I'm Embarrassed To Live Below My Means!

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  • เผยแพร่เมื่อ 21 พ.ย. 2024

ความคิดเห็น • 811

  • @derekhayter4879
    @derekhayter4879 ปีที่แล้ว +1207

    Rather look poor with good money in my bank account than to look rich but struggling to pay bills.

    • @Ray-von_Shabba
      @Ray-von_Shabba ปีที่แล้ว +19

      Yep me too

    • @Ldj8000
      @Ldj8000 ปีที่แล้ว +39

      BIG HAT🎩 no cattle...

    • @ralphholiman7401
      @ralphholiman7401 ปีที่แล้ว +77

      My wife was a career bank employee. The two kinds of people she found amusing, were the people who acted and looked rich with $150 in their accounts and the people who looked and acted poor with $150,000 in their accounts.

    • @vickieclark5931
      @vickieclark5931 ปีที่แล้ว +39

      Same here. I don't have all the cool gadgets, but I have money left over every month. That is what makes me sleep well at night.

    • @reese85
      @reese85 ปีที่แล้ว +7

      @@ralphholiman7401that’s cool and in all but it’s one thing to look poor and have some money in the bank vs living poor to have money in the bank. I’m not trying to live poor just to say I have money in the bank doin nothing with it

  • @everydy
    @everydy ปีที่แล้ว +867

    It's been such a huge blessing understanding that other people's opinions don't pay my bills 😂

    • @jaybah836
      @jaybah836 ปีที่แล้ว +13

      To the tee

    • @stevenporter863
      @stevenporter863 ปีที่แล้ว +20

      If they don't pay the bills they don't get a say.

    • @evelynherrera-gonzalez1474
      @evelynherrera-gonzalez1474 ปีที่แล้ว +1

      🤣

    • @costco_pizza
      @costco_pizza ปีที่แล้ว

      And exactly what kind of life is it to live in a small apartment and drive a used Honda all day? That is not a proper way to live your life. Get the house and car that tells the world you are a somebody, not a nobody.

    • @andreamiller6200
      @andreamiller6200 ปีที่แล้ว +9

      I was going to comment to say EXACTLY what you did but you said the full stop sentence. I do not have an inner voice that makes me question anything anybody may happen to say regarding my way of life. I had plenty of chance to put this to the direct test, as I drove my Toyota Tercel for 23 years, parking it with pride in the doctors' parking lot (I am a physician who went to medical school at age 38 so had to live frugally to making that happen). It generated a lot of talk and quips but it just made me prouder that I lived by my values and budget, and I noticed a surprising amount of envy at my freedom. To this day I still do not live outwardly lavishly because I don't need nor want to, and I am immune to the comments of others about living below my means.

  • @commonsenseisntcommon1776
    @commonsenseisntcommon1776 ปีที่แล้ว +230

    I stopped caring what people think of me years ago. If you arent paying my bills, why should I care what you think?

    • @angel-ij4xv
      @angel-ij4xv ปีที่แล้ว +4

      the exactly well said

    • @schrodingerssquirrel6973
      @schrodingerssquirrel6973 ปีที่แล้ว +22

      Lions don't worry about the opinions of sheep.

    • @mattschmitt9924
      @mattschmitt9924 ปีที่แล้ว +9

      I tell people, "what you eat doesn't make me poop."

    • @fernleafmedia
      @fernleafmedia ปีที่แล้ว

      You should definitely care what I think because I'm cool like ice.

    • @anthonyfaucy2761
      @anthonyfaucy2761 ปีที่แล้ว +5

      I wish I never cared what others think especially when I was younger. You realise just how ignorant and egotistical people are in society as you grow up

  • @PaddyFullyRandom
    @PaddyFullyRandom ปีที่แล้ว +129

    If your broke friends are making fun of your financial plan, you are right on track. - That is just pure gold.

  • @floridahomesteader7983
    @floridahomesteader7983 ปีที่แล้ว +270

    My husband took a week of “vacation” last week and we spent the time just sleeping in, hanging out, and getting caught up on tasks around the house. Everyone seems so shocked that we didn’t go on a “real” vacation. We love being at home and don’t feel the need to “escape”.

  • @wtk6069
    @wtk6069 ปีที่แล้ว +238

    Caring what others think is a worse problem for Americans than even their debt.

    • @mmp495
      @mmp495 ปีที่แล้ว +19

      This is why over 50% of America is in cc debt. They are always comparing themselves with ppl around them and are undeciplined.

    • @LittleMopeHead
      @LittleMopeHead ปีที่แล้ว +12

      Keeping up with the Joneses....and comparing with others on social media. Big mental issues in the next decade.

    • @anthonyfaucy2761
      @anthonyfaucy2761 ปีที่แล้ว +6

      Thats how the government wants it. People in debt are easier to control

    • @John3.36
      @John3.36 ปีที่แล้ว +1

      There is a balance, because in order to live you will have to carry about what other people think. There are also times when you disregard what other people think.

    • @LoveLife-oo9cz
      @LoveLife-oo9cz ปีที่แล้ว +5

      That's why I stopped caring about what people think. I gave a brand new rice cooker to the in law and she threw away in trash. After that, no free stuffs from me and they got mad. Stupid people.

  • @YoPhocFays
    @YoPhocFays ปีที่แล้ว +453

    I find it a badge of honor living below my means. Someone criticizes me, I smile and move on. Deep inside, my answer is, "at least i'm not up to my ears in debt"

    • @Cookieboy70
      @Cookieboy70 ปีที่แล้ว

      Smile, lift that nose up, and love the smell of your own farts. Beautifully pretentious, very nice.

    • @tonytoni1150
      @tonytoni1150 ปีที่แล้ว +54

      Like our teachers used to tell us: “Keep your eyes 👀 on your own paper.”

    • @wewhoareabouttodiesaluteyo9303
      @wewhoareabouttodiesaluteyo9303 ปีที่แล้ว +1

      @@tonytoni1150 I do that and I get a lower score than pawning off answers from someone else. It is almost as shifty as a cop stating "If you tell me you have something illegal, I will not arrest you." You tell them and they arrest you. If you want to get ahead in life, you have to be as honest as possible, but know when you need to leverage.

    • @karlabritfeld7104
      @karlabritfeld7104 ปีที่แล้ว +2

      Me neither

    • @nervotica7991
      @nervotica7991 ปีที่แล้ว

      They criticise you, because they KNOW you have money, but act like a pauper. Grow up and start blessing people. Normal people detest folks like you.

  • @darylfoster7944
    @darylfoster7944 ปีที่แล้ว +29

    We spend money that we do not have, on things we do not need, to impress people who do not care.

  • @jaywalk6628
    @jaywalk6628 ปีที่แล้ว +88

    Somebody makes fun of our twenty-year-old vehicles and I take it as a compliment, I hope they speak up this week so I can tell them that our mortgage balance is $834.37. Thanks Dave.

    • @jenniferspisak
      @jenniferspisak ปีที่แล้ว +6

      Great work

    • @Mujcanal
      @Mujcanal ปีที่แล้ว +2

      Congrats ! great strategy.

    • @alleykeosheyan4779
      @alleykeosheyan4779 ปีที่แล้ว +6

      Hubby drives a 1985 RamCharger, I drive a 1993 Dodge pickup, and an 06 Chevy Monte Carlo is our "town car." All paid for. TV came from a pawn shop, as did the computer I type this on. Both of us work just part-time and have a couple of side hustles, but we have enough to cover the bills, take the occasional vacation, put money aside, and give to those in need. We're not as far as you guys are with paying down our mortgage, but we will get there!

    • @llkit1
      @llkit1 ปีที่แล้ว +2

      Congrats man that's freaking awesome. I hope to be in ur shoes someday!

    • @michaelduck1644
      @michaelduck1644 11 หลายเดือนก่อน

      @@alleykeosheyan4779Leep it up! God has blessed you! Praise God!

  • @r.durante528
    @r.durante528 ปีที่แล้ว +251

    It’s a blessing to live below your means. It gives you greater opportunities to give to others who truly are in need.

    • @vickieclark5931
      @vickieclark5931 ปีที่แล้ว +14

      Yeah, there's no way to get ahead if you live at or above your means. Living below your means is how you become comfortable or even in many cases, wealthy.

    • @whatever3041
      @whatever3041 ปีที่แล้ว +5

      Durante, that is such a nice thought

    • @willelliott5052
      @willelliott5052 ปีที่แล้ว +7

      Indeed, frugality is a virtue. Hardly anyone who cannot control their spending on themselves is truly a kind person.

    • @anthonyfaucy2761
      @anthonyfaucy2761 ปีที่แล้ว +1

      Lol nope. Its about looking out for number 1 and ones own family. People wouldn't help you so why help others?

    • @supershrpy
      @supershrpy ปีที่แล้ว

      That's not a blessing, that's called a DECISION. Hello

  • @iomis2001
    @iomis2001 ปีที่แล้ว +129

    I live in a small one bedroom house I own. I am 43 and sometimes the people who judge me are living in a large home they can hardly afford or are paying high rent to live somewhere.
    Yeah my 450 sq feet house is small, but I own it and I have money left over. I could have gotten a bigger home and be struggling, but why?

    • @ykook7000
      @ykook7000 ปีที่แล้ว +10

      Why would a single person buy a big house anyway just more effort and waste of money to maintain and clean it....common sense

    • @iomis2001
      @iomis2001 ปีที่แล้ว +5

      @@ykook7000 People buy big things for status. As if that matters.

    • @sblijheid
      @sblijheid ปีที่แล้ว +1

      Lower property taxes too.

    • @jameywallace5133
      @jameywallace5133 ปีที่แล้ว +2

      You are the goat! I aspire to be in that position soon

    • @lolwtnick4362
      @lolwtnick4362 ปีที่แล้ว +2

      ugh cleaning a huge place gives me nightmares lol

  • @Dranach01
    @Dranach01 ปีที่แล้ว +11

    Was once told by an acquaintance, “ You’re always driving those older cars” , he had just gotten a new car. Just before I could say anything someone else said “at least he doesn’t owe it to anyone”😁. No mortgage and I’m happy with my 2014 Paid for Chevy Cruze.

  • @markg999
    @markg999 ปีที่แล้ว +237

    Living below your means is how you get ahead. It's not what you make but what you put aside.

    • @reese85
      @reese85 ปีที่แล้ว +8

      It’s also partly what you make cuz how else would you be able to put money aside

    • @fatimamanneh9432
      @fatimamanneh9432 ปีที่แล้ว +19

      @@reese85 his point was most people who make 250k a year are broke because they buy things they don’t need someone can make 50k a year & have more money saved

    • @kimdavis5403
      @kimdavis5403 ปีที่แล้ว +2

      Slam dunk!

    • @reese85
      @reese85 ปีที่แล้ว +3

      @@fatimamanneh9432 I get that but my point is. You can’t say it’s not about what you make cuz that’s absolutely not true

    • @markg999
      @markg999 ปีที่แล้ว +2

      @@reese85 True i mean I think it's sort of obvious if your making a low income it will be hard to get ahead. Most people struggle with spending not income issues.

  • @oshun2866
    @oshun2866 ปีที่แล้ว +6

    I had a relative comment on when I was going to upgrade from an apartment to a home. As if she knows my financial goals. The second you are in need those are the last people to help.

  • @davidgerke7150
    @davidgerke7150 ปีที่แล้ว +45

    I lived in a pretty small house for 3 years. I loved how cheap it was and how easy it was to clean and maintain. When someone would comment on how small it was, I'd just reply "Yeah, thanks!!"

    • @kingberry100
      @kingberry100 ปีที่แล้ว +3

      Cheap stuff is better than expensive stuff

  • @MrNiceGuy500
    @MrNiceGuy500 ปีที่แล้ว +62

    It’s interesting to see how people treat you when you live far below your means. The genuine people will treat you right.

    • @aolvaar8792
      @aolvaar8792 ปีที่แล้ว

      You make $360K/yr, why are you living in the Hood, taking a $100K house away from Poor folks?

    • @karenk2409
      @karenk2409 ปีที่แล้ว +2

      Your friends are your friends because of who you are, not what you have. If that's not true, they are NOT your friends. Find new friends.

  • @karenk2409
    @karenk2409 ปีที่แล้ว +10

    I love, love, love growing old with no debt, a paid off home, and living below my means. I spend money on things that enhance my life without a second thought, my credit rating is superb, and I couldn't care less what anyone else thinks (who entitled them to even have an opinion? You have to wonder why someone is obsessed with judging someone else's life). I start every single day with a prayer thanking God for peace. You can't control many things in your life, but you can control your finances.

  • @ColleenMarble
    @ColleenMarble ปีที่แล้ว +46

    I love living below my means. But the comments are ridiculous. I remember when I got engaged, I was so happy with my ring, and the first comment one lady made upon seeing it is, "ooh, and there's room so you can upgrade the center stone to a bigger one someday!" 30 years later, I haven't forgotten how focused she was on the size of the stone rather than my happiness. I vowed then and still vow to never do that to someone else and to never live a life designed just for the opinions of others.

    • @linuxsurfer2002
      @linuxsurfer2002 ปีที่แล้ว +6

      "I like the size of this stone just the way it is"

    • @dolphinbear661
      @dolphinbear661 ปีที่แล้ว +6

      I got married without an engagement ring. We were broke, but in love. Years later I got the dainty, precious 1930's band with tiny diamonds his grandpa had given his grandma when they were broke & in love at the outbreak of WW11. I will never need another ring.

  • @Youdontneedtoknowmyname3-iu1vk
    @Youdontneedtoknowmyname3-iu1vk ปีที่แล้ว +90

    I have said before " the day you pay my bills is the day I'll give a damn what you think" after that people fix their face😂

    • @cl8wnm5n
      @cl8wnm5n ปีที่แล้ว +5

      🤣🤣🤣

    • @tspencer661
      @tspencer661 ปีที่แล้ว +3

      👏🏽👏🏽👏🏽👏🏽 Well said.

    • @ykook7000
      @ykook7000 ปีที่แล้ว +1

      💯

    • @sblijheid
      @sblijheid ปีที่แล้ว +2

      I just tell them that it is my business and I'm the one minding it if someone is dumb enough to say something. No one who really knows me says anything.

  • @jollama
    @jollama ปีที่แล้ว +21

    Acting poor while secretly being rich and having no debt is the dream

  • @billmelater6470
    @billmelater6470 ปีที่แล้ว +40

    "I didn't buy it for you". Simple as that.

  • @MinkieWinkle
    @MinkieWinkle ปีที่แล้ว +194

    Too Embarrassed to live below your means?
    How about start being Embarrassed about living a life of debt and never amounting to anything

  • @dodg1988
    @dodg1988 ปีที่แล้ว +11

    Not caring about others' opinions and living in contentment was one of the best decisions in my life.

  • @bigcahuna42366
    @bigcahuna42366 ปีที่แล้ว +17

    I'm proud that I don't understand how bankruptcy, payday loans, cash advances on C/Cs, overdraft fees, variable rate mortgages, HELOC loans, car leases, buy now pay later programs, whole life insurance, etc work. Never used them and it brings me incredible peace and lower blood pressure readings.

  • @cathyosullivan718
    @cathyosullivan718 ปีที่แล้ว +48

    I never understand why some people care what other people are wearing, what they’re driving , where they’re living. People need to focus on themselves!

    • @aolvaar8792
      @aolvaar8792 ปีที่แล้ว +3

      Without a mirror, you don't know what you look like.

    • @mmp495
      @mmp495 ปีที่แล้ว +10

      You know what looks and feels great? Being debt free. 😊 💰 🤑 👌

  • @KathleenMcNe
    @KathleenMcNe 8 วันที่ผ่านมา +1

    I'm fortunate that I have never cared what people think about my lifestyle. I have always lived well below my means (which is why I have zero debt and an eight-figure net worth) and continue to do so.

  • @969thewhip
    @969thewhip ปีที่แล้ว +31

    I paid my house off over 2 years ago and still drive the same old vehicle I had when I had a mortgage. I luckily stayed ahead on everything but I was one setback away from going broke at one point. I hate dept with a passion.

    • @vickieclark5931
      @vickieclark5931 ปีที่แล้ว +4

      Yeah, that's how many of us learned how to handle our money was getting really scared about paying our bills. Happened to me years ago. NEVER AGAIN!

    • @suebotchie4167
      @suebotchie4167 ปีที่แล้ว +3

      Amen!

  • @michelejohnson6459
    @michelejohnson6459 ปีที่แล้ว +11

    My mother hated my 25 year old toyota because we were debt free including house.I told her this is a problem a check from her could solve!😂😅

  • @dr_pinna543
    @dr_pinna543 ปีที่แล้ว +55

    In 2019 I was embarrassed by my 2006 Mazda 3 when my student intern had a nicer car. I had paid it off within 3 years so it was almost 10 years with no car payment. I used the same excuses past callers have made to justify buying a new car (safety, no Bluetooth, no power windows/locks, manual transmission). I've regretted having a car payment the last 4 years. 2 more months until I pay it off and I don't plan to buy another car unless I can pay cash. Comparison is the thief of joy. I could've said in my head, "at least I don't have student loans and own a 4 bd/3/ba house".

    • @thobilehlubelihlehadebe331
      @thobilehlubelihlehadebe331 ปีที่แล้ว +5

      Same experience and regret here 😢. I miss the days when I had no monthly car repayments. Im pushing to pay mine off in 4 years instead of 6. Never again 😢!!

    • @genxx2724
      @genxx2724 ปีที่แล้ว +5

      I do think it’s important to have the new safety features. When the car is paid off, keep making the payment to your savings account. When you need a new car, you’ll have the money to pay cash. And who cares what the intern drives? Maybe his parents bought the car for him, or maybe he’s in debt.

    • @peter-jm1pu
      @peter-jm1pu ปีที่แล้ว +3

      “Comparison is the thief of joy.” well said.

    • @LukeofAllTrades.
      @LukeofAllTrades. ปีที่แล้ว +4

      I miss my old Mazda 3. Got a new (used) car when it had some major trouble, should've just spent the money to fix it. Great little cars.

    • @linuxsurfer2002
      @linuxsurfer2002 ปีที่แล้ว +4

      @@LukeofAllTrades. Yeah many of us are guilty of that line of thinking: "Oh man my car needs MAJOR repairs! Instead of spending $3000 to get it fixed, it makes more sense to spend $15,000 on a replacement car."

  • @sanjaypatelmd4669
    @sanjaypatelmd4669 ปีที่แล้ว +47

    Living below your means is always good!

  • @ColleenJoudrey
    @ColleenJoudrey ปีที่แล้ว +33

    There is so much peace that comes along with being secure about a decision made.

  • @30Allaboutme
    @30Allaboutme ปีที่แล้ว +38

    This reminds me of when I used to make fun of my brother for wearing 10 yr old clothes and shoes and driving a beat up car. Come to find out he knew The Ramsey plan since his early 20 s and now can take 6 months off after being laid off from his job at the age of 36. ( company got bought out and he got severance) Also can afford to buy a house cash but chooses to live in a studio apartment while driving his 2005 Honda lol
    So who’s the fool now 😊😮
    Like Ramsey says, “ The people who look like they have money don’t and those who don’t do.” ( something like that )

    • @LoveLife-oo9cz
      @LoveLife-oo9cz ปีที่แล้ว +1

      So he can buy a house with cash but choose to pay rent in an apartment? Different people, different view I guess.

    • @littlesongbird1
      @littlesongbird1 11 หลายเดือนก่อน +1

      @@LoveLife-oo9cz Hey may have the viewpoint, and I can see this, that it's better to rent because when something breaks, the land lord has to fix it and the landlord has to maintain the property. However I am with you, if I could afford to pay for a house in cash, I would probably just be seeing if the property tax and maintained costs would be less than my rent and going for it as well but to teach their own!

    • @littlesongbird1
      @littlesongbird1 11 หลายเดือนก่อน +2

      "Like Ramsey says, “ The people who look like they have money don’t and those who don’t do.” ( something like that )" This! 100%. Now I see nothing wrong with treating yourself on occasion if you can afford it (I make it a point to save and live below my means all years but once a year when I take my real vacation so to speak where I go to a destination, I use that money to pay for some fun time with my two besties!" ) But I have a friend who always posts about having the last toy (think go pro camera when they first game out, or those electric bikes) and going on trips several times a year but recently found out he needs surgery and is panicking about taking a few weeks off of a work and how that will hurt his finances because he has nothing saved.

    • @30Allaboutme
      @30Allaboutme 11 หลายเดือนก่อน

      @@LoveLife-oo9cz so him and his wife at the time did buy a house cash. But when he asked for the divorce she told him I’m not the one asking for it so I’m keeping the house . She had to pay him out

  • @ConversationswithNate
    @ConversationswithNate ปีที่แล้ว +3

    "How anchored are you?" Such a good question to ponder

  • @GrnXnham
    @GrnXnham ปีที่แล้ว +48

    Don't worry about what others think of you living beneath your means.
    You will get the last laugh with this one! I just retired 3 months ago at 54. Everyone we know who has a similar age and income are scratching their collective heads wondering how we retired years before they are able to. They, of course, have spent their entire lives trying to keep up with the Joneses and have nothing saved for their retirement.

    • @mocheen4837
      @mocheen4837 ปีที่แล้ว +2

      I save and invest all the time, but I grew up poor in a single family household. I can never catch up to my friends who were born wealthy. My friends grew up with nice clothes, new cars, allowance, college tuition covered and were given down payments for their homes. Most of them retired at 50 and are worth 10 million and up mostly because they started life with a leg up. I was several years behind them since I could not afford college and had to save for my downpayment. They are all millions of dollars ahead of me in terms of wealth. Having parents with money makes a difference. I am in a position to provide for my children now and I can see how investing in your children increases their earning potential. I was able to send my children to private school. Both kids are straight A students and very well rounded. My daughter received basketball scholarships for college but turned them down to take a STEM scholarship. She received multiple scholarships to cover her tuition and receives a monthly stipend to cover costs. He scholarship has been extended to cover her PHD as well. She is always on the Deans list and will be interning at a top Biotech company in the Bay Area. My son is a top student at his high school and will be applying to college next year. He is already certified in several coding languages and is planning to work in the Biotech industry as well.

    • @MamaHarperr
      @MamaHarperr ปีที่แล้ว

      @@mocheen4837 You have done wonderful by your children. Investing in them, in all ways, truly makes a world of difference 💜💜

  • @wadeharris348
    @wadeharris348 ปีที่แล้ว +22

    I left my job with nothing lined up because I had massive savings and investments by living within my means. Everyone at work thought I was crazy not looking for promotions. Little did they know I had money to fall back on and they're still at the office grinding. Looks like I got the last laugh.

  • @bethanyg153
    @bethanyg153 ปีที่แล้ว +4

    When someone makes a comment like that, it’s just information to help you to decide who you want to gravitate to and who you want to limit time with.

  • @Zatoichinisanyon
    @Zatoichinisanyon ปีที่แล้ว +11

    Living within your means looks like living below your means when everyone is living beyond their means.

  • @darabowen8077
    @darabowen8077 ปีที่แล้ว +7

    It is none of anyone else's business how I live, what I have, or how much money I have. I CHOOSE to live the way I do, and if I'm happy that's all that matters. Thank you Lord for giving me what I NEED. 🙏❤️

  • @carltonpresley5415
    @carltonpresley5415 ปีที่แล้ว +65

    I empathize with this person honestly. I live within my means as well. But the temptations of having a newer vehicle, house, or just better quality of life seem so much more enjoyable. Just have to remain grateful for what you have and know your sacrifices you make now will pay off in the long run.

    • @stuffykong
      @stuffykong ปีที่แล้ว +6

      There's always going to be bright-shinies. I try to adopt a "look but don't touch" philosophy about it. I also realized that my impulse control was not where I wanted it to be and I find the more that I steer clear of impulse based purchases, the easier it becomes.

    • @lagarde2011
      @lagarde2011 ปีที่แล้ว +2

      I think this is something that a lot of us following Ramsey or similar programs struggle with. We try to keep the eyes on the prize but sometimes it's not so easy. Nothing wrong with admitting it.

    • @BlackMuslimConservative
      @BlackMuslimConservative ปีที่แล้ว +2

      This is why Dave preaches, "Live like no one else so you can later live like no one else."

    • @mmp495
      @mmp495 ปีที่แล้ว

      I had my frustrations when I wanting "things" but I knew I was close and always kept my principles and family in mind. I knew there were greater things to come.

    • @linuxsurfer2002
      @linuxsurfer2002 ปีที่แล้ว +11

      For me, I know for a fact that the "new car" smell/feeling/etc is nowhere near worth the cost. After 6 months, the newness wears off, but the payments don't.

  • @SDALLE99
    @SDALLE99 ปีที่แล้ว +13

    An added bonus to looking poor is you don’t get targeted. You never knows, nowadays flaunting money is a death warrant.

  • @lsgsrob2102
    @lsgsrob2102 ปีที่แล้ว +22

    It will always blow my mind that so so many people care about what others think, especially strangers. Fuck em, who cares.

    • @erikybarra3898
      @erikybarra3898 ปีที่แล้ว +2

      It's all about social status I suppose.

  • @allenhuling598
    @allenhuling598 ปีที่แล้ว +4

    Ringing in my ears is your quote, 'live like no other so that you can live like no other!' Nuff said!

  • @calibanxpable
    @calibanxpable ปีที่แล้ว +3

    This happens to me too. No one outside of me is better than me. Everybody has problems. Their problems are not mine.

  • @toddryan0108
    @toddryan0108 ปีที่แล้ว +10

    This was a great question and conversation. Seems to be a serious problem amongst certain people thinking that they get a vote into your private life.

  • @Reaperman4711
    @Reaperman4711 ปีที่แล้ว +20

    It bugged me a few weeks ago. I got pulled over because the police didn't believe I'd just bought a car 15+ years old, so I must be on a counterfeit temp plate. Once they saw the paperwork I was on my way, but I imagine they drove off thinking I was dirt poor.

    • @kl3271
      @kl3271 ปีที่แล้ว +1

      This is why I love my nice vehicles. I'd rather avoid being a target of prejudice...

    • @NinaKeilin
      @NinaKeilin ปีที่แล้ว +1

      @@kl3271 Nope. I got a ticket once (not speeding) driving a borrowed BMW. Don't get tickets in my old Subaru.

  • @sydnismith9796
    @sydnismith9796 ปีที่แล้ว +13

    I’m really glad you all addressed this. I think so many people can relate.

  • @krissyrivard7485
    @krissyrivard7485 ปีที่แล้ว +3

    You don't have any obligation to explain yourself to other people. Choose what you prioritize, and be accountable to that.

  • @stevegolacks8731
    @stevegolacks8731 ปีที่แล้ว +4

    Our neighbors think we are "poor" due to the car we drive. BUT its interesting...they also are very confused as to how we are retired at 50.
    Every morning, I sit outside sipping my coffee, watching the sun rise, and wave to this 66 year old in his BMW as he about to venture into gridlock traffic. I am very nice about and I make sure I wave to him again as he comes home at about 7pm, when I am grilling in flip flops and tank top, glass of wine in hand.
    Choices.

    • @antepavic6786
      @antepavic6786 7 หลายเดือนก่อน

      You dropped this 👑

  • @RPMcMurphy33
    @RPMcMurphy33 ปีที่แล้ว +4

    Living below your means is having an attitude of gratitude. Know who you are and stand firm in your gratitude.

  • @mmp495
    @mmp495 ปีที่แล้ว +8

    This has been the most freeing aspect of this journey is not caring what others think, remaining laser focused on your path. Two houses paid off 💯 debt free and able to do whatever the flip I want.

  • @lwscijunkie
    @lwscijunkie ปีที่แล้ว +3

    I get inner giggles...because I feel smug about appearing to be much less affluent than I am. I would not pay one thin dime to impress people who care about such things.

  • @gessrinky9129
    @gessrinky9129 ปีที่แล้ว +5

    I think people often look for faults in others to be superior…people love to “have one on ya”

  • @carolverdin6391
    @carolverdin6391 ปีที่แล้ว +5

    My personal favorite comeback is always, "Once you are out of debt, if you dont like it, you can always go back." I get the oddest looks, haha!

  • @cash5627
    @cash5627 ปีที่แล้ว +6

    You know, I've got my starter emergency fund, my debt snowball begining to roll and I'm decked out head to toe in good ol' Walmart clothes. Having that piece of mind that I'm financially covered no matter what makes them George shirts feel like Gucci.

  • @HatedJared
    @HatedJared ปีที่แล้ว +3

    We have an old family friend that has several hundred million dollars in the bank. He drives a beater 1988 ford pickup. Has worn the same ratty sweatshirt the last 20 years I have seen him, and lives in a nice, but modest house. You'd never know he was as wealthy as he was. I one day hope to be that cool.

  • @wickedbird1538
    @wickedbird1538 ปีที่แล้ว +1

    😮😮My 94year old mom has lived in her paid for small home for decades. She lives debt free and lives mainly on her Social Security. She still has most of her 401K and she paid cash for her last vehicle because she lives below her income. She is at peace with her finances. (She was a single mom and worked as a cake decorator most of her life)

  • @jacobstrouble6631
    @jacobstrouble6631 ปีที่แล้ว +8

    Love living in my $100k townhome working from home. So easy to go to the store with whatever I'm wearing around the house on my 6-figure salary driving my 2005 pickup. No lifestyle creep or house upgrades for me.

  • @lc9493
    @lc9493 ปีที่แล้ว +3

    You cannot control what other people will say but you change your mindset. When you can live your life without needing other peoples approval, it can be pretty liberating.

  • @b.bernal6151
    @b.bernal6151 9 หลายเดือนก่อน +1

    Maybe it’s not the size, but the fact that you need to take pride in your home. Keep it clean and take time to decorate it and make it welcoming. Make it your sanctuary.

  • @fauxbro1983
    @fauxbro1983 ปีที่แล้ว +27

    Quit caring is key to not bring broke. Lol

  • @AllynHin
    @AllynHin ปีที่แล้ว +8

    My MiL does this to me a lot. She's all about how big and grand and fancy her things are -- the house, the furnishings, the car, et al. They live way over their means. I've had big, grand, and fancy in my first marriage and it didn't make me happy (though I will admit I miss the rose garden and the maid service). This time around, I like small, quaint, and pragmatic, but she'll make 'suggestions' on how we can fancy things up because she thinks I certainly wouldn't live like this if I knew how to make it better.

    • @keith-kb1zl
      @keith-kb1zl 10 หลายเดือนก่อน

      the most insecure people that are constantly seeking validation from others will always tell you no matter what they have how much this or that costs.”this suit cost 3,000 dollars “ ,”we decided to put little Johnny in this private school it’s 4,000 dollars tuition but we can afford it” “we got a great deal on the bmw for 90,000 dollars “,and so on , the latest in vogue living room furniture set, it’s just insecurity to have to tell people constantly how much you paid for the latest gadget..🤦‍♂️🤦‍♂️🤦‍♂️

  • @danieldpa8484
    @danieldpa8484 ปีที่แล้ว +6

    I love living below my means - nobody knows how much money I have, I know if issues like unemployment happen, I can survive 5 years before issues start, without cutting a single cost or getting any money from benefits or whatever. Peace of mind is wonderful

  • @Lonovavir
    @Lonovavir ปีที่แล้ว +32

    Just wait until the economy gets really bad, and then those who live below their means will feel relief, if not joy. Those who live above their means will end up broke real fast.

    • @vickieclark5931
      @vickieclark5931 ปีที่แล้ว +5

      Exactly! That's why some of us aren't freaked out over inflation like others are. If you live paycheck to paycheck then the higher costs of food, gas, and other things will keep you from sleeping at night. but if you have extra money, then you don't feel the hit on inflation the same. Sure we all know prices have gone up, but those higher prices aren't going to dictate if we eat or not if we have some padding in the bank account.

    • @mateus8676
      @mateus8676 ปีที่แล้ว +3

      @@vickieclark5931 It's true, inflation is more of an inconvenience rather than a crippling burden when you have margin in your budget. 8-12 months emergency fund is also a good idea especially after this unforseen pandemic. I know some who lived below their means and lost an income but still were able to survive. I know others who lost what they thought they had, but when they lost it they realized who owned item. They owned the debt, but the bank owned their future

    • @aolvaar8792
      @aolvaar8792 ปีที่แล้ว

      @@vickieclark5931 I'm on a FIXED retirement income, in ten years, my income will buy half as much.

    • @suebotchie4167
      @suebotchie4167 ปีที่แล้ว +1

      @@aolvaar8792 i would like to retire, but am afraid to because of legalized extortion (inflation).

    • @suebotchie4167
      @suebotchie4167 ปีที่แล้ว

      and come to the savers with hat in hand, sob story on their lips, and our spare room (and our frig) on their minds.

  • @dianabinkowski3927
    @dianabinkowski3927 ปีที่แล้ว +10

    My late husband's family for years made comments about it must be nice being rich because we never lived above our means. Most of them try to keep up with the Jones. I am now widowed and have no bills except for a mortgage and I pay extra premium payments and still put money into my savings. I live comfortably and they live on social security. Now it's just jealousy.

    • @linuxsurfer2002
      @linuxsurfer2002 ปีที่แล้ว +2

      They thought you guys were rich because you lived frugally? I would think they would think the opposite.

  • @ramonaearnest4709
    @ramonaearnest4709 ปีที่แล้ว +3

    Why do people worry about what others think?? It's such a waste of time! Move on! Live your life your way! Most people have screwed up their own life they can't tell you how to live yours!

  • @CJ2023Incognito
    @CJ2023Incognito ปีที่แล้ว +5

    I have an older family member who always has to add something negative. He is a drama/gossip Queen. Lol
    The other day I was showing him my “new to me” car and he goes, “I’ve never liked leather seats, but it’s nice.”
    My hubby and I just laugh about it. We think the car is awesome! At 30 we are sitting better than he is. It’s just his personality. We don’t mind it because like Dave said, we only let a select few really speak into our lives.

  • @zenthegeneral
    @zenthegeneral ปีที่แล้ว +1

    The ego is a fragile thing. Some people care more for appearances and reputation than true happiness & freedom

  • @dougf9900
    @dougf9900 ปีที่แล้ว +27

    If you know you are doing the right thing, but are getting criticism, that criticism is likely coming from someone who is doing the wrong thing. So there is no need to take wrong opinions personally.

    • @mmp495
      @mmp495 ปีที่แล้ว +2

      💯. I found that to be the case. Someone telling me to live my life and Yolo who was broke themselves...beware!

  • @kevindame3757
    @kevindame3757 ปีที่แล้ว +1

    Godliness with contentment is great gain. Awesome to hear this.

  • @joycewright5386
    @joycewright5386 ปีที่แล้ว +3

    When I retired early I had a coworker telling me that I must be rich and that is why I am able to retire. I asked her if she had one of those large expensive flatscreen TVs on her wall. She said she did. I told her mine came from a yard sale for $5 and that is why I am retiring. Nothing to be embarrassed about.

    • @genxx2724
      @genxx2724 ปีที่แล้ว

      How old were you? How old was the co-worker?

    • @lolwtnick4362
      @lolwtnick4362 ปีที่แล้ว

      lol. nice. my whole living room used to be second hand stuff. it's easy to save when stuff is paid for, and paid less for.

  • @okiecav1986
    @okiecav1986 ปีที่แล้ว +25

    So this person has a two bedroom with a “roommate” and one bedroom is purely a work space. I’m guessing they don’t have bunk beds in the one bedroom used for sleeping.
    Love how this person avoided Dave’s judgement for cohabitation by referring to their partner as their roommate.😂

    • @genxx2724
      @genxx2724 ปีที่แล้ว +5

      It was odd and weasely. But that’s what they are, so good.

    • @suebotchie4167
      @suebotchie4167 ปีที่แล้ว +2

      Yep, "partner" can be a very deceptive term. Am old enough to remember it being used in the cowboy movies, "howdy, partner." Nothing skanky/weird/sinful.

    • @in_theory_2308
      @in_theory_2308 ปีที่แล้ว +1

      Lol I was wondering if anyone else caught that. Thank you! 😂

  • @ondemandaquaworkouts
    @ondemandaquaworkouts ปีที่แล้ว

    We recently bought a condo in the neighborhood of 400 condos. The first house on the street is a bit of, because the rest of the street is full of condos. It is a small ranch. 3 bed / 2 bath. One of the original owners told us that many years ago, this house was owned by the guy who was the owner of these lands: all the condos and the lake that is located there. He was very generous and good for their neighbors. Humble. Very wealthy.
    I asked that guy: wow! If he was so wealthy, why they only had such a small house? He said: because that is what made him so wealthy. 😊

  • @Giasemi55
    @Giasemi55 7 วันที่ผ่านมา

    I loooooooooooove living below my means. It brings me so much joy and peace to be debt free. I am so happy with my low mortgage payment and no car note. I don’t care what everyone else is doing.

  • @mrdanforth3744
    @mrdanforth3744 ปีที่แล้ว +6

    Poor guy. All he has is money.
    The aunt believes you are supposed to spend money you don't have to buy things you don't want to impress people you don't like. She doesn't even see that as insane.

  • @richguest
    @richguest ปีที่แล้ว +11

    Ignore them, as the old saying goes: poor people living like they're rich keeping them poor - rich people living like they're poor keeping them rich!

  • @markcole4736
    @markcole4736 ปีที่แล้ว +2

    For me it all goes back to dialogue from the movie “Roadhouse”. One of the bouncers at the club says that he doesn’t think Dalton is that big of a deal. Dalton then replies, “Opinions vary”. And that is exactly how it is when people comment on how you choose to conduct your financial affairs. They may not agree with it, but you have looked long and hard into what YOU want and need, and this is your decision. They may have an opinion, but that is all it is, and it does not have to agree with yours.
    Dave and I do not share every little financial plan detail about how to conduct financial planning, but that is OK. He has his plan, and some of it I 100% agree is a good idea. There are other details where we do not. My family enjoys being in the top 1% of net worth & income. So our plan works for us. We have the discipline to wrangle our finances and stay clear of trouble. His plan is different. He advises the masses on how to build wealth and “live like nobody else”. People decide for themselves what works generally, and what works personally. Like I said, opinions vary.

  • @elizabethdazell4426
    @elizabethdazell4426 3 หลายเดือนก่อน

    We have been on 3 cruises in the last 2 years. We put lots into our 401k and now enjoying that life.

  • @leisure057blank3
    @leisure057blank3 ปีที่แล้ว +6

    I was never a debt person cause I didn’t want to pay interest and lived below my means, and worked a second job so I could invest and save. I think in the beginning I had some pangs of “I can’t afford what everybody else can. But over the years, I’ve realized I am quite comfortable and content. I don’t want for anything except the ability to get rid of all the junk in my house.

  • @louismat319
    @louismat319 ปีที่แล้ว +1

    It's simple. You are comfortable at your, comfortable level. You are here for you and not to impress someone else.

  • @linuxsurfer2002
    @linuxsurfer2002 ปีที่แล้ว +2

    I have always lived below my means and now my wife and I have continued that for our 17 years of marriage. Thankfully, I don't think I have gotten any comments on our used cars, simple clothing, etc. Even if I do, I'm sure I'll sleep just fine at night.

  • @lisahinkofer2085
    @lisahinkofer2085 ปีที่แล้ว +6

    Who cares what others say. You are doing it the right way and what’s best for you. It’s none of your business what other’s opinions are. These narrow minded people need to keep their distance from you and you should be proud for taking care of yourself and living below your means is right for you so keep going. As long your your place is clean and as long as you have a roof over your head and money in your account then you are living well.

  • @matthew4155-h6e
    @matthew4155-h6e ปีที่แล้ว +4

    That is one thing I have going for me, I couldn't care less about what other people think about me at this point in my life. I drive a 10 year old car and barely ever buy new clothes. Just need to keep cutting out some of the stupid spending I still do (mostly food!).

  • @CarrieV9
    @CarrieV9 ปีที่แล้ว +6

    At my last workplace, I was teased for having an older iPhone. When I got a new phone, I was mocked for buying an expensive, latest model phone. 😅 I just laugh.

  • @rssmith289
    @rssmith289 ปีที่แล้ว +2

    I really like this video! I especially like whether a person gets a vote or not. I also like when Dave says "that when broke people make make fun of you you are doing something right." I have a "friend" who ridicules Aldi and Smart and Final food stores. She says that I eat "s*&t" food because I buy my food from discount stores. Our net worth is nearly $2 million. My "friend" and her husband live paycheck to paycheck. BIG HAT NO CATTLE! Since she and I do not share the same values I am deciding to slowly pull away....

  • @mlpdunaway
    @mlpdunaway ปีที่แล้ว +7

    We live way below our means. We easily paid off all debt accumulated during COVID in 12 months with your baby steps program. Our cars are over 6 years old and paid off. I am so thankful for Dave Ramsey! 🤑💕

  • @jkay07
    @jkay07 ปีที่แล้ว +2

    Lots of folks struggle with this. It takes some work to get there.

  • @carolannskinner1964
    @carolannskinner1964 ปีที่แล้ว +4

    I applaud them for living their own lives!

  • @jozuzl1
    @jozuzl1 ปีที่แล้ว +31

    She should’ve said, “I choose to live like no one else so one day I can live and give like no one else!”

    • @wewhoareabouttodiesaluteyo9303
      @wewhoareabouttodiesaluteyo9303 ปีที่แล้ว +1

      Someone's rebuttal would be "What happens if that day never comes?"

    • @tonycrabtree3416
      @tonycrabtree3416 ปีที่แล้ว +1

      @@wewhoareabouttodiesaluteyo9303 “Which day is that?” Is the rebuttal to that.

    • @wewhoareabouttodiesaluteyo9303
      @wewhoareabouttodiesaluteyo9303 ปีที่แล้ว +1

      @@tonycrabtree3416 Refer to the OP's original comment.

    • @tonycrabtree3416
      @tonycrabtree3416 ปีที่แล้ว +1

      @@wewhoareabouttodiesaluteyo9303 No, I’m responding to your hypothetical.

    • @tenningale
      @tenningale ปีที่แล้ว +2

      If she says that to broke family members then it'll be "You like giving your money away but don't even give to your own family meh meh meh...." I know this because I have exploitative family members who like fishing around for people's financial info. Good solution is to ignore them or have boundaries where certain subjects don't get a word in response.

  • @suesjoy
    @suesjoy ปีที่แล้ว +2

    I just discovered your show and absolutely love it! Thank you so much. Appreciate you and your team. Blessings to all. May everyone prosper. 💟🙏💟

  • @willelliott5052
    @willelliott5052 ปีที่แล้ว +3

    I have mortgaged several expensive homes. We sold the last one last year and decided to rent for at least a year. Our next home will be more modest, but it will purchased strictly with those sale proceeds (with some investment gain), without touching our retirement investments, and without a mortgage. We are and will remain completely debt free. Part of my inspiration in this regard comes from considering for how many decades Warren Buffet has lived in the same modest home.

    • @genxx2724
      @genxx2724 ปีที่แล้ว +1

      His house isn’t modest. It’s far below what he can afford, but it’s a large, stately house.

  • @muzerhythm2242
    @muzerhythm2242 ปีที่แล้ว +7

    I can relate but the part I struggle with is that everyone around me has that....Gotta have it now mentality and dealing with payments. I feel very alone in being the rare person that isn't buying into the idea of consumerism and content with what I have.

    • @gloriaalex11
      @gloriaalex11 ปีที่แล้ว +8

      One positive aspect of social media is that you've found a whole community of people who share your financial values, so you know you're NOT alone. Sometimes it's nice to have validation, especially when everyone in your immediate location has lost their everlovin' minds. Don't fear being an outlier when you're in the right.

    • @unfairsanic5089
      @unfairsanic5089 ปีที่แล้ว +3

      Dont be a sheep

  • @imaami44
    @imaami44 ปีที่แล้ว +2

    I am living in a fixer upper. Each pay period I put money aside for repairs. I was able to get a better paying job but it's an hour drive one way. Working this job for 6 months I will be able to pay off my debt and replace the flooring in my house.

  • @PurpleNGold824
    @PurpleNGold824 ปีที่แล้ว +2

    If you see me around town you’d think I’m broke as hell. I drive a Scion tC 2006 with 170,000 miles 😂 I rent a room in a garage for $600mo. It has everything I need . Bathroom, internet, small kitchen area. I make 65k. Currently have a net worth of 180k. Funniest part is…. Everyone thinks I’m broke and I like it that way.

  • @jaywalk6628
    @jaywalk6628 ปีที่แล้ว +1

    I would have said "it's small but so are my bills" the freedom this place allows me is worth it. I replaced a radiator on my used suv this month and did the wife's brakes last weekend, ya it sucked but today I worked for two hours and then went and rode my dirt bike, It's Tuesday. Choices.

  • @dnorris4733
    @dnorris4733 ปีที่แล้ว +2

    Just reading the caption - I'm speechless. It's none of my business what others think of me.

  • @BG-qs6ii
    @BG-qs6ii ปีที่แล้ว +1

    Been in the same boat as this person. Always was helpful to look at the overall financial statistics of Americans and realize that most of the commentators don't have any money/in crippling debt.

  • @marysneed7654
    @marysneed7654 ปีที่แล้ว +2

    So sad how some people care about the ignorant, unfinancially sound opinion of broke folk. SMH!

  • @Gycamo02
    @Gycamo02 ปีที่แล้ว +2

    I don't understand why he lives in a 2 bedroom with a roommate but uses the second bedroom as an office? Do they sleep in the same room to then work in the same room? Makes no sense to me.

  • @JulsMWK1995
    @JulsMWK1995 ปีที่แล้ว +1

    Interesting point. I’m insecure about some things in my life and worry what people think but there are other things I’m anchored in, confident in my decision, that I don’t care.

  • @elizabethashton9590
    @elizabethashton9590 ปีที่แล้ว +1

    I have absolutely NO shame for driving a car that's 12 years old, and have bedroom and living room furniture from 1969 or clothes that were mostly purchased from KMart 15 or more years ago. . I own a co=op apartment that I bought for cash in 1974. I've done a fair shae of traveling, have a fair retirement nest egg, help another senior and am happy. No, I don't care what anyone thinks of my living beneath my means.

    • @cm9743
      @cm9743 ปีที่แล้ว

      .....And there is no shame in getting free office chairs from a business that was throwing them out just because the bottom of the chair was peeling.....
      Oh, and then reupholstering them myself with material I already had at home and making them look like brand new!!!! I couldn't be more happy with the chairs!!!!!