I heard about Dave Ramsey in 2007 but really started listening to the podcast about 6years ago. Now a daily listener, As of last month my family is debt free. Home and everything
I have just watched one of his video "accidently" 3 months ago and i've managed to get debt free! I love this motivation i got from Dave and all his team! They are really saving people from great anxiety! God bless them all.
uncle Dave would be proud of me. Just paid off my house and now i owe $0. took 6 yrs to paid it off along with 2 vehicles. both bought new at 0% interest. Not to brag because that’s nothing when compared to what other folks achieved. However, it took a lot of grinding and financial discipline to get it done.
had a long talk with my co worker who shared alot of things with me and he told me about this channel so im tuned in to learn .40 years old and need to make major changes in my life for myself and kids
I hear what you’re saying, but he’s been doing this for over 30 yrs. Part of being a great leader is giving others the opportunity to rise up and use their skills (as well as sharpen them) to get to where they want to be! Perfect example of servant leadership!
@@jasoncurtis6105 I totally agree and think passing on knowledge to the next generation is wonderful. I am speaking as a spectator about the entertainment value only. I think the show was more entertaining without the disciples.
So confused about the caller towards the end of the show that was having a custom home built. The original quote was over $400k. They’ve only drawn $118k so far…and the house is 90% complete? And now the builder is saying it will cost over $600k total? Something is not adding up. Did the builder do a bunch of work with his own money, and they’re not paying him?
The math on construction loans is often fuzzy....Based on my own experiences, an accurate cost of construction works like this: take the original estimate, multiply it by 2, and you will have 50% of your house or work shop paid for....maybe
School debt so completely stinks. The more I watch Dave, the more I think, how do colleges do this to people? $27k approx debt for 4 years, just making $30k / year. Not like this some years ago
1:20:00 he should just cash out refinance down to 20% equity and sell his car. It’ll clean up the monthly cash flow and skip 2 years of saving up a down payment and take advantage of the cheapest house rates ever and keeps 2 years of equity growth and spares his family the trauma of moving twice in 2 years. Atleast.
The first caller has an over 6 figure settlement that he can use to pay off HIS credit card debts. Creditors try to track down people who owe, so it really shouldn’t be too difficult to track down the creditors to PAY them. I’m sorry. I have a simple mind. This is simple research. Meanwhile, you have countless others with NO money, all kinds of debt AND “current” substance abuse problems who are dodging creditors.
My thoughts exactly. Been clean all my life. Business degree. Handle millions of dollars for my employer. I tell head hunters I want $100k to make a move and they look at me like I have 3 heads. Meanwhile some guy is sitting on a 7 figure settlement pulling down 200k on top of that and he's calling a radio show for help? F me!
I don’t have debt but I barley make any money and I’m to scared to take on debt to buy anything. I only eat every other day and eat one cup of ramen noodles on the day I do eat and I save every dime and live in my car because I’m to scared to spend the 200k I have saved through the last 10 days of robbing banks, I’m gona just give it all away and live on a frozen island
Commenting on one of the first calls about the guy who's wife is tempted to go back to work, why is it when couples are in huge debt dave has no problem with the Man working 2 hundred hours a week and not ever seeing their kids but for women he will make excuses un til the cows come home? Whatever happened to gender equality 🤨
@@barbieblue3336 It bears the hallmarks of a classic Alex Jones flic. I think it's in poor taste, but that's just my opinion, and he can do whatever he wants.
You're still a hero if all you saved is yourself and therefore your legacy. You're never gonna come up by tearing others down so calm down for a sec, and stop indulging in the cognitive distortions that make you so bitter.
Dave is wrong here. You agreed to take the money. You agreed to the interest rate. You decided not to pay it as you said you would. You morally owe the entire debt. Stop being a baby. Stop demonizing the creditor. Don't ask for the money if you can't put your big boy pants on and pay what you owe.
@@tyneuku3673 he preaches/teaches morality on almost every call I've heard him take. That's why I feel he's being inconsistent when it comes to this. You can't just conveniently decide to do the right thing some or most of the time. If you owe the debt, you should pay it.
I heard about Dave Ramsey in 2007 but really started listening to the podcast about 6years ago. Now a daily listener, As of last month my family is debt free. Home and everything
Congrats 🎉🎉🎉🎉👏👏👏👏👏
I have just watched one of his video "accidently" 3 months ago and i've managed to get debt free! I love this motivation i got from Dave and all his team! They are really saving people from great anxiety! God bless them all.
Congratulations!!! Way to go!
Congratulations, that’s so wonderful. Instill this knowledge and wisdom you have in your children
I love how Dave didn’t judge the first caller and rationally walked the caller through the things to be weighed. I love him because of who he is.
How can he be so thoughtful when people ask for his advise but won't be quite so he can do just that.
uncle Dave would be proud of me. Just paid off my house and now i owe $0. took 6 yrs to paid it off along with 2 vehicles. both bought new at 0% interest. Not to brag because that’s nothing when compared to what other folks achieved. However, it took a lot of grinding and financial discipline to get it done.
now that your house is fully paid off, would you sell it or rent it to earn monthly income?
Count it down! 3...2...1...
Congratulations on your achievement
Congratulations! That’s quite an achievement.
Well done mate
had a long talk with my co worker who shared alot of things with me and he told me about this channel so im tuned in to learn .40 years old and need to make major changes in my life for myself and kids
Sometimes Dave’s wisdom and patience really inspires me
I love how right after he got off the phone with the girl who has 350,000 in student loan debt he goes
"Well she isn't gonna do that" 🤣🤣🤣
That's exactly what I was thinking through the entire call.
@@bettedavis9261 if a caller ever giggles right after Dave tells them what to do you know they're not going to do it
🤣🤣
8:45 "You've got the chemistry to make it." Interesting choice of words considering the caller's background.
His chemistry is what cost him so much
"Materialism & Debt" is on it's way to extinction because of Dave!!🤗🙏🏼
And The Minimalist shows! I'm busy selling everything too!!
Yessss i love your faith and your walk with God, Walter. God has many great things in store for you. Thank you, so encouraging!!
So good that Walter gave God the glory
love the single Dave shows
Keep checking in with me! I have 66k in debt, I’m planning to be done in 2 years! Let’s go 💪🏾
Hows it going??
Hopefully you still pushin you over 50% done?
Dave was in prime form from the start today. Great show with an excellent rant!
Its not very often we get a new episode of "The DAVE Ramsey Show"
I can’t wait to call in and tell him I’m debt free. Give me a year….
Excellent show Dave!!! 10/10!
Less of George, more Dave!
Much better with just Dave. I wish they would go back to just having him on this show.
Ive been saying this for months!!! Who likes gorge? Not many.
Love George. He brings great balance to the show…picks up on the caller’s details.
I hear what you’re saying, but he’s been doing this for over 30 yrs. Part of being a great leader is giving others the opportunity to rise up and use their skills (as well as sharpen them) to get to where they want to be! Perfect example of servant leadership!
@@jasoncurtis6105 I totally agree and think passing on knowledge to the next generation is wonderful. I am speaking as a spectator about the entertainment value only. I think the show was more entertaining without the disciples.
Mostly. I'd say just Dave at least 3 days a week. There are some calls he needs Rachel to balance him or John to defer to.
Wow Walter! Brought tears to my eyes! Awesome!!!
I love this Show. Debt is dumb!!!!
Cash is king
And the paid off home mortgage has taken place of the BMW as the status symbol of choice
I like listening to Ramsey, but we need to hear from people who make
Walter is great, inspiring
1:41:07 . The look of Dave being done with this phone call 😂
Go Walter! I shed a happy year, that was very encouraging - what an example!
So confused about the caller towards the end of the show that was having a custom home built. The original quote was over $400k. They’ve only drawn $118k so far…and the house is 90% complete? And now the builder is saying it will cost over $600k total? Something is not adding up. Did the builder do a bunch of work with his own money, and they’re not paying him?
The math on construction loans is often fuzzy....Based on my own experiences, an accurate cost of construction works like this: take the original estimate, multiply it by 2, and you will have 50% of your house or work shop paid for....maybe
what is the best way to pay off IRS. Can you settle with them? do the interest stop once you start paying?
This was fantastic!
I have nothing against the co-hosts , but I think I like the old school solo Dave shows better!
School debt so completely stinks. The more I watch Dave, the more I think, how do colleges do this to people?
$27k approx debt for 4 years, just making $30k / year. Not like this some years ago
1:20:00 he should just cash out refinance down to 20% equity and sell his car. It’ll clean up the monthly cash flow and skip 2 years of saving up a down payment and take advantage of the cheapest house rates ever and keeps 2 years of equity growth and spares his family the trauma of moving twice in 2 years. Atleast.
Re: joseph…lets deal with what this really is. His masculinity is in question because he’s no longer the breadwinner
I’m learning here
25k a month and don’t want to give your mother money. Smh
Shut up
I hate when Dave tells people something is a no brainer / obvious it isn’t which is why their calling
They're
I wounder how many people call in woth bull and say i have a million and really have 500 dollars hahah😂
The first caller has an over 6 figure settlement that he can use to pay off HIS credit card debts. Creditors try to track down people who owe, so it really shouldn’t be too difficult to track down the creditors to PAY them. I’m sorry. I have a simple mind. This is simple research. Meanwhile, you have countless others with NO money, all kinds of debt AND “current” substance abuse problems who are dodging creditors.
2nd caller
You have a million just go pay what you owe. Bye 😏
It’s crazy again in the world with this mess is crazy in the world today is crazy with this mess is gonna be wild in the world. Yes
Second caller is hopeless. Who’s paying this guy 200k a year
My thoughts exactly. Been clean all my life. Business degree. Handle millions of dollars for my employer. I tell head hunters I want $100k to make a move and they look at me like I have 3 heads. Meanwhile some guy is sitting on a 7 figure settlement pulling down 200k on top of that and he's calling a radio show for help? F me!
8:37 😭 Hang with me❤️
Does everyone on this show make 100k a year?
I don’t have debt but I barley make any money and I’m to scared to take on debt to buy anything. I only eat every other day and eat one cup of ramen noodles on the day I do eat and I save every dime and live in my car because I’m to scared to spend the 200k I have saved through the last 10 days of robbing banks, I’m gona just give it all away and live on a frozen island
Sell the car sell the house sell the brother in law
He doesn't pay rent
Commenting on one of the first calls about the guy who's wife is tempted to go back to work, why is it when couples are in huge debt dave has no problem with the Man working 2 hundred hours a week and not ever seeing their kids but for women he will make excuses un til the cows come home? Whatever happened to gender equality 🤨
Misandrist boomer. His co-hosts have the same attitude.
Because biblically speaking, the man is the provider.
Child care costs. If your gonna spend more on child care than she brings in it's not not gonna help.
Don't be bitter
@@pxxxb3756 going to
Dave Ramsey, your personal financial advice is great, but selling anti-government movies isn't what we asked for.
Time stamp or what movie?
@@MsTerrieLynn 56:00
Dave isn't pro govt
Ads change all the time
He's anti- debt. Wake up
@@barbieblue3336 It bears the hallmarks of a classic Alex Jones flic. I think it's in poor taste, but that's just my opinion, and he can do whatever he wants.
Definition of "hero" has really been drug through the mud. Smh
My dad died i didnt turn to drug use
You're still a hero if all you saved is yourself and therefore your legacy. You're never gonna come up by tearing others down so calm down for a sec, and stop indulging in the cognitive distortions that make you so bitter.
@@lakesuperiorgirl17 he had surgery. They prescribe painkillers, and don't warn you. Then you're reliant
His father was his hero. Thus, "devastated"
Walter is a hero
Dave is wrong here. You agreed to take the money. You agreed to the interest rate. You decided not to pay it as you said you would. You morally owe the entire debt. Stop being a baby. Stop demonizing the creditor. Don't ask for the money if you can't put your big boy pants on and pay what you owe.
He's helping people with money and telling them that they morally owe someone more doesn't help them
@@tyneuku3673 he preaches/teaches morality on almost every call I've heard him take. That's why I feel he's being inconsistent when it comes to this. You can't just conveniently decide to do the right thing some or most of the time. If you owe the debt, you should pay it.
Where did Dave say not to pay it back? You're missing a lot
@Barbie Blue around the time Dave starts talking about debt buyers buying his debt at "nickels on the dollar" right around the 15:00 of the episode.
Lol dudes fucked up during the call