Learning To Say NO - Dave Rant
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- เผยแพร่เมื่อ 1 ก.พ. 2025
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We wanted to get pizza delivered tonight because it's a holiday and we deserve it.
After watching this, I'm boiling a 88 cent pack of spaghetti, making my own sauce with 3 lbs of tomatoes I bought on markdown for 99 cents and defrosting some ground beef that I bought on clearance. That's what's for dinner tonight. Not some $20 pizza.
Always love coming to TH-cam to watch these rants when we have moments of weakness.
How is the plan going? After about 6 months of recklessness I feel I'm finally getting back on tracj
And it was probably much healthier 🙂 good luck
$1 mac & cheese and 88¢ green beans with some diced onion for me.
This is a great tip!!! 😱❤
I always say, oh no.... I need this. Lol
Dave is like the family's rich uncle that no one talks to because "Oh, well, he's crazy because he found a way to get out of debt and doesn't mince words when he sees us getting under in our finances." But if you listen to this rich uncle, you will find a treasure trove of invaluable tools and methods to help you to obtain a financially peaceful future if you are willing to make the sacrifices.
No
This is what my wife and I used to argue about. Saying "No". We're only 24 but our families always ask us for money because of how much we make and the moves we're making financially. We share the lessons we get from these videos and how we're able to afford our new car and our new house but they don't care about that. They just want the money we bust our tails for every day. What sucks is that my wife gave in because she's just a sweetheart and doesn't say no despite knowing our goals and despite knowing I'd be upset. Point is, saying no and sharing the things they don't want to hear is powerful.
he's the rich uncle
Or not...I guess if you are just financially irresponsible and don't know crap he has advice for you...but he doesn't really give any advice he just tells you to work your dick off and not spend money....that's not great advice. Obviously if you work 6 jobs and eat Ramen noodles everyday you will be able to save money
Learning to say "no" is the best thing I ever learned. I said yes way too many times to people and things. Looking back I realized I used my cc's because I had given my extra cash away expecting pay back. SMH. Amazing how quiet my life is since I started saying NO... Luv it! On baby step 3! Restarting 401k/Roth (baby step 4) late September. Feels great!
Congratulations Theresa!
Well done.
Keep on keeping on.
Stay blessed.
And they ALWAYS will pay you back during Income tax time. 😉🤨
My wife introduced me to your program and videos about 30 days ago and I'm on baby step 2 now. Thank you for waking me up and realizing how much money I was throwing away each week off my paycheck. I've saved my emergency fund and just paid 750 dollars towards my smallest dept. I can do this and now see a path to financial freedom thanks to you. I really appreciate it.
Christopher, we just show you how. YOU are the one who is taking control of your money. Great job man!
How do you access the baby steps?
Christopher Mallory How is it going now Christopher? It's a year later, wondering if you are still sticking to it. I am just beginning my journey.
Woodly Tisme: Just google them - they are on his website.
The most important person that I ever had to say "No" to is myself.
TheRisky9 👏🏼👏🏼👏🏼
so true...
Tomorrow I knock off TWO credit cards! Feels good.
Congratu freakin lations my dude:D
Way to go!
I just increased the limits on 2 of the 3 cards I have. The pleasure is short lived.
No
It’s been two years since you posted this, are you debt free know 🤔
One definition of maturity is learning to delay pleasure-Dave Ramsey
"Do we need it? No. Do we want it? Yes." If people would just separate fun from necessities, they'd be able to survive. My husband and I have been able to pay debts and have fun stuff, cause we pay necessities first and then, when we want to have fun, we buy stuff on sale or save up and then buy. We don't buy new games, etc.
I gotta write that down . . . and send it to my immature sister!
The definition of maturity Dave Ramsey read.
Felt that 👍 I’m only 5yrs late but better then never lol
Financial edging
After 7 minutes of hearing Dave say, "No" it actually empowered me!.
Thank you for reminding me that NO is a wonderful word. I stopped buying expensive things and I enjoy buying things from the dollar store.
Dave's grumpy days are my best motivational days.
Live like no one else, SO LATER, you can live like no one else.
Tom Arena another way i like to think of this is that you must do what others don't so that you can have the life that other won't
Tom Arena and... "GIVE" like no one else. Everybody conveniently leaves that portion out.
Tom Arena The greatest mantra ever!
So Im supposed to wait until I am old and in my worst physical state to start living life?
@@sychophantt ur a idiot
Learning to say “NO” to myself got me out of $120k debt, with 3-6 months emergency fund, and bought my house, And I’m still saying, “NO” on $10 lunch.
Congratulations.
Absolutely well done.
I wish I'd learned the difference between "Having the money" and "being able to afford it" at a much younger age.
TheFiremonkeyman tell my wife that lol
I love this one Dave! This culture has lost its way in some cases, glorifying football and weddings more than protecting the family or saving for retirement. A necessary dose of truth!
Hardest word in dictionary to say but smartest word. We thank you, Dave Ramsey!!!!
💯💯💯💯💯
My parents lived through the most prosperous era in history in the richest country in the world and made a lot of money in their lives but ended up with nothing because they never grew up enough to delay gratification for even a little while.
Mine are the same
That’s sad. I think many people do that
Here i am binge watching, changing habits and my life for generations to come......smiles wide!
The "yes" culture. Saying "no" is seen as rude. Don't say yes when you want to say no. Saying no is being assertive not aggressive. It's backing your beliefs and desires.
I was excluded from a group of women friends at work in the first year of my career because I couldn’t afford to spend on lunches, outings, and events the way they did. At 56 I’m an everyday millionaire and I can quit working anytime. Idk about them.
His rants are awesome.
Wish I could like this a million times! He's right on point with this society in general. Everyone is so offended and sensitive, you'd think at times, you were talking to overgrown 2nd graders.
Today I said NO! to a company offering me a 0% interest CC for 10 months......It felt very...very... good! 💪💪
Janeth Lorena Vasquez Toro that's not difficult at all why are you excited
+Kirby Dan 😂😂😂😂😂😂
I know people who got 0% interest card. Transferred interest bearing debt and paid it off interest free on the remaining balance. Dave would flip over that but mathematically it makes sense if you can use it to your advantage. Pay it off asap and cancel card.
Tell that company to offer you a job
Janeth L Vasquez powerful no
I said this word to myself before I bought my first flat-screen TV. Waited until I could afford it at the right time at the right price. Appreciated it more too!
If I ever wanted to buy a flat screen tv, which I don't and have never bought, I would get one free or cheap on Craigslist.
Who needs a flat screen tv? Nobody.
Who deserves a flat screen tv?
Nobody.
Keep saying no.
This is so funny... my 4 year old tell me all you ever say is No, No, No! mommy when will you say yes to me? I told her when I complete my plan with Dave Ramsey...
CLAUDIA NIETOLUCIO say yes when they ask if they can get a job lol
Daniel Bennett
Hahahahahahahahahaha 👍
"Well, ask me if you can clean your toys up." Yes!)
Tell her she's just not asking the right questions;)
😂😂😂
Everytime I feel myself slipping from the plan I watch this. Thanks uncle Dave.
People don't have enough freaking backbone to say "No". Love it.
I love saying "no" at work when people hit me up for money for baby showers, their kids school sale, going out to lunch etc etc. Boy do people hate you though.
lambchopxoxo so ture
Become their boss and they won't invite you lol.
@Always Be True To Your Own Self
PREACH!
😂😂😂😂
My niece was having a baby shower for baby #2. My sisters wanted me to kick in money. I said no, she has everything she needs from baby #1. They weren't happy with me but oh well.
can't wait to be out of debt SMH. $4.4k left
+Alonso Gadea Keep it up Alonso, you can do it!
+Alonso Gadea Way to go! Keep it up! Debt is dumb. Cash is king!
I recently paid off my student loan. $6,000 in ~ 5 months. Thanks guys for the support! Feels great not having any debt upon graduating. =D
Thanks to Tax Returns, some FAFSA, selling things i no longer used, side jobs, and a raise at work. It really is a mindset
+Alonso Gadea Great job!
48K more for me :( just started my first budget
LOL I am cracking up at work! "NO"
Yes Dave. I agree. Learn to say NO.
Dave is right. I'm single and have to say No more to myself. I have bills that could have been paid off sooner with a emergency fund, I didn't do either one. Then I had things happen, like hospital stay, car accident and a few other things. Now I'm hurting. Should have listened years ago. It's tough, but now I am making progress. It will take some time, but I am committed to doing thing right to get everything paid off (-the house) the next few years. If anything else happens, I will be in serious trouble because I waited to be serious about this.
Saying no can be hard because sometimes it puts guilt in you but you have to say no and set boundaries regardless. When you say no be firm with it. Don’t feel guilty about setting boundaries and saying no. Dave Ramsey is already making it easier for me to say no!
Once I learned to say no, I lost all my friends, gained full self respect, became a better saver, and love God genuinely with all my heart
Good for you 👏
I found it awkwardly and really hard when I have to say "no" to homeless people. Because my heart wants to give all the time but I'm not where I want to be financially. It's hard to say no. But one of Dave Ramsey's quotes that I really love is that you live like no one else, so later you can live And GIVE like no one else" this really helped me. Sometimes not helping people and giving them money, gives them the power to help themselves.
vincent bryan
It is true. If you gave $ to everyone you saw asking for it you would have none. I have $30 in my car in 1's. I use that money each month to help people on the streets. It helps them in some ways but I don't go broke either. Just budget for it if you do want to give. I give and I feel I am blessed for it because any time I have hit hards times someone would help.
Isaac Spencer good for you bro keep the drug trade afloat
Kevin Garbaccio take them to cheap restaurant buy them a meal don't give $ or cards they resale gift cards too.
I am going to distribute meals not give money.I donate clothes to womens house
Same and will give if necessary after my expenses are paid
I am making my husband listen to this one when I get home!!!! He can not say no to our 3 & 5 year old and it is horrible.
+Rachel H update?
they are divorced.. lol
Sarah Bucket that's messed up
Update?
I bet ur mad they like him better
“NO” is a complete sentence! 👏👏👏
I'm used to the word 'no', my wife has been using that word for years. No and headache.
lincolncity9 lol that's funny and sadly true!!
Sounds like you need a much, much, much better education on that subject. 🤔
😂😂😂😂😂
Lol
I thought it's only my problem...
This is exactly what I need to be listening to. Subscribed.
NO! .... lol Love Dave Ramsey! ... There is a lot of truth in what he says. He is being practical.
“Snot flying everywhere, tears going everywhere, laying in the floor, spinning around like they’re breakdancing in the cereal isle of a grocery store” 😂😂😂
I don't understand those who disliked this informative video. I mean, what's wrong about controlling yourself to squander your money on things that you don't really need?
Apollo Oculus I don't know, honestly. I can only speak for myself; I think a person can learn finical responsibility. I am unsure if financial responsibility is related to believing system not just a pattern. Blessings to anyone reading this. I pray you prosperous and learn financial stability.
I agree with him about saying no to ourselves, but on the flip side no one is guaranteed tomorrow. I mean what is saying yes to yourself once for 500 ... as long as its only once. At times I think he is OVERLY restrictive when it comes to spending, then again the majority of people have almost never said no to themselves in their lives, so I understand why he's so strict. I didnt thumbs down tho... just didnt rate.
Downvoted for his political diatribe about taxes and having to pay government. Not everyone shares his cynicism about government employees. Also, Dave's wealth is estimated at $50 million. What is he crying about?
@@roguenify he's crying that he might have to pay taxes
No football game is worth $1500.
Jeff C agreed
y'all sound broke
If my team was in the super bowl and I had the money for it, I would throw down for that. Otherwise I completely agree. People in general waste a ton of money on sporting events
Those games look better on TV
Soccer world cup cost much more.
A popular seat is over 5k, not even vip , vip cost 15k
Dave, you are the best. I love how raw and honest you are.... the addition of your witty humor and sarcasm is great. Love you!
Thank you very much, for bringing clarity on debt subject and teaching us in our society to say “ NO”
So much needed
This is one of my favorite rants.
The best motivation when you feel off track is a Dave Rant. Thank you Dave
No..the nasty word. love it dave😂
Dave Ramsey said it, best at 7:36-7:49...
The number of people I know who play the "I deserve it." card would surprise you.
I'm a nerd: I counted 37 "no"s in under nine minutes. Classic!
Lol
Okay
This word no is a word that I need to learn how to say . Over the years i have worked and saved and invested hard as well . The down side is my family always asks me for money and i have helped them . BUT I HAVE REALIZED now that it has only made them weak and more dependent on me ..
I know it`s frustrating Guys but Dave`s right, your team will not be there for you during financial hardship will they? So much sweeter going after you`ve completed step 3, doing the adult/mature thing to protect you family.
Good luck Guys.
Haha! I was listening to this and my 17-month-old son started shaking his head and saying, "Noooooo! Noooooo!" X-D I feel like that's the ONLY word I say all day, but maybe that's a good thing!
I found Dave Ramsey accidentally when one of his videos popped up on "suggested" videos list. Long story short, I heard his seminar and thought he was talking directly to me. It was a born again moment. I buckled down and paid off a tax bill that had been lingering around for 6 long years. It took a measly 5 months once I decided to throw everything I had at the lousy $12,000 debt. I had to say "no" to a lot of things: trips, nights out, giving gifts on birthdays and Christmas.
Girlfriend: can we go out to eat tonight? It's our anniversary.
Me: No.
Girlfriend: *breaks up with me and I save a lot of money
you're joking but I actually know a girl who did that👍😔
@A to G to U
Probably for a good reason?!
I mean going out on the anniversary is far different then always going out and wasting money... especially going out/doing something on your anniversary doesn't have to be expensive.
You can do a lot together that doesn't cost a fortune.
Did you even do anything together with/for your girlfriend?
Because girls ain't leaving usually that easy after a no...at least as long as there hasn't been something already boiling long term in the background.
😂😂😂😂😂😂
Will I die Single then? 😑😑😑🥹🥹
@@srs9973 Maybe not if she doesn’t mind frugality.
In the beginning of my marriage the word No was seen as an insult, setting boundaries was seen as offensive by the people closest to us. But over the years my husband and I have learned that the people who were being this way were the unhealthy ones not us. Don't let anyone family/friends or strangers walk all over you or guilt trip you into toxic unhealthy relationships.....just say No and let them deal with themselves.
Feels good to say NO!
I'm a die hard packer fan but remember the quote by Vince Lombardi that the important things first are religion and family then the Packers. Taking care of the family also means being smart with money. I cut out NFL Sunday ticket from my budget to pay off debt and believe me that was hard but it's also hard being in debt.
Love these rants! Dry humor is on point too haha
I can't get enough of listening to you, because of your common-sense. You're comedy (though truthful)
Brilliant! I've got quite good at saying " no". It's amazing how many people here in the UK will find the money for new mobile phones, yet more clothing, nights out, holidays, new car, etc but panic at the thought of losing their job because they have no savings. I know a lot of people who spend their money as fast as it comes in because they are constantly enduring themselves like overgrown kids. And then people wonder why so many kids have grown up with a massive sense of entitlement!
I told a group of young people one time at church that one of the most important words they would ever learn to use is the word NO, and that one of the most important people that they would learn to say NO to is themselves.
I've been working on paying off my debts, and every time I think about buying something I can't afford, or signing up for monthly payments on something I have Dave Ramseys voice in my head saying 'NO! You can't afford it, you're fricken broke!'
I don’t understand why some people learn and some seem incapable of learning. I learned the lesson of credit cards when I was 20 and bills took most of my paycheck. It was awful when the only thing to cut was the groceries and cheap food isn’t very good. I swore to never go back, then I married the wrong man and had to learn it again. Now I’m debt free and nothing will ever change that!!!
Good job Lauren!!!similar to my story. People can make you or break you.I guess you have to be tired of BEING tired of debt to fight for Finincial Peace!!!!!!!!!!
Been on this plan for the past 3 months half way done .thanks sir
I’m not gonna lie, saying no to someone is difficult for me. But after watching this, I believe that’s when someone needs to hear if it’s an inconvenience for me.
I wish I learned how to say NO 5 years ago. Excited about my baby steps. Thank God for your wisdom Dave.
Watching this makes me reflect back on how many times I haven't said no and tried to beat around the bush.
This will make you go from ordering a pizza to being a delivery driver instead 😆😂😂
The look on Dave's face after reading the first sentence is priceless.
No no no no no no no no...... 😂😂😂😂😂👍🏼👍🏼👍🏼👍🏼👍🏼 my kids and my husband heard that a LOT. 😂😂😂😂😂
Dave you are a real man. Thank you Dave.
people who can't delay pleasure are usually the ones who end up getting their stuff repossessed. sheesh!
ir10031981 And calling Momma to give them a loan they will never pay back!!!
58 bankers didnt like this advice.
Hahahaha
Dave Ramsey for President
He would shut down American Distress and Master Card too 🤣
2:35-3:20.; I'm rather fond of this word & it feels good every time I say it.
No is a decision, yes is a responsibility.
I can watch this over and over again “No” 😂
Reading all your books. Had to read so much to give them more common sense knowledge. It's helping my brother and sister too.
Big Dave Ramsey fans from Canada and I must say, by far the funniest clip I’ve seen of him! Love it!
Great speech. Delay gratification now in order to later be wealthy, retire, or to be prepared for an emergency.
6:47-6:50.; The same, here, Dave...
"No." changed my life, a long time ago.
No I’m gonna vote you out because you can’t say NO! I heard that!! I love this rant!
God bless you Dave you are the only one making sense these days
Amazing rant. Working sales I heard a guy tell me I need to Remove "no" from my vocabulary. My response was simple, and because of it he came back and bought from me, No. No is a simple and boundary setting word that does not mix feelings. Perhaps that is why it is politically incorrect; it actually tells you something instead of beating around the bush.
I come back and listen to this one often as I grow
One of my favourite Dave rants!
7:45-7:54.; Well said, Dave...
Good words to live by.
I went to Green Bay. But I did it before I knew about Dave. I regret nothing. But not returning until I am in a better financial situation.
No! Such a powerful word.
I said NOOOO to my boss and now I am jobless....
Dave you didn't tell whom you should Never Say NOOOO
Dave's look at 0:11, I am on the floor LOL HILARIOUS!! Gotta ❤ Dave! 😄
😂😂😂
I needed this five years ago, thx Dave
Dave is so funny and so right. I came of age in the 70's. I grew up with depression baby parents who always paid cash except for the mortgage. I learned moderation and patience but then.......Retail store credit cards and Visa&Mastercard swamped our society and that's where the irresponsible impulsive childish spending started. US News & World Report has an interesting article titled "The History of Credit Cards"
Thank you. You nailed it!
Noooooooooooo! ❤ Dave Ramsey!!! His rants are hard hitting!!! He gives the best advice!!!!
Brilliant,so simple yet so very wise,Dave is an inspiration.
If you cannot pay your bus fare like everyone else, you cannot ride the bus. NO!!!
PREACH!
Well alright! !
😂😂😂
I live by "do without" and am debt free with relatives asking me to cosign.
Anytime I feel spendy I look for a Dave Ramsey Rant. The perfect remedy.
My mother was absolutely TERRIBLE with money. She passed away 13 years ago at 69 She was $6000 in credit card debt when she died.
RIP Mama.
I remember once I said NO about something. She said:” No is a terrible word Anna” go figure
My sister, who is terrible with money, asked me for a loan for a house deposit, as she wants to move, despite having a perfectly nice home. She cant get credit as her score is basically zero. I invest most of my money in stocks, and it has gone up 7x.
I said no..... But I offered to give up any amount of time she wants, to advise on her saving or investing. I can help her get out of her lease.. but I am not giving her my investment money.
Respect.