You're Not A Victim! - Dave Ramsey Rant
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- เผยแพร่เมื่อ 6 ธ.ค. 2017
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"You're too stupid for me to help, seriously. That's the dumbest thing I've ever heard in my life." 😅😅😅
WhiteBoard Finance I wish I wasn't so stupid . I'm glad I can say now start changing it.
if I had a dollar for every time I heard that...
WhiteBoard Finance 😂😂
That made me laugh. I love how blunt Dave is.
Love it !!!
"Is Eeyore your spirit animal?" I'm dead 😂
Quote of the year!
i was laughing way too hard at this
LLOL, literally laughed out loud
2:45 🤣🤣🤣🤣🤣
🤣🤣🤣
Calling the whambulance is always my favorite part
That needs to be made into a T-shirt
i also like the line "travel agent for guilt trips"
The best!!!
Wee woo weee wooo
Haha same!!
$6500 will buy a nice used car. Especially from a private seller
That's what I was thinking. Mine was $4800 and it was still super nice. I cant imagine getting one of these $20k cars
I came to this conclusion myself, but I'm glad I found and started listening to Dave. My first car my dad gave me for free and was 20 years old. Had that for about 4 years. I just bought a slightly newer car (13 years old) for $5500 cash. Taking out a loan to finance a car is one of the stupidest things you can do with your money.
@@morbotheturtle3796 What kind of car did you get Benjamin?
@@michaelescobar3746 2014 Chevy Sonic hatchback
No kidding. I paid 8k for a vehicle and drove it another 10 years. And it wasn't even that bad when I sold it. 6500 might be a little below that - but not tons.
“If you don’t have any payments, do you know what you have? Money” 😁
Biden and the libs will fix that!!!
Put this in perspective. When Amazon founder Jeff Bezos was worth $10 billion, he was still driving a beat up Honda.
And here I was thinking about changing my 2016
Sentra before listening to Dave Ramsey...
@@Mrskaylaxo ....correct Kayla, but if his wife cheated on him, she would still get the same amount in the divorce, so let's do the math....
He cheats on her, she gets billions, but she cheats on him, she still gets billions. The family courts need a huge overhaul.
Got a 2000 F350 diesel, 400,000 miles. runs forever ands looks pretty good too..total cost used was 6000 and put about 4000 more into things....certainly better than a 648 dollar 13.9 % 75 month Truck payment....and off to the savings account we gooooo....lol
@@Mrskaylaxo She deserves nothing other than to split the marriage. That's IT. You are the reason fewer men are electing to get married.
Right he cheated on her ...so she deserves billions..for which she never worked for .....SMFH .just like these basketball players wife's ...they get millions but have never made a lay up 🤦♂️🤦♂️🤦♂️
I am so glad I found you. I was going to finance a car, but after watching your videos, I decided not to be stupid. I bought a 2011 pegeout 107 for 5,215 euros CASH! I have nothing else to pay, but gas and taxes. It’s awesome. It is the cheapest car in my work’s parking lot, but hey who cares? I don’t! I am now saving to upgrade to a newer car in 3-4 years. Of course I will pay cash! Thanks Dave. I speak the truth.
Val S.
You made a wise decision, now you have more power over your money.
Val S. nice.
Smart girl 👍
While your coworkers have car payments, you are stacking the cash that you aren't giving to a bank or finance company. Instead of paying interest on a car loan, you are earning interest on the money saved. Instead of stressing out wondering whether your bills are getting paid, you are living stress free knowing that you don't have to live paycheck to paycheck.
Dave’s advice is only for Americans ; )
Dave is halirous. 😂He's like my Uncle. Straight truth.... but means well with love. 👏🏼😊
Yup 😂
Next week I'm having my 1-year anniversary of having bought my 5-year old low-mileage car (they exist!). Car + provincial taxes + new winter tires came out to about $12K. The dealer's financing dept. tried to sweet talk me, saying not spend all my money at once, to put down $7K and pay the rest every two weeks at a certain rate. No, thank you. Here's the FULL AMOUNT in a bank draft!
I knew from the title Dave would at some point say "call the wambulance". So naturally, I immediately clicked on it! 😂😂 cracks me up every time
Love this! Wife and I lost our paid for car in Hurricane Harvey. Due to being debt free, we were able to go buy a 2 yr old SUV with cash. This plan works!
“Best way to stay middle class is to get a car payment” lol I love this rant.
Not necessarily if you get a really good interest rate and can beat that with your investments it’s not bad
I really hate how some people who seem themselves as victims use it as an excuse to being a bad person
What's even worse is how some family members come to their aid, enabling them to be portrayed as the victim.
grindhouserob that’s why they continue the behavior!
Cause and effect is the other direction. They are a bad person, that's why they play victim instead of taking responsibility
😮@grindhouserob 😮😮😅😮
Is Eyeore your spirit animal???? LOL I want to use that line!!!! Love this rant.
The real key here folks is patience
"Call the WAAAM- bulance"
-Dave Ramsey
"They all go down in value like a rock" puts a new spin on that Bob Seeger song that Chevy used for ads!
Andrea Tharp 🤣
1997 4Runner still going strong and saving tons in my 401k and paying off my mortgage in 6 years. Only then will I buy myself a new car with cash after securing my emergency fund. Thanks Dave!!!
When my car was totaled, I paid cash for an old car; I paid $5200 for a car. I have been driving it almost two years. I don’t have a car payment because I paid cash for an old car. Totally worth it.
100% right!!!! I just bought a 2010 SUV with 65K on it for $7,300 cash, no payments!!!!
Dave is right, when you pay cash, your mind automatically makes you spend less money.
I had a dream that I met Dave. I asked him for advice about my financial situation and he went in on me. I think I told him that I have the money to pay off my debt but I'll wait until next year lol.
How to finance a car Dave Ramsey style? Pay cash.
Lol we don’t use the word finance here
It is that simple. Ha, ha! Dave, So true! I bought my main car for $8800. It was a 1 year old Volkswagen Fox. I drove it for 20 years, over 400,000 km and sold it for $1,000. Best car I ever had, but my next car, a Subaru Forester, has over 150,000 km and is still running well. I plan to run it to 450 K again. Cars aren't a good investment, but good maintenance is.
C Gt awesome story !!!!
You tell it like it is Dave, thank you for making sense.
I am 59 and I have zero debt. I do not own my home and I don't care. I do not want to be in debt to a bank for 20 years.
I was so stupid when I was a young man, I would have multiple hire purchase payments going out every week for junk like tvs, video cameras, stereos etc.
It has taken me a long time to come to my senses.
Jeff M. You only live once. You were not doing the wrong thing when you were young. If you didn’t live like that then you would have missed out on life. It’s good to save money but not everyone make it to their senior age.
Tanah Merah true but if they do make it to retirement age and they have not saved, they either end up homeless or living off of the government. I would rather save and have something left for my family than to leave them with my debt.
Thank you Dave for hardening my resolve to not buy a car on credit. Earlier on I used to finance my used cars but haven't had a car payment in over 15 Years at least, The last car I financed I kept for over 250,000 Miles by the time I got rid of it, the next car was an older and lower priced car that I paid cash for. My current car was purchased from a family friend and I paid him in full over the course of a Year. I've never owned a new car or any mid tier class car or higher, I was considering putting aside a down payment for my first brand new car purchase on credit as I have been doing a little better financially than I have in such a long time, then I started listening to your TH-cam videos and You talked the sense back into my head. I still hope to own a brand new car someday, but I'll wait until I can pay cash for it, however long it takes. I also remember what my late dad used to say; "a car is just a pile of plastic and metal at the end of the day" and "a used high end car is just an expensive used car".
Paul Costa my goal is to NEVER own a new car. I would never pay good money for something that is worth thousands less the second I drive it off the lot. I'll let someone else make that mistake for me and then buy it from them used.
I will NEVER EVER buy a brand new car. I won’t pay more than $10,000 for a car PERIOD 🤨
If you do your due research, one can get a really good used car for $5,000 or $6,000. If I were this guy Dave was ranting on, I would take the $6,500 and find a good used car for about four to five thousand dollars and pocket the rest. Anybody that didn't like my new used car doesn't have to go for a ride with me.
I've found that the number doesn't go as far as it used to. In my city in particular I couldn't find anything decent under $12k. I had to leave my city and drive for an hour out of state to get something decent under $10k.
Weird you can find a great car deep in the rust area of NH for $1500. My gut tells me you must be too picky. Cars rot out QUICK here with all the salt and it's still easy to find a good car cheap.
So right. I had a 5k car for 10 years. I donated it to charity because it cost too much money to park.
Other people don’t have to like your car if you like it that’s all that matters
You'd only get a $3,500 or so car with your five or 6 grand... Very few people in this world are going to sell you a good car at book.
“you’re broke because you’re stupid!” 😂
“Is eeyore your spirit animal! “
I remember working with a guy who was paying off 5 personal loans he had taken out for all his previous car purchases ( he only owned one mind you). He just had to have that set of rims and performance chip, but when it was time to put tyres on his latest money pit, he had no choice but retreads because that’s all he could afford. My car is 17 years old and I’ve been debt free for 12 years. I like it that way.
I've had a $500 ford ranger for 7 years and its got rust holes & peeling paint.People move out of my way (assuming I have no insurance?) & I LOVE IT.
😂😂😂😂😂
Rich people stay rich by acting poor
Poor people stay poor by acting rich
“What is Eeyore your spirit animal” 😂 lol Dave
I was in the hospital and missed a car payment,even though i told them, that's on my record for 7 years now. I really regret getting financed car but my old car gave up on me and I didn't have any money for a new one for my job. I am and will get rid of that payment within the year!!!
Yay! Then take that old payment and start piling it up for your next car, and/or repairs as needed on this one. Drive it til it dies!
We haven't had car payments for many, many years. Scrimping since then for my husband's next car I'd have the money to buy him a car. Have 10 thousand saved so far :)
The 28 dislikes are people who financed vehicles recently 🤣🤣🤣🤣
Hahaha or car dealers 😆
Thanks to you Dave I convinced my boyfriend to pay off his car next month! :)
When he doesn't have car payments, he has that much more money freed up to either save, invest, apply to other debts and even take you out on better dates. :) When the car or house gets paid off, it literally feels like getting a huge pay raise without actually getting one.
💃🏾💃🏾💃🏾💃🏾💃🏾
First time I have seen Dave say somebody is too stupid for him to help. 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
The guy is taking the car salesman advice and asking Dave to agree. Anyone who listens to Dave Ramsey should know better than to ask to finance anything other than a home.
I wish i found Dave before i had my car repossessed. I had no idea I could sell it.
I love it when Dave shames stupidity into the ground. He's right though.
Man!! This stuff is so easy to understand! AND do if you want to be debt free and go through a very short term pain! I can only imagine what my life will look, feel and be like in 30 years! Dave you rock.
Love it! You are so motivating and this was a great reminder!!
1998 toyota ( my car is 20 years old this year) I have had it for 12 years.. I paid 10k for it...185k miles and this baby will go for another 200k or more. I love my NO CAR PAYMENT!! paying more for a car is Stupid! If I ever get a newer car Ill never pay more than 10k for it.. ever
'John you are too stupid for me to help' Ooh literal chills, the deliverance of that statement legitimately gave me chills and made me giggle
"Sam's clippers BRRRP that's it, it's over" lol
😂😂😂😂😂
$500 a month is insane. I tried to trade in my car for a truck and the dealership came back with $537 a month. I told them the only way I would do that is if I sell my house and live in the truck!
Thanks so much Dave, great info!
Love these rants
Dave is absolutely amazing!!
I’m the middle of baby step 2 all we got left is student loans. The thing that’s shocked me the most when I started working this plan 13 months ago was the sheer hostility you get from people. Since I started this I’ve been called uneducated or just plain stupid from people hundreds of thousands of dollars in debt. It’s so counter cultural to live without debt or to not have a car payment people will literally attack you for not being in car debt. Well like Dave days if the broke person is making fun of you you are doing Good! Keep it up guys and gals!!!
Driving beaters and repairing them myself is the main reason im a debt free home owner at age 34... So yeah, loaning money to get yourself a vastly depreciating asset is STUPID..
Dave, forget the math, we the people get the logic. Live within your means. Actually, live below your means. Yes, I hear your message loud and clear. God bless dave ramsey.
“You’re too stupid for me to help” that’s my favorite 😂
Sold my 2004 Subaru with 215,000 miles for $750 with some issues. Bought a 2002 Honda Odyssey w 167,000 miles on it for $550 from a senior citizen. Running nice and I plan on keeping it til it dies. Probably the best purchase I ever made.
I had a really good car for $3600 when I totaled mine in college. Dropped $500 on repairs and it kept going for years
“Is Eeyore your spirit animal?” 😂
One of the funniest Dave Ramsey rants I’ve ever heard! Lol!
I love it when Dave shocks me with his blunt responses 😄
Dave’s honesty is priceless
That guy should have known better than to write that.
Its always funny seeing Dave Ramsey getting triggered by trolls.
Call the Wambulance & have em take to you to McDonald’s to go get some wamburgers & some french cries 😂
John , you are too stupid for me to help ! 😂😂😂
I’m dying here ..🤣
Glad you said it Dave
One of my ex boyfriends makes $11.00 an hour and took out a car payment for $19,000 complained his mom wouldn’t help him with his car payment. I thought that was so stupid of him to take out a car payment and expect his mom to help him pay for the car payment for a car he couldn’t afford without a car payment and he’s 33 years old.
Classic actually in bits!!
Put the money in the bank and finance another car lol 😂😂
He’ll fully finance a new car, and think he can spend the 6500 on fun things. Bet he has already.
10yrs I drive car max value $5,000, now I only buy new cars cash, 4 properties net worth $2Mil debt free.
30 seconds in and Dave Ramsey have me choking on my tea🤣🤣🤣
😂😂😂😂😂
Dave, you made me laugh out loud! You need your own sitcom. By the way, I totally agree with you!
Lol 😂 this is hilarious I have this conversation with people daily handling totaled vehicles. People always complain that they can't replace their old car with the cash value of what their vehicle is worth ....no you just want a new one.
🤣🤣🤣wahhhh call the wambulance
True words!
“You’re too dumb to help” 🤣🤣🤣😂😂😂😂😂😂😂😂🤣🤣🤣🤣🤣😂
Thanks Dave
Call the wahbulance.
Sir thanks for your message. i bought your book. i love you man
$30k car we bought oct 19 $508/mon for 84 months! Stupid decision but paid it off in 14 months! Never again!
My cars twenty years old, still going strong 😂 I don’t care about cars or impressing people
I liked Dave face after he read question
Dave gives all of us a dose of reality. Wake up people, it is not to late. Wake up!!!!!!
That's how Dave made his money! He saved on haircuts and shampoo 😅🤣
A new car loses 40% of it's value the *second* you drive it off the lot. Never buy a new car. Never spend more than $18K on a car (that's the absolute high end of what you should spend on a car, preferably way less than that). Never buy a BMW or any other luxury car - they break down a lot and cost as much as double to service as a Toyota or similar worker-aunt car. Most importantly *if you can't buy it with cash, don't. The only point and purpose of a car is to get you from A to B and THAT'S IT.*
I disagree Lexus is probably the only luxury brand ...that is reliable and not hard to work on ..so maintenance is not expensive....(after all it's a Toyota) ...owh yeah ...it retains its value (Because it's A TOYOTA )
Totally agree auto loans are the worst
This guy is great!
Evey time I think of buying a new car I have to come back and watch this episode so Dave can talk me out of it 😅
"Is Eeyore your spirit animal?"
John, you are too stupid for me to help!! - Brilliant retort Dave 😂🤣
favorite rant EVA.. LOL
My wife and I had had better than average incomes. We bought used cars with cash and drove them for as long as they would hold together. No car payments for decades. Finally got a new car in 2017 (17,500 for an Impreza) paid it off really quick. Also stayed in our “starter home” and paid that off. Decisions like these enabled me to retire at 52.
😂😂😂 Dave I love you!!!!
7:25 "Sam's clippers buurrrr that's it" LOL
My shampoo is hand soap, too. Lots of money saved on hair care products over the past two and a half decades.
Dave makes me laugh. Every time.
I bought a used Prius for $7800 cash. My wife drives it every day and the fuel only costs $40 a month. We only have liability so the car insurance is virtually nothing. Be SMART people.
Hahahahahah Dave keeps it real, We do live in a car culture! There’s an unrealistic car culture at the red light and the interstate that the car you drive make you look important, and rich it’s all a lie. I watch how people respond when I drive my 97 land cruiser vs the reactions when driving V12 big German sedans it’s funny But I’m no fool they both are use and paid in full cash money car titles in my desk.
Harsh. Very harsh. But totally 100% accurate.
I love this. :')
Call the waaaaahmbulance. Brilliant.
I screamed 😂😂😂😂