Dave Ramsey Rant! - I Have a Ph.D In D.U.M.B
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- เผยแพร่เมื่อ 7 ก.ย. 2016
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Not caring what others think is one of the greatest gifts.
I agree.
Jin yet it causes Dave Ramey to not realize he’s wrong in so many ways. Maybe he should listen to the thousands of financial professionals that criticize his financial advice with simple math.
@@EmpireTextbooks Care to give an example?
Kody Eldridge how about how he thinks that you should pay off loans with the smallest balance first instead of in order of highest interest rate
Yes, not caring what people think.😉
I have no debt because I dont care what other ppl think of my car or where i live. One day i will have a nice car and a nice house but right now im content with what i have.
everytime i hear dave tell his story i am always amazed. it's so hard to believe that he ever lived that way. what a testimony!! thank you!!
I started to listen/watching Dave Ramsey for about a month now. I learn to live below your means & stop living pay check to pay check. I thought I needed a bigger
raise. It's not how much money you need, it's what your doing with your money.
I had amazing parents, but I had to learn about money on my own.
I bought a house 20 years ago and knew nothing about money. I was making half of what I make now.
It was a struggle but I still have the house. It’s almost paid for. It’s worth more than double what I paid for it.
I’m thankful I have it.
Trying to buy a house on credit cards, I was in a teaching like that too, BAD advice! Thank you Dave for your transparency and teaching us how to be good stewards!
Debt and ruined or destroyed many people/families
👏🏿👏🏿
thank you Dave!
I am not from the states but I guess money stress is universal. I live simply and I don't really mind what other people said but I still went into debt when I shouldered my late grandmother's medical bills and funeral, because nobody else is universal the family is willing... some are able but lacks willingness and I guess the stupidest thing I did was guaranteed someone else's loan and they didn't pay so I had too. I'm trying my best to dig myself from this hole, I learned now that kindness may be abused, I'll be careful from now on.
Stupid mistake I made buying new car, timeshare, stupid cards, and scam for $600. Borrow money from credit card for investing in stock market. I have a Ph.D in DUMB. I'm tired, I am changing and investing in myself.
Thanks Dave...i am baby step 2 ...in 1 year I will be debt free...it is not easy but we have to keep focus....perseverance!
Very wise monologue , Thanks Dave
There is stuff you learn in school, then there is stuff you learn by falling flat on your face. The stuff you learn by falling flat on your face is more valuable because it teaches you wisdom and humility
At the age of 28 (1988) I was single and had a full time job with benefits. . I moved into my first apartment yes, at 28 but did pay my folks some rent each month. My apartment was a Jr. one bedroom. I owned my car (a 1973 mustang) Because I lived at home up until that time I was able to put away a substantial nest egg. I wasn't making a ton of money but enough that I could support myself. Because of my income my ability to date was limited and girls did not want to invest time with me. I accepted that. I called it financially aware. Everyone used to say...Why not buy a house? When are you going to get married? When are you going to have kids? "Why don't you go back to school? Why do you drive an old car? I used to laugh when they'd ask me that and respond "I'm not trying to impress you".
In short, I agree with everything Ramsey says. By making the decisions I did before I was 30, I truly, truly avoided a lot of financial stress and completely avoided and ignored peer pressure. The money I freed up I was able to invest. A lot of folks who went the opposite way are literally looking good and going nowhere.
how often do you eat out?
I like how you mention 12 step.. i went through that program and your tough love approach reminds me of what i heard in the rooms. I think that's part of why it's been so appealing to me.
Thanks again, Dave.
neptronix I can totally relate. I'm in a 12 celebrate recovery group here in Zimbabwe and I identify my struggle as "Financial Insecurity". Dave is so right!
I appreciate you posting these rants. I've been working since 2002 and hearing how bad the economy was since 6 years before the recession. It's really not that bad out there. You can do pretty well for yourself as long as you maintain a can-do, non-entitlement mindset and aren't afraid to work. I missed the part in your rant about using government handouts as a way to proserity... oh right, it's not in there.
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It was like Uncle Dave was talking to me directly because i have my PHD in D.U.M.B. as well... That rant was real
thank you!!! still on baby step #2 Slow and steady...
This is me and my husband. we have made the MOST DUMBEST Decision with our incone. Im talking about our whole 24 years of Marriage. Dont ask me how we manage to not ever let money come between us. But we sure dont know how to stay out of debt. 2 bankruptcy and still in the same cycle creating over 200,000.00 dollar debt with a 55,000.00 income. This is not easy to write to you about this. But we need help.
Laura Camacho seriously? How are people this stupid, I'm 17 and my backbone is already built. This is insane.
Cash advance to buy a house?! Lol!!! Ok, this made me feel a little better about my own stupid moments haha!
Today I have learned something.....my 65 year old dad couldn't teach me......what Ramsey had fought me!
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Thanks Dave!!! I needed to hear this!!!
Some people will but Christmas presents this year on a CC but still owe $$$ on 3 previous Christmas Holidays to that same CC!!!
Boobachie lol. So true.
True.
I love listening to you Dave. Thank you so much for being real and being a reflection of God's love
This is an older video but very impactful, thank you
So real so knowledgeable ..
So inspiring!
Preach Dave!!!!
humbling story. we all have our dumb times
Dave, Financially i'm a mess but I just started out with your book the total money makeover. Coincidentally like you I grew "Sick and Tired" of being "Sick and Tired". It was so bad when I reached for the above text I went to the Half Priced Book Store just to get my hands on it. I'm plugged into your wisdom and experience and have a long road to trudge. Thanks for sharing your life experiences financially. I look forward to the healing.
I was stupid. I took student loans so we could live off of them while I went back to school. Was unable to graduate because I have a disorder dyscalculia, that I didn't know about, I now we can't pay our mortgage because of those loans $40K and 2 car payments and 2 credit cards. Stupid stupid stupid.
Trying to make your life better is not a failure. You are not dumb. Try again. Finish it. You can do it!
Hang in there!!
Stephanie Bogart howre ya
Same. I didn’t graduate. I have 27k in student loans. 2 cards that I owe 700 between the both of them. I don’t have car though. Keep pushing! Learn from your mistake.
This was two years ago, how are you doing now?
“At least learn to use the microwave” Bro Dave is straight up savage 💀💀
My pastor uses the corn analogy too! Love it
Speaking Words of wisdom let it be!!
I absolutely love your videos! BTW, the car brand Peugeot still exists yes :)
"Hey, Guys." For the upteenth time. "Hey, Guys."
"Hey, Hey, HEY!"
Guys.
no kidding, i hate that auto play intro!
Awesome
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😂😂 good one Dave!
I love when he says "3 legged dog named Lucky"
Yes and yes
Now he is a wise man
3-legged dog named Lucky...haha...
Dat farcry 3 reference
Columbo drove a Peugeot ;)
I sold life insurance but I did not buy it myself
Dave.. God never uses anyone deeply until he has allowed to suffer deeply.
BIG JOE 245 good point
I want to be more intelligent. I’m in 17k in debt and make 25K a year and going to school and thankfully for free.
As my Grandpa said these people have a B.S. in bs
Woooowww
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I got this :)
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Dave should do a "share your dumb story." I have some. I called him one time about one of them lol
Live and learn.
We are actually going to do that on the show soon! Its called "Stupid Tax" hour.
+The Dave Ramsey Show make it a reoccurring theme
i would guess that taking a loan out on your truck to payoff a credit card and then turn around and use the credit card would count.
The Pharisees were not wrong for keeping rules, they were wrong for binding rules that God never made. There is a difference.
You wanted a Peugeot?! that is dumb
Awww a Poo Joe
I'm going to be the first millionaire from credit card points. hahah jk
Peugeot - - > pezo
I havent made enough money to be a stupid spender
You said that the only dumb thing you've never done is purchased a timeshare.
You've also never taken-out a reverse mortgage or purchased Bitcoin!
poo-jo
First!
it’s Ph.D. not Ph.D
Maybe Dave Ramey should listen to the thousands of financial professionals that criticize his financial advice with simple math and then he’ll realize that he’s spreading false information and hurting people.
That's because Dave doesn't talk about money, he talks about people's behavior
And yet none of those financial professionals have the success or the following of Dave. His system works period