I’m 75 and we haven’t had a payments at all for the last 20 years. My husband and I started out 30 years ago from ground zero, gradually building ourselves up financially. Always living below our means. I never made more than 30,000 and he never made more than 40,000 We’ve always made smart decisions, always lived below our means. Just this years, we’re able to finally able to live like no one else and to give to other people. Wonderful feeling
@@douglassmith9445I hit my first million at 37. Household dual income ranged from $100k to $225k. When we made more, we invested more, but always took the company 401k match. We always made spending choices to give us margin. Bought 1/2 the house the bank would finance, half the car we could afford, etc. That way you can survive a bad economy, a job loss, or an unexpected expense.
I have listened to Dave Ramsey for 25 years. Keep with it people!! Stick with the plan and the written budget! He speaks truth and it works!!❤Do you know what Financial Peace is? Going to bed at night knowing you have no house payment, no credit card bills, no student loan payments and can sleep like a baby at night knowing I have money in the bank and a huge paycheck coming this month that I can invest.❤
I have these videos on autoplay while I am updating my budget for the year. It is... an interesting experience, lmao. The more Dave yells, the more I am motivated to get rid of my debt this year and save/invest more. Gotta love it.
38 years old and been watching for month or 2 now and I'm fully invested and on babystep 2 in Gazelle mode working almost 80 hours a week. Thank you so much for what you do!
47 years old. Completed baby step 1 ,three weeks ago. Took me 30 years to learn what to do with my money. Thank you Dave Ramsay. Headed to over a million by age 70. Late to the game. But playing to win now.
27:35 one of the first rants i heard from Dave Ramsey when i first found his youtube channel on Jan 6 2022. I would play this rant "Think America" Dave Ramsey rant every single day on my way to work. Needless to say, i have memorized that rant. I have every Dave rant downloaded and shuffle listen through the rants
@@fabiolatgg yes. I have TH-cam premium and that is one subscription I didn’t cancel when paying off debt bc I could play music, on Google play music, and also download and also play TH-cam videos in the background and while my screen is off. I have my 6 month emergency now and I am saving up for a house in the next 2 years
It's supposed to be called fostering and it's meant to be paid for 😅😅😅 just foster animals if you wanna love on an animal for a while but then not be responsible for their entire life
Dave, I wish I would have found you decades ago. Hoping its not too late to change my life's direction. I am going to try with all my heart to change my "Family Tree" too! Hoping my kids will listen. Thank you for your passion to me and the others who you don't even know.
1. It’s never too late. You can do it. 2. My experience is that the kids will learn more by watching you than by listening to you. Tell them how to budget … they’ll tune you out. Tip the waitress 50 bucks on a 30 dollar breakfast … they’ll notice.
God bless Ramsey Solutions! Am debt free since November 2022. I have saved so much monies since then, than I have ever done in years past. I graduated from the University with a debt free degree. It was the best thing ever. God blessed me with a godly husband late last year, he came in with some debt, he is on board and we are walking this journey together. To God be the glory!
I got 2 mortgages, 16 years apart in different countries, without EVER having a credit card or credit score. The first paid off in 8 years and the second in 11 years without having a high income but being frugal.
I've change my son's future following the baby steps. He's not going to have to face the the fear of not having enough money for basics. He's not going to have to learn the hard way that almost killed me literally. He's not burrowing money for anything. he's almost done with high school, and will be attending auto mechanics at a cheap community college that I'll be paying for. I'm an equipment mechanic. I've gone through diesel mechanics and welding. I'm so excited for the trajectory of is future.
Listen to him change my life for the better. No debt no student loan while people laughing at drowning in credit card debt. I’m happy with what I’m having and sleep through the night without worrying get kicked out of the house.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $760k by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
There are 2 reasons why I disagree with your statement. Otherwise I would agree one hundred percent 1. Dave believes that this this day in age set the vast majority of women. Are loyal decent kind and trustworthy in all aspects that matter in a true relationship A. Ending up in marriage. This is not been the case for more than three decades easily. Feminism or should I say feminazism...along With a hefty dose of reality drama queen t v... Have poison the mindset of majority of females who are now raising little girls and little boys to be little who res and little soy boys... And to have almost no accountability. He thanks, anyone who lives or shacks up with someone. Regardless of the amount of time that never gets married will not be as financially secure as a couple as an actual married. On paper couple. A piece of paper does not prevent someone from betraying you... Any time a female feels like it. In the United States or America, she can reap a man to wall in court and will win 9 times out of 10 regardless of the reasons. Regardless of the evidence, be it family or divorce court 2. Unfortunately, he is too far right-leaning. To be the president that this nation is meant to have to finally resolve all problems if he had enough power to do so in the critical thinking, common sense skills to assess when to resolve which problems and how... Throughout the past two hundred plus years of the united states of america's history,..... We have had nothing but Republican and Democrat. A k a resnublican ans demonrat... Because of a variety of reasons, which include it and may not be limited to a corrupt system in which lobbyists put in power who they want to put in power at any individual time, depending on the individual agendas at hand.... plus..... Brainwashing or should I say brain? Dirtying the masses with social media propaganda with the paid off lane stream. News media sites propagating that. There's really only 2 parties to choose from. When there's been a third choice, libertarian for many decades now. At the core, if you do the same things you've always done. Especially using the same tools and the same methods. Can you expect different results? That is the definition of insanity I'm fortunately, it is a safe bet and I can bet my Roth. I. R. A on this that Dave, Ramsey would never, ever come close to the intelligent balanced constitutional and historically sound mindset of some of the few very few saying good decent politicians such as Ron Paul to running our nation as it should be run... Although ron polish primarily ran as a republican out of his three a total attempts.... His core values reflect what a true libertarian is. As the constitution comes first and morally sound insane principles are hand in hand with that. Unfortunately, Dave Ramsey would just blindly. Have no problem sending troops to any part of the world. Because quote good old boy. We pollution the world and we're the light of the world quote... Nonsense
I am 43 years old and have saved for retirement since the age of 25. I currently have an income of less than 30k per year. I've been able to save about 40k in the last 18 years. It's tight, but I'm able to pay basic expenses and I'm still able to save. If I can do it, anyone can. Dave is right, it's possible to save money if you cut out unnecessary spending.
43:28 Listened to the 'screamer' entirely, without distraction (no multitasking [ which is stupid in itself because humans can be at their best doing 1 thing { or 2, rarely, occasionally } at a time ] ): In other words, paid full attention. * Your job/salary/work/business is the greatest wealth building tool * Live on less than you make. * Stop borrowing. Pay off all your debt. Get off 'debt addiction.' * Save money. * Invest in mutual funds. * Do not take advice from 'broke' people.
Fabulous rant!! I loved it. America (including me) needed that. Thank you, David Ramsey. I'm on my way to success because of all I've learned from you.
I've watched these rants on their original videos, and this one just now. The perfect pep-talks to help me stay the course. After following Dave since 2019, I'm starting baby step 6 in April. Thanks for all your guidance Dave!
I hope a lot of young people are listening to all his advise because this principles are not taught in school. There is a reason for it, they want people perpetually in debt. Be get you found this show.
If most Americans weren’t spending so much than his mutual funds also wouldn’t perform as well. One of the major reasons people like investing in the US market is that Americans like to spend.
My parents always taught me to avoid debt like the plague, and if for whatever reason you have to take on debt work 2-3 jobs like a dog to pay it off as fast as humanly possible.
have ju🎉 got on this way of budgeting and it's working. I'm in Australia, I can't get your app, so I'm just using a note book. I reckon we could use this in Australia. Because I'm just one month in and it's working. I'd like to help other people, but for now I'm encouraging family at the moment.
I am the person he is ranting about. The loser. The stupid. The dumb. And nothing he says offends me. It makes me realize how right he is. And I’ve made the change. Baby step 2 at gazelle intensity. Selling all my crap. Picking up side jobs. Strict budgeting. Strong effort at work getting raises. Let’s go!
life is about mostly working. somewhere in my mid 40s i realized i need to retire timely and just have been focusing on investing for said retirement. fortunately, i am in a good position because my monthly expenses are low.
Let me be real me listening and watching I missed the old video of Dave, But the growth over the years are amazing. I will always have respect for Dave and his team ❤
I love the rants! Most of the calls are annoying. People droning on and on with useless information and not getting to the point quickly. Dave has the patience of Job at times.
He's right, There is a reason. Why we say, cut your cloth accordingly. Modern day people laughed at me. Because I refused to borrow money, refused, Fianance, refused credit cards, and I purchased a used car, I have no need for brand new car at all, it's totally meaningless to me , it has no bearing on my life at all and never will. I was sensible , I was focused, I was in control, I had more money and no monthly payments. I was patient over the long term , and everything in my home is fully paid for, that's real freedom. And my stress is almost Zero , nil, 0 , I know which life I prefer , and I'm totally at ease .
5:01 44k suv when you male 80k is stupid 16:40 calls money market accounts stupid compared to mutual funds 20:01 do a unique budget for each month 21:01 re-review 23:01 retire w/ 7mil
Starting at average income would actually be an excellent starting point considering that average calculation includes people with 30 years of raises and career progress behind them.
That’s true. I will say though with a plan, a willingness to act as a free agent and a bit of patience a person can grow their income dramatically. I just turned 33, I didn’t crack $40K until I was 27 and now I make 6 figures.
@@es429I hope this show and Ramsey Solutions as a whole never goes away. We as a nation need this show/company and its programming cuz we're high in debt and don't know how to pay it off on our own. Dave for President 2024 LOL
It’s hilarious. I started following him when I discovered FPU in September 2018. I think that was the tail end of his solo days. Very different, indeed. I’m really glad to have this version to listen to from time to time. Less PC, more direct.
I had a moment when my wife mentioned that "by then I will be due to upgrade my Car". I think I said that there is no used by date on the car. It works fine I service it myself regularly and it is economical. No way you are "due" for a car upgrade. You had want to find some dividends to pay for that, for you because all I have is money for investments. It wasn't welcomed advice but the truth, so the heat wasn't too bad coming back after that.
Thank you Mr. Ramsey for what you are doing! We are debt free except mortgage for a couple of years now, God’s hand and brilliant advises from the TMM book helped me get through 2 consequential layoffs. And yes we sometimes need that shock therapy to wake up. But it’s the truth, somebody has to say it!
It’s crazy that America is so caught up with credit scores and stuff. Only nation in the world. In all of Europe, there is no credit score : you have manual underwriting for all loans and it works perfectly fine ! We have debits cards and also works perfect.
We give a total money makeover book to every couple that gets engaged. When things get tight for them my husband says to them , did you read the book? You need to read the book
Dave one question please so I rent I do have debt with credit cards but my credit went down once my mother passed I had to pay for her funeral. I want to know do I pay credit cards off and then keep one to use to keep helping my credit score or is not that important when living the way to be a millionaire??
Paying off your debt will inherently improve your credit until it eventually goes away. If you ever carry a balance or have credit card debt, you are NOT a credit card person, and you need to get rid of them. You can be a creditless millionaire, and you need to be if credit is too tempting for you
Never mind Save near the end if the video you told me about credit scores only needed if you have no money and need to barrow 😊 absolutely do not want to barrow anything anymore EVER❤
When it comes to saving money in a mutual fund it's totally doable. Thankfully I started learning about mutual funds at 23 years old and at 23 I could only put away was about 50 Bucks a month. I did that for 5 years and then I was able to bump it up to a 150. 5 years after that I was able to put away about 350, the whole time staying out debt. I'm 36 years old and there are only 2 financial regrets in my life: I was too scared to invest $2,100 in the stock market and in 3 months turn into $16,000 when I was nineteen, and I bought a new car at twenty-five.
I got a credit card for the first time in my life to get a credit score so I could buy my first house. I canceled the credit card right after I got the house on mortgage. Never want one again.
I'm from Russia. And - yes, we can quit and find a better job easily! All Ramsey's advices work here. One exception - most people here can start from baby step 3, because almost nobody have student loans. In Russia parents consider it to be their duty to pay for education of their children, and mostly feed them, while they study. If they are not able, children study for free in schools they are able to get free, according their succeses (if you really good at school, you have a right for free high education). Or they just start their career, and study while working. At the same time, it sounds wild, when a grownup child doesn't support his parents. Most of us do. But that's usually starts when we are 45+, so that means our career is on the highest point, and mortage's payed of. So, it isn't too difficult.
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I’m 75 and we haven’t had a payments at all for the last 20 years. My husband and I started out 30 years ago from ground zero, gradually building ourselves up financially. Always living below our means. I never made more than 30,000 and he never made more than 40,000 We’ve always made smart decisions, always lived below our means. Just this years, we’re able to finally able to live like no one else and to give to other people. Wonderful feeling
This is the Ramsey Show that I miss. Don't retire, Dave!
I think he already has. He hasn't been on in over a month.
@@bv.6602 You might be right. 🙁
Was wondering that myself. Maybe that’s why they’re publishing this ‘greatest hits’ sort of stuff?
He won’t 100% retire, retirees are people that are ready to die. He loves what he does!
No he needs to go. His views are completely out of touch. Let the millennials bring it up to date.
More, please.
I hit a million net worth at 35 years old following Dave's advice.
39 here and just learned🤣
When did you start his plan and what was your average household income throughout the process?
@@douglassmith9445I hit my first million at 37. Household dual income ranged from $100k to $225k. When we made more, we invested more, but always took the company 401k match. We always made spending choices to give us margin. Bought 1/2 the house the bank would finance, half the car we could afford, etc. That way you can survive a bad economy, a job loss, or an unexpected expense.
I have listened to Dave Ramsey for 25 years. Keep with it people!! Stick with the plan and the written budget! He speaks truth and it works!!❤Do you know what Financial Peace is? Going to bed at night knowing you have no house payment, no credit card bills, no student loan payments and can sleep like a baby at night knowing I have money in the bank and a huge paycheck coming this month that I can invest.❤
YESSSSSSSSSSSSSSSS, ain't it the VERY BEST FEELING?
Sounds like naturally working your craft from kid to teen, and slowly building an income with a service, without bad system education.
@@pattyajones absolutely the very best!!
I have these videos on autoplay while I am updating my budget for the year. It is... an interesting experience, lmao. The more Dave yells, the more I am motivated to get rid of my debt this year and save/invest more. Gotta love it.
Same 😂!!!!!!!
It's like he is screaming RIGHT AT MEEE 😅 budget knuckles down very quickly
That’s not STUPID!!!
Same here lol. At the same time that I type some random thing into my budget, Dave yells "That's stuuupid!" at someone. Oops, my bad.
38 years old and been watching for month or 2 now and I'm fully invested and on babystep 2 in Gazelle mode working almost 80 hours a week. Thank you so much for what you do!
This episode was hilarious. ‘Call the Whambulance….’! Superb, hard hitting advice. Hope listeners take heed…
47 years old. Completed baby step 1 ,three weeks ago. Took me 30 years to learn what to do with my money. Thank you Dave Ramsay. Headed to over a million by age 70. Late to the game. But playing to win now.
Hey congratulations I’m 53 and on baby step 1!😮
52- baby step 2 coming soon!
59 and on baby step 6, you’re doing great!
@@Stephiesmanice
Love these rants. Listened to Dave years ago and he woke me up big time. Debt free and love it. Thanks big brother Dave !
😂😢i wonder how many times dave has had a relative in a corner of a house yelling at them the way he was yelling at 😢😢😢😢22:00
27:35 one of the first rants i heard from Dave Ramsey when i first found his youtube channel on Jan 6 2022. I would play this rant "Think America" Dave Ramsey rant every single day on my way to work. Needless to say, i have memorized that rant. I have every Dave rant downloaded and shuffle listen through the rants
My first one too! And my favorite!! I listen to it from time to time to keep me in line lol !
Hi from Mexico!!
@@fabiolatgg Hello from Houston Texas; yes always good to listen to the rants in order to not veer off the path to wealth building.
Yes! BTW I’m going to download them too, that is a great idea 👏🏼👏🏼👏🏼
@@fabiolatgg yes. I have TH-cam premium and that is one subscription I didn’t cancel when paying off debt bc I could play music, on Google play music, and also download and also play TH-cam videos in the background and while my screen is off. I have my 6 month emergency now and I am saving up for a house in the next 2 years
I love Dave's brutal honesty.
I'm 35 yrs old and never in my life did I know you could rent a dog! 😅😅😅
47 and also surprised to hear of a leased dog.
It's supposed to be called fostering and it's meant to be paid for 😅😅😅 just foster animals if you wanna love on an animal for a while but then not be responsible for their entire life
According to Ramsey you should have 500,000 by now or your gonna be a burden on society
@@DragonsInTheSkyywrong
You can rent mine
Dave Ramsey tells you what you NEED to hear not what you want to hear.
😂😂33:07.. buying a $30.000 bass boat cause fish out running you... is crushing 😢😢😢
Dave for President ❤
"Had to have a $30,000 speed boat cuz the fish were outrunning you"
😂😂😂😂
Dave, I wish I would have found you decades ago. Hoping its not too late to change my life's direction. I am going to try with all my heart to change my "Family Tree" too! Hoping my kids will listen.
Thank you for your passion to me and the others who you don't even know.
Same
1. It’s never too late. You can do it.
2. My experience is that the kids will learn more by watching you than by listening to you. Tell them how to budget … they’ll tune you out. Tip the waitress 50 bucks on a 30 dollar breakfast … they’ll notice.
6:03 lives rent free in my mind ever since I watched it over 5 years ago lol I’m happy they included it lol
Please Dave don't have a heart attack !!!
World needs you so so much!!! ❤❤❤❤
"I make a living hurting your feelings" 😂😂😂 Epic Dave Rant.
Dave went innnnn! This is father, uncle, grandpa figure and talking to we all need when comes to getting our finances together.
“Latte breath”😂😂😂😂😂 I love it when you talk spicy to me Dave!
I was SOLD when I first heard “Call the Wambulance” in 2017😅
I've used it so many times
😂😂
God bless Ramsey Solutions! Am debt free since November 2022. I have saved so much monies since then, than I have ever done in years past. I graduated from the University with a debt free degree. It was the best thing ever. God blessed me with a godly husband late last year, he came in with some debt, he is on board and we are walking this journey together. To God be the glory!
I need to listen to this every week … to keep track on my goals …
These rants keep me motivated.😊❤
You better! Or Dave will come knocking on your door. 😂
It keeps us going so I’m not complaining lol
I remember this rant and it helped me slowly understand finances. I always worked hard but didn't know finances until following Dave.
Dave Ramsey is the father I wish I had!
Heck yeah, literally all of my favorite videos in one
I got 2 mortgages, 16 years apart in different countries, without EVER having a credit card or credit score. The first paid off in 8 years and the second in 11 years without having a high income but being frugal.
I can remember the EXACT moment I encountered Dave here on YT. These videos have changed my life.
I do very much enjoy when Dave does 'voices.' Especially the wife ones, lol
I've change my son's future following the baby steps.
He's not going to have to face the the fear of not having enough money for basics.
He's not going to have to learn the hard way that almost killed me literally.
He's not burrowing money for anything.
he's almost done with high school, and will be attending auto mechanics at a cheap community college that I'll be paying for.
I'm an equipment mechanic. I've gone through diesel mechanics and welding. I'm so excited for the trajectory of is future.
Listen to him change my life for the better. No debt no student loan while people laughing at drowning in credit card debt. I’m happy with what I’m having and sleep through the night without worrying get kicked out of the house.
Step 6ish, no debt, but no house. Saving 33% of net, 25% gross. Favorite thing to do with extra money is tip beyond well to new servers.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $760k by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
Jenny Pamogas Canaya, that's whom i work with look her up and thank me later
Look for this book: "Bogleheads Guide to Investing". Look for it at your library.
Fidelity is the common one, the money guys did a how too Video
I love love love this compilation. It resonated with me a lot. Thanks to Dave became debt free in a year and a half after 20+ years of being in debt.
SO POWERFUL SO BRILLIANT DAVE RAMSEY FOR PRESIDENT
There are 2 reasons why I disagree with your statement. Otherwise I would agree one hundred percent
1. Dave believes that this this day in age set the vast majority of women. Are loyal decent kind and trustworthy in all aspects that matter in a true relationship A. Ending up in marriage. This is not been the case for more than three decades easily. Feminism or should I say feminazism...along With a hefty dose of reality drama queen t v... Have poison the mindset of majority of females who are now raising little girls and little boys to be little who res and little soy boys... And to have almost no accountability.
He thanks, anyone who lives or shacks up with someone. Regardless of the amount of time that never gets married will not be as financially secure as a couple as an actual married. On paper couple. A piece of paper does not prevent someone from betraying you... Any time a female feels like it. In the United States or America, she can reap a man to wall in court and will win 9 times out of 10 regardless of the reasons. Regardless of the evidence, be it family or divorce court
2. Unfortunately, he is too far right-leaning. To be the president that this nation is meant to have to finally resolve all problems if he had enough power to do so in the critical thinking, common sense skills to assess when to resolve which problems and how...
Throughout the past two hundred plus years of the united states of america's history,..... We have had nothing but Republican and Democrat. A k a resnublican ans demonrat... Because of a variety of reasons, which include it and may not be limited to a corrupt system in which lobbyists put in power who they want to put in power at any individual time, depending on the individual agendas at hand.... plus..... Brainwashing or should I say brain? Dirtying the masses with social media propaganda with the paid off lane stream. News media sites propagating that. There's really only 2 parties to choose from. When there's been a third choice, libertarian for many decades now.
At the core, if you do the same things you've always done. Especially using the same tools and the same methods. Can you expect different results? That is the definition of insanity
I'm fortunately, it is a safe bet and I can bet my Roth. I. R. A on this that Dave, Ramsey would never, ever come close to the intelligent balanced constitutional and historically sound mindset of some of the few very few saying good decent politicians such as Ron Paul to running our nation as it should be run... Although ron polish primarily ran as a republican out of his three a total attempts.... His core values reflect what a true libertarian is. As the constitution comes first and morally sound insane principles are hand in hand with that.
Unfortunately, Dave Ramsey would just blindly. Have no problem sending troops to any part of the world. Because quote good old boy. We pollution the world and we're the light of the world quote... Nonsense
That first one is my all time favorite. 😊
38:57 I love how Dave goes from 0 to a 💯 real quick 😂
These videos are hilarious, Dave screaming shut up to absolutely no-one 😂
I am 43 years old and have saved for retirement since the age of 25. I currently have an income of less than 30k per year. I've been able to save about 40k in the last 18 years. It's tight, but I'm able to pay basic expenses and I'm still able to save. If I can do it, anyone can. Dave is right, it's possible to save money if you cut out unnecessary spending.
You can do it!!! Keep it up!! 😊
43 minutes of awesomeness! If you don't have a loving dad Dave will give you some good wisdom in this segment!
43:28 Listened to the 'screamer' entirely, without distraction (no multitasking [ which is stupid in itself because humans can be at their best doing 1 thing { or 2, rarely, occasionally } at a time ] ): In other words, paid full attention.
* Your job/salary/work/business is the greatest wealth building tool
* Live on less than you make.
* Stop borrowing. Pay off all your debt. Get off 'debt addiction.'
* Save money.
* Invest in mutual funds.
* Do not take advice from 'broke' people.
Fabulous rant!! I loved it. America (including me) needed that. Thank you, David Ramsey. I'm on my way to success because of all I've learned from you.
I like it when he yells
I've watched these rants on their original videos, and this one just now. The perfect pep-talks to help me stay the course. After following Dave since 2019, I'm starting baby step 6 in April. Thanks for all your guidance Dave!
I do love a good Dave Rant! ❤🔥
I hope a lot of young people are listening to all his advise because this principles are not taught in school. There is a reason for it, they want people perpetually in debt. Be get you found this show.
If most Americans weren’t spending so much than his mutual funds also wouldn’t perform as well. One of the major reasons people like investing in the US market is that Americans like to spend.
A good old Dave rant!!
My parents always taught me to avoid debt like the plague, and if for whatever reason you have to take on debt work 2-3 jobs like a dog to pay it off as fast as humanly possible.
16:05 Had to laugh when he said "You need to get up off of your @$$umption".
I listen to his rants once a month. It keeps me on track!!! 👍🏻
have ju🎉 got on this way of budgeting and it's working. I'm in Australia, I can't get your app, so I'm just using a note book. I reckon we could use this in Australia. Because I'm just one month in and it's working. I'd like to help other people, but for now I'm encouraging family at the moment.
I’m in Australia too, suggest Frollo or Pocketsmith. Maybe one day we will get EveryDollar but given how small the Australian market is I doubt it.
I love Dave Ramsey!
Grew up poor, still poor but living my best life. However, Dave does give great financial advice!
Excellent lecture as usual. Thank you.
I am the person he is ranting about. The loser. The stupid. The dumb. And nothing he says offends me. It makes me realize how right he is. And I’ve made the change. Baby step 2 at gazelle intensity. Selling all my crap. Picking up side jobs. Strict budgeting. Strong effort at work getting raises. Let’s go!
You can do it mate. Go get it! As Dave says, the good thing about working too hard is you’ll pass out before you die! 😂
The financial “junk food” analogy is genius
"Big hat, not cattle" brilliant. My old boss used to say "fur coat, no knickers".
😂😂😂😂😂 that's awesome
life is about mostly working. somewhere in my mid 40s i realized i need to retire timely and just have been focusing on investing for said retirement. fortunately, i am in a good position because my monthly expenses are low.
Glad I came across your channel. I’m working on paying my debt. Definitely needed to hear that talk.
LEGENDARY THIS MAN IS!
Dave is a legend
Pure gold!!! Love these rants man! Don’t stop
Finally a compilation. You listened to us. Thank you!
Let me be real me listening and watching I missed the old video of Dave, But the growth over the years are amazing. I will always have respect for Dave and his team ❤
I love the rants! Most of the calls are annoying. People droning on and on with useless information and not getting to the point quickly. Dave has the patience of Job at times.
He's right,
There is a reason. Why we say, cut your cloth accordingly.
Modern day people laughed at me.
Because I refused to borrow money, refused, Fianance, refused credit cards, and I purchased a used car, I have no need for brand new car at all, it's totally meaningless to me , it has no bearing on my life at all and never will.
I was sensible , I was focused, I was in control, I had more money and no monthly payments.
I was patient over the long term , and everything in my home is fully paid for, that's real freedom.
And my stress is almost Zero , nil, 0 , I know which life I prefer , and I'm totally at ease .
Walmart for entertainment 😂😂😂😂😂😅😅😅
Right I guess I’m a redneck lmao😅
5:01 44k suv when you male 80k is stupid
16:40 calls money market accounts stupid compared to mutual funds
20:01 do a unique budget for each month
21:01 re-review
23:01 retire w/ 7mil
Starting at average income would actually be an excellent starting point considering that average calculation includes people with 30 years of raises and career progress behind them.
That’s true. I will say though with a plan, a willingness to act as a free agent and a bit of patience a person can grow their income dramatically.
I just turned 33, I didn’t crack $40K until I was 27 and now I make 6 figures.
There's such a difference between pre co-host Dave and post co-host Dave
Dave got tempered by having a co-host. Goes less hard on people.
I agree. I understand his co-hosts are a way for him to retire and keep the message going, but I like the highly caffeinated rants of years ago Dave!
@@es429I hope this show and Ramsey Solutions as a whole never goes away. We as a nation need this show/company and its programming cuz we're high in debt and don't know how to pay it off on our own. Dave for President 2024 LOL
It’s hilarious. I started following him when I discovered FPU in September 2018. I think that was the tail end of his solo days. Very different, indeed. I’m really glad to have this version to listen to from time to time. Less PC, more direct.
His advice may not be right for everyone but his clips sure are entertaining...
Love me some Dave rants! Thanks Ramsey team for putting this together.
Think think think think!! Absolutely love these rants😂
On baby step 3 🎉 am saving as much as i can
I'm dying laughing over a lot of this! "We don't finance a dog or cat"...🤣
Im going to listen to this every morning!
This video compilation was a long time coming. It’s not the video we deserve, it’s the video we need.
LATTE BREATH 🤣🤣🤣 I feel so called out. I am debt free tho but 😅I need to cut that Starbucks addiction
Yeah! "Latte breath" just about made me spit my coffee! LOL
Tell them Dave!!! 💪🏼
Honestly his rants are more exciting than his calls.
Agreed!! I'm really not interested in his other 'personalities'.
I love this guy. His advice is so helpful and he helps us figure out how to handle our legacies. I myself am about to start week 4 of that program.
I needed this today! Im pumped! Gotta keep going 💪🏽
I wish Dave was my Dad sometimes 😂
Dave was cookin at minute 29! My favorite rant from him of all time! 😂
Dave, I saw a vid of you in 1995, and just wanted to say You look better now!
love this! cant wait for vol 2 lol
I had a moment when my wife mentioned that "by then I will be due to upgrade my Car". I think I said that there is no used by date on the car. It works fine I service it myself regularly and it is economical. No way you are "due" for a car upgrade. You had want to find some dividends to pay for that, for you because all I have is money for investments. It wasn't welcomed advice but the truth, so the heat wasn't too bad coming back after that.
😂.. SHUT UP!...SHUT UP!....I love that part!
Thank you Mr. Ramsey for what you are doing! We are debt free except mortgage for a couple of years now, God’s hand and brilliant advises from the TMM book helped me get through 2 consequential layoffs. And yes we sometimes need that shock therapy to wake up. But it’s the truth, somebody has to say it!
It’s crazy that America is so caught up with credit scores and stuff. Only nation in the world. In all of Europe, there is no credit score : you have manual underwriting for all loans and it works perfectly fine ! We have debits cards and also works perfect.
We give a total money makeover book to every couple that gets engaged. When things get tight for them my husband says to them , did you read the book? You need to read the book
Dave has become wealthy telling people what their fathers used to tell 'em.
😅😅😅😅😂😂😂😂these rants are golden
Dave one question please so I rent I do have debt with credit cards but my credit went down once my mother passed I had to pay for her funeral. I want to know do I pay credit cards off and then keep one to use to keep helping my credit score or is not that important when living the way to be a millionaire??
Paying off your debt will inherently improve your credit until it eventually goes away. If you ever carry a balance or have credit card debt, you are NOT a credit card person, and you need to get rid of them. You can be a creditless millionaire, and you need to be if credit is too tempting for you
Never mind Save near the end if the video you told me about credit scores only needed if you have no money and need to barrow 😊 absolutely do not want to barrow anything anymore EVER❤
@@ProbablyBasedthank you sooooo much for this advice well needed it and I appreciate your time today God bless😊❤
Dave answered that in the video. No credit cards and you don't need a credit score.
@@cherrypieforbreakfast1499 ty hun!
Mannnn, I needed it
When it comes to saving money in a mutual fund it's totally doable. Thankfully I started learning about mutual funds at 23 years old and at 23 I could only put away was about 50 Bucks a month. I did that for 5 years and then I was able to bump it up to a 150. 5 years after that I was able to put away about 350, the whole time staying out debt. I'm 36 years old and there are only 2 financial regrets in my life: I was too scared to invest $2,100 in the stock market and in 3 months turn into $16,000 when I was nineteen, and I bought a new car at twenty-five.
Financing your dog is a new one to me😂
I got a credit card for the first time in my life to get a credit score so I could buy my first house. I canceled the credit card right after I got the house on mortgage. Never want one again.
I'm from Russia. And - yes, we can quit and find a better job easily! All Ramsey's advices work here.
One exception - most people here can start from baby step 3, because almost nobody have student loans. In Russia parents consider it to be their duty to pay for education of their children, and mostly feed them, while they study. If they are not able, children study for free in schools they are able to get free, according their succeses (if you really good at school, you have a right for free high education). Or they just start their career, and study while working.
At the same time, it sounds wild, when a grownup child doesn't support his parents. Most of us do. But that's usually starts when we are 45+, so that means our career is on the highest point, and mortage's payed of. So, it isn't too difficult.