "Puff, The Tragic Wagon".

  • @Kanal7Indonesia
    @Kanal7Indonesia 4 ปีที่แล้ว +6

    _rocket surgery_
    I love Dave Ramsey so much 😂

  • @DavidMartinez-nh4nh
    @DavidMartinez-nh4nh 2 ปีที่แล้ว +1

    This just opened my mind to so much reality out there.

  • @samassefa8579
    @samassefa8579 4 ปีที่แล้ว +2

    You take care of you, that is a full time job!!!!
    Thank you Dave, always on point!!!

  • @absolutetruth5833
    @absolutetruth5833 6 ปีที่แล้ว +9

    Dave Ramsey you are awesome!!! You sound like my mother talking to me... God Rest Her Soul!!!

  • @willianflores4402
    @willianflores4402 3 ปีที่แล้ว +3

    “But I use credit card to get my milles” 😂😂😂

  • @bethobrien6423
    @bethobrien6423 4 หลายเดือนก่อน +1

    DAVE I love you so much. This is so logical and when u kept saying change I felt it. I am balling bcuz I need this tough love. I'm amazed by ur tough love but yet gentle. THANK U