You Are NOT Doing The Baby Steps!
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- เผยแพร่เมื่อ 27 ก.ย. 2024
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"I haven't done Financial Peace, but I did register to become a coordinator."
That's rich!
Now. Same thing I thought “how is he a coordinator”?
Dave was not having his plan taken in vain…ha!
lol, he shouldn't be a coordinator
I love when Dave gets annoyed and hits the hang up button 😂😂😂
😂
Why do people even call into the show if they don’t even follow Dave’s basic advice?
Everyone thinks they are the exception.
most people want confirmation to what they are doing
They realize their plan isn’t quite working.
Good question, especially since this guy said he's a long-time listener. He should have known that this wouldn't fly with Dave.
I absolutely love when Dave gives them a raw answer.
it is not raw but the best answer people are not ready for this.
People who have never had money have a VERY hard time draining their savings to pay for a car because they are afraid something bad is going to happen at the wrong time. It’s that emotion that Dave needs to address. Tell people WHY other than “because it works”.
He does often explain the why though. The reason he recommends smallest to largest amount, instead of lowest to highest interest, when paying off debt, is because of the psychological reward that comes with seeing a debt disappear.
To be fair, Dave isn't a psychologist.. and Dave's response is it "costs you money." Which is a good answer, but isn't always convincing.
@@cindymann3673 I agree. He does sometimes explain the psychological aspect. It’s not for me, though. I’m well beyond the Baby Steps. 😉
I think we have good time for too long to think about the bad things could happen
Dave will say it’s better to use savings to pay off a car because a) the loan interest is expensive; b) paid for cars don’t get repo’d; c) with Kevin’s income level, he can build that savings up again quickly
Go Dave! I'm so glad he was there to take over this call. No one else would have shut this down like he did, they would have rambled right along with the caller going on about nothing. Dave..you should have also called him out to not be a coordinator of FPU, if that's what this guy was intending to do. Never taken FPU and is not doing the plan...I don't think so.
I’ve seen this twice. A couple who took FPU with us worked the plan until they needed a new car. A coworker who told me she took FPU got into an accident and replaced her car by getting a loan. Neither was able to see a life without debt. So sad. We stuck with the plan and we are on BS6
Dave shut it down quick!
it is what we love to see on the show
He's been listening for years. What plan is he on😅
What did he call in for?
Dave is the only one who can do this show. When these others try to do it- it just doesn’t work
She did a fine job.
Agreed
I agree
Agreed. I don't even watch the show when Dave is not on it
I like Jade a lot but she's not Dave I can agree. I think she is finding her own voice and is getting better and better. Her and Dr. John are the personalities I can listen to everyday.
He doesn’t want to work the plan. It’s okay! Why do these people continue to call, because they are wasting time.
I’d imagine he was subconsciously looking for someone to call him on his b.s.
Dave knows exactly when to shut down a call quick (something the other personalities need to hone in on as they often let callers ramble etc).
People calling in with questions like this trying to BS need that kind of response. They need a tough answer.
He only did that because he didn't want to hear that he got out of debt without following him.
@@jimmymcgill6778he’s not out of debt though?
But he's not out of debt Jimmy.
@@jimmymcgill6778 either way the guy deserved to be shut down.
If he was calling to try to brag because he has more EF than debt, he deserved it.
Either way he's not doing the baby steps. And he's lying by saying he is.
He isn't out of debt. He literally has debt.
He wants to do his own plan. So be it.
@@random-nz7dy Not everyone have to follow Dave. The debt is his monthly expenses, that he is paying off the card every month.
“What’s your question?”
“……”
@ 1:09 Dave is gesturing Jade to stop and let the guy finish but she didn't see that
She’s learning so it happens. I kinda liked her calling him out but it doesn’t beat when Dave does it. Especially when he gets over it and clicks the button. I wouldn’t have the patience for a guy like this.
We tried staying at a hotel here in Alberta without a credit card. They refused. Visa debit...refused. Paying up front on debit card. Denied. SO annoying.
Find a different hotel
@@mlcwarrior2122 This is Canada. 95% of hotels have this policy.
Wow! He said you been stupid the whole time! Ha😂ha😂ha Dave is funny!
he is very honest like a good American should be
He sounds like Ken Coleman
Poor Jason 😂
Reminds me of a guy I saw give a sales pep talk to a scammer kid ripping people off at an ampm then he got into a volkswagon.
I like my plan.
"Ish is a wish" LOL!!
So let’s say I attack my lowest form of debt which is my credit card. Do I just stop using my credit card till I’ve paid off other debts and completed step 3? I want my credit to grow and seems like not using the credit card will bring that to a hault
You want to become debt free but you want your credit score to grow so you can get in debt again?
Love love Jades no nonsense approach to callers!
Ish is a wish. 😂❤❤
Please bring back Rachael and Dave!!! Rachael is such a good match with Dave!
You mean Rachel Cruze? They are a good match, father and daughter though, but still a good match ;-)
I adore Rachel. John Deloney is great when people call in and think their problem is about money but it's not.....it's a mental health problem. Love John too who like Rachel also have their own TH-cam channels which rock.
Racheal is just a parrot of her father. No personality at all.
@@Polostar79 More personality than most.
@N1mro8 the only person that isn't too afraid to disagree with Dave. His daughter LOL
SHUT DOWN!!! 😂
Love Jade...her facial expressions lol.
There's baby steps, and then there's dummy's steps. This guy is working the second system.
What’s the question ?
I am not registered to vote, but I am the mayor and the governor.
Jade....the show is only ranked 16th for financial shows on the radio?
No, it's ranked 16th among all PODCASTS, most of which are not broadcasted on the radio
I find that for maximum effect while doing the baby steps, wearing a diaper and walking with a stagger helps. Sometimes I add "goo goo's and ga ga"s for added effect.
😅😅😅😅
Idk personal finance is PERSONAL finance. I don't like how it's his way or the highway
Because nobody knows how to manage the 'personal' bit...
I teach firearms and this reminds me of people who pay us to show us how they shoot.😄
You know else was On the Radio?
Donna Summer.
😬😬😬
submit.. wishy washy isnt it
Why would I pay off my car or home at 1.9% and 2.3% interest? When I can max out my Roth and 401k????
The baby steps is not the only plan. He said his card is only his monthly expenses.
He got of of debt doing it his own way.
These two got mad because they didn't do it Dave's way.
This guy proves that Dave's way is not the only way.
Agree. If he pays the card off monthly, who cares?!
Dave filed bankruptcy, he should have worked harder to pay it off. Beans and rice.
I agree but then why even call in if you aren’t willing to do it Dave’s way?
But its a wrong way, the normal way, and he will not going to be a millionaire if he makes his own way
He was literally claiming he's doing Dave's plan when he isn't.
When he fails, all his friends will blame Dave's plan. When it wasn't even Dave's plan.
Are you really that dense you don't understand?
What Is your Question? LOL
"Dave-ish" haha...I don't get it, the steps couldn't be more clear.
TIL that Dave is a bean
This caller is completely incoherent. He’s not even asking a question. He’s just babbling.
Where is the limit between frugal and greedy?
Did anyone else cringe when she said "we're 16th show on the radio" 😬 🤷🏽♂️🤦🏽♂️
I'm the smartest kid in special Ed class. Is what it sounded like.
@@djpuplexlol
Nope. I cringed at your stupid comment though
1000 isn’t even close to enough for a baby emergency fund when insurance deductibles are 1000.
Considering debt wouldn't even be an option in an emergency.. I agree 1,000 is not enough
@@adoe2305 it's going to be 10% less effective next year because of inflation. Dave doesn't believe inflation exists, 😂
😂 dave
😂😂
I like the way Dave does the show but I not impressed with all the kids he has on. Dave knows how to handle people. The others just seem to be in training.
Because they are in training. Dave is transitioning things over for whoever will be the primary voice of this show when he decides to step away. He’s communicated many times that he believes in king drawn our succession plans to where they really aren’t even noticed when they’re completed. So he’s having tons of personalities handle the show to build their skill set and likely to evaluate who does the best to eventually handle the show. Dave can’t be the guy handling it forever so it works to team up like he has been and do so for multiple years so whenever it finally happens people will have established experience to be ready.
This episode was so cringy
Jade very quickly passed George in my least favorite co host. Still love the show and it’s changed my life. so I can’t hate too much.
So funny because Jade and George are my favourite. But I like them all so
John is definitely the most annoying. He assumes too much about people and tries to “analyze” them psychologically.
✝️🙏
Dave wants sheep not free thinkers.
Wth are you even talking about?
His main message in his shoes involve the following..
" Knock out your debt, build an emergency fund, build wealth, so that later you can live a better life and be able to be generous like a good human being and thus set a great example for your children..for future generations"
There is nothing " sheeple" about that ya dum bas s. (Facepalms)
It's not complicated and there is no hidden agenda about it u like your pathetic woketard culture.
He has hundreds of millions of dollars while you’re working at McDonald’s
@@jaymacdonnell4730 He made hundreds of millions selling relative common sense to gullible Christians. I work in healthcare not McDonald's bud.
He "sells " a plan, his plan seems to work, if one is doing something different that's their choice but they shouldn't claim to following the Dave Ramsey plan because it's not.
Ok you go be a broke “free thinker” and I’ll retire a millionaire lol
So many people are on baby steps "4,5,& 6". Why are so many people on multiple baby steps at once. Knock out each step at a time, and get a STEP closer to financial independence.
Because that’s not what Dave says to do. I assume you’re new. Those steps all happen at the same time/can be out of order. Only 1,2,3, have a static position by themselves
I think because in the past Dave has said that 4, 5, & 6, happen at a similar time. Also you are no longer gazelle intense. Additionally in FPU, I believe 4 - 7 are combined in one video.
I'm wondering what baby steps im on I am in secure housing
I have over 5k in savings.
I have zero debt.
And I'm well off financially.
I just won't be a millionaire and that's okay.
@@TheAazah sounds like you're around step 3b - 4ish. They are easy to access and learn more about by doing an online search.
Dave is rich because he is a CEO and real estate investor and not because he followed his baby steps.
He’s rich, because he’s smart!
What's stopping you from being a CEO?
So how did he get from bankrupt idiot to CEO and real estate investor? And where did the Baby Steps come from?
Ramsey, dude. Let him speak and expose his problem.
He had no problem.
What problem?
Thats stupid
Monthly expense is not debt
Pay cash for car is stupid
Why is paying cash for cars stupid?
@@mattschmitt9924 bc he doesn’t have cash
@@Mr_Banker222So you save up for it? Duh?
Ok go do your own thing then why watch the video when you won’t follow the advice
Almost as stupid as financing one.
First!
Congrats! 🎉
Peter Cetera is the voice of Chicago!!
Clever Dave😊
“We can still be friends, I’ll just be your rich friend.”
Ha! 😂
Constantly bragging about how much money you have, great "Christian" values right there.
@@perotal ????
@@perotal There's bragging and there's fact. Envy sure isn't Christian value.
@@perotalStating a fact is not the same thing as bragging
@@perotal being jealous and envy is a sin
How can you register to be coordinator when your not even doing the plan?!! Good luck doing your plan.
I'm still wondering what the guy's question was. Was he legitimately asking Dave if it was a good idea to finance a car?
if he is a long term listener he would know the answer it is also surprising to see they would want to ask this question to Dave
On my head I'm on baby step 4-6 LOL 😂
In my head, I'm a multi-millionaire
haha it is always why people need action to make it happens.
Jade's fake laugh is so obvious 😁
Just the laugh?
sometimes fake laugh is required.
@@on9francisyu especially when you're hoping for a raise because you don't get paid enough
@@listerinr Seriously?? That's all you have to say? I'm pretty sure she can handle herself if she didn't think shes being paid enough. Taje care of yourself.
@@ladyhawk9032 I'm well taken care of. Thanks for your concern.
Is it just me or anyone kind of starting to think that they prefer to only hear from Dave Ramsey then all of his cohosts who seem to want to speak like him
Lol he wants to be a coordinator... but coordinator of what plan
is the caller serious or trolling Dave
If people want to lie and say they are working the Ramsey baby steps and then they crash and burn because their plan didn't work and it was their plan all along, it's bad PR for the Ramsey team that they don't deserve because it had nothing to do with them anyway.
I get the fear factor of paying off debt with savings - I've been there. Here's the thing: Many people finance a new car for 5-8 years with little regard for something bad happening. But if it does, you are on the hook for making payments on a depreciating asset or risk a repo and be out all the $ you paid PLUS the risk of being upside-down and having to pay the difference on a car you no longer have. By draining savings to pay off debt, it should take you a matter of months, not years, to build your savings back up. With that said, one thing you need to consider before draining savings is the stability of your income. If it's highly at risk due to high probability of layoffs or other reasons, then Dave advocates pausing the Baby Steps and stockpiling cash.
This is the common sense part that people forget about. If you're in fear of losing your job, you're not ready for Baby Steps. Secure your income, get a second (or third) job, and proceed, IF you're serious about getting rid of debt once and for all. If not, well, continue to live as you've always lived. It took me a LONG time before I was ready to commit to getting off the hamster wheel, because I had always believed if I wanted something I'd just work harder to buy it with borrowed money.
I thought the caller said "Good afternoon jaded Dave!" So glad he didn't actually say that. lol!
That's funny 😊
JUST ASK THE QUESTION!!!!!!
I have no debt, including my house, have my emergency fund BUT
I have a credit card my back issued for travel. It’s just easier to rent a car & for Hotel incidentals. I feel scared to travel with my debit card. It’s paid in full when the bill arrives & it’s in the Safe Deposit Box the rest of the time.
He did sound a little mad though...
I'm afraid to walk around with my debit card since I was pickpocketed twice in Manhattan
Where my bank is online there is one single button that says turn off card do you not have that ?
Did you yell out your pin # too?
You absolutely do not need to get rid of credit cards if you literally only buy what you would have bought with your debit cards. If you don’t have a borrow mentality you will be completely fine
It's not a baby step unless its Dave Ramsey baby step.
I took on a mortgage and new car loan and became a millionaire with those loans, 1.5 years after financing the car and 0.5 years after financing the house. Im 33 now. Being debt free is not the only millionaire plan. In fact, if you manage debt properly you'll hit millionaire status faster. When your debt is 20% or less of your monetary net worth you still have security if shit goes sideways.
Dave's plan is awesome. It's not the only path to being a millionaire. It's arguably the slow path.
Jason is making Sacramento look bad. He just wanted to get on tv, radio and youtube.
I just saw Dave Ramsey on John Oliver. 😂
3:22 this from the person who tells people to pay off their mortgage early at 3-4% instead of investing that money at 12%. I enjoy the show, but what a hypocritical/inconsistent thing to say! I want to give the show a thumbs up but this isn't right.
For real. He is amazingly moronic.
DAVE! Why is this guy a coordinator for you? He is all wrong for your program, please screen your FPU coordinators because he’s going to be steering everybody in the wrong direction.
I don't think he will actually become a coordinator with put actually going though the plan
The caller's plan is a "middle class person's plan". Oh my goodness. The Ramsey plan is a middle-class handbook. And there's certainly nothing wrong with that, but that's very much what it is.
Love your advice. Going to send to my kids to follow. THANKS from 😊UK
average California resident
🤣🤣🤣Dave is hilarious
Watching Jade struggle to put together something off the top of her head 😒
So many angry people in these comments! 😂 Wealth is a CHOICE. People seem to forget that!
Clown
Well he is American
Boomer
Your rude insult is supposed to hurt middle age people???
Anybody who thinks is a boomer.
The caller should have just asked: How do I navigate between saving for retirement, paying down my mortgage and saving for college?
If these people don't want our gratefulness then don't mention it.
Or he shouldn't have claimed he was doing Dave's plan lol