Setting The Record Straight About Dave Ramsey | Anthony ONeal
ฝัง
- เผยแพร่เมื่อ 19 พ.ย. 2023
- On this episode of The Table, Anthony sets the record straight debunking the misconception that Dave Ramsey's financial advice is not for minorities. AO emphasizes the universal benefits of debt freedom. Anthony is dismantling myths and highlighting the shared journey towards financial wellness. Join us in reshaping the narrative around personal finance and understanding its universal impact on lives, regardless of race or ethnicity!
👕 RE:Definition Merch Line: www.anthonyoneal.com/re-defin...
Mentioned On Today's Show:
*This show is sponsored and brought to you by Better Help!*
🤝 Better Help: www.betterhelp.com/ao
💲Wealth Builder Tool: www.anthonyoneal.com/wealthbu...
📗 The Ultimate Guide To Debt Payoff: www.anthonyoneal.com/free-too...
⛪️ My Devotional on The Bible App: rb.gy/89fh0
Checkout My Network Partners:
🤝 Bethel Tech: www.anthonyoneal.com/Bethel
🤝 Better Help: www.betterhelp.com/ao
🤝 Chime: www.chime.com/ttao
🤝 Course Careers: www.anthonyoneal.com/bootcampcc
🤝 Ethos Life Insurance: anthonyoneal.com/lifeinsurance
FREE Webinar:
💻 The Personal Brand Masterclass: anthonyoneal.com/masterclass
⛪️ My Devotional on The Bible App: rb.gy/89fh0
👥 Join The Table (Money Makeover): www.anthonyoneal.com/jointhet...
RECOMMENDED Reading
📔 Debt Free Degree: amzn.to/3jA8GfR
📓 Destroy Your Student Loan Debt: amzn.to/3uG5wNQ
📓 Essentialism: The Disciplined Pursuit of Less: amzn.to/37iUUf1
📘 The Ruthless Elimination of Hurry: amzn.to/3uEiKdW
🎙 Listen to the show
iTunes: apple.co/2Wb2FhG
Spotify: open.spotify.com/show/1DnGlzL...
🎵 Intro: "The Table - Evan Ford, itsevanford... / evan-ford "
GET IN TOUCH
🌍 My website - www.AnthonyONeal.com
🌍 Advertise With Me - partnership@anthonyoneal.com
Connect with Me!
Instagram: @anthonyoneal
Facebook: @anthonyoneal
Who I AM:
Hey, fam! I’m Anthony and I’m here to help you discover your authentic self and achieve spiritual, financial, and mental freedom. I know what it’s like to be in debt and homeless - I’ve been there. But with the grace of God, I was able to turn my life around and I’m now helping others to do the same.
Join me on my TH-cam channel and let’s start this journey together. I’ll share my experiences, tips, and tools to help you achieve success and become debt-free. Plus, you can follow me on Instagram @AnthonyONeal and visit anthonyoneal.com for more resources and help.
Subscribe now and join the AO fam! Let’s get to it!
Have A Questions You Would Like Asked On The Show:
Tweet me @anthonyoneal or email me at anthony@anthonyoneal.com. If your question is long, I might not read it, just being honest. 😁
Disclaimer: Some of these links are affiliate links, which means I may get a commission if you purchase. However, none of the fees of these resources have been increased to compensate me. In fact, many of these have given me special discounts that I get to extend to you! 😉
AnthonyONeal DaveRamsey
Join the movement: 👕 RE:Definition Merch Line: www.anthonyoneal.com/re-definition
)
I went through Dave Ramsey 7 baby steps and it helped me tremendously I am now debt-free I owe no man. I had 53,000 in hospital debt and because I followed the plan I am now debt free. And all I can say is thank you Lord for people like Dave Ramsey who shares their knowledge on how to manage finances so that other people can Thrive the way they do.
You are freaking hitting me on the head with your message and the bible..............--- soo scary....
what a pos can't learn from a white man
listen to someone who has affairs
Dave Ramsey teaches financial literacy. It has nothing to do with race.
100% agreed.
True 💯👍
Thank u. It just sounds like the lady don’t kno how to do general budgeting.😅
Why does it take DAVE RAMSEY for people to suddenly have common sense?
@@raygordonteacheschess5501 Better now than never.
I’m a 63 year old black male and I bought Dave Ramsey book and went through the baby steps and it worked from me. I’m debt free and I owe no one except my mortgage payment. Dave’s program will work for anyone who wants to do the work.
Thank you. It works if you work it. There are a LOT of conversations to be had.
exactly. I read Dave's book too.
Exactly!!!!!
@beesknees213 my brothers and sisters always look to blame someone else for their life decision failure. I use Dave Ramsey's baby steps to get out of debt and have a huge savings account. This is simple, just stop spending money you don't have in junk and stop trying to keep up with the Jones, and you will have a saving. The majority of people have a lot of unnecessary stuff to show people they have a lavish style such as a cable bill. I stopped buying junk since 2007 and now save up to 250k plus dollars in my savings account, plus I own my house 🏠.
It does not matter about the ethnicity, it will work and I am on my way to being debt free. Thanks.
African American single Mom here. Paid off $204,347.73 in debt in 25 months. Now we are living in the Vision. The Baby Steps worked for me. Being a good steward of money is not black or white. It’s common sense. 🙌🏾
And it’s biblical. 🫶🏾🫶🏾
Amen!!
Great jobs , What is your income?
I agree you do what you put your mind to Amen sister amen 🙏🏾 how much do you make a year ? If you don’t mind answering
I'm 43, followed the baby steps....did it a little out of order, but I did it. I'm black, I'm debt free 4 years ago, don't owe nobody...mortgage paid off. Did all that with a child and making under 50k. Takes discipline and to not listen to these young tik tokers. I wanted to live like no one else....thanks to Dave...I am! I'm never going in debt again.
COME ON GIRL👏🏽👏🏽👏🏽YAASSS
Amen. You are 💯 spot on.
Love this!
The peace of mind that you (we all) get from not having the yoke of debt on our back is a beautiful feeling. I get an overwhelming sense of peace in my life now. I am not rich by the way. I understand people of wealth use debt to generate wealth, but people that DO NOT have wealth pushing agendas is something I avoid like the plague. Now it's time that we set new goals, health goals and financial goals. Much love, health and happiness to you and your family. May God Bless your journey, every step...
Love it!
I’m a black millionaire on paper and I want to say thanks to Dave Ramsey for the teachings.
That’s powerful!
On paper is where it counts!! Congratulations!
Wow that’s impressive. Your ancestors would be so proud of what you have achieved.
Lemme hold 10 dollars
@@matthewrobinson5403I'll take 50. A millionaire can spot that.
I'm Latino, a first-generation immigrant and grew up dirt poor. Grew up in a third world country and in this country, in the inner city. Dave Ramsey helped me become financially literate, and his structured system made the most sense to me. I'm less than two yrs away from paying off my house and about 3 yrs from being a millionaire.
Goood job. African here (but my family back home was well off). I am self made millionaire and will pay off family house in 2024. Thanks to Dave and youtube academy
Good for you paisa 👍
@@Anonyme67your family being well off doesn't make you self made unless you didn't use a dime from them. Ijs
@@jenniferwilliams6494 I am a self made my dear. My father’s money has helped for sure. But my millionaire status is 95% my work and of course the cornerstone of my success is the education my father gave me.
I love this story! Si se puede!! My wife is a first-gen Latina and grew up as a migrant farm worker living in extreme poverty. She was able to graduate from college (the first in her family) and we have successfully followed Dave Ramsey's baby steps and are on baby steps 4-6! Working on paying off our house asap!
I’m Nigerian living in Canada and Dave Ramsey teachings got me out of debt. Paid my school loan, car loan and credit cards in 13months . I felt abundant and free afterwards.
Good job, hope you reach step 7 sooner rather than later. 👍👏
Congratulations Sis!
Congratulations dear
🙌
He always says “ get out of debt SO THAT you can change your family tree” aka be the first to create generational wealth in your family
I found Dave Ramsey 20 years ago. I was 30 (hubby 34) and we had 2 small kids. Now I’m 50 (hubby 54). We’re completely debt free ( mortgage too), retirement and investments look great and those two kids both graduate May of 2024 (son with masters degree/24 and daughter with her undergrad/22) debt free too. We both plan to retire 2027 when the last one goes off to college (yeah we had another one with our old selves😊). Her college is taken care of as well. So yes, that Godly white mans baby steps worked for this black family of 5.
I love you story. ❤❤❤❤ How old is your youngest?
This makes me happy to see :) yall are amazing!
Well done!!
Excellent thanks for sharing! Baby steps do work if you commit to them.
Dave principle works for my family too. 41 and debt free.
Dave's no-fluff straight shooter, stop being a victim style resonated with me as a veteran. He's the reason I started my debt free journey and paid off $33K.
Dave’s plays the victim himself when it fits him
Thank you for your service and I'm glad you're moving forward in your debt free journey. Be blessed.
I never heard Him speak like that.@@George-hl2xm
How long did it take you pay off that 33k?
I agree. People get upset because of his approach. Doesn't change the need to discard the debt.
I'm a 51yrs old black man and I first heard of Dave Ramsey in 2004, when my pastor offered the class to our entire church family that wanted to take a proactive approach to financial literary from a biblical perspective. I promise if you practice it with discipline, it will 100% change you and your families live.
My husband is white but raised by two blind parents on welfare. I can’t speak to the black community but I can say that as a person born into poverty and had absolutely nothing, Dave’s principles work.
The person that doesn't think the Baby Steps work for Black people hasn't watched the ton of debt free screams of Black families featured on Dave Ramsey's show.
Exactly!
Bingo
Ya got that right!! I have no personal debt which has allowed me to leave my job and open my own business. One business truck to pay off and the business will be debt free as well!
Exactly. I'm debt free because of Dave Ramsey. Black people are always looking for clout and views now, blaming Dave Ramsey for their life decisions failure. This is simple, just stop spending money you don't have in junk and stop trying to keep up with the Jones, and you will have a saving. The majority of people have a lot of unnecessary stuff to show people they have a lavish style such as a cable bill. I stopped buying junk since 2007 and now save up to 250k plus dollars in my savings account, plus I own my house 🏠.
💯
5 months ago I was watching Dave Ramsey on TH-cam, I was almost 11k in consumer debt. I took his advice and did a budget, saved my 1k emergency fund and now I have 3k left to pay which will be paid off before the end of this year. For the first time since I was 18, i will be debt free. ❤
🙌🏾
That’s incredible. Very well done! Now let’s see where you’re at by the end of 2024!!
awesome man! you got this!
Keep going throw it all at it
congrats Champ!!
I´m Mexican currently living in Mexico. Found Dave Ramsey before Covid hit. Now I´m finally debt free and I feel so blessed! Payed off all the pesos I owed the Bank and serveral department stores. So Even in a different country and currency..The baby steps really do work.
👏👍 hard was it?
People get sick of me talking baby steps but don't mind asking me for a loan. Listening to Dave changed my whole mindset, I was making 12.50 an hour with 3 kids in college. Worked so much overtime and stayed on budget which made that 12.50 look like I was making triple my salary.
Doing what needed to be done. Great Job!!
Get it young lady! 👏
Wow, what did you do? How did you pull that off?
How did you make that happen?
@@DonteDashSmith I worked so much overtime which my job allowed. I'm not a shopper and did my own nails and hair. Kept my utilities low, no cable and no eating out.
I'm a 45 year old black man. I took a dave ramsey course in 2006 at FT. Campbell, and it changed my life. I went thru a divorce in 2007, and after losing %30 % of my income to my ex, I returned to Mr. Ramsey's teaching just to survive. The teachings of Mr. Ramsey helped me to go from poverty to the suburbs with some money and a future for my new wife and 4 kids. Im home every day, and I'm able to watch my kids grow with all their college taken care of. It's not about the color of the person but the messages they share with others.
You are a Rockstar!! 👍👍
Impressive!! Going through divorce and finally I'm stepping up to take care of financial burden. Where do you find this Dave Ramsey's course?
Ramsey solutions
Every dollar
Financial peace university course
Did you have children with your ex?
Financial wisdom is universal, it is not limited to a certain race or skin colour. Once people get rid of the victim mentality, they can actually start to see change.
We totally agree!
🎯 💯 we attack the same issue the same way regardless of race. For example if we need to increase our income black or white it’s possible. You get a side job or look for a higher paying position. Though wealth inequality is real we can’t let that hinder our very tangible resources.
Who here is acting like a victim?
Exactly, brother. My brothers and sisters always look to blame someone else for their life decision failure. I use Dave Ramsey's baby steps to get out of debt and have a huge savings account. This is simple, just stop spending money you don't have in junk and stop trying to keep up with the Jones, and you will have a saving. The majority of people have a lot of unnecessary stuff to show people they have a lavish style such as a cable bill. I stopped buying junk in 2007 and now save up to 250k plus dollars in my savings account, plus I own my house 🏠.
The well to draw from is different between races because of history.
I am a black woman. have gotten the book, used the baby steps, and gotten out of debt. I have paid off for my home. I now can help others if needed. It was NOT easy. I worked 2 jobs. I stopped eating out. I read Proverbs and asked God for wisdom daily as I went through my day, helping me to make decisions along the way. I believe that if you have the will, God makes a way.
AMEN KM!
GREAT WORK!!! So very happy for you!!!!
Amen❤ I'm glad to have come across this. I recently started the 2 job thing and I can admit it's really hard. But I want to be free and set myself up financially.
❤❤❤
Shalom, My husband and I are 61 and 70 respectively ....We were not raised having financial knowledge.....
We bought Total Money Make over and are following the BS. We are debt free except our home and have paid off 50% (265k) of our Mortgage in 4 yrs. (Bought home in 2020)
Dave Ramsey Provided the tools, however The Most High God made it All Possible for Us......Lots of Prayer, sacrifice and Hard work!!!
What I like about Dave and his principals are that IT DOESN’T MATTER YOUR RACE, COLOR, none of that. The steps work. It’s not easy but the teachings take time and they work.
I actually had a family member say “you gon listen to some old rich white man tell you how to manage your money?” Uhh yea lol. 3 years later, I was debt free, able to buy a car with cash, purchase a home and take the summer off from work to get all moved in. The baby steps work.
Congratulations! I know that feels AMAZING!!!
Thanks! 🙏🏾
Good for you for breaking that generational mentality
Thank you for sharing your testimony!!😁😁😁
Congratulations! It's funny how some broke people always find ways to try to pull you down when you want to grow and do better. I don't know you but I'm proud of you.
They worked well for me. Took me 4 years, making 40k a year. Single parent of an elementary aged kid. Living on my own in an apartment. I don't like everything about Ramsey, but he got it when it comes to getting out of debt. 🤷🏾♀️
I agree. I am now debtfree.
I agree. Because of his teachings, I have 1 more truck note. Next is my ……… let me think about that.
You have kids … your income has subsidy … you get a refund on your taxes paid & subsidy throughout the year …
There's always something that's missing
@@solonia7355
Please explain. Are you assuming she get help. Refund tax for two children is 2,000. Now that not a lot for a single mom not on welfare cause she is working and had to pay for childcare which is more than 2000 refund she got back. Not including every six months she has to purchase clothing for her growing children. FYI secondhand clothing is not cheap . To be honest same cost as Walmart 😮. Don’t include sneakers and boots…..
Keep it real if she lives in NJ she is not getting any help and no snap or discount much cause she makes over a certain amount. Each state has their own poverty threshold.
I am proud of how she was able to get out of debt. 🎉🎉🎉🎉🎉
Living below your means is key!!!! Our spending is out of control.
I’m a 53-year-old, black female, and currently on baby step six “pay off your mortgage early.“ I retired early and am living my life. It works people!
Yes, it does.
I'm Asian American and my family escaped Vietnam to come here with nothing. I grew up in poverty and Dave Ramsey has helped me tremendously. His teachings work and is not just for one ethnicity.
The baby steps are not based on being black or white… I am a young black male (25) and I payed off all of my credit card debt this year ($3,500) and managed to save 2k+ in an emergency fund.. I don’t have any kids bc I know I am not prepared too and chose not to put myself in positions where that would be possible. It’s not about race it’s about making good decisions and planning. Even the bible speaks on that.. Thanks AO for your lessons 🙏🏽
Amen ❤
🥳Good job!!! Do not succumb to the Joneses, peer pressure or must have what your neighbor have, stay focused the devil will surface and cause you to take a detour, stay strong and carry on ✊🏽👍🏽
@Prod.By.Barcari You are very wise and I agree with every word you just said 1,000%. You are spot on...(and yes, I am a black woman agreeing because everyone needs to realize that the Baby steps are not based on race at all.)
@@girlygirl1890 Thank you! That is so true.. At some point our people (not saying all of us) have to stop making everything about race and focus on ourselves and our choices 🤷🏽♂️💯We are living in a time in American history where ANYBODY can become wealthy and successful no matter their complexion..
Amen, Praise the Lord, a young man with Godly wisdom. Blessings and peace to you Sir. 🙏🏽
Thanks to Dave Ramsey my black husband and I are 100% debt free including home. We could comfortably retire at 55 but we won’t. It took us 20yrs. We never took out student loans because we worked our way thru college. I worked in a laboratory and he worked at every Fast food restaurant known to man. We got practical degrees that had us employed before we even graduated. It’s true we lived at poverty level but we didn’t need to look rich. We focused on becoming financially independent. Our average combined salary was $50k. We think the greatest gift we gave our child was learning to live at poverty level and still having a great life. The ability to maintain a $1000 emergency is absolutely the biggest step!! Thank you for the encouraging video!!
I am a 31 year old black woman and I am going through the baby steps now and it is working for me! I have my 1000 saved, and have paid off all my $5000 credit card debt currently paying off my student loans which started at around $162,000 now at $156,000 since starting in August. And I make under 6 six figures but close to it!! I have had to use my emergency fund one time for a tire and it was $300 tire and wheel replacement which I was able to put back in doing a little bit of side hustling!
I do agree that you have to increase your income to help during this process of paying off debt.
You go Sis!!!😁😁😁
He says that is having a bigger shovel.
NICE WORK! Keep up the good job you're doing and aiming for. GOD bless you on your journey to financial freedom !!!
As a single parent, with no financial support from co parent, the baby steps have afforded me to finally have an emergency fund, pay off my car in 2020, establish a will and trust (thanks to AO’s message last fall), and working on paying off my remaining school debt. God is good all the time and I appreciate Dave Ramsey and AO’s teams for educating our community in an attainable way.
EXACTLY
That’s right. Attainable. When I read his home buying plan with manual underwriting, I was done. NO ONE who follows his plan for buying a home would denied. Period.
Do you get child support?
@@roolyfeshe answers that in the very first sentence
@@roolyfeshe answers that in the very first sentence
I'm black and it totally worked for my family. 40 yr old nurse marries to an engineer. 2 kids. No debt and paid off house by 39! In baby step 7. Living like no one else because for 10 years we lived like no one else. We cut all expenses and lived on less than 1 income.
I am at a stage now that I am traveling in my late 50 ‘s Still have some debts will pay it off at the end of the year. But one thing I am not doing is buying clothes and eating out.
🏆
I'm African American Followed Dave Ramsey and paid off house about a year ago.
It worked for me and my wife.
I’m a 47 yr old white woman who is happy to have found you post DR & happily subscribed. We all need to learn from one another & together!
I'm a 57yo black male, I've just retired. I own my home and I'm dedt free. I've been listening to Dave Ramsey for two decades now. I've gone through many life changing events and because of the dedt free doctrine I have survived and I have thrived. I'm truly bless. You can learn from anyone no matter what color they are. You just need to be willing to learn.
Congratulations on your retirement. I retired last week at 56. I agree people can learn from anyone who is knowledgeable and competent. While Ramsey's philosophy does yield results many of my clients wanted a more secular nonabrasive messenger so I recommended my clients check out the Money Guys and their financial order of operations which is similar in principle to Ramsey's baby steps. Basically, people follow personalities that resonate with them.
I don't take anything Mr. O'neal or Mr. Ramsey says as gospel. I use their wisdom as guidelines. It has helped me tremendously.
Isn't that how it's supposed to be? You have to adjust it for your particular situation.
I do the same. Not everyone has the means or are in the same position to pay off their debt in the same amount of time. I use the tips and wisdom like you said.
I totally agree! I don't even take anyone information for the Gospel because they are not God! LOL
There is a reason it's called "personal" finance.
Perfectly Stated!!!
I’M an old white guy. Love you Anthony. Miss you on the Ramsey platform. Glad you are doing well and helping people. God bless you!
Can I tell my story? I will tell my story. Grew up one of seven, all we knew was poverty. Focused on school, missed some meals, mental health wasn’t great. Joined army and somehow things got worse over time. I’m now on baby step number two making money I never knew I would make, and STILL LEARNING. Keep learning yall. I’m a Hispanic first generation man at 31 finally finishing his bachelors. It can be done. Focus up.
I’m a black single mother and Dave Ramsey’s shows, books, and personalities changed my mind and life. They helped me get through the pandemic with a new mindset on how to make it financially and hold on to my stimulus check instead of blowing it.
I will also say everyone that he is helping does not have inherited wealth. A lot of the white callers are having financial problems that haven’t inherited a dime.
Facts!
Facts!!!!
Exactly. I'm debt free because of Dave Ramsey. Black people are always looking for clout and views now, blaming Dave Ramsey for their life decisions failure. This is simple, just stop spending money you don't have in junk and stop trying to keep up with the Jones, and you will have a saving. The majority of people have a lot of unnecessary stuff to show people they have a lavish style such as a cable bill. I stopped buying junk since 2007 and now save up to 250k plus dollars in my savings account, plus I own my house 🏠.
Facts facts and guess what, more facts!
Somebody already said facts lol
I am hispanic with mexico born parents, i was born in CA and faced prejudice and generational poverty too. I found Ramsey a few years ago, and it changed my life. I showed my mother Ramsey, and it is helping her to retire with money and a paid off townhome. People make excuses to create division like that woman. I was born into severe poverty and was able to escape.
Dave has books in Spanish if you have friends and relatives that are interested. I give them away as often as I can. Cheap on eBay
I’m a Native American who is blind and went through the Dave Ramsey baby steps as well and it helped me where I was struggling! This video was inspiring just the way you delivered the message!
👏
65 year old white male love your teaching and Dave Ramsey teachings you guys have helped out so much
At 42, I've come to realize that money is a tool. I’ve worked so hard over the years to realize that if you don’t make money work for you, you can’t experience true freedom. I’m glad I found that out although it was later in life, but that marked the turning point in my finances.
I'm in my mid 30’s. Once I get paid, I begin to spend on irrelevant things. I work hard for my money, so I believe I can spend it on what I like. The older I get, the more my perspective shifts. I want to take my finances into consideration and put myself in order before it's too late. How are you doing it, Sir?
Herman Jonas is the brain behind my success. I've gotten into a plethora of assets with $43k spread across stocks (options and futures) for the short term and Roth IRA, index funds, and ETFs, for the long term. Now I sit back, and just reinvest at intervals while I handle my other businesses.
Do not forget that when it comes to the stock market, prices can be erratic, rising and declining quickly, often in relation to companies' policies, which individual investors do not influence.
Herman has consistently proven himself to be an exemplary fiduciary in every aspect. His clear understanding of his fiduciary responsibilities and unwavering commitment to transparency and professionalism set him apart. Over the past two years, he has consistently exceeded my expectations, all while ensuring that risk is carefully managed in accordance with each my risk tolerance.
If most of us are truly honest with ourselves we are not living within our means and we’re not doing right by our money consistently.
Speaking FACTS!!!!!
Facts
This!
When the COVID 19 came three years ago and Biden gave out the stimulus check my brother told me he had a friend working at the mall and when some Black people came to the mall they were spending lavishly on Gucci Prada and expensive designer clothes. Some of us have the money but don’t know how to save.
@@donnaroberts4513some just want to look good to others that aren’t even paying attention to them
I am black and have been a huge Ramsey fan for years.. followed you after you left.. LOVE how respectful you have been and God honoring.. AND this is such a needed subject inthis space especially with the way society is today. PREACH bro! And may God prosper all you do! You are spittin FACTS!
❤
I started this during COVID and it was a life changer! Now that I have paid off everything, and have saved the most money I have ever saved in my life! I am free indeed 🙌🏾
Well we call him Uncle Dave over here. His teachings set us leaps and bounds ahead and we are forever thankful.
I was in a bad situation with money in 2018. Started searching TH-cam for help and came across one of Dave’s videos. Let’s just say I am in a much better financial situation since learning about the baby steps. It’s not about color, it’s about making smarter decisions with your money. We have to let go of the victim mentality.
I’m Mexican American, grew up in poverty and my parents didn’t finish elementary school. Been working the Ramsey plan and will be a baby steps millionaire in the next 5 years. My wife and I host financial peace university at our Spanish speaking church and many members have gone thru the course and have turned their financial mindset around.
I just turned 25, and already paid off 100% of my student loan debt thanks to Dave Ramsey (Chris Hogan as well). Now currently working on purchasing my first home with the help of wise counsel, including Mr. Ramsey. My parents were (and still are) broke, and always had a scarcity mindset, but I am responsible for my own life, and my own choices/decisions.
Either you're going to put in the work or you're not. That's on you.
We are a black couple and the Baby Steps worked for us. We are debt free and are on our way to be becoming baby step millionaires.
Thanks Anthony for addressing this. I started watching you on The Dave Ramsey Show and I am proud of what you are doing for our community.
Goals! Well done!
I absolutely believe the Baby steps are about money not race. The bigger question is about learning how to built wealth , investing, property and business.
EXACTLY! The question is, once you are out of debt, what are you going to do with all of that cash flow? Unfortunately, some go back to incurring debt again because they weren't taught how they can make their money work for them! Learn how to put that money to work!!
Its like q diet . we need to treat it like a life style.
I am so thankful for your show Anthony and I am happy there is a Black person from Dave’s organization to speak to our black community about what Dave teaches. Dave Ramsey is the only program that lays it out CLEARLY for ME. I need steps. Dave Ramsey’s program is for people who are willing to do the work, patience, discipline, and consistency. All of this is BEHAVIOR. Are you a BELIEVER? Dave principles are from the Bible. That is who Ramsey’s Baby Steps are for. Thanks Anthony 👏🏽🫶🏽
Hello Ma’am, I am genuinely asking this because I’m truly curious. How does one speak to the black community?
I believe it boils down to lead by Example....
@@dorotheaanderson9482 and that issue what I have had to start following. Leading by example. It helps me to see others gaining success from the Leader I am watching leading by example.
@@dorotheaanderson9482 I do not know what happened to my comment to this. I agree. Leading by example and also noticeable examples. That is how I am fired up. It tells me that I can do it to.
I paid off my house 0f $900,000. And now debt free!
No bills! Working on house#3.😅
Following Dave got me to believe in myself and stay focused.
Paid off $62k in 13 months.
Currently in baby step 3b with a goal to buy a house in the new year.
Needed Dave for that wake up call that what I was doing before wasn’t helping the future “me”.
Trust the process and deter from those who judge you. Those that judge are prob in debt and that’s not you anymore.
Right about that 🎉
62k in 13 months is amazing please tell me how you started to tackle it. ❤ thanks in advance
@@snoopyblue917 first make sure your “why” is strong enough to maintain your vision.
It’ll keep you from giving up.
Zero based Budgeting and maximizing the income/minimizing the expenses were the strategies.
Its going to be hard but understand it’s only for a season. In the long run, it’s totally worth it.
Anyways, I started the baby steps and my biggest debt of it all was student loans at $58k so I put post it notes on my wall and wrote $580 on each of them (100 PostIts)
And I made a game out of it to try to remove them from my wall.
Worked a full time, part time and doordash/Ubereats.
A lot of work but now I’m not working that hard as I was before and financially at peace working on new goals.
You can do it! It’s possible
As a black man, following what I learned in Financial Peace University changed my financial life. My wife and I paid off around 60k of debt(cars, student loans,credit cards,line of credit)with the exception of our mortgage. We created a monthly budget and knowing about credit cards and debt has helped to be financially stable and build for our child. Yes there are culturally relevant obstacles that are faced, but that doesn't mean the baby steps and teachings aren't beneficial. If there is an obstacle present that Dave doesn't mention, add someone else that talks about it to your catalog, but don't throw all his info out because he doesn't touch all topics.
Preach black man preach!!!!! You made me cry when you were talking about taking food home to your family. I did the same thing when i was a sophomore in high school in S Philly. I would get out of school ,go to baseball, or basketball practice, $ work @ the academy of music then walk home 11 or 12 o clock @ night thru gang territories because i had no money for the subway @ take food home for my mom@ dad to eat. I can’t wait to fire my boss!!!! And sit @ the head of my table.
I'm a white guy but the first time I heard about Ramsey was from a black friend who recommended him. It worked for her, and I like what Dave has to say on some subjects and his focus on getting out of debt
It boils down to the last few minutes of this incredible talk. “We have to have serious accountability conversations about decisions that we have made with our money”
I’m a black man from NYC, paid off 2 houses, am 100% debt free, and have been since 2016 thanks to Dave Ramsey teaching. I have 3 children and have retired my wife from work.
Im Salvadoran 🇸🇻 and Dave's teachings have not only motivated me, but they have set me forward on the right path financially. Never did I think I would forget my culture, rather help my family tree achieve our goals
As a Hispanic man sitting here listening while eating my taco 15.5 min in, I literally said... "AMEN" lol. I have an engineering background, love listening to Dave Ramsey. Today I am in a great financial place... I grew up in poverty and also went to jail a few times in my adolescent days. I now have a loving family and am a father to an amazing child. Dave gives amazing advice. I am looking forward to checking out your stuff as well. I usually feel there is nothing out there geared toward the Hispanic community but I think its a beautiful process when an individual takes the race away and opens up their mind to all who are trying to help and teach such as yourself. I wish you the best! Onward & upward good sir.
Brother ONeal,
Dave Ramsey's strategies and Biblical mindset about money helped me and still do.
I'm Black, my family is Black and my extended family is Black.
I learned of Dave Ramsey back in 2006 while listening to a Focus on The Family broadcast, during my morning commute. Back in 2006, YT didn't have all of the financial talking heads of today. At that time, I wasn't aware of or exposed to any Black Americans (Christian or secular) teaching financial wisdom (not that any didn't exist).
My family and I was DEEP IN DEBT from credit cards, taxes and student loans. I was financially irresponsible and I didn't know what to really do with money. I was struck when DR pointed out the scripture "Just as the rich rule the poor, so the borrower is servant to the lender. Proverbs 22:7-9"
Following Dave Ramsey's steps helped me to become more financially aware and wiser. By 2012 I was no longer buried in the debt I once was. I used this to help my Black family out of debt slavery.
Thank you Lord God. Thank you Dave Ramsey and thank you Anthony ONeal.
Taxes? That's pretty bad.
Amen🙏🏾
I got into Dave Ramsey's books and radio show in 2006. Many of the current financial talking-heads were not around at that time.
I am black and was introduced to Dave by a black coworker who was extremely well off financially. What attracted me to him was when he talked about GOD and tithing. His teachings are basic but very beneficial and worked well for me.
"We don't even sit at the head of our own table." Loved the part about taking back our table and the vision setting us up to build our own table!
i'm a black female and i follow and subscribe to ramseys steps. they worked for me almost immediately. i'm still on bs2 and will be for a few years (bc i'm not gazelle intense), but almost immediately after starting the steps i went from being in the red week by week - to having money in my account and it was right on time b/c my mom got sick and i had to travel to get to her and then fly her back up to my state to live with me. i would not have been able to do that if i hadn't started his steps just the month prior. i have never been in the red since. and i'm down to my last debt (student loan)
There was a black family in my area (they have since died years ago) but the wife was one of the first black teachers at our schools back in the 60s. Her husband owned a slaughter house. They died not needing to be placed in a nursing home bc they saved their money and had home health nurses and hired care givers to take care of them.
This 🔥
Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.
I don't think I need a finance advisor. I can manage my own money and investments. I don't want to pay someone else to tell me what to do with my hard-earned cash.
That's a risky attitude, My friend. You might be missing out on some valuable opportunities and strategies that a finance advisor can offer. A finance advisor can help you plan for your short-term and long-term goals, optimize your tax situation, diversify your portfolio, and avoid costly mistakes.
I used to think like you. I thought I knew enough about finance and investing to handle everything myself. But then I realized that I was spending too much time and energy on researching, analyzing, and monitoring my finances. I was also overwhelmed by the amount of information and options available. I decided to hire a finance advisor and it was one of the best decisions I ever made. They saved me a lot of time and money, and gave me peace of mind.
@@GibsonJames-gr3on I agree with You. A finance advisor can also provide you with objective and unbiased advice, especially when you are facing emotional or stressful situations. They can help you stay on track and avoid making impulsive decisions that can harm your financial future.
how did you find a good finance advisor? How do you know if they are trustworthy and competent?
ANTHONY!!! I HEAR YOU!!! Finally wrote out my vision for MY MONEY!!! I’m ready to MOVE DIFFERENT!!! I’m ready to sit at the HEAD of MY TABLE!!!
Anthony I’m so happy you’re addressing this issue.
The baby steps worked for me! 🙌🏾it’s because of him that I discovered you, Anthony! I prefer your channel now, but I definitely respect Dave Ramsey & his advice.
It took me 5 years to become debt free because of the income that I started with. Listening to the debt free screams from people who looked like me on his channel gave me HOPE. It motivated me to better my career & make more money to be where I am today.
Thank you Anthony & Dave!! Wise people will listen to your (& Gods) advice 🙌🏾🙌🏾
Powerful testimony!
Same!
I haven't worked the steps yet though but it's doable.
Creating wealth entails establishing positive routines, such as consistently setting aside funds at regular intervals for sound investments. Financial management is a vital subject that many avoid, often leading to future regrets.
Indeed, currently I'm managing my finances wisely and being frugal. In the last 19 months, my investments grew by 43%, adding over $650K in profits. However, I've had losses in the past month, making me anxious. I'm unsure whether to sell everything or wait.
I always consult a financial advisor before investing. During the pandemic, I used their strategies to minimize risks and maximize profits, generating around $3 million in three years with my advisor
@@Mr-sweeny I'm intrigued by the idea of investing with an analyst, it seems like a wise choice in today's market. Could you provide me with some guidance on how to get in touch ?
“Vivian Carol Gioia” serves as my advisor, bringing extensive qualifications and experience in the financial market. Her deep understanding of portfolio diversity positions her as an industry expert. I suggest delving into her credentials for further insight. With her considerable experience, she offers valuable guidance to anyone seeking to navigate the complexities of the financial market.
@@Mr-sweeny Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.
Thank God for Dave Ramsey and his teachings♥️♥️🙏🏾🙏🏾🇯🇲
I'm 35 and living in the Caribbean... when I tell u this year was full of disappointment and some serious trials ...... BUT ... the baby steps principles have helped me. Lost my job and had to use all of my emergency fund to stay afloat during this time. Rent paid ...bills paid .... still have food (Thank God) .... have to start all over in 2024 .... but I believe that it WILL work out !!! ❤
Thanks for your great work ....we are watching from all around the world🙏🏽
Imagine if we had this knowledge when we were in high schools before we started our first jobs, where would all be today.
Exactly. This is what they should teach the kids in high school before they graduate
Exactly
Amen
Thanks to the teachings of Dave Ramsey/Team and Mr. ONeal the wife and I have paid down our $110k in debt to $10k and should be finished in January of 2024.Please keep teaching people you are changing lives. GOD BLESS YOU ALL!
The concept of "The Table" is brilliant. It transcends culture, race, age, etc. My wife and I are about 45 days from starting step 7. This concept helped refocus my thoughts on why financial freedon is crucial to personal freedom. Thanks. Good bless you.
I did the baby steps when I was single it works. However, I backtracked got cards again ran up debt again. Now here I am, married (my husband and I both make 6 figures) paying down debt again. This is it. It registered that it really is a coping mechanism. Depressed? Shop. Grieving? Shop. Bored? Shop. It used to be eating. I lost over 100lbs and learned to redirect myself. Same concept but fiscally. The baby steps work.
The baby steps worked for me, but we were DINKS during my journey and I lived with my then bf who was debt free. We have now been married 5 years and my debt was paid off right after the honeymoon. I’ll always love Dave for his polarizing, easy to learn baby steps because it works for the majority of people.
Anthony, 59:00 you touched on the root cause of the issue, which is taboo to admit in our community. The realization that the large % of middle class families/homes, had parents who were not good stewards of their money when they were young. That is a major reason why the next generation struggles, is burned-out, can't marry or doesn't want to bc they have the unspoken obligation to care for their parents financially as they age, due to a lack of financial literacy and DISCIPLINE. Even if we know better, we still are not doing better.
I’m happy that you and Dave split up peacefully and he showed you support. seeing your channel do well makes me Very happy for you
Ant! Wow! You've spoken a word with this one!! Being 14 having my own job and moms coming to me asking for money to help cover bills. Going to the church soup kitchen some summers for food.
We weren't poor either, but that wasn't it. I'm looking to do better grow my family differently.
Blessed and appreciative of where i came from and looking to do better for my kids. Once you know and are educated with more knowledge, we gotta pay it forward and create our own wealth! Amen brother. Thank you for this.
I’m a black grown woman I found Dave Ramsey two years ago I started the 7 step program and I have paid off 10,000 dollars worth of credit card debt. Thank the Lord for snowball method. I owe for my car payment that’s next to pay it off.
We all face the same things when we don't manage the money correctly.
Well… I would challenge that… go talk to one of your black friends about banking while black… grab some popcorn and enjoy these stories you’re about to hear.
I'm mixed race and I've been poor all my life thanks to my own foolishness and lack of people really caring to mentor and instruct. At 52 I bought and read baby steps millionaires and total money makeover. After reading them and applying the easy to follow principles, I've been blessed and inspired to follow through on Dave Ramsey's Biblical teachings. In doing so it's allowed me to pay off my home as I'm now building up my emergency fund and retirement portfolio.
Now at 55, I still have to grind as I work hard for a living but, the peace of mind of having my home paid off has lowered my stress and blood pressure alot. I'm very thankful as this excellent video by Anthony confirms how blessed and fortunate I am because of hard work, sacrifice and common sense mentorship from great teachers like Anthony and Dave.
We live in age now where if you're determined enough with a good work ethic and a little discipline anyone can achieve anything. Race or background will not hold you back if you apply the Biblical principles of stewardship explained in his books.
It worked for me and I am black, navy blue and it worked for me all the way in England 🇬🇧. Dave's teachings helped me tremendously to each their own. ❤❤❤❤
Worked for me! It may not seem like a lot but paid off 10k . It's all about mindset, discipline, and a realistic budget. It was hard putting down lumpsums of money on the debt that I owed because I really wanted to use it for vacation or buy things for myself that I really wanted. However I knew that if I didn't get serious about the problem at hand, it would only grow.
I love it! Thank you, Anthony. Her message was based on emotion and not logically sound. Dave's message is universal and based on common sense.
Exactly!!
Absolutely. The best comment on this video and you deserve numerous likes.
Exactly! Plus he has 30 years of proven experience and millions of testimonials that his plan truly works.
My dad was a Financial Peace Coordinator for years at a local community center. He taught the program Bridges Out of Poverty (which is amazing) along side Financial Peace University because he found that many of the people in his classes had to overcome a generational poverty mindset before they could save money.
We did that exercise as a team building exercise at my job. I was so far behind everyone else. When my colleagues turned around at the end of the exercise and saw where I was several of them were very upset. I had to debrief with them to say, look with all my disadvantages I am still here so don't feel bad for me. Even at that time I was in a much better financial situation than over half of them. Baby steps are hard when you are choosing to live above your means and trying to impress others.
The baby steps literally saved my life financially! When my husband first brought it to my attention I was apprehensive, but eventually I started to grasp the ideals and see results within our finances. We are a single income family making about 60k with no debt except the house!
The Baby Steps and Dave Ramsey helped me turn $176,667.87 of student loan debt into $66,029.00 of student loan debt in 2 years! The only reason I stopped is because my husband and I are expecting our first child. I will be starting my debt payoff journey again once our little miracle arrives! I am Black❤
You’re killing it! You’ve done amazing already!
@@foodlover8078Thank you🎉
A lovely church going white woman, introduced me to Dave Ramsey in 2011. I am just now actually trying to set the plan in motion 🤦🏽♀️Life has been challenging but I have always done some sort of budget or intentional tracking of funds. After the pandemic, things have gotten worse financially, but I promised myself that by the end 2024, I will at least be in Baby Step 2 tomorrow of the Dave Ramsey plan.
I have watched a lot of financial training videos. You can learn something from all of them. It’s important to find someone you can relate to and do a plan. Ramsey worked for me so I did the FCMT. Now I volunteer to coordinate classes throughout the year so I can help people learn about money. The plan works for people who work the plan!
Side note if you have not heard of Stacey Flowers research her. Her story is... single black mother at 18, mental health challenges, worked as a waitress making under 900 month without using state assistance and now she is worth way more than that. Her debt free journey is on TH-cam where she followed Dave Ramsey teaching. Not to the tea but he did influence her journey. Her journey is real, raw and relatable.
So if she used his teaching.. why is she telling us not to use it?
I adore Stacey Flowers she cleaned up her debt and has made her first million dollars in her business!!!
You know whats better than being independent? Its interdence, us relying on people from the left or right of us, irregardless of their color or culture. I love Ao's take on this and am rooting for him for sure.
Love a bit of Stacey!
I’m not black, I’m brown and proud! You feel me!? My girlfriend is black, and we both serve in ministry! Anthony has been helping us and blessing us a-lot with these baby steps! And plan on starting our own business soon! Let’s go 💪🏽 Praise Jesus!
YESSSSSSSSS you both are on the right track spiritually and financially. God bless….
Black and brown are the same color.
What shade of brown are you?
@@GenXpressnGlight brown
@@larrysmith2655 Question was for @cientoclemente.
I went through the financial peace class and I paid off my debt making $400 a month. I was living with my daughter at the time so I had no rent payment. But I had plenty of debt. I have been debt free for 7 years!!!🙌🏾🙌🏾
Taking steps to secure your future financially has nothing to do with race, it takes DISCIPLINE!! God bless you Anthony you are a wonderful uncle.
Worked good for me... Single income paid off 24k in debt in the past 18 months... felt life I gave myself a raise... credit score is 800+ but i really don't care. A great credit score doesn't mean you have money in the bank. Keep at it.. it works.
Facts!
Thanks for clearing that up. I told my brother I was following Dave Ramseys seven baby steps and he said Dave Ramsey’s plan is not for black ppl. I was confused.
HAve your brother call in to my show. Let's talk about this.
Does he want financial freedom.
People thoughts reflects their experiences.
If a person grew up in the hood and never traveled they think the hood is the only life and there is nothing they can do to elevate out of the neighborhood. It's the same with some poor people. They can't visualize anything out if their circumstances.
@@eileenwatt8283 my brother does very well for himself. Not all black people are hood. We come from a middle class family.
@@anthonyoneal I sent him the video.
Dave worked for me and I’m a single, black woman/mom. I am debt free because of Dave’s 7 baby steps. I’m almost done with baby step number 3. God showed Dave to me and I’m forever grateful.