2 of 5 consumer debts paid. The debt Snowball remains 3 loans, but we are unstoppable, we plan to be free this year! Thank you Ramsey team, thank you Minimalist team.
I started paying off my student loans. I wasnt able to before because there wasnt enough money at the end of my paycheck. But now im earning enough and I have been using some of the Ramsey plan and it gave me tje confidence to finally tackle this debt. Thanks to all of you for talking about the possiblity of freeing ourselves from stuff and eliminating debt!
I love TK's comment about living generously no matter how much you "have". Because you always have something to give. (minute 24). George - give a little until you can give a lot. It's a tool.
It is amazing how freeing it is to be frugal, giving serious thought before each purchase. Whatever you call it, minimalism or frugality or something else, it just feels good to be careful about how I use my money.
I'm a senior and I have no debt, but my net worth probably isn't even 50k, but I am content with what I have and am living simply and enjoy life! I feel we spent worrying about whether we're going to be able to be a millionaire. Debt free, simple and contentment makes a happy life!
Because we are believing the lies of the advertisers and companies that have us mesmerized at their ads and creating these existential voids that didn’t existed before. These ads distract us from our personal and family goals and put us on a never ending quest for comparison with others, it’s foolish and the only thing that accomplishes is the feeling of dissatisfaction.
Working on paying off all our debt this year! Want it gone! It's my biggest form of clutter and it's definitely the most stressful! I started this journey 3 years ago with getting my house in order by decluttering, then I decided to declutter excess weight off my body, now I'm working on decluttering our debt. 😊
Creative energy: Your not getting rid of the collection, your letting it go to give someone else that joy that you felt when it was blessing you. Now it’s blessing someone else.
I appreciate the minimalize the minimalism and keep the creativity. I love to cook, can and host. I have a lot of things in my kitchen and storage. I feel a lot better. The rest of my home is pretty minimal…so hosting is comfortable.
Amen TK on abundance and giving. I have debt and am working to get out of it, but i have a giving spirit, whether its time, treasure or talent, i will always give it freely....❤
My daughter did not go to dream school she went to where we could afford without debt. State school with some scholarship. The whole dream school is so ridiculous. Besides. All colleges let kids in the second semester when kids leave. It’s a business.
This really hit home with me. Where do i want to go? I'm good with debt, everything I buy I put on a credit card, and pay it off each month. My issue has been taking on jobs I thought would be a source of joy, helping people, enjoying the situation. This has not been my experience. I need to really soul search and find out where do I want to go.
Maybe I was just lucky but have never had debt, even when had nearly nothing. We always paid off our credit card bills from the start. We own our house, not the bank. Never bought more than we could afford. Could we be living in a more expensive house and property and buy more expensive cars, etc. etc.? Yes. But, there is a trade off as we have peace of mind not owing on anything. Our stuff does not own us.
I'm a minimalist in almost everything but 1 room in my home is just lego madness 😂 I believe to be minimalistic on almost everything besides those few things that really bring you happiness, lego and travelling for me.
24:50 "You don't have to be a millionaire to give." Amen, T.K. We don't have to wait until....to be generous TODAY. Don't wait for your neighbor or the owner of a corporation to fill the need. Your scale may be different but most of us can do SOMETHING to leave today better than yesterday.
Just reserved my tickets, thank you so much, your talks have changed my life for the better. I’ve gleaned so much insight and have made real tangible changes and I’m so glad for the opportunity to see you guys in person.
I really liked the episode and I relate A LOT to Noemie's note on how minimalism helped her connect to her intuition about purchases she makes :) I feel blessed and protected haha that i'm a minimalist and always question myself about things i want to purchase :) i now feel ok about purchasing things i like (even if i don't need them) because i know they add aesthetic/ emotional value to me and at the same time, i don't buy what I myself consider clutter and always allow myself some space to buy things i like and not beat myself up about it anymore.
Hey JFM & T.K., I wonder if you know George Kamel is not only a really great personality on the Ramsey Network, but he also makes pretty good music. Plays guitar and sings. Pretty good stuff too. His music is beautiful and intentional.
To answer the question: "how much debt did we pay off last year?" our answer is we paid off no debt. That is because in 2023 we had no debt. That was not always be the case, we had a ton of debt and used the debt snowball following the 7 Baby Steps to get that monkey off our backs. I understand Taylor's feelings about wasted time and money for past bad financial decisions. At the end of the day that is what happened to us, but we grabbed that tiger by the tail and here we are, debt free, living frugal and saving (setting aside for the future) way more money than we ever thought possible. What George is saying about debt, to avoid debt, pay off debt, live debt free is for many of us mortals the best path. It may or may not be true that I can leverage low interest debt for high interest investment returns there is a cost to everything and that cost for leveraged assets is stress. We then have to decide if the return on our stress investment is worth all that work.
This is great. Also DA and UA are great for folks who need support and a spiritual approach.... some folks need more than self willed change. Great episode.
My debt came from paying for childcare using a credit card last year during a period of making minimum wage, before benefits kicked in. It feels terrible after a lifetime of previously having excellent credit, and always paying the entire balance each month. I’m hoping I get a tax refund this year that allows me to pay it off entirely. Being charged $100 in interest every month for childcare my son received a year ago feels truly terrible.
I wish you a best. You seem like a parent who did the best you could at the time. Childcare is so expensive and its good that you spent on something as valuable as your child's well being.
Me- frugal, minimal, no debt besides mortgage and paying that down fast. Also me... bringing home a new $5 plant to slowly unintentionally kill every 3-4 months.
I'm so happy I made productive decisions about my finances that changed my life forever,hoping to retire next year.. Investment should always be on any creative man's heart for success in life
The first step in every successful investment is to establish your goals and risk tolerance, a task best undertaken with the assistance of a financial advisor with extensive financial market knowledge like Fergus Waylen
Wow. I'm a bit perplexed seeing him been mentioned here also Didn't know he has been good to so many people too this is wonderful, i'm in my fifth trade with him and it has been super
I don't want to put a figure to how much i've made doing that but let's just say it's more than enough to make trading worthwhile. And when i say worthwhile, i mean it.
I really want to get my life together. Really me and my family has been into series of hardship, we've faced a lot of trials and tribulations and my income is not just enough
This is all preaching to the choir for me so I do not necessarily learn a lot from it. However, I find this to be a highly entertaining podcast. It supports my moral beliefs and I always have a few good chuckles. Thank you all!
I'm a minimalist in almost everything but 1 room in my home is just lego madness I believe to be minimalistic on almost everything besides those few things that really bring you happiness, lego and travelling for me.
Minimalism and frugality CAN go hand and hand Frugality you don’t want to spend money and are content .Minimalism contentment with not many things so usually spend less money on things.
I love watching the Ramsey show. I love being a baby step millionaire even more. I am single income debt free no kids living in California on a clerk salary. I lived a minimalist lifestyle for years to achieve financial freedom and peace.
Here’s a quandary: it seems like people feel like they should be able to live wherever they want to, but that’s not a reality. Certain areas require a substantial income, like Newport Beach or Malibu. BUT, there are businesses in those communities that pay their employees the market rate, albeit an amount way below what’s required to live in that community, or even any neighboring community. So what do you do? Is reasonable that an employee should be able to afford to live within a reasonable commuting distance of their job? (I would say less than 30 minutes.) If so, how? If not, is it reasonable to expect an employee spend 3-4 hours a day in their commute?
So what about those of us that actually need more income due to poverty? I can budget all I want, but I'm still trying to juggle between being able to eat vs being able to keep a roof over my head. A lot of us go into mandatory debt because there's literally no other choice. I've realized that this podcast episode is not aimed at those of us with less privilege, but I'd love to hear an episode that is.
Interesting.. regret, resentment and debt seem to all have a correlation. If not careful, all can be poisonous and stifling to your choice of independence
I got rid of all my credit cards and my credit score tanked more than 100 points; but since I'm not needing to get a car or home loan, my demoted credit score, matters not
debt free on personal loans, no credit card debt, except for real state investment made on 2020, that has revenue going straight to a saving account, is set up to be paid off by the tenants in 13 years and not in 30 years, second real state investment is cash, no loans, took me 4 years to paid off 50k and saved 50k, making 55k per year, it took an effort to go from a spender to a saver and living below your means, now I just feel guilty/shame of buying things I didn't need in the past.
Buying sales is not necessarily frugal. A healthy desire for frugality, the intentional practice of prudent economy shouldn't result in overconsumption.
Good talk but DISAGREE on your definition of frugality. You described "cheap" not "frugal". Frugal is being intentional with your spending. Look at Ramit Sethi I Will Teach You To Be Rich - spend on what you love, spend as little as possible on the rest. Frugal people do spend money. Cheap people often save money at the expense of others. **You should have Ramit or some people from the FIRE community on your podcast.** I am frugal which allows me to do what I want, treat friends just for fun or because they couldn't otherwise join me in something such as a movie or even a trip, help my family in life. I LOVE TK's view that you don't have to be wealthy in order to be a giver and live a life of generosity. To some extent, my frugality allows me to be more generous. I agree that we all need to live within (or below) our means. Sadly, there are situations in which families truly can't make enough to pay for housing and food, and the usual advice of "increase income, decrease expenses" doesn't apply.
You can be debt free with savings, but a false civil lawsuit against you can take it all away in defense lawyer costs that they say will Never be reimbursed. When you sell a property, KEEP ALL CONTRACTS and all papers and everything, especially if you get divorced, make sure you get your own copy of everything and gather every document and search for all Discovery IMMEDIATELY. Do NOT wait for a lawyer to do it for you. You have to save yourself and you have to know what exactly is going on. Speed is essential.
Y’all blew the question out of proportion. The question was do you have a million dollars. Just answer, yes or no. This is why it’s hard for ppl to trust these things. Just answer the question.
14:02 i wish he stopped making that comparion! It makes him sound stupid! In italy you can buy a beautiful 4 story town house for 40k, higher education is free, health insurance is almost free! In switzerland, education is free, transportation is dirt cheep, health insurance leass than half of the US, minimum wage 27 chf an hour.examples of one the most corrupt worst run countries in EU and one of the most developed countries in the whole world😡
Sorry, frugal is not cheap. When you discuss hoarding thats cheap, collect crap, free stuff, whatever feeds and fills the void. But, frugalality is a different kind of intentionality, where you have decided what and how much you will spend money on and look for deals on those things with coupons,buy one get one etc. But, still NOT buying unnecessary things. Minimalism takes it one step further to thw question of...do I even need this in my life and does it add value. If not, I will not waste money, time or space on it.
How much debt have you paid off in the last year?
2 of 5 consumer debts paid. The debt Snowball remains 3 loans, but we are unstoppable, we plan to be free this year!
Thank you Ramsey team, thank you Minimalist team.
About $30k of debt paid off in the last year, following the Ramsey plan! Still on BS2
Close to $9500, we had 2 consumer debts, a small loan and a tax debt. so proud of us for finally making this a priority
I started paying off my student loans. I wasnt able to before because there wasnt enough money at the end of my paycheck.
But now im earning enough and I have been using some of the Ramsey plan and it gave me tje confidence to finally tackle this debt.
Thanks to all of you for talking about the possiblity of freeing ourselves from stuff and eliminating debt!
All of it….😁
I love TK's comment about living generously no matter how much you "have". Because you always have something to give. (minute 24). George - give a little until you can give a lot. It's a tool.
I love to, wish I knew how to follow him, lots of wisdom in his head and heart
It is amazing how freeing it is to be frugal, giving serious thought before each purchase. Whatever you call it, minimalism or frugality or something else, it just feels good to be careful about how I use my money.
I'm a senior and I have no debt, but my net worth probably isn't even 50k, but I am content with what I have and am living simply and enjoy life! I feel we spent worrying about whether we're going to be able to be a millionaire. Debt free, simple and contentment makes a happy life!
That's what I'm striving for
Right we feel bad if we aren't striving for millionaire status. Why is that
@@whyjustwhy2168because our shit government brainwashes us, no wonder we are not in the top 20 happiest countries in the planet
Because we are believing the lies of the advertisers and companies that have us mesmerized at their ads and creating these existential voids that didn’t existed before. These ads distract us from our personal and family goals and put us on a never ending quest for comparison with others, it’s foolish and the only thing that accomplishes is the feeling of dissatisfaction.
I almost broke my leg running to download TK's book. He has such a brilliant mind!
I’ve paid off all credit cards and have cut them all up. I am now paying off my home and building a share portfolio for retirement
👏👍🙌🙏😇 GOD BLESS YOU...AMEN!!!💪😉
Right on!!!!
Same here!
Did/ do you follow the baby steps?
I just invest in index funds
TK is very wise, he has some really great insights
24:29 Timestamping to back to T.K.’s words about giver mindset. Love it!
Love T.K's views. Always switches the narrative for thought.
Great advice from T.K. around minute 11:00 that can be applied in most situations where we beat ourselves up.
Committed to living a life of generosity TK that is a word. We all have something to give it’s all about perspective 👏🏾 👏🏾
TK is on fire with his insightful response to giving!!! Absolutely love it!!! 24:18
Working on paying off all our debt this year! Want it gone! It's my biggest form of clutter and it's definitely the most stressful! I started this journey 3 years ago with getting my house in order by decluttering, then I decided to declutter excess weight off my body, now I'm working on decluttering our debt. 😊
😊🎉Kudos to you! Keep on the good work. Feels great!
Creative energy: Your not getting rid of the collection, your letting it go to give someone else that joy that you felt when it was blessing you. Now it’s blessing someone else.
I appreciate the minimalize the minimalism and keep the creativity. I love to cook, can and host. I have a lot of things in my kitchen and storage. I feel a lot better. The rest of my home is pretty minimal…so hosting is comfortable.
Excellent, thoughtful and philosophic conversation.
Amen TK on abundance and giving. I have debt and am working to get out of it, but i have a giving spirit, whether its time, treasure or talent, i will always give it freely....❤
Loved this episode! The Minimalists + George Kamel = PREACH 🙌🏼
My daughter did not go to dream school she went to where we could afford without debt. State school with some scholarship. The whole dream school is so ridiculous. Besides. All colleges let kids in the second semester when kids leave. It’s a business.
This really hit home with me. Where do i want to go? I'm good with debt, everything I buy I put on a credit card, and pay it off each month. My issue has been taking on jobs I thought would be a source of joy, helping people, enjoying the situation. This has not been my experience. I need to really soul search and find out where do I want to go.
I have no debt, our home is paid for.
Regret- something to avoid in the future! And what to move on to. Love this.
Maybe I was just lucky but have never had debt, even when had nearly nothing. We always paid off our credit card bills from the start. We own our house, not the bank. Never bought more than we could afford. Could we be living in a more expensive house and property and buy more expensive cars, etc. etc.? Yes. But, there is a trade off as we have peace of mind not owing on anything. Our stuff does not own us.
I am totally with you. You have gotten the golden rule! Live within your means and don’t try to keep up with the ‘Jones’.
I'm a minimalist in almost everything but 1 room in my home is just lego madness 😂 I believe to be minimalistic on almost everything besides those few things that really bring you happiness, lego and travelling for me.
Yes Lego for me too and I hardly buy anything else🤣
24:50 "You don't have to be a millionaire to give." Amen, T.K. We don't have to wait until....to be generous TODAY. Don't wait for your neighbor or the owner of a corporation to fill the need. Your scale may be different but most of us can do SOMETHING to leave today better than yesterday.
Just reserved my tickets, thank you so much, your talks have changed my life for the better. I’ve gleaned so much insight and have made real tangible changes and I’m so glad for the opportunity to see you guys in person.
I really liked the episode and I relate A LOT to Noemie's note on how minimalism helped her connect to her intuition about purchases she makes :) I feel blessed and protected haha that i'm a minimalist and always question myself about things i want to purchase :) i now feel ok about purchasing things i like (even if i don't need them) because i know they add aesthetic/ emotional value to me and at the same time, i don't buy what I myself consider clutter and always allow myself some space to buy things i like and not beat myself up about it anymore.
TK is very insightful. Enjoyed this episode
I paid $2,400 in interest in 2023….. nothing off the principal 😳 but 2024 & 2025 are gonna be my getting outta debt years!
This is the best episode I have seen. Thank you!
Hey JFM & T.K., I wonder if you know George Kamel is not only a really great personality on the Ramsey Network, but he also makes pretty good music. Plays guitar and sings. Pretty good stuff too. His music is beautiful and intentional.
I'll definitely check out the Emotional Clutter!
Excellent insights from all thank you George, T.K and Joshua.
Omg ❤❤❤ George Kamel on The Minimalists!! Am such a fun of both of you
To answer the question: "how much debt did we pay off last year?" our answer is we paid off no debt. That is because in 2023 we had no debt. That was not always be the case, we had a ton of debt and used the debt snowball following the 7 Baby Steps to get that monkey off our backs.
I understand Taylor's feelings about wasted time and money for past bad financial decisions. At the end of the day that is what happened to us, but we grabbed that tiger by the tail and here we are, debt free, living frugal and saving (setting aside for the future) way more money than we ever thought possible.
What George is saying about debt, to avoid debt, pay off debt, live debt free is for many of us mortals the best path. It may or may not be true that I can leverage low interest debt for high interest investment returns there is a cost to everything and that cost for leveraged assets is stress. We then have to decide if the return on our stress investment is worth all that work.
Love your podcasts - but sorry the laughter in the background seems over the top
The laughing is so annoying!!!!
I love the laughter
This is great. Also DA and UA are great for folks who need support and a spiritual approach.... some folks need more than self willed change. Great episode.
TK you are my hero!!! 🖤🌞🙏🏽
The lack of disconnect of the struggles of living month to month for people whose rents just continues to increase, it’s fucking disgusting,
My debt came from paying for childcare using a credit card last year during a period of making minimum wage, before benefits kicked in. It feels terrible after a lifetime of previously having excellent credit, and always paying the entire balance each month. I’m hoping I get a tax refund this year that allows me to pay it off entirely. Being charged $100 in interest every month for childcare my son received a year ago feels truly terrible.
I wish you a best. You seem like a parent who did the best you could at the time. Childcare is so expensive and its good that you spent on something as valuable as your child's well being.
That's a very true, thoughtful and kind response Jennifer 😊
Me- frugal, minimal, no debt besides mortgage and paying that down fast. Also me... bringing home a new $5 plant to slowly unintentionally kill every 3-4 months.
Didn't realize Denzel entered the chat. Love the look, TK!
Loving your channel, meaning you all
I'm so happy I made productive decisions about my finances that changed my life forever,hoping to retire next year.. Investment should always be on any creative man's heart for success in life
The first step in every successful investment is to establish your goals and risk tolerance, a task best undertaken with the assistance of a financial advisor with extensive financial market knowledge like Fergus Waylen
Wow. I'm a bit perplexed seeing him been mentioned here also Didn't know he has been good to so many people too this is wonderful, i'm in my fifth trade with him and it has been super
YES!!! That's exactly his name (Fergus Waylen) so many people have recommended highly about him and am just starting with him from Brisbane Australia
I don't want to put a figure to how much i've made doing that but let's just say it's more than enough to make trading worthwhile. And when i say worthwhile, i mean it.
I really want to get my life together. Really me and my family has been into series of hardship, we've faced a lot of trials and tribulations and my income is not just enough
Appreciate how u avoid advertisements and paid promotions. Did george also chant “advertisements suck”?
This is all preaching to the choir for me so I do not necessarily learn a lot from it. However, I find this to be a highly entertaining podcast. It supports my moral beliefs and I always have a few good chuckles. Thank you all!
The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness by Morgan Housel
I'm a minimalist in almost everything but 1 room in my home is just lego madness I believe to be minimalistic on almost everything besides those few things that really bring you happiness, lego and travelling for me.
There is a reason it is named "LEGO"....you are meant to Le' go of it ;)
The laughing of the woman is completely exaggerate
I liked this episode a lot!
Thank you for another great video
Can I know the name of the song at the end of your videos, please.
Great video❤
Great video!
Distracted by the loud laughter in the background. If that's a laughtrack please lower the volume.
It is too loud and detracts. Turn off your mile mAlabama
T.K ❤❤❤❤ big thank you from Belarus
He used the debt snowball that Dave Ramsey recommends. It is very helpful
Extremely
Minimalism and frugality CAN go hand and hand Frugality you don’t want to spend money and are content .Minimalism contentment with not many things so usually spend less money on things.
I love watching the Ramsey show. I love being a baby step millionaire even more. I am single income debt free no kids living in California on a clerk salary. I lived a minimalist lifestyle for years to achieve financial freedom and peace.
The gal's laugh in the background 🤣🤣
Listen to the Ramsey show and you will get all the baby steps you need 🤔😉😃👍 in life 😃
Here’s a quandary: it seems like people feel like they should be able to live wherever they want to, but that’s not a reality. Certain areas require a substantial income, like Newport Beach or Malibu. BUT, there are businesses in those communities that pay their employees the market rate, albeit an amount way below what’s required to live in that community, or even any neighboring community.
So what do you do?
Is reasonable that an employee should be able to afford to live within a reasonable commuting distance of their job? (I would say less than 30 minutes.) If so, how?
If not, is it reasonable to expect an employee spend 3-4 hours a day in their commute?
So what about those of us that actually need more income due to poverty? I can budget all I want, but I'm still trying to juggle between being able to eat vs being able to keep a roof over my head. A lot of us go into mandatory debt because there's literally no other choice. I've realized that this podcast episode is not aimed at those of us with less privilege, but I'd love to hear an episode that is.
Interesting.. regret, resentment and debt seem to all have a correlation. If not careful, all can be poisonous and stifling to your choice of independence
I got rid of all my credit cards and my credit score tanked more than 100 points; but since I'm not needing to get a car or home loan, my demoted credit score, matters not
debt free on personal loans, no credit card debt, except for real state investment made on 2020, that has revenue going straight to a saving account, is set up to be paid off by the tenants in 13 years and not in 30 years, second real state investment is cash, no loans, took me 4 years to paid off 50k and saved 50k, making 55k per year, it took an effort to go from a spender to a saver and living below your means, now I just feel guilty/shame of buying things I didn't need in the past.
I wish you could help me do that. Sounds great.
How do you bring yourself to get rid of stuff a deceased parent gave you that you don’t need without feeling guilty?
Buying sales is not necessarily frugal. A healthy desire for frugality, the intentional practice of prudent economy shouldn't result in overconsumption.
Good talk but DISAGREE on your definition of frugality. You described "cheap" not "frugal". Frugal is being intentional with your spending. Look at Ramit Sethi I Will Teach You To Be Rich - spend on what you love, spend as little as possible on the rest. Frugal people do spend money. Cheap people often save money at the expense of others. **You should have Ramit or some people from the FIRE community on your podcast.** I am frugal which allows me to do what I want, treat friends just for fun or because they couldn't otherwise join me in something such as a movie or even a trip, help my family in life. I LOVE TK's view that you don't have to be wealthy in order to be a giver and live a life of generosity. To some extent, my frugality allows me to be more generous. I agree that we all need to live within (or below) our means. Sadly, there are situations in which families truly can't make enough to pay for housing and food, and the usual advice of "increase income, decrease expenses" doesn't apply.
Agreed, being frugal (wise and intentional with money) shouldn’t be confused with being cheap (hoarding money at all other costs).
My dad was frugal and a hoarder lol
I had to turn this off even though I was enjoying what they were saying because the woman laughing in the background was making my skin crawl.
You can be debt free with savings, but a false civil lawsuit against you can take it all away in defense lawyer costs that they say will Never be reimbursed. When you sell a property, KEEP ALL CONTRACTS and all papers and everything, especially if you get divorced, make sure you get your own copy of everything and gather every document and search for all Discovery IMMEDIATELY. Do NOT wait for a lawyer to do it for you. You have to save yourself and you have to know what exactly is going on. Speed is essential.
Y’all blew the question out of proportion. The question was do you have a million dollars. Just answer, yes or no. This is why it’s hard for ppl to trust these things. Just answer the question.
Love you guys! Joshua reminds me of Beavo on Instagram, but with great teeth and hair
I stopped being broke by acting broke. Ask yourself if you really need to buy it, most of the time the answer was no.
Its crazy that millions of students have debt but student athletes now have nil deals…… they’re basically millionaires right out of high school…..
The LEGO people are called Minifigures
Are you guys sponsored by Ramsey ??? I’m confused
Omg - you guys partnered with Ramsey !!!! Nooooooooooooo 😫 ugh totally ruined it for me.
Anybody that you see regularly on the internet is probably a millionaire. That should surprise noone though. I don't think it matters much.
I’m not a Patreon subscriber 😂
I love this podcast but that chick laughing in the background makes me not want to listen sometimes. It sounds forced and fake
Why the callers questions sound like professional voiceover artists reading a script? If i’m mistaken i apologize.
Why do i feel bad if i don't have a business or striving to be a millionaire?? Why can't i just be
🤯
Great message but HAHAHAHA!!!
14:02 i wish he stopped making that comparion! It makes him sound stupid! In italy you can buy a beautiful 4 story town house for 40k, higher education is free, health insurance is almost free! In switzerland, education is free, transportation is dirt cheep, health insurance leass than half of the US, minimum wage 27 chf an hour.examples of one the most corrupt worst run countries in EU and one of the most developed countries in the whole world😡
The annoying woman’s laughter in the background 😣
Why do the staff you cant see laugh louder than the people speaking? 🤔
Why in all your podcasts you talk way more than your guests?
JFM, so what do you drive nowadays?
Sorry, frugal is not cheap. When you discuss hoarding thats cheap, collect crap, free stuff, whatever feeds and fills the void. But, frugalality is a different kind of intentionality, where you have decided what and how much you will spend money on and look for deals on those things with coupons,buy one get one etc. But, still NOT buying unnecessary things. Minimalism takes it one step further to thw question of...do I even need this in my life and does it add value. If not, I will not waste money, time or space on it.
Lose the "laugh"...it is hideous!
iam building an emergency fund....
As a minimalist I will not be buying your guests book. Plus Dave Ramsey SUCKS