Not gonna lie....when I first clicked I was like this is too commercial and cheesey....BUT when she said, "debt makes you look a lot better than you are," WOW....that was powerful. So glad I clicked on your video. Great information. Thank you, taught me a very valuable lesson.
When Chris Hogan gave the speech about elderly citizens retiring broke living on dog food and can't afford to take their kids to Disney I cried. That was one of the most powerful and impacting speeches of my life. Thank you Chris Hogan from the bottom of my heart. ❤
I’m loving this. All these people on TH-cam pushing crazy investments, side hustles, while regular teachers and engineers are millionaires. Gives me hope as a stay home mom with a husband who earns good money! Millionaire status in 3-4 years is our goal!
My husband and I are paying on our third house in 15 years. We own both other properties still and rent them out as investment property now. It was a lot of work but is so worth it.
Ive read Everyday Millionaires and Total Money Makeover twice each. Now my personal finances are finally in order and I am making BIG progress toward building wealth. Read these books!! You'll be glad you did!!
Stay at home Mom here, and took me a while to take my finances into my own hands. But I finally did, opened my OWN Roth IRA and ANY extra money I can find, from saving in the groceries, my side hustle, uber, door dash..all of it goes in my investing portfolio in my Roth, between 150-300 per month. The reason why I am so aggressive about investing is because the longer you wait the less compounding interest we have. Also I may not always have a husband that is employed. But while he is employed and I'm home with the kids! that is when I need to be saving!!
@@southernlovely8429 I do work from home and we file Jointly, So we are both on the Tax return. I'm pretty sure we are both feeding into SS. But I'll look closer into that, thank
@@MarandaX. Its an 'Individual Retirement Account", I believe the ROTH part is just the last name of the Senator who came up with this. It is 'after' tax money that you can set aside and invest. Since it is already taxed you can withdraw it any time. and the profits grow tax free. i opened my account with 'Vanguard' you need $1000 dollars to start one. and I put it in an investment portfolio I don't remember the exact letters but it is like VMFXX or something like that..lol.. its the 'total stock market investment fund.'...If you call vanguard and ask them to help you set one up they will, They are very helpful.. I have a minimum of $150 automatically deposited into it every month. I am working on getting my kids ones going now. they say if you put just 100 dollars per month in one from the age of 25-65 you will be a millionaire. :)
If you wanna become wealthy than live like a European. Cook at hkme every day , don't have credit cards , drive a used car that you can pay for in cash
@Luis C. Silva French people still use cash , dont cary crexit card , 90% people in cities like Paris and Marseille ,Nantes dont own cars because public transportation is great like 99% Euripean countries . French people doesnt like to go out to eat because they all can cook . Also most European doesnt have interest in impressing others by buying expensive clothings . I Live in the USA and live like how i us3d to in Europe . I only pay with cash and never go out to eat since its cheaper to cook at home. Also i invest 70% of my income . Yes , its a nice country to live in but to be able to live a good life i have to have a Euripean mentality when it comes to money
Luis C. Silva I don't know which European country you live in, but what you describe doesn't apply to my European country, the Netherlands. Yes people buy more cars on payments than they used to, but still cook at home, feel save, don't go bankrupt when they get sick, college tuition is under 2000 bucks a year and so on.
@@LisetteZ3 Here in America, when we get sick, we can lose everything ! Most people would rather be sick than get help. College , even for a entry level school is 10,000 a year, but normally are around 15-30k a year. Also, everyone is in debt because they want to present a image of success , even though they are far from it.... Sigh
I’m rocking out the debt snowball...still, but medical emergencies happen. I’m alive, and not afraid to keep starting over and over and over. This is life. Thanks for your motivation and healthy financial and mental tips!
I am SO glad you talked about asking questions over and over again until you understand. It can be so intimidating when it comes to talking to student loan reps and other financial authorities when you are still learning financial vernacular and terminology! Listening to Rachel, Chris and Dave has edified me in such an expansive way that has given me the courage and determination to ask until I understand completely. Asking questions helped me understand my debts clearly with not doubts in the back of my mind so that I could pay them off with confidence! Thank you!!!
I love all of the debunking of these money myths! Breaks my heart that people believe they won't be wealthy. It all starts with believing in yourself! I picked up a side job to pay down my student loan debts & I've made a commitment to myself that if I can't pay for something in full, I don't need it. Keep teaching people!!
Rachel you are such a bubbly, awesome person. Great content. Hogan is such a fun inspiring Man. Love your shows and I watch each of you like an on going series. I am so tuned in and inspired. I am 3 credit card pmts. away and less than 2000 parent loan away from debt. House is paid in full, cars are paid in full. My children are grown and has gone through school. So, just a few more steps to freedom. Oh, yes I have EF, 6 month EF and working on building retirements.
Easy availability of credit has been a disaster for many people. I'm in Australia and it used to be very difficult to get excessive debt because banking was very conservative. Now it is easy to get a credit card.
True - "never judge your insides by someone else's outsides" Have a plan, work your plan, and don't be distracted by other people's appearances. Thanks for the great content! xWBW
I have a financial advisor I meet with him, but don't really think our conversations are that useful. What questions should you ask and what should you know about your portfolio before meeting?
Bc it is misleading. Everybody isn't gonna be rich but everybody can he comfortable. To be a millionaire you have to not only work hard but be "lucky."
This was the encouragement I needed! We are about halfway through Baby Step #3, and it is definitely not as fun as paying off debt. I'm also 28, and would love to have our Emergency Fund by the end of the year! 👐 Thank you!!
Kentucky Frey'd Fun, Congrats on being half way through baby step 3! How did you find out about Rachel and what has been your favorite part about the show? I work at Ramsey Solutions and we love getting feedback from you all!
Connor Wangner We took the Dave Ramsey FPU class at a church, and she is in the videos. We're actually now teaching the class at our church and have the final lesson this coming Sunday! I love watching to Rachel's shows! 😊
Just a word of encouragement... My wife and I are 26 and 29 and step 4 is a lot more fun than 3! We finished step 2, 3 and 4 in the last year and definitely did not make 6 figures!
Georghi1537 Rivadeneira - Live on a Budget, Get out of Debt, invest 15% off your income, Learn about finances/investments (books, podcast, classes, financial advisor), I started with $0 and 44 years later Millionaire; doing what I mentioned above.
I agree. Financial traders must live a basic life; when they do the trades work better. Financial literacy is a key skill too. Attending seminars of the role models are important as well.
Im pretty sure 1. Jesus would be rejected by US mega churchs, 2. He would be disgusted at the stuff they let fly in the name of politics and power. 3. Dave and Rachel are real religious folks, this is how religion should be. Helping people, Not judgmental, Not racist or bigoted, no hating, and Giving. Perfect example of moral values.
leon scott , oh dear. I was thinking just that. Money money money...Jesus is been replaced by money in a very smooth way. Not to mention that they all say “God” or the “Lord”said. Let’s stay out of debt, alright but let’s also keep the main thing the main thing especially if we call ourselves Christians. Money is the LEAST of things according to the word of God, but his children has made money their priority as if he can’t take care of them. Prayer helps...
Two guys are waiting for the light to change, one is driving a brand new Mercedes E Class, the other is driving a 1998 Buick Regal with the paint peeling off, who is the real millionaire?
Have money just don’t know what to do with it. Opened a vanguard fun and lost 10% right off the bat. Overall with 401k I’m -5% 9n rate of return for year.
I feel like a lot of people confuse Millionaires with Billionaires & people with hundreds of Millions of dollars. People with generational wealth aren’t millionaires, they have a WHOLE HECK OF A LOT MORE than a million net worth.
You do not need a broker to do anything. You can open an account with eTrade, Fidelity or Vanguard and invest yourself. I would recommend doing a lot of research first, and yes 500 dollars is enough.
my grandads 84years old and when i ask or talk about money to him he always says this '' i never made or make a million i invested into a million' he told me he never held a job that paid more that 25k ayear. never been in debt and even in todays market he still telling me Dont take your nose of the grindstone.
btw im 29 with just short off £100,000 saved and invested and im using these VERY REAL principals that the Ramsey team set about and my own familys advice. which is working wonders.Thanks RC
Hi Rachel Cruze, first time at your channel, great talking, wow, just working on to make a MIllion, and the very good thing is: I live in Europe, I need ONLY "882.765" Euro to be a Dollar Millionaire :))))))) Subed, can't wait for more videos, you are very sympathetic, so u put a smile on my face, all my best wishes from Germany, Bobby
I’m trying to dress like a millionaire! I wear SHORTS every Day (granted I am in CA but, Northern CA!) I’m disabled and the Wife has a good job but, not GREAT! Oh, I’m not sharing my Net Worth (not that it’s that great!) We really did great with Real Estate and NEVER took anything out as we wanted to pay stuff off! Yes, we did borrow for the purchases! (I know the Baby Steps NOW!)
A way to save $10,000 a year? Be a one car family. A way to build wealth? Be a one income family, save the second... Anyone willing to take the challenge?
From homelessness to debt free and now buying my second car.....CASH!
I feel so grateful for these folks.
❤💯😊🙂
Good on you, it’s an awesome effort to get that far, and even tougher from being homeless, well done ☺️
@@sigourneywilliamson2050 Thank you. I appreciate that😁
amazing!!!
@@larissa.pilates1750 Thank you😁
@@earnwithhearn180 I'm so confused by your comment
Not gonna lie....when I first clicked I was like this is too commercial and cheesey....BUT when she said, "debt makes you look a lot better than you are," WOW....that was powerful. So glad I clicked on your video. Great information. Thank you, taught me a very valuable lesson.
Yea, powerful stuff for sure!
That ain't no lie.
Powerful but common sense.
When Chris Hogan gave the speech about elderly citizens retiring broke living on dog food and can't afford to take their kids to Disney I cried. That was one of the most powerful and impacting speeches of my life. Thank you Chris Hogan from the bottom of my heart. ❤
I’m loving this. All these people on TH-cam pushing crazy investments, side hustles, while regular teachers and engineers are millionaires. Gives me hope as a stay home mom with a husband who earns good money! Millionaire status in 3-4 years is our goal!
My husband and I are paying on our third house in 15 years. We own both other properties still and rent them out as investment property now. It was a lot of work but is so worth it.
Congrats!
I want to become a millionaire. I've been working on my investments and passive income and I just started my channel on personal finance!!
Chris's VOICE!!!! Deep smooth silk. So relaxing
21 and im saving now!
Tommy 1•1•Six Orozco I’m 30 and finally able to actually save a couple thousand a month. I was dumb when I was your age. Just stick to it brother.
@@antoniomartin5204 dont save. invest.
Don't save, invest it in good companies.
Moral of the story is!!! DONT KEEP UP WITH THE JONES’S
If you're too young to have seen this when it was new, you'll like it now: th-cam.com/video/0tHwQK4VQMc/w-d-xo.html.
The Jones's are broke! They look good...but they're broke! Dont be a Jones :)
Ive read Everyday Millionaires and Total Money Makeover twice each. Now my personal finances are finally in order and I am making BIG progress toward building wealth. Read these books!! You'll be glad you did!!
Stay at home Mom here, and took me a while to take my finances into my own hands. But I finally did, opened my OWN Roth IRA and ANY extra money I can find, from saving in the groceries, my side hustle, uber, door dash..all of it goes in my investing portfolio in my Roth, between 150-300 per month. The reason why I am so aggressive about investing is because the longer you wait the less compounding interest we have. Also I may not always have a husband that is employed. But while he is employed and I'm home with the kids! that is when I need to be saving!!
Make sure you have enough work years (10) or else you don't get Medicare or social security. A lot of stay at home mums dont know this!!
@@southernlovely8429 I do work from home and we file Jointly, So we are both on the Tax return. I'm pretty sure we are both feeding into SS. But I'll look closer into that, thank
Maria Guild what does ROTH mean? Really want to know please
@@MarandaX. Its an 'Individual Retirement Account", I believe the ROTH part is just the last name of the Senator who came up with this. It is 'after' tax money that you can set aside and invest. Since it is already taxed you can withdraw it any time. and the profits grow tax free. i opened my account with 'Vanguard' you need $1000 dollars to start one. and I put it in an investment portfolio I don't remember the exact letters but it is like VMFXX or something like that..lol.. its the 'total stock market investment fund.'...If you call vanguard and ask them to help you set one up they will, They are very helpful.. I have a minimum of $150 automatically deposited into it every month. I am working on getting my kids ones going now. they say if you put just 100 dollars per month in one from the age of 25-65 you will be a millionaire. :)
Love this!
I miss Chris Hogan!😩He was so fun!
If you wanna become wealthy than live like a European. Cook at hkme every day , don't have credit cards , drive a used car that you can pay for in cash
@Luis C. Silva French people still use cash , dont cary crexit card , 90% people in cities like Paris and Marseille ,Nantes dont own cars because public transportation is great like 99% Euripean countries . French people doesnt like to go out to eat because they all can cook . Also most European doesnt have interest in impressing others by buying expensive clothings . I Live in the USA and live like how i us3d to in Europe . I only pay with cash and never go out to eat since its cheaper to cook at home. Also i invest 70% of my income . Yes , its a nice country to live in but to be able to live a good life i have to have a Euripean mentality when it comes to money
Luis C. Silva I don't know which European country you live in, but what you describe doesn't apply to my European country, the Netherlands. Yes people buy more cars on payments than they used to, but still cook at home, feel save, don't go bankrupt when they get sick, college tuition is under 2000 bucks a year and so on.
🤔 according to Dave you should save 15% of your gross income. What are your thoughts on this
@@LisetteZ3 Here in America, when we get sick, we can lose everything ! Most people would rather be sick than get help. College , even for a entry level school is 10,000 a year, but normally are around 15-30k a year. Also, everyone is in debt because they want to present a image of success , even though they are far from it.... Sigh
I do all that+use a bus to go to work and I rent a room instead of a house. Lets hope it works lol
Rachel, your dress in this video is perfection!
Pleeeeease let the guest speak more without interruption.
I love Chris Hogan’s voice! Great up the great job guys, have learned so much 👍🏽
i find it annoying
I wish I could get him to do the voice for the videos on my channel!
I’m rocking out the debt snowball...still, but medical emergencies happen. I’m alive, and not afraid to keep starting over and over and over. This is life. Thanks for your motivation and healthy financial and mental tips!
I am SO glad you talked about asking questions over and over again until you understand. It can be so intimidating when it comes to talking to student loan reps and other financial authorities when you are still learning financial vernacular and terminology! Listening to Rachel, Chris and Dave has edified me in such an expansive way that has given me the courage and determination to ask until I understand completely. Asking questions helped me understand my debts clearly with not doubts in the back of my mind so that I could pay them off with confidence! Thank you!!!
I love all of the debunking of these money myths! Breaks my heart that people believe they won't be wealthy. It all starts with believing in yourself! I picked up a side job to pay down my student loan debts & I've made a commitment to myself that if I can't pay for something in full, I don't need it. Keep teaching people!!
"If you tell a MYTH loud enough long enough, people start to believe it."
Rachel you are such a bubbly, awesome person. Great content. Hogan is such a fun inspiring Man. Love your shows and I watch each of you like an on going series. I am so tuned in and inspired. I am 3 credit card pmts. away and less than 2000 parent loan away from debt. House is paid in full, cars are paid in full. My children are grown and has gone through school. So, just a few more steps to freedom. Oh, yes I have EF, 6 month EF and working on building retirements.
Chris H. Is like the Morgan Freeman of wealth building
WOW! I can't unsee it know!
Love you guys. You're changing my life
Easy availability of credit has been a disaster for many people. I'm in Australia and it used to be very difficult to get excessive debt because banking was very conservative. Now it is easy to get a credit card.
The Hogan Cruze Show, Love it!
Loved ♥️👍 this episode!! Chris & Rachel are great together. I laughed & learned at the same time. This was one of my favorite episodes 👍👍😎.
Ooh poor Lauren. We should live below our means and out of debt.
If i only knew 15 yrs ago what I know today...I'd be in a better place right now 🤦♀️
Me too...but its never too late to start....👍🏾👍🏾
We have almost paid off our second house! We are well on our way! Good episode
@True United Hello! Yes we have and now we bought a acreage!!! Thanks
Feel bad for Chris departure from Ramsey solutions.
True - "never judge your insides by someone else's outsides" Have a plan, work your plan, and don't be distracted by other people's appearances. Thanks for the great content! xWBW
Excellent show today!! Chris Hogan's voice is so mesmerizing!! I love listening to his show! He is brilliant!
*wow... can't believe people still believe they're mostly inherited*
Ignorance will do that to individuals who refuse to educate themselves
Hmm
I have a financial advisor I meet with him, but don't really think our conversations are that useful. What questions should you ask and what should you know about your portfolio before meeting?
Wealth is not just a matter of property. It is a matter of what world view you have and especially your sophistication level.
I’m here for Chris. I missed his voice and personality
Why arent they actually telling us what the percentages in the study is for the myth busting? The way you frame it can be misleading.
Bc it is misleading. Everybody isn't gonna be rich but everybody can he comfortable. To be a millionaire you have to not only work hard but be "lucky."
Stealth Wealth! Mix in with the crowd. Put away pride and fulfill your life with freedom. One rental at a time.
“I sit in the back. I need some time.” 😂😂😂 Love this video.
This was the encouragement I needed! We are about halfway through Baby Step #3, and it is definitely not as fun as paying off debt. I'm also 28, and would love to have our Emergency Fund by the end of the year! 👐 Thank you!!
Firstly, congratulations on finishing up the first two baby steps! Second, I wish you the very best of luck on baby step three!
Kentucky Frey'd Fun, Congrats on being half way through baby step 3! How did you find out about Rachel and what has been your favorite part about the show? I work at Ramsey Solutions and we love getting feedback from you all!
Connor Wangner We took the Dave Ramsey FPU class at a church, and she is in the videos. We're actually now teaching the class at our church and have the final lesson this coming Sunday! I love watching to Rachel's shows! 😊
Just a word of encouragement... My wife and I are 26 and 29 and step 4 is a lot more fun than 3! We finished step 2, 3 and 4 in the last year and definitely did not make 6 figures!
John-Paul Rodgers Thank you! Yes, we're hoping to finish it soon! 😄
Yessssss!!!! Jane all the WAY!! 🙌🏼👍🏼❤️Woot woot!!!! LOVE seeing our NetWorth increase👌🏼❤️
Rachel, I love listening to your videos and your talks.
I love Rachel's dress.
love how you demonstarte how to find something on your website. Step by step.
Paying down debt is fun. I see the finish line and a new beginning of good fortune 🔮 .
Would like to see Winston visit the show!!
No keep the family and children private space....
Such a great show! Learning so much from you both! God bless!
Anna Ruth Amen 🙏
Chris Hogan has perhaps the best TV voice in EVER!
Great motivational speakers but I didn heard any clear financial advice
Georghi1537 Rivadeneira - Live on a Budget, Get out of Debt, invest 15% off your income, Learn about finances/investments (books, podcast, classes, financial advisor), I started with $0 and 44 years later Millionaire; doing what I mentioned above.
Elle’s story is amazing. Totally excited to watch more of Chris too, though Rachel will always be my fave!
Great stuff. Watch the DR and CH videos often. Glad there are people out there encouraging others to get out of and stay out of debt.
We're in our early 50's and are very nearly there!!
I love Chris Hogan! Thank you for your channel I love to listen to it. Sometimes I do feel it has too many sponsored commercials though.
I agree. Financial traders must live a basic life; when they do the trades work better. Financial literacy is a key skill too. Attending seminars of the role models are important as well.
What a spectacular voice he has! So manly and soothing 😊
I miss Chris
The man with the Ray Charles voice
Super cool !!
Thanx for an excellent video 😊😊
So helpful and entertaining, your videos make my weekly budgeting so much more fun! I always reward myself at the end with a vid :D
I’ll never forget your mothers words Rachel. Also thank you for sharing this comparison in layman’s terms😅
Best. Episode. Ever.
"Get out of here Lauren" 😂😂
God, is that you?
😂 I love his voice
Net worth is good but doesn't mean much. Cash flow is King!
What even is this lady. Lol. This is amazing, she's so enthusiastic
Finally Americans are choosing to just be financial motivators rather than mega church pastors. As a Christ discipleship this is a small win lol
Leon....Amen
Amen
Im pretty sure 1. Jesus would be rejected by US mega churchs, 2. He would be disgusted at the stuff they let fly in the name of politics and power. 3. Dave and Rachel are real religious folks, this is how religion should be. Helping people, Not judgmental, Not racist or bigoted, no hating, and Giving. Perfect example of moral values.
That has zero to do with Americans in debt, your just spreading hate & blaming others for your mistakes
leon scott , oh dear. I was thinking just that. Money money money...Jesus is been replaced by money in a very smooth way. Not to mention that they all say “God” or the “Lord”said. Let’s stay out of debt, alright but let’s also keep the main thing the main thing especially if we call ourselves Christians. Money is the LEAST of things according to the word of God, but his children has made money their priority as if he can’t take care of them. Prayer helps...
It’s not rocket science on how to become wealthy. Have a product or service that lots of people want.
🙋♂️like what enlightened us dumb people
Apple, ULTA, etc
Two guys are waiting for the light to change, one is driving a brand new Mercedes E Class, the other is driving a 1998 Buick Regal with the paint peeling off, who is the real millionaire?
The one driving the ‘98. That’s why he’s a millionaire.
Have money just don’t know what to do with it. Opened a vanguard fun and lost 10% right off the bat. Overall with 401k I’m -5% 9n rate of return for year.
I feel like a lot of people confuse Millionaires with Billionaires & people with hundreds of Millions of dollars. People with generational wealth aren’t millionaires, they have a WHOLE HECK OF A LOT MORE than a million net worth.
Can you get a stock broker if you don’t have a large amount to invest? Like if you’re just starting off with $500
You do not need a broker to do anything. You can open an account with eTrade, Fidelity or Vanguard and invest yourself. I would recommend doing a lot of research first, and yes 500 dollars is enough.
Muy buen video Rachel ! Gracias por compartir !
Thanks for this great info, could you also recommend people/companies for us Canadians? Loving the show! Thanks!
Wow Dave, what a lovely daughter you have, both inside and out.
Very informative 🙏
Great energy Rachel.
I see how Ramsey Solutions is reaching out to different kinds of people by choosing different speakers.
Rachel is his daughter...
She is still her “own person “ she has had her own financial struggles too...
The one living rich is having all the fun first
You need money when younger. BMW sport with 10's is a nice experience. And 10's do like a nice car. It's just the way of the world......
my grandads 84years old and when i ask or talk about money to him he always says this '' i never made or make a million i invested into a million' he told me he never held a job that paid more that 25k ayear. never been in debt and even in todays market he still telling me Dont take your nose of the grindstone.
btw im 29 with just short off £100,000 saved and invested and im using these VERY REAL principals that the Ramsey team set about and my own familys advice. which is working wonders.Thanks RC
love your show Rachel!! where'd you get that dress? its so cute!!
Good humble man who really cares. I am on snowball and on a roll due to dave ramsey and this team.
You two are a hoot together, love it!
I'm walking around with millions in cash here on my holiday in Indonesia
I never will. because I love to help non beggars out of my limited excess to help themselves.
I am rich in good deeds, and I take care of myself.
Yes I truly would love to become a millionaire... And also keep a low profile I wouldn't want the popularity.
Being a millionaire is a mindset
Voice from Heaven: "Take me on your show..."
"Yes God" 😂
Is there anyone like you guys in the uk?
Hi Rachel Cruze, first time at your channel, great talking, wow, just working on to make a MIllion, and the very good thing is: I live in Europe, I need ONLY "882.765" Euro to be a Dollar Millionaire :))))))) Subed, can't wait for more videos, you are very sympathetic, so u put a smile on my face, all my best wishes from Germany, Bobby
Please , please, please kindly allow the guest to speak without interruption.
Love you Rachel.
This show is like one big ad after another ☹️
So nice of Rachel to keep sending those plugs for her father's (Dave Ramsey) show.... She never wanted for anything growing up.
Love how you guys went out and interviewed real people of what they think careers millionaire have
Good information!!
I’m trying to dress like a millionaire! I wear SHORTS every Day (granted I am in CA but, Northern CA!)
I’m disabled and the Wife has a good job but, not GREAT!
Oh, I’m not sharing my Net Worth (not that it’s that great!)
We really did great with Real Estate and NEVER took anything out as we wanted to pay stuff off!
Yes, we did borrow for the purchases! (I know the Baby Steps NOW!)
The "Lauren" would be "keeping up with the Joneses"
A way to save $10,000 a year? Be a one car family. A way to build wealth? Be a one income family, save the second... Anyone willing to take the challenge?
Hi any advice for a single parent?
Hi Rachel!
Could you give some advice?
I have a situation !
So when it comes to student loans you do the snowball with them too?
Did I miss the average income of the everyday millionaire. I was expecting to hear that. Now I’m so curious to find out it much be a hook for the book