I needed this today. My coworkers made me feel dumb because I don't want to live with debt. Living with debt for the rest of my life is not what I want for my life. I'm "weird" as Dave would say because I don't want that "normal". My coworkers actually said "you will have debt for the rest of your life" and I was like no, i wont. I'm paying it down and will be done with it. Then they responded with but you don't have a mortgage yet. And I said "After i pay down my debt I will save my 3-6 months of emergency fund and then after that I will save for a house and try to cash flow as much of it as I possible can. " They dismissed everything I said by saying then you'll rent for the rest of your life. you can't save enough money for a house. IT's not possible. I don't want a life that they think is normal. I needed to find this video today. Thank you Dave!
Wow, sorry that happened. Debt is dumb and "broke" is normal, so be "weird." It sounds like you're on the right track. Stick with it and awesome things will come from it. We believe in you!
MichelleLynneTV being in debt is normal for them. At least you don’t have to live with them. My husband feels the same way until he saw my bank account and now he’s trying to play catch up with me. I have years ahead him. I’m still saving so he will never ever catch up to me because of my mindset.
MichelleLynneTV Well I must be weirder than the weirdest of weird AND If I am then I'm PROUD and my head is HIGH. Never been in debt so i'm EXTREMELY abnormal, I LOVE IT. You don't have to follow the crowd, strike out and do things your own way. DO NOT let "normal" stop you from marching to a strong and successful future.
Dave Ramsey: "The cavalry is not coming. There's not an outside force that's gonna fix your life. And there's not an outside force that's holding you back. 98% of the things that hold you back are between your freakin ears." Preach it, brother. Good stuff right there.
Me and my then-best friend had a 30-year friendship. I'm glad in a way that we grew apart and lost contact with one another because I remember at one point telling him one of my goals and he looked at me wide-eyed and asked, "Isn't that aiming a little high?" In retrospect I regret not responding with, "Ever heard of someone aiming low?"
Well said. This is the reason I fought to get rid of my highly abusive ex-husband out of my life and my kids life for good, then later my controlling ex-boyfriend, so many so called "friends" some of whom I have had for half my life up until then, even ended some relations in my family (still got some more to go), co-workers, past bosses, and Im still going down that list separating the weeds from the rye, and gaining better relations with better people in my life. Its without a doubt, the BEST move Ive made in my life thus far.
interested to know how that is going Rosenchrige - making new friends. I've recently broken with a friend group for various reasons. How did you approach getting to make new friends, people of character who live with intentionality?
Toxic choices, Toxic family, Toxic friends.... in that order!! and now you make those three things right and your life will transform into financial and emotional greatness!!
I live in the UK Dave and I see people in debt and I try to lead them to your Show, they need help, they need you. I just hope they make the effort to watch you.
have you had any luck Penny. 'friends' of mine (or rather perhaps I should say ex friends), mock me for wanting to get out of debt. It's the strangest thing.
@@juliareadscottishpiperandh4861 ok I love dave, but I think that not having any debt is bad. I plan on investing in real estate and 30 year fixed rate loans make more sense than spending 10 years to save up and spend a rental property. You should leverage your money to increase your cash flow.
@@nicr7959 yeah it's more or less impossible to buy up and save a house where I live. The houses have been going up faster than I could save. Personally I'm not happy to use credit cards. I started my business on a shoe string and it's doing ok, plus right now in the midst of covid I'm fairly calm. Mathmatically I agree with your comment about leverage, I just don't want to do it emotionally :-)
My brother does not understand this at all and questions why I burned a lot bridges with people as often as I do. He still hangs out with his trailer trash friends who had kids in high school or right out of school. He wants to be friends with everyone, it's quantity over quality with him. He was a very smart guy in high school (he wasn't smart but had something going for him i.e. He was cocky about his grades but put no work into it) but I noticed the people he would hang around with and knew that reality would drive him down eventually which it did. After living a little and meeting the love of my life who is my best friend, my outlook on life is completely different than his. My brother will still complain that racism got him arrested when it was 100% his fault. Me and my boyfriend discuss our future plans, goals, travel destinations, and ideas to achieve extraordinary things together
I'm black and i liked that Dave also said in a different video that these things exist but that they aren't the only reason why people don't become wealthy. I liked when he said that racism, sexism, etc create more barriers but that they aren't insurmountable. Thats what makes his opinion more realistic, because he realizes that they are a real problem but gives advice (Baby steps) on how to push past them financially. We still have to deal with them, but they won't be as much of a barrier to our eventual financial success.
Ramsey is on point. It's true that their are inequality issues with certain people and certain businesses and he did acknowledged those idiots. We also have to surround ourselves with positive people who have a desire and drive to succeed. We have to help each other by sharing information and opportunities. When one door closes look for another one. Don't let ignorance and discrimination stop you from achieving your goals. People who are always negative and tearing down your dreams are not there for you! When we collectively help someone in need especially when they are down we make a better village for our children. Thank you Dave Ramsey.
This is so true. A few years ago I let a long time friend go (for several reasons) and my bottom line improved as I wasn't in restaurants day in and day out with her. Now I am honest about my budget with my friends and we do (at home) board game nights and a potluck.
Watched a bunch of your videos this one by far will help the well being of this country. Keep these up and try to get these messages into places that can't afford the internet. Thanks Dave
I cut off some negative friends. Never felt better. They started to slowly but surely ruin many aspects of life, not just financial. Distancing them has been the best :)
Since I have been watching you're show in the last 3 weeks my mindset has changed more and I'm also dept free thank you dave ramsey from Australia ,Queensland
Yup, I booted out a friend from my life cause he was such a negative cloud and not helping in anything. Been good without him since =) I need good influences like Mr. Ramsey! Can't get enough of him!
I've had to drop a heap of friends. And get a lot of space between a long time 20yr friend we've gone through a lot together but she's happy in a pit of dispair. She was bringing me down and life seemed double harder.
I've had to do the same. It really hurts, doesn't it? Sometimes, I question if I did the right thing. But I guess part of life is evolving into something better, and that often means letting go of anything or anyone holding you back.
I was recently advised that the big houses I was looking at online take a lot of work and a very successful income, and you know most never even get there. Why do so many people make that assumption over the possibility that I'm willing to work hard to get there? It's heartbreaking. A budget, smart saving and a bit more income and I'll be there. Now I just need to meet more like minded people! Anyone in Liverpool, uk?
yes sir....that is so true I noticed that when I was about 17 or 18 .... I believe that you have to hang out with people that if you get stuck on a situation will pull you out of it......
Birds of the same feather flock together. It is not about you become who you hang around with but you hang around people whose values are the same as yours. I am frugal so most of my friends are frugal. And those who are not frugal don't tell me to stop being frugal.
I don't think he's saying that minorities don't have challenges, I think he's saying that we all do. Sure, you're going to run across plenty of companies that won't hire or promote you based off of the color of your skin or your sex or whatever, but truthfully, you shouldn't be working for those types of companies/people anyway.
Not that I'm religious, but I do remember the passage in the bible about Jesus being prosecuted because he didn't own a tie. That part was vividly real to me.
God doesn't care what color you are. There are spiritual principles in place. They are in the bible for everyone to read. . Also, I learned early in life that friends can push forward or hold you back; be careful who you call friends. It's a personal choice.
Not even your friends but your whole life.. having good role models and I remembering having a few people I admired and I aimed toward their goals... I remember one having a company truck.. and thought that it was the coolest thing.... and now I have a company truck. It’s crazy we have to get rid of toxic friends, but we’re friends with them growing up... and crazy how everyone’s priorities and ambitions change. I wish I can still be friends with them, but I know my life is just Ok without them...
It's really very simple. Give your fellow citizens value. Not value for money, just value. It may be hard to believe, but the money will come if you give them what they value.
Even if hanging around bad influences, you still need to make good decisions and cant blame them. Cant choose family, but you can choose who you hang with. Not so easy to choose who you work with when hiring decisions arent yours. Bottom line is you need to make good decisions and do what is right for you, but yeah, hang w positive people and supportive people if you can find some! It is up to you. Sometimes it is best to hang out with ...yourself.
Your success is admired. You worked hard. You made it. I am proud of you Dave. It is hard to generalize people. Extremities are on both sides of the table. I want to take your point a step farther though. Success is determined by yourself. You define what it is, and you define if you are successful or no. BUT there are issues in this economy, world, whatever you want to characterize it. Your friends, and who you know should not determine your career and wealth. I personally know people who have worked their ass off from day one. In fact some of those people I have even seen taken advantage of. There are people who are hardworking, caring, smart, and more. Basically the type of people you would want to trust to run your business. They are stuck. Its not because they are lazy, its not because they are dumb, its not because they are white, gray, black or blue, but it is because we have an issues in society where a majority of the time it is those who know the right people that receive the "success". It is not an excuse as well. People do work hard and usually they do well, but I know a lot more people that have what they have because they knew the right people to get it. Its not always about what you know. Its who you know.
This thing has caused issues with me picking someone to stick with and spend my life with. College friends of mine have a good idea with Dave’s topics but the relationships I’ve had here have often run into people that believe they can’t get ahead and I have to keep running away
Well the counterpart can be true having good fiends with positive and confident outlook and beliefs in life could help you a lot I’d suppose Like strength in numbers
That is why I hang around more with Dave on TH-cam!
Kamala D me too
Me too
i was thinking the same :D
Same
Yes, and amen!
I needed this today. My coworkers made me feel dumb because I don't want to live with debt. Living with debt for the rest of my life is not what I want for my life. I'm "weird" as Dave would say because I don't want that "normal". My coworkers actually said "you will have debt for the rest of your life" and I was like no, i wont. I'm paying it down and will be done with it. Then they responded with but you don't have a mortgage yet. And I said "After i pay down my debt I will save my 3-6 months of emergency fund and then after that I will save for a house and try to cash flow as much of it as I possible can. " They dismissed everything I said by saying then you'll rent for the rest of your life. you can't save enough money for a house. IT's not possible. I don't want a life that they think is normal. I needed to find this video today. Thank you Dave!
Wow, sorry that happened. Debt is dumb and "broke" is normal, so be "weird." It sounds like you're on the right track. Stick with it and awesome things will come from it. We believe in you!
MichelleLynneTV being in debt is normal for them. At least you don’t have to live with them. My husband feels the same way until he saw my bank account and now he’s trying to play catch up with me. I have years ahead him. I’m still saving so he will never ever catch up to me because of my mindset.
MichelleLynneTV Well I must be weirder than the weirdest of weird AND If I am then I'm PROUD and my head is HIGH. Never been in debt so i'm EXTREMELY abnormal, I LOVE IT. You don't have to follow the crowd, strike out and do things your own way. DO NOT let "normal" stop you from marching to a strong and successful future.
Stop telling your coworkers your personal business. They aren’t your friends and certainly don’t have your best interest at heart. ❤️ Stay positive.
Cynthia Eckstine they sure don’t.
Dave Ramsey: "The cavalry is not coming. There's not an outside force that's gonna fix your life. And there's not an outside force that's holding you back. 98% of the things that hold you back are between your freakin ears." Preach it, brother. Good stuff right there.
Good stuff... I have cut my toxic friends and family out of my life and it was a great decision!
Same
Same and steer clear of any new ones:)
U are toxic for saying toxic
Imagine the ones that cut you out cause they considered you toxic
Gg Medina how is someone toxic just for saying toxic? Am I confused? Or is it just you? 😂
Me and my then-best friend had a 30-year friendship. I'm glad in a way that we grew apart and lost contact with one another because I remember at one point telling him one of my goals and he looked at me wide-eyed and asked, "Isn't that aiming a little high?" In retrospect I regret not responding with, "Ever heard of someone aiming low?"
My family are so negative and unambitious! They tell me I can't make it but I will prove them wrong I will be successful
Birkinbag09 same here friend! I went no contact and left the narcissists behind. Now life is so much better. Best wishes!
Family can be your worst enemy
How are you doing now kid? Don’t give up. Life is a journey.
@@joncena168 yes it is
Thanks Dave. Unfortunately I have had to be alone to be successful.
Same here.
Unique 40 me too!
bradley Pietrzak
Sounds like you are on the right track. Good luck to you and your wife.
you're not alone :)
Same, unique 40.
Well said. This is the reason I fought to get rid of my highly abusive ex-husband out of my life and my kids life for good, then later my controlling ex-boyfriend, so many so called "friends" some of whom I have had for half my life up until then, even ended some relations in my family (still got some more to go), co-workers, past bosses, and Im still going down that list separating the weeds from the rye, and gaining better relations with better people in my life. Its without a doubt, the BEST move Ive made in my life thus far.
interested to know how that is going Rosenchrige - making new friends. I've recently broken with a friend group for various reasons. How did you approach getting to make new friends, people of character who live with intentionality?
My friends are lucky I've found Dave 😉
heartquaked I agree with you!!
This must be why I have a lot of acquaintances but very few close friends. I'll never hang around losers!!!
😊
Friends may have influence on you but bottom line your core values are your very own.
Nathaniel Carreon people can only influence you IF YOU LET THEM. THINK ABOUT IT. The ONLY person who influenced me was my mother, thankfully.
You become who you hang around with....the best advice I ever received!!!!! Thank God, I am wise & weird!!!
I love you Dave, so much. You are the dad I never had. I am so deeply grateful for having found you! ❤ Love from Portugal
Toxic choices, Toxic family, Toxic friends.... in that order!! and now you make those three things right and your life will transform into financial and emotional greatness!!
Racism exists, but whining without action won't eliminate it. Good message.
"Eeyore is their spirit animal" hahahhaa XD
I live in the UK Dave and I see people in debt and I try to lead them to your Show, they need help, they need you. I just hope they make the effort to watch you.
have you had any luck Penny. 'friends' of mine (or rather perhaps I should say ex friends), mock me for wanting to get out of debt. It's the strangest thing.
@@juliareadscottishpiperandh4861 ok I love dave, but I think that not having any debt is bad. I plan on investing in real estate and 30 year fixed rate loans make more sense than spending 10 years to save up and spend a rental property. You should leverage your money to increase your cash flow.
@@nicr7959 yeah it's more or less impossible to buy up and save a house where I live. The houses have been going up faster than I could save. Personally I'm not happy to use credit cards. I started my business on a shoe string and it's doing ok, plus right now in the midst of covid I'm fairly calm. Mathmatically I agree with your comment about leverage, I just don't want to do it emotionally :-)
Dave..... He's a Rebel without a tie!!!!! Awesome!!
My bff is my mom and we are both into saving and investing and becoming financially free so I guess I'm lucky. 😍
christirb1 you have a great mom👍🏼
christirb1 Lucky you. You couldn't have chosen a better financial partner. Good luck to you both.
Musicmann1022 EXCEPT when it comes to money .
@Phil Thomas Yup. My mother was an always-negative narc. Nothing was ever quite good enough for her. I went "no contact". My son will never know her.
My brother does not understand this at all and questions why I burned a lot bridges with people as often as I do. He still hangs out with his trailer trash friends who had kids in high school or right out of school. He wants to be friends with everyone, it's quantity over quality with him. He was a very smart guy in high school (he wasn't smart but had something going for him i.e. He was cocky about his grades but put no work into it) but I noticed the people he would hang around with and knew that reality would drive him down eventually which it did. After living a little and meeting the love of my life who is my best friend, my outlook on life is completely different than his. My brother will still complain that racism got him arrested when it was 100% his fault. Me and my boyfriend discuss our future plans, goals, travel destinations, and ideas to achieve extraordinary things together
Smarter people usually have less friends!
Adela Your brother was a fine example of how not to live your life.
He hangs with trailer park friends but also plays the race card? Is he not white?
@@ThejeffJr8 I'm also confused by this story🤣.
I'm black and i liked that Dave also said in a different video that these things exist but that they aren't the only reason why people don't become wealthy. I liked when he said that racism, sexism, etc create more barriers but that they aren't insurmountable. Thats what makes his opinion more realistic, because he realizes that they are a real problem but gives advice (Baby steps) on how to push past them financially. We still have to deal with them, but they won't be as much of a barrier to our eventual financial success.
This advice: Most Valuable & Most Underrated
Great message Dave. Thank you!
Ramsey is on point. It's true that their are inequality issues with certain people and certain businesses and he did acknowledged those idiots. We also have to surround ourselves with positive people who have a desire and drive to succeed. We have to help each other by sharing information and opportunities. When one door closes look for another one. Don't let ignorance and discrimination stop you from achieving your goals. People who are always negative and tearing down your dreams are not there for you! When we collectively help someone in need especially when they are down we make a better village for our children. Thank you Dave Ramsey.
“98 percent of what is holding those back is between your ears” thank you for that.
Words to live by!
"Eeyore is their spirit animal..." Still LOLing!!!
I love you Dave! great video
This is so true. A few years ago I let a long time friend go (for several reasons) and my bottom line improved as I wasn't in restaurants day in and day out with her. Now I am honest about my budget with my friends and we do (at home) board game nights and a potluck.
Straight talk like this is anathema to modern ears. Keep speaking truth Dave!
So many people need to hear this Dave. Amen!
This holds true today...
Watched a bunch of your videos this one by far will help the well being of this country. Keep these up and try to get these messages into places that can't afford the internet. Thanks Dave
Thank you Dave!
Your right Dave, my mom always said show me your company and I'll tell you what you are.
That’s why Dave is my best friend without him knowing it. I don’t have any aside from him
I cut off some negative friends. Never felt better. They started to slowly but surely ruin many aspects of life, not just financial. Distancing them has been the best :)
Since I have been watching you're show in the last 3 weeks my mindset has changed more and I'm also dept free thank you dave ramsey from Australia ,Queensland
sonny paongo Awesome! Thanks for watching.
"Eeyore is their spirit animal." I laughed SOOOO hard.
Boy, I needed to hear this today. Thanks, Dave.
thank God I found you Dave!! tons of love from the Dominican Republic! God bless you!
Amelia Quezada hi Dave is amazing 😉
That is why I hang around in here and listen to Dave.
Yup, I booted out a friend from my life cause he was such a negative cloud and not helping in anything. Been good without him since =) I need good influences like Mr. Ramsey! Can't get enough of him!
I've had to drop a heap of friends. And get a lot of space between a long time 20yr friend we've gone through a lot together but she's happy in a pit of dispair.
She was bringing me down and life seemed double harder.
I've had to do the same. It really hurts, doesn't it? Sometimes, I question if I did the right thing. But I guess part of life is evolving into something better, and that often means letting go of anything or anyone holding you back.
Dave "Real Talk" Ramsey
colonelkfc33 can I get a zinger with fries and a bucket of 12 wings pls
Thanks Dave this is true
I was recently advised that the big houses I was looking at online take a lot of work and a very successful income, and you know most never even get there. Why do so many people make that assumption over the possibility that I'm willing to work hard to get there? It's heartbreaking. A budget, smart saving and a bit more income and I'll be there. Now I just need to meet more like minded people! Anyone in Liverpool, uk?
Nope, but I'm from Portugal! :) hope you are in a better place today!
yes sir....that is so true I noticed that when I was about 17 or 18 .... I believe that you have to hang out with people that if you get stuck on a situation will pull you out of it......
This is one of my favorite videos! Thank you Dave Ramsey!! So inspiring and so motivating.
So blessed to have found this information. I'm forever grateful
The less friends the better
Indeed😊
This is 100% real talk. Right on point.
Birds of the same feather flock together. It is not about you become who you hang around with but you hang around people whose values are the same as yours. I am frugal so most of my friends are frugal. And those who are not frugal don't tell me to stop being frugal.
Listening to your show in Yaxley England
"Eeyore is their spirit animal..." good stuff sir, good stuff
Dave is my "Spirit Animal"
Family does too because most don't have your back
Indeed😊
I don't think he's saying that minorities don't have challenges, I think he's saying that we all do. Sure, you're going to run across plenty of companies that won't hire or promote you based off of the color of your skin or your sex or whatever, but truthfully, you shouldn't be working for those types of companies/people anyway.
Much needed video to see!! Watch the company you keep! Thanks Mr Ramsey
I've cut out all toxic friends/family members/associates...and, it's easier than I thought being an 'island'.
powerful powerful powerful. i needed this. 100
This video hits me hard. Glad I found your channel dave
Thank you uncle dave
Dime con quien andas y te dire quien eres....
So true....love your show Dave !!!!.
I went to college because of my friends help and influence!!!!!
I'm your friend, Dave! I'm in great company!
Not that I'm religious, but I do remember the passage in the bible about Jesus being prosecuted because he didn't own a tie. That part was vividly real to me.
God doesn't care what color you are. There are spiritual principles in place. They are in the bible for everyone to read. . Also, I learned early in life that friends can push forward or hold you back; be careful who you call friends. It's a personal choice.
Not even your friends but your whole life.. having good role models and I remembering having a few people I admired and I aimed toward their goals... I remember one having a company truck.. and thought that it was the coolest thing.... and now I have a company truck. It’s crazy we have to get rid of toxic friends, but we’re friends with them growing up... and crazy how everyone’s priorities and ambitions change. I wish I can still be friends with them, but I know my life is just Ok without them...
Oh I love my uncle Dave! He talks sense I am addicted to him honestly 😂😂😂
It's really very simple. Give your fellow citizens value. Not value for money, just value. It may be hard to believe, but the money will come if you give them what they value.
I stopped hanging around a lot of negative people. They drag you down.
Very refreshing to hear this!
We are lucky that we found Dave!!!
"Its like Eeyore is their spirit animal" 😂
People who are not succeeding don’t want to be around people who are.
Friends are only friends when they can get something from you! I have completely decided that i won't borrow money to anyone who is not family.
Right ON Dave!! SAY THAT!!
I love Dave. Especially when he says "h-whine"
He's right. Are you (me) going to let my family determine your (mine) future.
Awesome talk Dave. Bottom line is, anyone can make it. Doesn’t matter what your circumstances are..
Even if hanging around bad influences, you still need to make good decisions and cant blame them. Cant choose family, but you can choose who you hang with. Not so easy to choose who you work with when hiring decisions arent yours. Bottom line is you need to make good decisions and do what is right for you, but yeah, hang w positive people and supportive people if you can find some! It is up to you. Sometimes it is best to hang out with ...yourself.
Your success is admired. You worked hard. You made it. I am proud of you Dave. It is hard to generalize people. Extremities are on both sides of the table. I want to take your point a step farther though. Success is determined by yourself. You define what it is, and you define if you are successful or no. BUT there are issues in this economy, world, whatever you want to characterize it. Your friends, and who you know should not determine your career and wealth. I personally know people who have worked their ass off from day one. In fact some of those people I have even seen taken advantage of. There are people who are hardworking, caring, smart, and more. Basically the type of people you would want to trust to run your business. They are stuck. Its not because they are lazy, its not because they are dumb, its not because they are white, gray, black or blue, but it is because we have an issues in society where a majority of the time it is those who know the right people that receive the "success". It is not an excuse as well. People do work hard and usually they do well, but I know a lot more people that have what they have because they knew the right people to get it. Its not always about what you know. Its who you know.
Yup! I agree with this 100%
This thing has caused issues with me picking someone to stick with and spend my life with. College friends of mine have a good idea with Dave’s topics but the relationships I’ve had here have often run into people that believe they can’t get ahead and I have to keep running away
Excellent advice.
“Show me your friends il show you your future” Dan Pena
Solid rant!
Not only the people you hang around, but also the people who you choose to follow on the internet.
I love Uncle Dave
It’s a good thing Christ doesn’t give up the people Dave teaches us to give up.
Great video Dave! Lead by example.
Bravo Dave, bravo!!!
"It's like Eeyore is their spirit animal." Pegged it, Dave!
my only friend is my husband. I like it exactly that way.
Excellent choice.
Inspiring words.
It's ok to be weird when it comes to saving money.
100% agree with you Dave. That's how I got to be a weird person!
Thank you sir 🙌
I need that jersey as much as I needed this advice
What if you don't have any friends?
Well the counterpart can be true having good fiends with positive and confident outlook and beliefs in life could help you a lot I’d suppose
Like strength in numbers