Dave helped me payoff 6 houses !!!! THANKS MR. DAVE !!!! 5 of the houses are Clean and sober living houses called Oxford Houses and thanks to Daves teachings there is 33 people getting their lives back !!!! HOW FUN IS THAT !!!!
Thanks Dave. I'm an Asian immigrant. Grew up in post communist Hungary. Now here in the US. Age 30, $500,000 in the bank. A house, a wife, a kid. God bless.
So Dave. For the past 7 years I have lived like no one else. Divorced because my husband chose wine over our family, I was bereft and without retirement plans...and 63 years old. So I had a job....snd saved literally every penny. In the past 7 years I saved 205 thousand dollars towards retirement , paid off half my house (80 grand) , have my 20 grand emergency fund, have my 6 grand new used car fund and believe me, during this time , read every book you wrote. I am now 71 years old and am planning to retire from my very stressful State job and have a lovely side business, teaching Qigong to seniors. I plan to continue saving and paying off my mortgage as now this has become a comfortable lifestyle. ..and what do you know, living frugally is now a trend! All this to say many thanks for your inspiration and your loving concern for us all.
Amazing!!! I'm proud of you for your outstanding accomplishments. I'm just starting on baby step #2 and shaking in my boots. But Hope will give me the direction I seek with perseverance in the forefront. This isn't for everyone, but I dream of a better life for my family and I. Keep up the great work and I hope you have all you've ever dreamed of.
Woah,bravo! 👏👏👏👏👏👏👏 Thanks a lot for sharing your story, I'm 31 years old but it's always great to hear experience of older people than me, it gives me lots of hope. Thanks again! ☺️🤗🤗
Dave Ramsey's insights have been a game-changer for me! His practical approach to financial management has empowered me to take control of my money and work towards a debt-free life. The Total Money Makeover is my go-to guide, and I appreciate how he breaks down complex concepts into easy-to-follow steps.
I can't stop crying... just when I thought that I was at the end of my journey I find Dave Ramsey! Now the fun begins, no more debt, no more not answering the phone, no more thoughts of ceasing life as we know it, no more... God, thank you for the introduction. Mr Ramsey, it is a pleasure meeting you, thank you!!!
Ramsey is the man... Haters will hate and will stay broke.. Believers will believe and succeed!! Dave, may God continue to bless you. Thanks for ALL your content whether it all applies to me or only some of it.
Been married 3 1/2 years, 50k in debt and we live with my parents. I would find my self driving around in neighborhoods close to home crying because I failed in having our own home. This happened a few times and it was an incredible burden to bare knowing that you are married, yet broke and can’t afford your own place. I was near despair but kept going trying to better the situation with unpractical money applications. That was just a few months ago. Two weeks ago my wife and I attended our first of nine FPU classes at Harvest Bible Chapel Elgin, IL. We now have baby step one secure and have begun baby step two with good traction! My hope has been restored and I believe that the best is yet to come! We thank you Dave for your story and your passion to help others see what is achievable by trusting God’s plan and stop being stupid. He has used you in a mighty way and still is as He has inspired us through you to walk by Faith in this area of our life which will transcend in all other areas of our life so we can share our story in the hopes to multiply the story and bring God more glory! We thank God for you, brother Dave and we look forward to our debt free scream! In Him with love, Scottie & Zuni Bloomer
Just sat down and wrote out all of my debts. That number was a shock. But I am ready to combat this debt with a budget. I can’t wait to turn this around and be debt free before I am 30!
True but they were 90 day notes meaning the old bank was renewing his loans every 90 days. The new bank did not call them they just honored the 90 day loan limit. If he had conventional or longer loan terms lik 5years he could have sold them and still made and kept his millions. what happened in the 80s was the way taxes were handled form making money from buy-ing and selling real estate. didn't hurt home prices it just slowed the market down because the buyerss had decreased. Another reason he could not see in 90 days. Extremely risky loans and extremely stupid like he said but he could have still made millions from real estate. he was over leveraged from stupid 90 day loans. 1.2 million on 90 day loans is beyond stupid. He has helped many people though and his lessons are great on how to get out of debt so Dave seems to be a great guy but just clearing up his story a bit.
^ his story shouldnt be relateable cause its a time period thing, if you're smart you wouldnt blatantly and blindly follow a story from 1985 in 2020 rofl
I was thousands in credit card debt and car loans when I was 21 years old I'm now 26, I make $45,000 a year at my job and started a Vending Machine Business 9 months ago. And its doing well enough that I can quit my job at anytime and work for myself. Lots of that inspiration came from Dave and Graham Stephan!
It took me almost 2.5 years to become debt free minus the house, I love the fact that Dave Ramsey has given us the tools to make our lives better. I'm not shooting in the dark, I have a real target.
What’s the status on paying off the house? Your comment is 2 years old according to TH-cam and I’m excited for you. A paid for house and no debt you’ll stack cash like crazy.
I am so blessed to find Dave on TH-cam by accident. Wish found him sooner. On my path of living without a credit card, have cut them all. Thank you, Dave! What a blessing you are to so many people.
I just really love, adore and respect Dave Ramsey. My cheeks hurt so much from smiling listening to him share his knowledge, wisdom and experience. He doesn't just talk the talk he is living it daily!
I'm going through it Now Today! I lost my job of 15 years...and about 2 weeks later I found out I had more debt that I have ever even known about. The thought of loosing my home and being on the streets in cold is so scary. You don't think that it can ever happen to you. But It Can!! Dave Ramsey is all I got rite now...I swear this man is gonna save my life. We are on a written budget trying to dig out of this. The day i'm completely out of this CC debt...I wanna meet this man and give him a Big hug. Were fighting Mr. Ramsey and were gonna Win! God has never given up on me and I'm not about to give up on him.
Dave, thank you for staying humble, transparent, and moldable by God. It was an absolute honor for my wife and I to have met you last weekend in West Palm Beach. May God's hand continue to be over your life and ministry! Mike Akers
45 Years Old and discovered Dave Ramsey yesterday. I’m Feeling Inspired. My Goal .. To Be Debt Free. Emergency Fund, Own a Home and Car, Give to My Son, and $800, 000 in The Bank. Thank You So Much🌈
I’m 23 years old and stumbled upon this channel I was instantly hooked been watching every video for about the past month and I’m just banging it into my head now as young as I am with every thing I do with my money now Dave has made me more aware In every way I’m about to finish school and attack that student loan which is the only loan I literally have and I definitely don’t plan on taking out a credit card or nothing thank god I found this channel at the perfect time🙏🏽🙏🏽Ramsey is a legend and I will continue to watch your videos for years to come amen
I have been told by everyone in my family that loan is the ONLY way to have decent way of life. Dave you are blessing. I know save and invest is - peaceful way to decent life
I could hear this story a hundred times or a thousand but I always get a little chill hearing it. Its got to be amazing being able to positively impact so many lives.
I was tell people that I LET DAVE RAMSEY BRAINWASH ME for about 10 years when I used to drive truck every night at my job, I am a high school drop that dropped out at the age of 15 and because of Dave and his brain washing me into thinking correctly I am retired at the age of 39.5 years young !!!! IM DEBT FREE !!!!!
Why, the person is monetarily free to do what they want? Maybe you should think outside the box---there's work and meaning outside working a regular job.
Hopefully one day I can show up to do a debt free scream. I listen to your show every day. The listeners inspire me, your story inspires me, and your hard truths inspire me. My whole family tree is a cycle of bad choices and I'm ready to change it.
29 years old, two college degrees (Bachelor and Masters), no college debt. Bought a 6 bedroom house at 26 years of age. Own 4 cars, 3 of which are paid off. I have a good career with great job security and I will be retired when I'm 55. Its all about smart choices. You can come from a poor background and be a success. However you have to be willing to make extreme sacrifices. (i.e. Not going out to eat, having a car that gets you from point A to point B, paying off debt instead of traveling, not going to the movies). Now I can enjoy all of those things I never could before. The same friends that kept bugging you to go out with them are now the ones so financially strapped that they are the ones telling you they can't go out.
Thank you Dave Ramsey!! Three years ago I got a good paying job, and began to get serious about my debt. I would listen to your show, and think I can do this. Cut up the credit cards, paid them off, paid off a loan from the bank, paid off my car, and the only thing I have are mortgage payments that I'll be addressing soon. Being broke sucks. The freedom to help others and not stress over money is a freedom I did not enjoy before because of my selfish spending and not adulting about finances. I am now a Federal employee, and the shutdown really brought home to me what taking control of my finances did for me. So many coworkers were stressed, and had nothing to fall back on...living hand to mouth. THANK YOU, as I was not one of those people terrified of where to turn. Blessings to you always~💞
"Having a testimony is great, getting one is a pain." Hallelujah! I've been to the bottom and Jesus is pulling me slowly back up! Thank you Jesus! Hallelujah!
I just found Dave, but he's already helped me tremendously. My problems are nothing compared to what he and his callers went through, but it's really good to see someone who's been in the same situation and got out of it.
My family used the Baby Steps, and we are Debt Free and "living like no one else"! Words can not express my gratitude Thank you Dave, AO, Chris, Rachel, Dr John, Ken, Chrissy, and Ramsey Solutions.
Dave, I watched this video so many times just to keep me motivated. I suffered a job lost, friends not talking to me anymore, etc. Right now we have a tough decision that we are about to take please pray for us. Again, thank you for this video.
Very inspiring. Dave's story reinforces the concept that many popular ideas are actually stupid ideas. The family destruction caused by debt is immense, and here is a man who is using Biblical principles to help people. Thanks, Dave!
Hi Dave My name is Mohamed and l recently started to listen to your videos on TH-cam as I’m based in London, and I wanted to thank you for your educating and inspirational content.
Thank you for this story, I've been teaching financial peace to literally hundreds of high school kids for 6 years and have never really dug into Dave's background but have always took it on faith that he is genuine and this story proves that. Its amazing how many high school students come to me with so little hope, so little belief and Dave's program has really helped me help them. I certainly still have a ways to go in getting a majority of them to "buy in" but I think showing them this video might help. If nothing else, it will help some of them and that's all that matters. Thanks Dave!
Thank you Dave for teaching me not to give up. Paid off my Tesla Model 3 and graduated college debt free living below my means while building wealth with my 80k portfolio of investments. Keep up the good work and teaching people the value of a dollar. ❤️ you are a national treasure
His story doesn’t have anything to do with whole life agents or dealership finance. It has to do with being financially irresponsible. But, that’s a bit tricker to understand than a simple story. Plus, products like whole life insurance and debt financing is an easy punching bag. Also, it’s easier to blame something else than take responsibility for your own failures.
I have read Total Money Makeover; I have been to a live event; I have listened to the radio show; this video tells your story in a way that really drives the pain and the point home. I could feel your despair when you were young and sinking in a downward spiral. You not only helped yourself get out of debt, you have helped so many people get a hold of their money and of their marriages. Now, you have the personalities that add a different layer to the show. They have expertise outside of finance. All of the life issues are interconnected. You tell people who have succeeded, "I am proud of you." Well Dave, I am proud of you. You have a ministry and are doing God's work.
Thank you dave ramsey for your words of wisdom. Been watching your videos for the past year. My wife and I were in $70,000 of debt between credit cards, car loans, and a heloc and living paycheck to paycheck. We took all your advice into play and finally committed to selling our rental house. We paid off all our debt and we're able to place a considerable amount in savings as well! It's amazing how much more wealth you can build when it's not all going toward paying off debt. Our stress levels have gone down 10 fold and this has been a saving grace in our marriage. Thank you for inspiration and keep on helping others! Lord knows you helped us
Problem is getting out of debt or saving up cash requires sacrifice. Most people don't want to sacrifice because it's hard. Our culture is obsessed with comfort and convenience which makes living debt free difficult. We don't want to sacrifice but nothing worthwhile is ever easy.
Can def relate and agree. I save $400/month into savings and $200/ month into my IRA. Hoping to up the IRA once more debt is paid off but in the meantime I'm ok with that. 😊
Dave has changed so many lives for the better. He's not one of those guys trying to sell you something....he does what he does because he really enjoys helping people.
Dave… thank you… you helped me realize how to think differently and act differently… just like you and all other leaders that live to help others. Blessings your way… Abram
Bawling my head off 😭 words can not express how thankful and grateful my family and I are for your testimony and Gods leading. Thank you. Blessings, Deborah 🙏🏻❤️
They were 90 day loans though, meaning the bank did not just randomly call them up they just didn't renew the loan. he could have kept and made his millions if he had 5,10,15 year loans on them most likely. home values did not crash like they did in 07-08. now Dave is right about the whole debt thing but borrowing money on real estate when you have no consumer debt and the payments are extremely low compared to your income is not a bad thing per say.
@@naddarr1 Loans can make real estate very profitable. By using loans, you're able to get to leverage a property for 1/4 of the price. Not only will you get some good cashflow, but you'll have someone else paying down the loan, which gives you more equity. This is even safer if it's a multifamily unit. Even though Dave Ramsey lost some properties, let's not forget that he was profiting 250k/yr and had $1million after. This was all in the span of 3 years.
@@kdogthehandyman Debt should never be the norm when investing. It should just be looked at as a very temporal means which you have to financially work through (meaning working to pay off, of course) to get to equity. Once you have equity then that should replace debt ASAP. At least, that's how smart people treat money. I know the crooks, schemers and financial profiteers and backers of Wall Street are high risking wheelers and dealers who operate on debt but remember they're also a bunch of cons and thieves as well. They tell you information that lines their pockets because they play around with numbers and credit default swaps etc. all day long like the financial risk takers they are but honest money advice for the smart and common man is not to spend more than you make. Banks don't hand out loans because they lose money, they do it because they profit off interest rates and because they have more than enough fools out there willing to sign a dotted line without thinking things through. Bottom line, any time you go into the red (debt, borrowing) on your investments you are taking pointless risks and might as well be gambling in a casino because building equity coupled with spending within your means is how you get and stay ahead financially. Us common people have to play by those rules to make it. As for Wall Street, well, they can take risks when they get subsidies (our tax dollars and Money printed by the FED on demand) and have members of congress in their back pockets working things out for them and when we end up paying for their mistakes. Which is exactly what happened in '08 and continues to happen. Unfortunately, we don't get our secured personal debts cushioned like they do so we have to be careful with our money.
I think ever dave Ramsey hater should listen to this. I've listened to the podcast for about one year, and this has definitely opened my eyes to his past.
Bless you Dave and Sharon... You have helped so many people and given them hope.. I live in New Zealand, i have no debt's, however I'm on a very low income, and its a struggle every day, I put aside a small amount of money each week to put in an emergency fund and xmas fund for food.. its been a hard row to hoe, but the best thing about my entire situation is, that I have no debt, and I may not have a car or bus money but I can sleep at night... Wow you guys have been the light at the end of the tunnel for thousands in financial trouble.. Thank you.. :)
hi Dave, I've been watching your videos everyday all the way here from Philippines. there's no chance for me to take ur class because of the distance but I've been following your advice. currencies maybe different (I just do the math) and time as well. but ur advices makes sense and it's biblical. the instructions really helped me to start and still in baby step 1. just started recently. thanks Dave.
Thank you Dave! I don’t think I have ever cried so much in a day as today.. I have never been a very religious person, but you have really changed my life today. I am a new listener to your program and I don’t even know all of the baby steps. But I am on my way to changing my future with your advice and ideals. I appreciate you so very much. Thank you for your help, and I am hoping to help others with your wisdom as well.
My senior year in HS I took a class in financial literature and everything Dave Ramsey said is so true looking back on in almost 12 years ago. Don’t ever believe you can’t escape from the mountains of debt because you can if you plan a budget and spend safely. Ramsey is the epitome of how you can escape from the depths of darkness.
Dave Ramsey changed our financial family tree. We don't always get it right, but God's grace is sufficient. We just pick back up and keep going. The stories I hear on the Dave Ramsey Show give me the encouragement to do so.
Im in a high stress situation right now, procrastinating by watching this. I need to take action and get work done. Dave ramsey makes me work again, because Im less scared when Im hopeful. Financial peace is mental, spiritual and physical. My first job was also at 12, delivering newspapers.
Dave you have changed my life man. I believe you are the final key to me finally understanding the true meaning to success. I ALWAYS blew my money growing up and was proud to do so. Now I watch every purchase I make. If I want to buy something I google it for reviews before even considering buying it. I will be 100% debt free this week. Making my final payment for my credit card. Only thing I technically owe money on is a cell phone that will also be paid off within the month. But the longest CC debt is going to be gone. I truly understand what you have been preaching for "live like no one else" and I do that. This video was beautifully made. Thank you so very much for being you. God bless you kind sir
God bless Dave Ramsey, his wife, and his team! They have changed my whole life and behavior with money. I get choked up thinking about how he has changed my family tree and so many others. It’s so hard to keep going but his voice and this community he has created keeps my fire lit 🔥
As an ELP I share Dave's story every chance I get. I strive to help people struggling with their financial woes and if I can visually show them Dave's story with his own words I will! Thanks for making this available
You've had impact on me, on my daughter and her sons. They have a way to go but live any believer. Plant the seed & the Holy Spirit will grown that seed. Blessing on your ministry
OMG.... found you later in life but thanks so much for all of your endless help and for sharing your story. I graduated during the late 70s and started a dairy farm while working at the saw mill where I was employed since the age of 14. Those were hard decades. But we didn’t know it at that time, it was just the way things were. We worked at times without electricity because the power had been cut off at the mill which helped me learn to live without power in my own home while cutting back to improve my dairy facilities. Eventually sold out, built a mortgage free house, went to work for the gov and back to school at night. Now I’m retired, no debt whatsoever and am thankful for those years that taught me how to live like no one else!
Dave is amazing. Changed my life and my wife’s live. We’re debt free next month. Army’s paying for my school and we’re paying cash for her college. I’m just not religious.
Out of debt because i listened to Dave...but I've traveled the world for nearly free thanks to understanding and manipulating credit cards. Its all about the discipline.
I’m listening 👂 & learning Dave Ramsey: I’m Believing; I’m spreading the word to my family & Friends 👫. I’m 53 I wasn’t taught but I’m not giving up on my “Dreams “ God Bless you ✝️🙏
I was in big debt but since i started reading your book 4 years ago called Total Money Makeover, it changed my life. I was able to get rid off all my credit cards in 1 year, then got rid off leased car payments and bought a cash car after two years, it has been 4 years and i got 3 months left to pay off my student loan and after that i am finally debt free. It was the best decision i have ever made in my life. Financial stress free forever. Thank you because you also put me closer to God.
Actually teared up a few times , great stuff I been praying for a while for God to help me get organized with my money and be a good Stewart but just never really knew how. I ran across Dave Ramsey about a little over a month ago and it's so practical and I have Been applying everything and it's actually fun when I get payed and my money is spent on paper already and I known actually where all my money is going , it's simple when you have a plan , and also You have got Me starting to think of several different ways to make extra money , thank you Dave !
True financial peace is having the strength to control your finances. To live a frugal lifestyle and live within your means. Credit cards? I control them. They don't control me. I have a few cards that I use on a regular basis. I have not paid a dime of interest in decade's as I don't carry a balance beyond the end of the billing period. Now that I am retired, I not only live like no one else, I give like no one else. It's fun to do.
When I’m down and life goes south. I watch this video as an inspiration. People who are at a dead end. Watch this video.
I'm there now.
*33K in debt* and started my *debt free journey* and posting my progress on TH-cam! 💯💃
Lady Tina Good luck！
Dave helped me payoff 6 houses !!!! THANKS MR. DAVE !!!! 5 of the houses are Clean and sober living houses called Oxford Houses and thanks to Daves teachings there is 33 people getting their lives back !!!! HOW FUN IS THAT !!!!
Paid off $78,000 in debt because if his principals. Now I’m debt free! Thanks Dave.
how did you do it?
You can with pay for financial peace university or listen to his channel for free. Eventually it’ll make sense.
@@carmenseguridad7105 baby steps
@@carmenseguridad7105turn off the lights when you leave the room turn down the thermostat right now
Thanks Dave. I'm an Asian immigrant. Grew up in post communist Hungary. Now here in the US. Age 30, $500,000 in the bank. A house, a wife, a kid. God bless.
Congratz, well done.
fsmoura thanks!
Well done if you don't need the money for at least 5 years you should invest most of the money.
Epic Gaming 👍
Congrats!
So Dave. For the past 7 years I have lived like no one else. Divorced because my husband chose wine over our family, I was bereft and without retirement plans...and 63 years old. So I had a job....snd saved literally every penny. In the past 7 years I saved 205 thousand dollars towards retirement , paid off half my house (80 grand) , have my 20 grand emergency fund, have my 6 grand new used car fund and believe me, during this time , read every book you wrote.
I am now 71 years old and am planning to retire from my very stressful State job and have a lovely side business, teaching Qigong to seniors. I plan to continue saving and paying off my mortgage as now this has become a comfortable lifestyle. ..and what do you know, living frugally is now a trend!
All this to say many thanks for your inspiration and your loving concern for us all.
Amazing!!! I'm proud of you for your outstanding accomplishments. I'm just starting on baby step #2 and shaking in my boots. But Hope will give me the direction I seek with perseverance in the forefront. This isn't for everyone, but I dream of a better life for my family and I. Keep up the great work and I hope you have all you've ever dreamed of.
I would wish you God's blessings, ut obviously, you already have them in abundance. Thank you for your perseverence and inspiration.
Woah,bravo! 👏👏👏👏👏👏👏
Thanks a lot for sharing your story, I'm 31 years old but it's always great to hear experience of older people than me, it gives me lots of hope.
Thanks again! ☺️🤗🤗
OUTSTANDING!!❤
Awesome
Dave Ramsey's insights have been a game-changer for me! His practical approach to financial management has empowered me to take control of my money and work towards a debt-free life. The Total Money Makeover is my go-to guide, and I appreciate how he breaks down complex concepts into easy-to-follow steps.
I can't stop crying... just when I thought that I was at the end of my journey I find Dave Ramsey! Now the fun begins, no more debt, no more not answering the phone, no more thoughts of ceasing life as we know it, no more... God, thank you for the introduction. Mr Ramsey, it is a pleasure meeting you, thank you!!!
We’ve all been there! How’s your journey going so far?
Keep it up! There is hope
Gone Thinkin how’s it going so far?
We need a update, gone thinking
Update please!
Dave has taught me more than anyone in my life. I'm not ashamed to say it.
me 2 x
When he explained the link between the radio show and his book through God, i got cold chills running down my body. God is amazing!
"I met God on the way up and I got to know Him on the way down."
He specifically says our LORD JESUS
@@dawnswenor6386 Jesus is not God! You cant kill God!
@Justin Stewart Jesus said: I am the Way, the truth and the LIFE. No other gods can promise you an eternal life!
@@JuweriaAli Yes, HE IS!
@@amaliadihel Jesus was killed by humans! How tf do kill a God!?
Each time I read or hear Dave's story I thank God he is sharing it.
What I love about Dave's show is hearing distraught people suddenly believe that they can fix their situation. Never fails to inspire.
Ramsey is the man... Haters will hate and will stay broke.. Believers will believe and succeed!! Dave, may God continue to bless you. Thanks for ALL your content whether it all applies to me or only some of it.
Just payed cash for our new used home, thank God for working through Dave.
Jason Walter where is his whife
Paid*
GREAT job!!! Happy for your family!
Been married 3 1/2 years, 50k in debt and we live with my parents. I would find my self driving around in neighborhoods close to home crying because I failed in having our own home. This happened a few times and it was an incredible burden to bare knowing that you are married, yet broke and can’t afford your own place. I was near despair but kept going trying to better the situation with unpractical money applications. That was just a few months ago. Two weeks ago my wife and I attended our first of nine FPU classes at Harvest Bible Chapel Elgin, IL. We now have baby step one secure and have begun baby step two with good traction! My hope has been restored and I believe that the best is yet to come! We thank you Dave for your story and your passion to help others see what is achievable by trusting God’s plan and stop being stupid. He has used you in a mighty way and still is as He has inspired us through you to walk by Faith in this area of our life which will transcend in all other areas of our life so we can share our story in the hopes to multiply the story and bring God more glory! We thank God for you, brother Dave and we look forward to our debt free scream!
In Him with love,
Scottie & Zuni Bloomer
Just sat down and wrote out all of my debts. That number was a shock. But I am ready to combat this debt with a budget. I can’t wait to turn this around and be debt free before I am 30!
Hows it going?
Any update here?
Hey
The exact same lessons Dave taught back in 1992 are just as relevant and pertinent today. Dave - thank you my friend.
True but they were 90 day notes meaning the old bank was renewing his loans every 90 days. The new bank did not call them they just honored the 90 day loan limit. If he had conventional or longer loan terms lik 5years he could have sold them and still made and kept his millions. what happened in the 80s was the way taxes were handled form making money from buy-ing and selling real estate. didn't hurt home prices it just slowed the market down because the buyerss had decreased. Another reason he could not see in 90 days. Extremely risky loans and extremely stupid like he said but he could have still made millions from real estate. he was over leveraged from stupid 90 day loans. 1.2 million on 90 day loans is beyond stupid. He has helped many people though and his lessons are great on how to get out of debt so Dave seems to be a great guy but just clearing up his story a bit.
^ his story shouldnt be relateable cause its a time period thing, if you're smart you wouldnt blatantly and blindly follow a story from 1985 in 2020 rofl
I was thousands in credit card debt and car loans when I was 21 years old
I'm now 26, I make $45,000 a year at my job and started a Vending Machine Business 9 months ago. And its doing well enough that I can quit my job at anytime and work for myself. Lots of that inspiration came from Dave and Graham Stephan!
That is awesome!
That’s awesome! Curious how much debt you were in? And how’s the business going?
I heard your exact story on his radio show
Thank you for allowing God to use you Mr. Dave Ramsey. Your story is helping more people than you know.
My mama always said, "Either you're a good student or you're a good worker." So true. Work hard and play hard brothers and sisters.
It took me almost 2.5 years to become debt free minus the house, I love the fact that Dave Ramsey has given us the tools to make our lives better. I'm not shooting in the dark, I have a real target.
That is so exciting!!!!!!!!!!!!!!!!!! Congrats!!!!!!
What’s the status on paying off the house? Your comment is 2 years old according to TH-cam and I’m excited for you. A paid for house and no debt you’ll stack cash like crazy.
Joey 2Pedals If you have a dream and a plan you can make it a reality!
big thing is to just live within your means or even better live below your means and turn your extra income into worker bees
Yes!!
I am so blessed to find Dave on TH-cam by accident. Wish found him sooner. On my path of living without a credit card, have cut them all. Thank you, Dave! What a blessing you are to so many people.
I just really love, adore and respect Dave Ramsey. My cheeks hurt so much from smiling listening to him share his knowledge, wisdom and experience. He doesn't just talk the talk he is living it daily!
n2meuc2 He's living proof of the power of focus and determination.
I'm going through it Now Today! I lost my job of 15 years...and about 2 weeks later I found out I had more debt that I have ever even known about. The thought of loosing my home and being on the streets in cold is so scary. You don't think that it can ever happen to you. But It Can!! Dave Ramsey is all I got rite now...I swear this man is gonna save my life. We are on a written budget trying to dig out of this. The day i'm completely out of this CC debt...I wanna meet this man and give him a Big hug. Were fighting Mr. Ramsey and were gonna Win! God has never given up on me and I'm not about to give up on him.
Ernie .. ❤️
U good now brother?
Ernie, hope you made it brother
Dave, thank you for staying humble, transparent, and moldable by God. It was an absolute honor for my wife and I to have met you last weekend in West Palm Beach. May God's hand continue to be over your life and ministry!
Mike Akers
Now we see why he hates credit cards, loans and debt.. way to go Dave..
45 Years Old and discovered Dave Ramsey yesterday.
I’m Feeling Inspired.
My Goal .. To Be Debt Free. Emergency Fund, Own a Home and Car, Give to My Son, and $800, 000 in The Bank.
Thank You So Much🌈
This story and many others in his book has changed my life
Percy Days i agree!!
His GREAT!!
Percy Days same here!
I’m 23 years old and stumbled upon this channel I was instantly hooked been watching every video for about the past month and I’m just banging it into my head now as young as I am with every thing I do with my money now Dave has made me more aware In every way I’m about to finish school and attack that student loan which is the only loan I literally have and I definitely don’t plan on taking out a credit card or nothing thank god I found this channel at the perfect time🙏🏽🙏🏽Ramsey is a legend and I will continue to watch your videos for years to come amen
I have been told by everyone in my family that loan is the ONLY way to have decent way of life. Dave you are blessing. I know save and invest is - peaceful way to decent life
I could hear this story a hundred times or a thousand but I always get a little chill hearing it. Its got to be amazing being able to positively impact so many lives.
I was tell people that I LET DAVE RAMSEY BRAINWASH ME for about 10 years when I used to drive truck every night at my job, I am a high school drop that dropped out at the age of 15 and because of Dave and his brain washing me into thinking correctly I am retired at the age of 39.5 years young !!!! IM DEBT FREE !!!!!
If you are fine with retiring at 40 your life truly sucks.
Why, the person is monetarily free to do what they want? Maybe you should think outside the box---there's work and meaning outside working a regular job.
+Alex I think somebody's jealous...
Alex Sounds like you're not as SUCCESSFUL as him. You're a bitter loser.
Df
Thank you Jesus for using Dave....
Hopefully one day I can show up to do a debt free scream. I listen to your show every day. The listeners inspire me, your story inspires me, and your hard truths inspire me. My whole family tree is a cycle of bad choices and I'm ready to change it.
anthony alvarado Good luck！
Every time I re watch this video, I'm filled with the spirit and can't hold back the man tears. Thank you brother.
29 years old, two college degrees (Bachelor and Masters), no college debt. Bought a 6 bedroom house at 26 years of age. Own 4 cars, 3 of which are paid off. I have a good career with great job security and I will be retired when I'm 55.
Its all about smart choices. You can come from a poor background and be a success. However you have to be willing to make extreme sacrifices. (i.e. Not going out to eat, having a car that gets you from point A to point B, paying off debt instead of traveling, not going to the movies). Now I can enjoy all of those things I never could before.
The same friends that kept bugging you to go out with them are now the ones so financially strapped that they are the ones telling you they can't go out.
Eric Romero awesome success hermano
What made you decide you get the 4th car and willing to make payments?
The 3 that are paid off. If he loses that 4th car, he has 3 left.
With your story you can help your friends get out of debt. Pay it forward.,
You americans only live for materialism its insane
Watching this all the way from Guatemala. I thank the Lord He's introduced me to the Dave Ramsey show the moment I needed it the most.
Thank you Dave Ramsey!! Three years ago I got a good paying job, and began to get serious about my debt. I would listen to your show, and think I can do this. Cut up the credit cards, paid them off, paid off a loan from the bank, paid off my car, and the only thing I have are mortgage payments that I'll be addressing soon. Being broke sucks. The freedom to help others and not stress over money is a freedom I did not enjoy before because of my selfish spending and not adulting about finances. I am now a Federal employee, and the shutdown really brought home to me what taking control of my finances did for me. So many coworkers were stressed, and had nothing to fall back on...living hand to mouth. THANK YOU, as I was not one of those people terrified of where to turn. Blessings to you always~💞
What a BEAUTIFUL, INSPIRATIONAL story! Im speechless. Thank you Dave Ramsey!
"Having a testimony is great, getting one is a pain." Hallelujah! I've been to the bottom and Jesus is pulling me slowly back up! Thank you Jesus! Hallelujah!
There now. But by the grace of God, what a story we’ll have to tell about how Jesus brought us out of bondage!
I just found Dave, but he's already helped me tremendously. My problems are nothing compared to what he and his callers went through, but it's really good to see someone who's been in the same situation and got out of it.
My family used the Baby Steps, and we are Debt Free and "living like no one else"! Words can not express my gratitude Thank you Dave, AO, Chris, Rachel, Dr John, Ken, Chrissy, and Ramsey Solutions.
the snippets of people cry and saying "ya we're trying" brought tears in my eyes. And that proverb 31 was very nice
Dave, I watched this video so many times just to keep me motivated. I suffered a job lost, friends not talking to me anymore, etc. Right now we have a tough decision that we are about to take please pray for us. Again, thank you for this video.
And here I am in 2024 watching it and very thankful to all your team for constant work you are doing!❤
Very inspiring. Dave's story reinforces the concept that many popular ideas are actually stupid ideas. The family destruction caused by debt is immense, and here is a man who is using Biblical principles to help people. Thanks, Dave!
In tears. I started listening to you 3 yrs ago. You changed my Life sir
I am for ever greatful!
YOU changed your life. he showed you how but you did the work. well done!
Hi Dave
My name is Mohamed and l recently started to listen to your videos on TH-cam as I’m based in London, and I wanted to thank you for your educating and inspirational content.
"They weren't looking for a book, they were looking to believe again."
Thank you for this story, I've been teaching financial peace to literally hundreds of high school kids for 6 years and have never really dug into Dave's background but have always took it on faith that he is genuine and this story proves that. Its amazing how many high school students come to me with so little hope, so little belief and Dave's program has really helped me help them. I certainly still have a ways to go in getting a majority of them to "buy in" but I think showing them this video might help. If nothing else, it will help some of them and that's all that matters. Thanks Dave!
Your story changed the course of our life. Thank you for sharing through Financial Peace University Dave!
I prayed and prayed with hubby to get out of debt and he put u on my path😍❤️ty for giving us HOPE
Thank you Dave for teaching me not to give up. Paid off my Tesla Model 3 and graduated college debt free living below my means while building wealth with my 80k portfolio of investments. Keep up the good work and teaching people the value of a dollar. ❤️ you are a national treasure
209 dislikes, must be whole life agents or dealership finance managers
Dustin Dellera 😂
Ha
chrysler credit
@Justin Stewart what does it hurt?
His story doesn’t have anything to do with whole life agents or dealership finance.
It has to do with being financially irresponsible. But, that’s a bit tricker to understand than a simple story. Plus, products like whole life insurance and debt financing is an easy punching bag.
Also, it’s easier to blame something else than take responsibility for your own failures.
'Having a testimony would be great but getting one is a pain'. Luv it!😂so true
These basic financial principles changed our lives forever and gave us the financial peace we really longed for but didn't know how to get.
I have read Total Money Makeover; I have been to a live event; I have listened to the radio show; this video tells your story in a way that really drives the pain and the point home. I could feel your despair when you were young and sinking in a downward spiral. You not only helped yourself get out of debt, you have helped so many people get a hold of their money and of their marriages. Now, you have the personalities that add a different layer to the show. They have expertise outside of finance. All of the life issues are interconnected. You tell people who have succeeded, "I am proud of you." Well Dave, I am proud of you. You have a ministry and are doing God's work.
Thank you dave ramsey for your words of wisdom. Been watching your videos for the past year. My wife and I were in $70,000 of debt between credit cards, car loans, and a heloc and living paycheck to paycheck. We took all your advice into play and finally committed to selling our rental house. We paid off all our debt and we're able to place a considerable amount in savings as well! It's amazing how much more wealth you can build when it's not all going toward paying off debt. Our stress levels have gone down 10 fold and this has been a saving grace in our marriage. Thank you for inspiration and keep on helping others! Lord knows you helped us
Problem is getting out of debt or saving up cash requires sacrifice. Most people don't want to sacrifice because it's hard. Our culture is obsessed with comfort and convenience which makes living debt free difficult. We don't want to sacrifice but nothing worthwhile is ever easy.
Buddy Dyer so true!
Can def relate and agree. I save $400/month into savings and $200/ month into my IRA. Hoping to up the IRA once more debt is paid off but in the meantime I'm ok with that. 😊
Dave has changed so many lives for the better. He's not one of those guys trying to sell you something....he does what he does because he really enjoys helping people.
Dave… thank you… you helped me realize how to think differently and act differently… just like you and all other leaders that live to help others. Blessings your way… Abram
Bawling my head off 😭 words can not express how thankful and grateful my family and I are for your testimony and Gods leading. Thank you. Blessings, Deborah 🙏🏻❤️
Pretty eye-opening story. Thanks for sharing and doing what you do!
200.000 people/family's are finding hope with you Mr Ramsey. Thank you and god bless you.
HIS STORY ALWAYS MAKES ME CRY. THANK YOU FOR SHARING YOUR STORY. AND YOU ARE STILL HUMBLE DAVE.
Thanks to Dave the only mail I get now is preapproved credit cards 😂 I bought a really nice shredder just for them.
GOOD for you! Keep it like that ;-)
I stuff all of it back into their postage paid envelopes and mail it all back to them.
There's an opt out option on those offers. Call the number and follow the prompts.
No wonder he flips out on people who ask him about borrowing money to flip property.
Yep!
rustyscrapper It's a dangerous slope that can quickly bring you down once the market turns.
They were 90 day loans though, meaning the bank did not just randomly call them up they just didn't renew the loan. he could have kept and made his millions if he had 5,10,15 year loans on them most likely. home values did not crash like they did in 07-08. now Dave is right about the whole debt thing but borrowing money on real estate when you have no consumer debt and the payments are extremely low compared to your income is not a bad thing per say.
@@naddarr1 Loans can make real estate very profitable. By using loans, you're able to get to leverage a property for 1/4 of the price. Not only will you get some good cashflow, but you'll have someone else paying down the loan, which gives you more equity. This is even safer if it's a multifamily unit.
Even though Dave Ramsey lost some properties, let's not forget that he was profiting 250k/yr and had $1million after. This was all in the span of 3 years.
@@kdogthehandyman Debt should never be the norm when investing. It should just be looked at as a very temporal means which you have to financially work through (meaning working to pay off, of course) to get to equity. Once you have equity then that should replace debt ASAP. At least, that's how smart people treat money. I know the crooks, schemers and financial profiteers and backers of Wall Street are high risking wheelers and dealers who operate on debt but remember they're also a bunch of cons and thieves as well. They tell you information that lines their pockets because they play around with numbers and credit default swaps etc. all day long like the financial risk takers they are but honest money advice for the smart and common man is not to spend more than you make.
Banks don't hand out loans because they lose money, they do it because they profit off interest rates and because they have more than enough fools out there willing to sign a dotted line without thinking things through. Bottom line, any time you go into the red (debt, borrowing) on your investments you are taking pointless risks and might as well be gambling in a casino because building equity coupled with spending within your means is how you get and stay ahead financially. Us common people have to play by those rules to make it. As for Wall Street, well, they can take risks when they get subsidies (our tax dollars and Money printed by the FED on demand) and have members of congress in their back pockets working things out for them and when we end up paying for their mistakes. Which is exactly what happened in '08 and continues to happen. Unfortunately, we don't get our secured personal debts cushioned like they do so we have to be careful with our money.
I think ever dave Ramsey hater should listen to this. I've listened to the podcast for about one year, and this has definitely opened my eyes to his past.
Bless you Dave and Sharon... You have helped so many people and given them hope.. I live in New Zealand, i have no debt's, however I'm on a very low income, and its a struggle every day, I put aside a small amount of money each week to put in an emergency fund and xmas fund for food.. its been a hard row to hoe, but the best thing about my entire situation is, that I have no debt, and I may not have a car or bus money but I can sleep at night... Wow you guys have been the light at the end of the tunnel for thousands in financial trouble.. Thank you.. :)
Excellent story at 42 years old Dave Ramsey changed my life,with his advice May God Bless him forever!
hi Dave, I've been watching your videos everyday all the way here from Philippines. there's no chance for me to take ur class because of the distance but I've been following your advice. currencies maybe different (I just do the math) and time as well. but ur advices makes sense and it's biblical. the instructions really helped me to start and still in baby step 1. just started recently. thanks Dave.
Sarahj Apostol Hello. Did you buy the book? What’s baby step 1 ? I just recently stop using my credit card .
@@Sir_BoazMutatayi I'm sure by now you know but step 1 is save $1,000 as fast as you possibly can
Sarahj Apostol Just look up baby steps. The class is no different. He just invests in 500 s&p index funds.
I have been trying to take in a lot of financial advice recently, but no one has left a bigger mark on our family than Dave has
Im 25 I know im young but it feels like I’ve just been behind my whole life until I found this show. I feel hopeful now
Thank you Dave! I don’t think I have ever cried so much in a day as today.. I have never been a very religious person, but you have really changed my life today. I am a new listener to your program and I don’t even know all of the baby steps. But I am on my way to changing my future with your advice and ideals. I appreciate you so very much. Thank you for your help, and I am hoping to help others with your wisdom as well.
I've always lived the way Dave teaches. It's the only way to go.
Why are there 47 people who dislike this... Obviously never been in major debt..
Dave is my hero! 12k debt down only 3k more to go
+Travis Bell by the way that's in one year..
Great job! Keep it up! :-)
Are you debt free?
Travis Bell probably credit card and loan companies. This is not convenient for them. They want America to continue to be in debt.
Dave's advice involves money but what he gives more than anything else is hope.
My senior year in HS I took a class in financial literature and everything Dave Ramsey said is so true looking back on in almost 12 years ago. Don’t ever believe you can’t escape from the mountains of debt because you can if you plan a budget and spend safely. Ramsey is the epitome of how you can escape from the depths of darkness.
Dave Ramsey changed our financial family tree. We don't always get it right, but God's grace is sufficient. We just pick back up and keep going. The stories I hear on the Dave Ramsey Show give me the encouragement to do so.
A true example of someone living their purpose
Im in a high stress situation right now, procrastinating by watching this. I need to take action and get work done. Dave ramsey makes me work again, because Im less scared when Im hopeful. Financial peace is mental, spiritual and physical.
My first job was also at 12, delivering newspapers.
Dave you have changed my life man. I believe you are the final key to me finally understanding the true meaning to success. I ALWAYS blew my money growing up and was proud to do so. Now I watch every purchase I make. If I want to buy something I google it for reviews before even considering buying it. I will be 100% debt free this week. Making my final payment for my credit card. Only thing I technically owe money on is a cell phone that will also be paid off within the month. But the longest CC debt is going to be gone. I truly understand what you have been preaching for "live like no one else" and I do that. This video was beautifully made. Thank you so very much for being you. God bless you kind sir
God bless Dave Ramsey, his wife, and his team! They have changed my whole life and behavior with money. I get choked up thinking about how he has changed my family tree and so many others. It’s so hard to keep going but his voice and this community he has created keeps my fire lit 🔥
As an ELP I share Dave's story every chance I get. I strive to help people struggling with their financial woes and if I can visually show them Dave's story with his own words I will! Thanks for making this available
You've had impact on me, on my daughter and her sons. They have a way to go but live any believer. Plant the seed & the Holy Spirit will grown that seed. Blessing on your ministry
Such a powerful and inspiring testimony, Dave! Thank you for your ministry and for pursuing God the way you did and continue to do. 👍🏼
OMG.... found you later in life but thanks so much for all of your endless help and for sharing your story. I graduated during the late 70s and started a dairy farm while working at the saw mill where I was employed since the age of 14. Those were hard decades. But we didn’t know it at that time, it was just the way things were. We worked at times without electricity because the power had been cut off at the mill which helped me learn to live without power in my own home while cutting back to improve my dairy facilities. Eventually sold out, built a mortgage free house, went to work for the gov and back to school at night. Now I’m retired, no debt whatsoever and am thankful for those years that taught me how to live like no one else!
You are a good man. My goal is to serve and give. Your methods will get me there!
God Bless you Dave. You are a hero.
Dave is amazing. Changed my life and my wife’s live. We’re debt free next month. Army’s paying for my school and we’re paying cash for her college. I’m just not religious.
Out of debt because i listened to Dave...but I've traveled the world for nearly free thanks to understanding and manipulating credit cards. Its all about the discipline.
This made me cry
I’m listening 👂 & learning Dave Ramsey: I’m Believing; I’m spreading the word to my family & Friends 👫. I’m 53 I wasn’t taught but I’m not giving up on my “Dreams “ God Bless you ✝️🙏
I was in big debt but since i started reading your book 4 years ago called Total Money Makeover, it changed my life. I was able to get rid off all my credit cards in 1 year, then got rid off leased car payments and bought a cash car after two years, it has been 4 years and i got 3 months left to pay off my student loan and after that i am finally debt free. It was the best decision i have ever made in my life. Financial stress free forever. Thank you because you also put me closer to God.
Actually teared up a few times , great stuff I been praying for a while for God to help me get organized with my money and be a good Stewart but just never really knew how. I ran across Dave Ramsey about a little over a month ago and it's so practical and I have Been applying everything and it's actually fun when I get payed and my money is spent on paper already and I known actually where all my money is going , it's simple when you have a plan , and also You have got
Me starting to think of several different ways to make extra money , thank you Dave !
Without you Mr. Ramsey, I would not be planning on attending college in state. Thank you.
This man will be the reason I woke up and became a millionaire.
Thanks, Dave.
True financial peace is having the strength to control your finances. To live a frugal lifestyle and live within your means. Credit cards? I control them. They don't control me. I have a few cards that I use on a regular basis. I have not paid a dime of interest in decade's as I don't carry a balance beyond the end of the billing period.
Now that I am retired, I not only live like no one else, I give like no one else. It's fun to do.
Thank you Sir for helping me.