Use A Pre-Paid Debit Card Instead of Cash?
ฝัง
- เผยแพร่เมื่อ 28 ก.ย. 2024
- Clay says his wife is afraid to carry cash around and asks Dave if it's alright to carry a pre-paid debit card instead of cash.
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Dave is wrong. If you lose 500 bucks in cash, then it's gone. If somebody steals the Pre-Paid debit card. You can immediately stop the card from being used.
Agreed
Agreed
People loose money all the time.
I carry cash never lost any of it, if you are unable to keep track of your thing you deserve to loose your money
if you carry a bunch of cash the cops can take it
@@frankfalkenburry5373Seriously? Is this how you think?
fees on some of those pre-paid cards are ridiculous
Simple bank
Some not all. Some are free.
I'll get he's sorry he bothered calling in.
Joan Orjada Right. 😂😂😂😂😂
This is a surprising response. If a prepaid debit card allows his wife a sense of comfort, doesn't cost more, and helps them stick to a budget, a better question is, why not? Also, to me, this was a reasonable and politely asked question, but unfortunately, I can't say the same for the response.
Agreed, the response was so rude. Not giving a good reason for the answer either.
Yeah they can scan your bag and steal your money now .
500 wont make or break you? We aint millionaires like you Ramsey
As someone making $13 an hour, $500 wouldn't really do very much lol. I mean hey some extra money, but it's not that significant.
Is your income 2000 a year?
500 bucks is a lot of money to a lot of people.
@@magicworld3242 alot of people are kids
@@unlimitedpower4101 I agree that is like 40 a month. I was making 12 and when my parents wanted 1,000 that was very doable. I have yet to loose making thousands and missing hundreds!!!! Your quote: (As someone making $13 an hour, $500 wouldn't really do very much lol. I mean hey some extra money, but it's not that significant.)
Just because you've never been robbed doesnt mean it wont happen DAVE!!
@@bffoxjr u shouldn't bring $500 in a wallet. That's a no no. $100 is Max and it's pushing it. $20 should be enough.
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Cash is untraceable, if you lose it it's gone.
I don’t use cash and the two times my wallet has been robbed the bank refunded all the money.
You don't carry all of your envelopes with all of your cash. If you're going grocery shopping, take out 50 or 100 bucks and put that in your wallet.
Why not use a debit card instead?
I'm pretty sure I've heard Dave say that he uses debit cards. He has previously said he uses them online or for hotels and such, where cash is not possible. Another caller lat year tried to explain that she needed a credit card for these things, and Dave pointed out he can do them with his debit card.
@@wk3820 - Thanks for the reply. I was referring to the caller, not Dave.
He didnt answer the question though. Some people do get robbed you never know. Perhaps if debit card has no monthly fees then would it be okay?
Because banks are worst, instead of blocking you when you're about to overdraft, they let you overdraft so they can collect the fees plus what you overdrafted!
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*whistling* Someone else that married a pretty face. And then he realized she couldn't manage money.
I think he realized that she couldn't manage money so he thought well I'll just get her a card and then that way once the money is off that card that has to be reloaded. So he's trying to control her spending via that Avenue.
I don't do ANYTHING on auto pay. I'm thinking of joining a local gym and, if I do, I'm going to get one of these through my bank . They have a 3 month trial membership and I dont want them auto billing me for month 4. I don't do auto pay on anything!!!
I don't like carrying cash. I do a bank cash envelope system. I have 3 banks. One is for bills and the savings is my emergency fund, the other I put about 25 dollars a week from each check in s seperate account for spending and another for transportation money and my playstation plus.
Come down to Miami Atlanta or Jacksonville and talk like that Dave and see how quickly your statement changes
Vinny T. 😂😂😂😂😂
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We were lied too many years ago about the debit cards and credit cards I remember Merchants saying since there was going to be no Exchange in money your merchandise would actually be cheaper by using a card Now everything I buy with a card cost me more rewards on credit cards the merchants take it before you even see it cash is king.
Businesses can encourage shoppers to use cash by reducing what customers hate about paying cash - getting lots of coins. Businesses can say we only give change in quarters and dimes and round up your change if we need to. It encourages cash use by offering a small discount and reduces the change we have to carry in our pockets. No more "leave a penny - take a penny" bowls. Purchases over $20 get change in quarters only. Purchases over $50 get change rounded up to the next dollar. IMHO, it's an easy way to encourage more cash use.
yep, kind of like concession stand prices at movie theaters
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Been doing cash envelopes for years and never took a whole envelope with me to shop. Why bring $500 for groceries when you have a list (purchasing plan) and will spend about $100. Bring just what you need and you don't need to worry about carrying large amounts of cash, except coming from the bank at the start of the month to fill envelopes, or impulse buying.
Yep, Ive been carrying cash for almost 30 years and never been robbed. So far so good. Who brings $500 in wallet? No wonder some people are more impulsive with their cash. $20 a day is enough. You'll be surprised how many useless stuff you tend to buy impulsively until you're limited to $20 per day
easier for me to use my credit card and get 4% cash back.
James Newport
I just carry my credit card with a cash balance.
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People really overthink the simplest things. Just get a NORMAL debit card! You don't need to use cash. It's the same thing.
You're more likely to spend when having a debit card instead of cash it's not the same thing
@@jamespierce8342 Debit vs Cash is the least of anyone's problem who is trying to get out of debt. It's not a battle worth fighting when getting on the same page.
Also if someone steals your Debit card your money is protected vs Cash.
Dave says otherwise. He prefers cash envelops.
@@cherrytung Dave also has no problem with Debit cards.
I tend to spend more when I have cash. I may go throw it at strippers. Looking at a credit card balance activates my pain centers more strongly... Not everyone is the same. I wish Dave & his followers can realize that.
I had $230 in my purse for literally one day and I was robbed. So... yeah...it CAN happen.
Simple solution: Don't carry money 😂
@Michael Munster or you could carry ***GASP*** a debit card!
Prepaid debit cards have fees.
not all cards have fees. The Walmart money card does not.
I have never been shot EVER in 57 years
I still carry a gun
LOL
It's good to know that Davy Ramsey won't randomly go into my house for no reanson.
😂😃😄😁😄
1:18 not sure if this "I carry cash in my front pocket" shoutout is going to bring danger to you Dave. Stay safe!
I have a feeling that Dave knows how to protect himself.
@@JamConcerned hopefully!!! He is pretty famous now so hopefully he has like bodyguards or something
@@cherrytung He's not THAT famous, hah. Even most Hollywood movie stars don't have bodyguards unless it's a major event.
You are safer if you live in a state that allows concealed carry. Concealed carry lowers the crime rate for everybody. .. Unfortunately, I live in Canada. ..
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Always use a credit card it has 4 perks
Cashback
Building credit (meaning borrowing money is cheaper in future)
Zero liability if you are frauded.
Safe.
I don't like Dave's response in this video. He should have just answered the guy's question instead of giving him marriage counseling.
How do we use cash in today’s world with all the organizations only accepting debit
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I have found that a pre-paid card is very tempting. I ended up with it at fast food joints.
Cash was the same way at first until I stuck to the plan and controlled my habits.
Then I switched back to a credit card to get a credit history.
Since I had controlled my habits I stuck to the plan and was frugal. Now I am free and clear and have a great credit history to bank as well.
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Also, in some activists like running or jogging are just way more convenient to carry a pre-paid card due to the size.
Getting the prepaid cards and adding money, monitoring those fees and loading money to the cards...it just seems too much. I can understand the fear of being robbed but the chances of that are so low compared to the chances of paying fees on the prepaid cards, over-drafting and whatever complications come with those cards. Plus the amount we use for cash is not that much stuff. It’s for grocery, eating out, toiletries...it’s not like you would be walking around with cash for the mortgage and car payment. Most of those payments are done with debit cards anyway. All that to say, I agree with Dave. Just follow the baby steps as is caller!
Blue bird American express has 0 fees and where I am if I need an atm I go to 7/11 so I'm not charged A atm fee so everything's pretty much free and I use direct deposit and they'll tell me your money you'll be here on such and such a date you know who's sending you the money but it's usually they're the same day like I have a job where it pays me weekly and as soon as they process the payment and they tell me we've processed your pay for this past week I'll get an email American Express saying my payment has been received direct deposit and my funds are now available the very next day I like the card it is convenient but it also helpful all prepaid cards and not worth it PayPal American Express charge me $5 every month hey but my American Express doesn't charge me nothing, and there's no such thing as overdraft fees if you don't have the money they just simply decline some places will run it as credit some places you can run it as debit you can always check your balance via text as well as your history teacherzone but American Express Bluebird is pretty good I got mine from Walmart
7LilTish9 It seems like you have it all figured out. To each his own. It just seems a bit much for me but if it works for you, then great! I like the envelope wallet. I do my allocation every two weeks and stuff the money I need in the envelope. Throughout the week as I spend the cash, I get to see how much I have left. I love this system so much, I don’t want you to miss out :)
@@financialbabysteps1997 I feel you but what's American Express Bluebird you can see how much is that all you have to do is text BAL and I'll give you your balance and I'm just saying some prepaid card systems do work there's a lot of other ones that are garbage and I love the American Express Bluebird you can have direct deposit you can go to 7-Eleven ATM machine and not be charged an ATM fee is for your money and still use envelope system I'm just saying that American Express Bluebird that I've got from Walmart works wonders and it doesn't have any fees it has the initial fee of like $4.95 when you first start get the card and initially put money on it but other than that there's no monthly fees no nothing you only can use what you have there's no overdraft fees or anything it's just another way to budget your money without any extra fees if you do it right
@@7LilTish9 Amex Bluebird is awesome
@@7LilTish9 Thanks 🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
This is probably the only video I've seen that I disagreed with Dave. I feel like an old-school mentality won out here. If you lose cash, there's absolutely nothing you can do about it. With a debit card you can at least pause all spending immediately on their app/website if you notice your card's missing. My dad has this mentality about all cards in general. He almost exclusively carries cash.
This guy is so self centered. He doesn't want to help people he just wants to talk talk talk
We need new hosts that will actually help people
Good info but a lot of arrogance in the answers . Remember we call to learn and get advice not to be talked to like children . God bless you both .
Who is this guy, and why do people listen to him?
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Stop it.. get some help. Just be RESPONSIBLE with your money. Tough concept.. I know.
Yay dave another great one! Bigger issues need to be faced not were to store the cash but how to spend it duh!
Not his fault, the caller just kinda had a dumb question.
Dave didn't say no. Just that it wasn't the real issue.
Watching this in 2023 and it has not aged well. Usa now going to digital currency.
Its called credit fraud if u use someone else’s card.
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With my Master Cards, I have run afoul of the "User Agreement" and their "Community Standards." I know this because of the 2 purchases I made that did not complete. This is the only thing I care about and the only reason I need a prepaid card. So my question is :: obvious. Are their any prepaid cards that do not do social engineering? [I have many bags of money. I have different kinds of money; Gold, Cash etc.]
I am not carrying cash envelopes. Plus now during the pandemic businesses are going cashless.
Money is still legal. The place that stop taking cash, I left. The more people do this. They will lost buinesses. Once they lose buinesses they will put back cash.
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Some places these days won't accept cash anymore. You better get use to swiping that debit card or using G-Pay, Apple Pay etc. Cash is slowly but surely being phased out.
Ryan C What are some examples?
What place doesn't accept cash haha never heard of one
V G in my area in Atlanta there are a couple of restaurants and coffee shops that either request exact change or card. My job has vending machines that only accept card or Apple Pay/Android Pay
I know of plenty of places that don't accept checks, but I've never seen a place that doesn't take cash?
Well airport also doesn’t take cash
It's possible to be on the same page with your spouse without both wanting to attend financial peace University.
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Why go through the trouble of getting prepaid debit cards? Just use a debit card attached to your bank account, stick to your budget, and call it a day.
Thanks🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
Bad advice.
👍🏾
Love Dave but he’s gonna lose his younger audience or someone more relatable and relevant will step in. Prepaid debit cards are absolutely acceptable. Dave needs to get with the 21st century and realize digital transactions are the norm, not cash.
He has ED
The downside to prepaid debit cards are the fees; however, most prepaid debit cards are insured unlike your cash. If your prepaid debit card is stolen, you can cancel the card and get any unauthorized charges refunded to you. If your cash is stolen, then you're out of that cash. I know you suppose to have an emergency fund, but depending on the step you're on, having a large or any amount of cash stolen from you can possibly be a set back for you and your household.
dave is an idiot to be honest
IF THE PREPAID DEBIT CARD DOES NOT INCUR A FEE, THEN GO AHEAD!
I believe they all do
@@yourmanzach2307 Not all
@@LOUDMOUTHTYRONE Ok which ONE?
@@HoweyJR_ American Express Bluebird does not Charge you a monthly maintenance fee inactivity fee. It's free to load cash on to your card at all Walmart locations. Free access to the online banking and Mobil app where it is absolutely free to check your account balance. Free Atm useage at all moneypass ATM's. Bluebird is the goat when it comes down to prepaid debit cards.
zackychan financial a
It only takes once to get robbed to want to make a change...period. The fact that Dave hasn't been robbed is irrelevant here.
Thanks 🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
Yes, he sounds naive here
I love cash and I've been carrying cash for decades. The key is to bring little cash per day, like 20 bucks. That's why it's so easy to be disciplined with money when the only amount you can spend per day is $20. For groceries get ready to bring more money that day but that's it. Thanks to being cash-only guy I've never been in credit card or loan debt all my life.
whereismycrew yo
I'm cash only as well with credit card as my tool.
Never been in credit card or loan debt either and I've been using my AmexBlue and Platinum Visa for 30 years Prepay $100/wk to my Amex account which covers gas,groceries,or whatever.
Keep at least $500 cash in each account.
Me too. Although, I find that some businesses REFUSE to take cash. [Groceries and heating fuel.]
So you paid cash to go to college too?
@@blackworldtraveler3711 good idea, thank u for sharing
He wants to give his wife pre-paid cards because she's irresponsible with cash.
Well this day and age a wife, female fiance, or even girlfriend who is irresponsible with cash is a common as most dogs that bark.
@@passive101Imposing a set dollar limit each month is cheaper than half his worldly possessions in divorce plus alimony.
passive101 it’s cheaper to keep her lol
Yeah. It's horrible being with someone who is bad with cash. I'm a saver and he's the spender.
Husband doesn't trust the wife. Dave missed it. I still super love Mr. Ramsey. Much respect.
You're not supposed to keep all your cash envelopes with you...just the one you need for the shopping trip.
Unless you're running many errands.. then you need more than one envelope.
"Why would you do that"
He JUST SAID the reason!
Ramsey thinks his way is the right and only way.
Dave Ramsey gets so nasty when anyone questions him.
Dave SAYS NO
If I loose my money
I have my phone number
on it. And I stop payment
on it instantly!😂
I am thinking of getting a prepaid cards for seperate online purchases of say "miracle" supplements i'd like to try where they charge you every couple of weeks for a new shipment. I've heard it's very hard to get real people and to cancel those. I figure use a prepaid card and then If I don't like the product and they're not cooperating with me to cancel then they can't keep extorting if i dont reload. Obviously if I like the product I keep reloading! any thoughts?
1:15 Dave's wife is straight up savage
Lol
Part of his system is getting you to FEEL that purchase. When you have to hand over something (cash) that you're not going to get back, it makes you more careful about what you buy. It works!
wpgangi1 Good point.
There is no "feel" the purchase unless you are the one who works for the money. For many of us men who have wives that stay at home we are the bread earners and our wives do the shopping.
If you have already budgeted the money for that purpose, you have already felt it.
I have also been concerned about carrying so much cash.
Just carry the cash you need and leaving the rest in a safe place at home. I usually have the food envelope for the month $300 and I divide it equally per week. I make a list and stick to it. I only take to the store the cash I need not one cent more and I leave the rest at home. Some weeks I borrow a little against the next week but I also ONLY go to the store once per week. Otherwise I over spend. I also leave my debit card at home.
People forget the prepaid cards Suie Orman was promoting? She even said it would help establish credit for the poor LOL! She's a complete scam .
Jman The FICO queen
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I would rather do my own research than listen to a guy like Dave who was not helpful at all with this guys question, why wouldn’t you help the guy understand how the prepaid cards work and give him some Pro’s and cons before essentially telling him he is wrong for thinking his wife could possibly carry a card like that. What a joke!
I am disabled and don’t have a checking. I have a chase liquid card. I just transfer money from my savings when I want to buy something. I do all my shopping online for things I need like clothes. They do have a 4.95 monthly fee but for my life it works well.
sounds like you could use the N26 debit card. it requires no fees except when you withdraw cash from ATMs or convert cash to it from specific places, which doesn't sound like you do.
Most people don't get their cards robbed. I'd say always cary $30 cash at least but I would use debit cards for most stuff. It's just more convenient.
If you do business online, it might be a good idea as some sites DO NOT let you delete your number from their site once they have it. Messed up? Oh, yeah. But this would allow you to at least maintain some measure of control if you found you unwittingly used a site that does that.
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When he uses “s” it whistles lol
Thanks 🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
I got robbed a while ago he took my gold chain and my wallet my wallet didnt have nothing in but my DL and a couple of reward cards, I did have about 150 in cash in my front pocket but didn't know that.
DAVE SAYS BRING A FOLDER OF CASH AT ALL TIMES
whoops I meant envelop
brief case haha
when you live in the nice part of town then you think like this...smh. when you live in the rough part of town then you think like the caller.
The shit i have been through i am capable of so much....
Cards are better. The only downside of prepaid cards is the fees.
From personal experience just because the "crook" can't see into your bag doesn't mean they won't try to rob you.
At 20 years old, I was poor, I didn't look rich. I looked like a 20yr that lived paycheck to paychek, which I did, and I still got mugged at GUN point for my off brand phone, my groceries and all the cash in my bag. Gun to my neck for my poor people stuff. That mf took the rest of my cash grocery budget for the month. (grocery budget is the only cash I kept)
The boomer mentality around cash is so weird. You loose the cash, it's gone forever. You loose your card, you call your provider and cancel it and get your shit back.
What's the names of the debit cards I can reload money without my ssn and I want to reload money even if I don't have the debit card. I take pictures of the receipt and debit card before it was lost ?
Ramsey is probably wrong here. Many prepaid visas allow you to lock the card in case of theft. The security is way better.
I'm not sure why anyone would like to listen to you when you insult and talk down to your callers. This was the first time I ever watched a video of yours. Just fyi, you don't know anything about this man or his wife or the problems they may have, and your response was entirely irrelevant to his questions and tried to make the man appear odious as if he were the problem. Really shameful the way you communicate with people.
pre paid debit card is a must for young ones.
Why?
To learn the importance of managing money.
I give a prepaid debit card to my 15 year old for his school breakfast/lunch. I load $100/month. When it’s gone, it’s gone and he has to pack lunch until the beginning of the next month. He’s learned quickly. He’ll have breakfast at home so he can go all out for lunch 😋
@@MissCandy350 thats smart! Check out my new financial channel if you'd like:)
@@MissCandy350 cut it down to half as a challenge 😈 would he throw a tantrum or accept it?
I use 2 do that just graduated 2018 smart thinking saves
Crooks are becoming more intelligent and identity theft is one of the biggest crimes happening now because the plurality of society uses cards instead of cash. Chances are you’ll be safer carrying the cash, just be cognizant of your surroundings, use common sense and only take the cash you need with you into the establishments you’ll be spending that particular cash in. Only take grocery money inside the grocery store, only take oil change money inside the oil change place, and the amount of gas money inside the gas station that you’ll need ect.
Wait you against debit cards too i can understand credit cards
he's not against debit cards. he's against fees with cards and building credit
He's for debit over credit cards. But in this case it's about budgeting. Having an cash envelope really forces you to stay within budget
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The difference is you can get the cards back not the cash. I agree on nearly everything but come on Dave you have to see that as an issue
Unless you live in ghetto area or crime ridden cities the probability of being robbed is slim to none.
I carried cash for decades and have never been robbed. Knock on wood
Lol well I have and I wasn’t even in a bad area. Also you could drop the money the fact is if you lose money it is gone for good it is not the same if you lose or get your card stolen( by the way I’m not saying credit card). I totally agree with the fact that cash makes people spend less but to ignore the fact that a card has pros not only cons over cash is ignorant.
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No one knows ramsey or his wife carry chash- except the millons of people who listen to his radio show.
😂😂
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What if you need a number to put in a website?
Prepaid Debit cards have a fee for everything, just open up a free checking account with a local bank/credit union.
check out Amex Bluebird. ranked #1 on Nerd Wallet for prepaid debit cards. no insufficient funds fee, no ATM fee within Money Pass ATM network, free bill pay, free check deposit, free ACH transfers. you can get family cards and control spending limits too
Not Discover, plus they give cash back.
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I have a prepaid but have a plan of withdrawing most of those funds directed into it from my job. Rather have my assets in cash than in virtual/digital world.
cash is not FDIC insured
zackychan finacial No but I certainly don’t have to deal with ridiculous fees whenever I have to do something, banks creating fake accounts in my name, having the possibility of someone hacking my account and leaving all of my information on the open waters of the virtual world, them locking/seizing my account for some bs reason, and plenty more. But you would be willing to deal with all of that just to be “FDIC insured”?
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Prepaid CCs are the best budgeting system. Just make sure no fees involved. Way more convenient and safe than cash and its convenience that always trumps,,, because if its not convenient you will fall back to using a standard CC and break the budget rules.
A paypal debit card is what I use
good one.
@@davidjd123 Thanks 🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
You mentioned cash envelopes. Does "The Budget Mom" get her ideas from you? I know it's off topic, just finding the envelope method interesting. I follow her on Instagram but truly want godly guidance as well. ☺️
I'm set to pay off my 30k student related debt in 10 months total.
That's excellent. Think of how much money you'll have to invest when it's paid off.
@@ChrisInvests That's the goal
try to put 15% of your monthly income into retirement
Thanks 🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
@@ChrisInvests Thanks 🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
I really like the way Dave saw through this question and re-directed it
How much cash are you carrying anyway?
runzararun a small stack 💵 with a rubber band on it
Thanks 🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
you know...once again a caller expresses a legitimate concern (safety of his wife) and Dave responds to him like he has two heads. His sarcasm can really put people off. The caller starts out by thanking Dave for the inspiration that he's given the man...and it took about 45 seconds before Dave started to belittle the man's concerns. Way to go Dave...you are really a tough guy !!!
snowflake
that just cracks me up...if you only knew....hahahaha@@eatpigsnot
Thanks🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
@@MTobin1000 Thanks🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
hmm
Thanks🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
Nice
Thanks🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
Well said it all starts at home lol
Thanks 🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor💯I got my card ✅
This really helped me! I genuinely appreciate all that you do Dave as a professional financial adviser.