Top 10 Epic Dave Ramsey Rants

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  • čas pƙidĂĄn 15. 06. 2024
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Komentáƙe • 1,5K

  • @Divalive82
    @Divalive82 Pƙed 5 lety +1034

    "Millennial is an age group, not a mindset." Thank you Dave for this statement, I have been trying to explain this in 1000 words or less for 2 years!!

    • @700NitroXpress
      @700NitroXpress Pƙed 3 lety +27

      I'm a millennial and I work 300 hours a month. Six figure incomes are hard earned, not given freely. "Be the change you want to see."

    • @lot2196
      @lot2196 Pƙed 3 lety +14

      My daughter is a midwife, makes 100k a year and is 28. She worked hard and smart.

    • @alexgg7499
      @alexgg7499 Pƙed 3 lety +3

      Z generation are worst

    • @jdubo1998
      @jdubo1998 Pƙed 3 lety +3

      @@alexgg7499 How so?

    • @25Soupy
      @25Soupy Pƙed 3 lety +13

      Yes, the the baby boomers were exactly like millennials at their age. A Hipster in 2015 is a Hippie in 1965. It's a variant of the same thing in a different time.

  • @gurjantsandhu
    @gurjantsandhu Pƙed 5 lety +475

    Jay-Z spends $91K whole worlds knows what liquor he drank. That's $91k for a very successful promotion.

    • @matthewsawczyn6592
      @matthewsawczyn6592 Pƙed 3 lety +18

      @Thomas Borisov Hey, good business. Buy your own product, and tip generously

    • @AZ-jd5cr
      @AZ-jd5cr Pƙed 3 lety +6

      @@matthewsawczyn6592 Except the tip wasn't even 15%

    • @ki5aok
      @ki5aok Pƙed 3 lety +3

      @@matthewsawczyn6592 Give your own product away, and it's now marketing the product. He's having fun and promoting the product.

    • @legendarykanine238
      @legendarykanine238 Pƙed 3 lety +17

      I see a lot of people complaining about the percentage let’s be honest the wait did no more work bringing in 40 dollar bottles and 300 dollar bottles in. I know it’s tradition and good manners and I’m not implying the waiter didn’t work hard, but does the 40 dollar waiter deserve the tip any less than the 300 dollar one. Maybe they’re servers or whatever not waiters still point remains. I feel like at a ludicrous amount like 90k 10k is generous regardless of percentages

    • @TheMan-ud2wq
      @TheMan-ud2wq Pƙed 3 lety

      Exacly what I was thinking.

  • @rejectedpandabear9322
    @rejectedpandabear9322 Pƙed 3 lety +725

    Confession: Any time I get the urge to spend my money on something stupid I come and listen to Dave Ramsey, and feel guilty so I don’t buy anything anymore.

  • @eddywangchang
    @eddywangchang Pƙed 3 lety +123

    “Not 20% but not a bad tip” got me rolling

  • @salemthorup9536
    @salemthorup9536 Pƙed 5 lety +1458

    I'm watching this at a low-ish volume at night with my husband asleep hoping that these rants will go into his subconscious. He's not against this stuff, but he just needs it to get deeper in his beautiful brain.

  • @justineplemons7585
    @justineplemons7585 Pƙed 5 lety +267

    Saying NO to myself was the hardest part of this journey. Once I learned it, loved it, and embraced it, I started making real progress on my debt.

    • @justinhowell3714
      @justinhowell3714 Pƙed 4 lety +16

      that's the real baby step 1 lol

    • @joestone6103
      @joestone6103 Pƙed 3 lety +2

      AMEN ,BROTHER THATS A MOUTH FULL.

    • @thunderlifestudios
      @thunderlifestudios Pƙed 3 lety +4

      Agreed. I been paying off my debt. One more paycheck and I'm done. Will start building my emergency fund past 2K and go from their and start contributing to my investments.

  • @TWDxKILL3R
    @TWDxKILL3R Pƙed 5 lety +329

    I love the expression “the worst car accidents happen on the showroom floor” so true

    • @om617yota8
      @om617yota8 Pƙed 4 lety +10

      Sometimes the worst car accidents happen in the back seat!

    • @Kanal7Indonesia
      @Kanal7Indonesia Pƙed 4 lety +5

      @@om617yota8 you're the product of the accident

    • @om617yota8
      @om617yota8 Pƙed 4 lety +6

      @@Kanal7Indonesia I doubt that me being conceived had even that much planning behind it.

    • @theanimaster
      @theanimaster Pƙed 3 lety +1

      I love your avatar

  • @manifestanything6508
    @manifestanything6508 Pƙed 5 lety +479

    “If you wanna make more than jay z, DO more than jay z!” PREACH DAVE PREACH

    • @HornetUK1
      @HornetUK1 Pƙed 4 lety +10

      @Remedy or sell your soul?

    • @MimiMhair
      @MimiMhair Pƙed 4 lety +18

      Everybody have skeleton in their closet what's yours?

    • @staceystrukel1917
      @staceystrukel1917 Pƙed 4 lety +7

      How do you know what he's done to get to this level? Sometimes it's talent, sometimes it's much darker. All of you, including Dave, shouldn't be discussing someone you don't know on this manner.

    • @rashadwilliams267
      @rashadwilliams267 Pƙed 4 lety +6

      @Remedy do you have any clue how many have did illegal things to start their business? I bet you couldn't do what he did if u had the access to it.

    • @gordondrake2573
      @gordondrake2573 Pƙed 4 lety +9

      Wrong, Jay z sold drugs before he got a record deal. Drugs have nothing to do with his success. He’s just a brilliant business man. Regardless of what his past might have been.

  • @christmas6666
    @christmas6666 Pƙed 5 lety +770

    0:00 - #10. Jay-Z Spending $91k In One Night Shouldn’t Make You Mad
    17:45 - #9. The Power Of Choice
    27:22 - #8. Nobody Cares About Your Car
    29:47 - #7. What The Credit Card Companies Don’t Want You To Know
    38:58 - #6. How To Make A Smart Car Purchase
    43:48 - #5. How To Be Good With Money
    51:38 - #4. The Death Of Toys R Us
    59:30 - #3. Leasing vs. Buying A Car
    1:08:28 - #2. The Best Way To Invest Your Money
    1:17:49 - #1. Over $1 Million In Student Loan Debt

    • @eca2641
      @eca2641 Pƙed 5 lety +12

      Lee Christmas very gracious of you. Thank you. 🌾

    • @christmas6666
      @christmas6666 Pƙed 5 lety +12

      @@eca2641 it was kinda fun... helps me listen better! :)

    • @kingsupreme9213
      @kingsupreme9213 Pƙed 5 lety +4

      âœŠđŸŸâœŠđŸŸâœŠđŸŸ

    • @MrMduchesne23
      @MrMduchesne23 Pƙed 5 lety +1

      Thanks

    • @lovethemflowers
      @lovethemflowers Pƙed 5 lety +1

      Very helpful, Lee! Thanks!

  • @kennethwers
    @kennethwers Pƙed 3 lety +51

    My dad said to me when a got out of school. A car is to get you from here to there. It is not a investment. A hoopty car is a lot more carefree. You can park next to the shopping cart rack. You can go for months without washing it. Insurance is lower in cost. I am a millionaire but still drive a hoopty because they are a lot less work.

  • @LatinaCreamQueen
    @LatinaCreamQueen Pƙed 5 lety +96

    "Millennials are an age group, not a mindset." WELL SAID! I love that you went out of your way to even say this.

  • @-attemptingtherandom-2777
    @-attemptingtherandom-2777 Pƙed 5 lety +348

    He's such a blessing to me. Stay strong out there everybody. We got this!

  • @amm2900
    @amm2900 Pƙed 2 lety +29

    "Bitterness, envy, jealousy predisposes you to continue to be a failure in life... so if you want to throw stones through other people's window because you don't have what they have, I will tell you that predisposes you to NOT win." Well said and good advice to heed.

  • @muradmubin5638
    @muradmubin5638 Pƙed 3 lety +140

    I am a Muslim from the UK and I love listening to Dave’s content. Although I have no idea what a Roth IRA is, cannot comprehend how you can be in hundreds of thousands of dollars worth of student loan debt and have medical bills in the tens of thousands of dollars, the skills and values this man teaches through his genuine faith are universal to all

    • @thunderlifestudios
      @thunderlifestudios Pƙed 3 lety +13

      Our health care is pretty pricey. Insurance sometimes doesn't cover it or they didn't have it.

    • @goodone8041
      @goodone8041 Pƙed 3 lety +6

      What about the medical bills you don't understand ? And being muslim is also irrelevant. Everyone needs financial literacy. Just like nutritional literacy

    • @BernardM28
      @BernardM28 Pƙed 3 lety +1

      @@goodone8041 here in the UK healthcare is free

    • @jochem1986
      @jochem1986 Pƙed 3 lety +18

      @@BernardM28 it’s not free, the cost is distributed over other taxes you pay.

    • @jamesd5241
      @jamesd5241 Pƙed 2 lety +9

      @@jochem1986 dude taxes in the UK are still lower than USA. So you pay higher tax and dont get healthcare. Thats how inefficent USA is.

  • @paulserna4072
    @paulserna4072 Pƙed 4 lety +27

    Small correction:
    A person like Jay-Z who makes $42,000,000 a year and spending $100,000 on a bar tab in one night would be likened to someone making $420,000 a year and spending $1,000 in a night, not $100. Yet still, that happens all the time. It’s also likened to someone making $42,000 a year and spending $100 on a night out, which also happens ALL THE TIME. Love Dave Ramsey, just a small correction.

    • @1080lights
      @1080lights Pƙed rokem

      That's not a small mistake, especially when you're talking about money.

    • @tatimarie8277
      @tatimarie8277 Pƙed 7 měsĂ­ci +2

      @@1080lights not a small mistake but same concept. Even at $100 for someone making $42,000 that’s not going to break the bank if it’s only for special occasions and you’re not drowning in debt.

    • @DenaliOsnaya
      @DenaliOsnaya Pƙed 4 měsĂ­ci

      Also, majority of the tabs were paying his own brand of liquor. So
 he’s actually saving money while looking super good!

    • @brandontomecek-ek5vf
      @brandontomecek-ek5vf Pƙed 3 měsĂ­ci

      Thanks for that @Paulserna. I kept thinking I was crazy cause I didn’t get the same number. Completely agree that spending at the same ratio at lower incomes is not uncommon.

    • @bryanmarin955
      @bryanmarin955 Pƙed 15 dny +1

      It’s even smaller if you think about it as a percentage of discretionary income rather than an absolute amount

  • @charlesyoung9980
    @charlesyoung9980 Pƙed 5 lety +241

    How many people have driven a car so bad that if you'd put 4 new tires on it you'd double it's value??? I lost it.

    • @fhuber7507
      @fhuber7507 Pƙed 3 lety +27

      I had one that was so old that filling the gas tank doubled its value.

    • @julietibbetts9262
      @julietibbetts9262 Pƙed 3 lety +3

      Oh I've been there đŸ€ŁđŸ€Ł

    • @ShotGunner5609
      @ShotGunner5609 Pƙed 3 lety +2

      I felt this, and i have that car still and i keep her running cus shes a good car. But im happy i got something much newer with nearly 3 times the fuel efficiency.

    • @burntblonde2925
      @burntblonde2925 Pƙed 3 lety +1

      Yes! Totally was in that situation

    • @randyhusband8542
      @randyhusband8542 Pƙed 3 lety +10

      CHARLES YOUNG: I had a 1984 Chevy cavalier station wagon (beige, of course). We named it "Puff, The Tragic Wagon".

  • @ibettrivero8925
    @ibettrivero8925 Pƙed 6 lety +67

    I love when he says "STUPID" is like a wake up alarmđŸ€ŁđŸ€ŁđŸ€ŁđŸ€ŁđŸ€ŁđŸ€Ł

  • @kaiwryn
    @kaiwryn Pƙed 4 lety +65

    Watching from 2020 and Dave... one of the first things that really clicked for me with you was watching you shut down other people trashing millennials. As one of those debt free, full time + side hustle, beans and rice millennials saving for my dream... a house of my own, it's such a breath of air to hear you constantly, constantly remind others that many people in my generation are hard working go-getters!!

  • @MusiqTruth
    @MusiqTruth Pƙed 5 lety +140

    "Be careful of jealousy and envy." "I'm not mad at Oprah, Warren Buffet, Bill Gates...They all have more than I've got and quite frankly I'm glad they made it. They all came from nothing by the way." REAL talk.

    • @squarecracker
      @squarecracker Pƙed 5 lety +5

      Warren Buffet's father was a congressman

    • @Kanal7Indonesia
      @Kanal7Indonesia Pƙed 4 lety +4

      @@squarecracker no they were poor

    • @johnjackson9767
      @johnjackson9767 Pƙed 4 lety +4

      @@squarecracker Always has to be an excuse for your failure, right?

    • @JFDSmit-rm6tw
      @JFDSmit-rm6tw Pƙed 4 lety +4

      @@squarecracker Says nothing. He chose to start investing in his teens already. Maybe before it, I'm not sure now. But he got where he is now by investing, not outspending.

    • @squarecracker
      @squarecracker Pƙed 4 lety +5

      @@JFDSmit-rm6tw it objectively debunks the idea that he 'came from nothing'.

  • @ryanduke3498
    @ryanduke3498 Pƙed 6 lety +570

    This would actually be someone who makes $42,000/year spending $100 in one night. No big deal. And he got some marketing out of it. You're awesome, Dave!

    • @ezra3735
      @ezra3735 Pƙed 6 lety +75

      Ryan Duke yeah Dave missed a zero on the math, but that's still only .2% of his yr income.

    • @ImOldandSoAreMyBooks
      @ImOldandSoAreMyBooks Pƙed 5 lety +12

      Excellent analogy. It's all relative based on your income and worth.

    • @Am-Not-Jarvis
      @Am-Not-Jarvis Pƙed 5 lety +20

      I assume with the free press he got for his line of drinks, he made that money back right away

    • @DJSolistica
      @DJSolistica Pƙed 5 lety +8

      @@Am-Not-Jarvis Absolutely, and what's wholesale price? Say %50 of the cost, so roughly %50 of that bill is already going back to him by the replacement of his own product. So he really only spent about 50-60k, or 0.12% of his income.

    • @jae9843
      @jae9843 Pƙed 5 lety +29

      Funny thing is that looking at expenditure/income ratio doesn't even tell the whole story about how potentially insignificant $100k is to someone who makes $42M. In practical terms, it's almost immeasurably insignificant compared to a person making $42k spending $100 because there's such a universe-sized disparity in raw disposable income between to the two. To someone bringing home $42k/yr, losing $10k to a bad investment might be pretty crippling and set them back years on their goals.A loss like that could mean no family vacation or no new car that was on the horizon. On the other hand, while a $10M personal loss would still be devastating even to someone bringing home $42M/yr, they still have 32M reasons why their lifestyle or medium-term financial outlook probably won't take any practical hit. Plus, they have the resources to make that money back if they so choose. Someone making $42k/yr and who just lost $10k probably doesn't begin to have that kind of buffer, relatively speaking.

  • @Dre2Dee2
    @Dre2Dee2 Pƙed 3 lety +60

    Hogan: Top 10 Inspiring Quotes
    Ramsey: TOP TEN TONGUE LASHINGS

  • @Apollyon-sz9sn
    @Apollyon-sz9sn Pƙed 4 lety +18

    Dave dropping absolute Gold. This knowledge cost Dave millions of dollars to figure out because we all do stupid in earlier life, and we get it for nothing! Absolute legend.

  • @finnmccool684
    @finnmccool684 Pƙed 5 lety +45

    "Don't spend more than you have." Tru dat, tru dat, tru dat.

  • @samanthapeters2972
    @samanthapeters2972 Pƙed 5 lety +560

    When Jay-Z spent his money that night, he helped people stay employed. Vineyard staff, delivery drivers, bar staff, manager, cleaners, etc.

    • @dmesmith
      @dmesmith Pƙed 4 lety +10

      Samantha Peters And the dealers

    • @aiyamariabanat
      @aiyamariabanat Pƙed 4 lety +5

      Totally agree

    • @sephorareynolds5786
      @sephorareynolds5786 Pƙed 4 lety +34

      Yepp plus he is super rich and can do as he pleases with his money

    • @sharonfleshman6961
      @sharonfleshman6961 Pƙed 4 lety +17

      And how much free advertising for his brand of alcohol ahead of New Year's Eve...

    • @brettzke
      @brettzke Pƙed 4 lety +13

      ya, rich people are always helping poor people make a living....give me a break.
      Trickle down doesnt work. His money could have literally been handed to these people and he would have made their lives better, instead he put a significant portion of it into the pocket of the owners, making them more rich.

  • @SilenceSlayer223
    @SilenceSlayer223 Pƙed 4 lety +24

    I always love when Dave gets a little high on himself. He's so humble all the time, when he says "I'm gonna make it" or "I don't have any retreads now" it's like him slapping the face of everyone that told him he wasn't going to amount to anything and it's empowering.

  • @makaylahollywood3677
    @makaylahollywood3677 Pƙed 2 lety +28

    Excellent show, traditional values, common sense, biblical scripture, authentic, practical, wise. Thank you Dave!

  • @josephavendano66
    @josephavendano66 Pƙed 2 lety +25

    I only wish I could thank this man for sharing his knowledge, discipline and encouragement. And Hope.

  • @shannonnichols3415
    @shannonnichols3415 Pƙed 5 lety +85

    Beans & rice with homemade cornbread actually was our “go to” meal at least once a week! Mix it with a cheap canned ham (on a good week) or a hambone (on a lean week), onion, & pepper sauce and it’s mainly healthy & pretty filling for super cheap! I realize you don’t mean that literally, but it was literal for us! We actually had this meal in several options! Very yummy!

    • @andreasasatya9188
      @andreasasatya9188 Pƙed 4 lety +6

      Wait, he didn't mean it literally? Boy have I been wrong all of this time listening to Dave lol

    • @Mimi-cq4bg
      @Mimi-cq4bg Pƙed 3 lety +1

      Wait, you make it with ham? I thought I was supposed to do it with chicken... I'm a Canadian, dont judge me lll

    • @brittanymillerry2327
      @brittanymillerry2327 Pƙed 3 lety +1

      @@Mimi-cq4bg can use ham or chicken. Some even fry pork chops

    • @HeartlandFamilyDesigns
      @HeartlandFamilyDesigns Pƙed 2 lety

      It is meant literally. He means to eat really really cheaply so you can get out of debt. Beans and rice are super cheap.

    • @samuelburton9761
      @samuelburton9761 Pƙed 2 lety

      Who eats canned ham. Lol 😂

  • @amostake
    @amostake Pƙed 4 lety +33

    "I just didn't eat as much!" Wow, that dad gum insightful! I had a roommate that would lay on the couch, shoving food in their mouth, and watch "biggest loser" and cry "I wish I could be like them" True story.

  • @gregobrien7972
    @gregobrien7972 Pƙed 5 lety +199

    I respect how open minded you are đŸ‘đŸŒ ... being religious & not trashing rap

    • @joecoolioness6399
      @joecoolioness6399 Pƙed 4 lety +8

      Being religious is definitely not being open minded. You literally believe in something for which there is no good reason. Old collections of books, what some pederast said from the pulpit, what your mommy taught you, or "how else could it have happened?" are not good reasons.

    • @freeblom
      @freeblom Pƙed 4 lety +47

      Joe Coolioness you don’t understand Christianity at all lol

    • @melindamercier6811
      @melindamercier6811 Pƙed 4 lety +33

      Joe Coolioness the irony of your comment. đŸ€Ł

    • @jessesdomain444
      @jessesdomain444 Pƙed 4 lety +25

      @@joecoolioness6399 talking about things you have no idea about makes you look bad

    • @adventuresofwillandshelby6013
      @adventuresofwillandshelby6013 Pƙed 4 lety +10

      Joe Coolioness There’s no good reason not to believe, by your logic. Take care of yourself!

  • @danielpalmer5138
    @danielpalmer5138 Pƙed 8 měsĂ­ci +5

    Yooo dave ramsey is living rent free in my head. I feel like hes watching me anytime i go to buy something stupid....

  • @VincentEllisD
    @VincentEllisD Pƙed 5 lety +132

    While i wish i made 42 million a year rather than the $20,000 i make now i would never say anything bad about someone making that much money. 99 times out of 100 they have worked their butts off to get there. Good for them!

    • @alexriddles492
      @alexriddles492 Pƙed 5 lety +3

      Ratios aside for a moment...
      Buying $91,000 worth of alcohol is promoting drunkenness.

    • @joecoolioness6399
      @joecoolioness6399 Pƙed 4 lety +7

      It really doesn't matter how they got their money, it is THEIR money. It is sad that the government can take it some of it away and give it to someone else that does not do anything to earn it.

  • @anthonyhendrix5622
    @anthonyhendrix5622 Pƙed 3 lety +14

    Love the no-nonsense attitude from Dave

  • @scottstewart8737
    @scottstewart8737 Pƙed 5 lety +85

    Dave's math was off on Jay Z. It would be 1000 and 100 redpectively, but his point is spot on.

    • @Joanna-ed8ic
      @Joanna-ed8ic Pƙed 5 lety +4

      I was thinking the same thing haha

    • @kalynsanders1278
      @kalynsanders1278 Pƙed 5 lety +1

      Same!!! Lol

    • @miguelgraveran3071
      @miguelgraveran3071 Pƙed 5 lety +14

      No it’s not 42,000,000 / 420,000 = 100. 100x100= 10,000.
      420,000 / 42,000 = 10.
      10x10 = 100.
      You did your math based on 4.2M not 42Million - I did the same thing until I pulled out my calculator.

    • @brianmcg321
      @brianmcg321 Pƙed 4 lety +3

      Nope. You have to take away two zeros.

    • @sparks6177
      @sparks6177 Pƙed 3 lety

      Check your math again

  • @pkc3168
    @pkc3168 Pƙed 2 lety +10

    I'm British and just discovered Dave Ramsey. I personally like logical straight-talkers!

  • @nicoleharris699
    @nicoleharris699 Pƙed 3 lety +7

    The people who become successful are almost always those who celebrate the success of others. MAN THIS IS EXACTLY WHAT I NEEDED TO HEAR!!! thank you Dave !

  • @alfiemarie
    @alfiemarie Pƙed 4 lety +11

    eagles, boston, journey are ICONIC bands! i still listen to their songs and im in my 20s

    • @donnafontaine2799
      @donnafontaine2799 Pƙed 2 lety

      Don't Stop Believing yea Journey and Dream on by Aerosmith! Classic and uplifting songs

  • @NegatveSpace
    @NegatveSpace Pƙed 5 lety +242

    It's not really financially related but why does someone think it's ok if they're an employee of an establishment and think it's ok to post a receipt of a customer online or to share it at all. If I were that person's boss that person would be on the street as soon as I heard about it

    • @hlboerr
      @hlboerr Pƙed 5 lety +22

      free jay z advertisement

    • @lindavel43
      @lindavel43 Pƙed 5 lety +47

      @@hlboerr Exactly! Jay Z is a smart business man. He knows the media would break down on what he spent that money on. Surprise his own brand, so his brand will be all over those paparazzi magazines and tv. No wonder Jay Z is rich. He knows how to get free advertising.

    • @danielconiff8178
      @danielconiff8178 Pƙed 5 lety +4

      It was Jay Z, everyone knows he's rich.

    • @Divalive82
      @Divalive82 Pƙed 5 lety +5

      Valid point.

    • @eliascastillo1641
      @eliascastillo1641 Pƙed 5 lety +4

      NegatveSpace exactly I agree 100%. Imagine what would happen if you don’t tip them like they think they deserve.

  • @john.antoine4943
    @john.antoine4943 Pƙed 5 lety +20

    "I mean c'mon Becky , REALLY ?!" - I died

  • @shinkaturbo9081
    @shinkaturbo9081 Pƙed 4 lety +20

    BECKY: Do you literally mean beans and rice or is that an exaggeration to make a point?
    DAVE: BECKY YOU'VE GOT TO BE KIDDING ME
    đŸ€ŁđŸ€ŁđŸ€ŁđŸ€ŁđŸ€ŁđŸ€ŁđŸ€ŁđŸ€Ł

  • @loisavci3382
    @loisavci3382 Pƙed 5 lety +183

    Jay Z didn't even spend $100,000. Part of it was his own brands of drinks: that's just shuffling money from one pocket to another.

    • @DanielSwartfiguer
      @DanielSwartfiguer Pƙed 4 lety +7

      The sucky part is, in doing so, his spending that way allowed the govt to collect tackses on it. (Intentionally misspelled)

    • @torchandhammer
      @torchandhammer Pƙed 4 lety +22

      @@DanielSwartfiguer Actually, I'll bet you 20 bucks that he deducted it from his taxes as an advertising expense since he was promoting his brands. You paid for that party.

    • @JFDSmit-rm6tw
      @JFDSmit-rm6tw Pƙed 4 lety +2

      That is business ethics. If it's not his own restaurant, he is another customer who pays for what he orders.

    • @torchandhammer
      @torchandhammer Pƙed 4 lety +1

      @@Michael.Reilly That's not how taxes work either. The total amount of all the taxes in the country never gets reduced. If Jay Z isn't paying, somebody else is making up for it. You.

    • @dianem6951
      @dianem6951 Pƙed 4 lety +2

      torchandhammer
      No they aren’t.

  • @JessNova
    @JessNova Pƙed 3 lety +10

    "How many of y'all have driven a car that was so bad you had to give it a name?"
    Orange Crusty, Green Bean, and Grumps lol this hits too close to home for me...

    • @sonnyhootman9811
      @sonnyhootman9811 Pƙed 3 lety +3

      I have a 21 year old van with a broken frame. We call it Woobles.

    • @silviamonz2062
      @silviamonz2062 Pƙed 3 lety +2

      I had a car all covered in stickers to hide all the rust,when I got a new (used)car my boyfriend said we had to start out stickers again....what for I said ,there is no rust yet😉

  • @relevantEpsilon
    @relevantEpsilon Pƙed 5 lety +224

    My car's called Frankenstein. I've got parts from so many other cars on it I've lost count.

    • @relevantEpsilon
      @relevantEpsilon Pƙed 5 lety +13

      And I just had the brakes overhauled on it. The bill was definitely more than the car is worth.

    • @alnonymous2482
      @alnonymous2482 Pƙed 5 lety +15

      @@relevantEpsilon But you can yell, "IT'S ALIVE!!!"

    • @emtstl5087
      @emtstl5087 Pƙed 5 lety +6

      relevantEpsilon mine is Betty Lou 1999 Honda accord

    • @pimaggot
      @pimaggot Pƙed 5 lety +9

      Mine is called Morpheus. It is a black Toyota matrix. Almost has 200,000 miles on it.

    • @orion3706
      @orion3706 Pƙed 5 lety +5

      Mine's named Hank from King of the Hill. Before that, I had Ol' Top because that's what Buck Strickland called Hank. Hank's staying with me until retirement.

  • @coolcalmandmom4896
    @coolcalmandmom4896 Pƙed 4 lety +6

    Dave: “don’t come for me when I didn’t come for you!” đŸ‘đŸŒđŸ‘đŸŒđŸ‘đŸŒ

  • @jdtreharne
    @jdtreharne Pƙed 4 lety +7

    Whenever I think about buying something that I don't need and can't afford, a good old fashioned Dave Ramsey rant is all I need to set me straight again!

  • @ElaineLoyd
    @ElaineLoyd Pƙed 5 lety +38

    Hand me a nickle while taking 100 out my back pocket--Dave Ramsey. Intelligent.

  • @LionessOnTheRise44
    @LionessOnTheRise44 Pƙed 4 lety +4

    Dave said, "Dont come for me...I will clap back" 😂😂 yes!!

  • @margom.5632
    @margom.5632 Pƙed 4 lety +11

    Hahahaha! I love the fake voice he uses when he wants to play a different person!! Lol 😂

  • @flamingowilliams9664
    @flamingowilliams9664 Pƙed 5 lety +12

    My favourite "adapting to change" story following number 4. A group of boys found a popular PokĂšstop that was in the middle of a park and set up shop there with snacks, drinks and phone chargers. Called it the PokĂšshop. 10/10 adaptation.

  • @mickeickmann9215
    @mickeickmann9215 Pƙed 3 lety +18

    I listen to Dave because what he's saying is absolutely true, I think how he comes across is great, because sometimes people need to hear the things he says. I'm one of those people. Doing my best to change.

  • @MultiNutterbutter
    @MultiNutterbutter Pƙed 3 lety +19

    I think thats actually awesome that he gave his friend a birthday party that he thought warranted ~$100k of his own money to celebrate it. That's a friend right there

    • @-Me_
      @-Me_ Pƙed rokem

      Then I must have no friends đŸ€ŁđŸ€Ł

  • @harrisonwims1916
    @harrisonwims1916 Pƙed 5 lety +15

    “In other words, he’s ok.” 😂👌

  • @speed_Gabriel
    @speed_Gabriel Pƙed 3 lety +8

    Thanks Dave, take me 18 month but 32k off of debt. 5k Emergency fund and starting 25% Dw Pymt for a house.

  • @billgateskilledmyuncle23
    @billgateskilledmyuncle23 Pƙed 4 lety +29

    Jay-Z paid off a lot of other people's bills in one night. And a 11k tip is charitable giving.

  • @OneTimeCrazy
    @OneTimeCrazy Pƙed 5 lety +207

    for the first one it'd be 1000, 420,000 * 100 = 42,000,000. 100,000/100 = 1,000.

    • @rivvie2008
      @rivvie2008 Pƙed 5 lety +43

      Weird so few people caught this? Not even Dave ?!?

    • @ShaveItDown
      @ShaveItDown Pƙed 4 lety +18

      Negative it would be $100
      42,000,000/100,000 = $420
      42,000/420 = $100

    • @tommygall4191
      @tommygall4191 Pƙed 4 lety +36

      @@ShaveItDown except he said someone making $420,000 spending $100, and $42,000 spending $10

    • @samanthabailey8864
      @samanthabailey8864 Pƙed 4 lety +11

      Thank you!!!! I’m not crazy lol

    • @teja7479
      @teja7479 Pƙed 4 lety +20

      I was searching for this in the comments as soon as i heard him say that

  • @WhatsUpWithSheila
    @WhatsUpWithSheila Pƙed 5 lety +20

    Love the the analogy
    You put the whole thing into perspective for me thank you. And you're right ..not mad.. he ABSOLUTELY could afford to do it..
    Even by your standards..lol

    • @joecoolioness6399
      @joecoolioness6399 Pƙed 4 lety +2

      You know some people would rather give their money to the people who earn it than to the government who give it to people who don't earn it.

  • @yellowannie22
    @yellowannie22 Pƙed 6 lety +21

    I'M SO GRATEFUL THAT YOU CALLED ME OUT. MADE ME HAD TO LOOK IN THE MIRROR. WHAT A GIFT. THANK YOU SO VERY MUCH DAVE AND CREW !!!!!!!!!!!

  • @trayceelynn3100
    @trayceelynn3100 Pƙed 5 lety +9

    I love his tough love approach!!

    • @kzamora2548
      @kzamora2548 Pƙed 4 lety +1

      "It's not tough love ... it's just love!" - Dave Ramsey

  • @michelejames8599
    @michelejames8599 Pƙed 4 lety +11

    Love the ratio analogy. That helps a lot to put into perspective.

  • @MrKetio
    @MrKetio Pƙed 4 lety +5

    You’re a great person,Dave. Wish you health and wealth from my heart !

  • @paulgonzalezhernandez301
    @paulgonzalezhernandez301 Pƙed 5 lety +5

    Thank you Dave Ramsey for all the great education really appreciate it God bless you and your family

  • @Leggett1994
    @Leggett1994 Pƙed 3 lety +1

    Great video David. Thank you for the wisdom.

  • @ocky88
    @ocky88 Pƙed 5 lety +164

    The guy who tweeted about Jay Z was clearly just salty and YES, entitled. Jay Z's money doesn't mean he is entitled to earn more. Also, Dave didn't mention this, but 42 million/year is JUST Jay's money. His wife earns about the same.

    • @TheUpliftingInvestor
      @TheUpliftingInvestor Pƙed 5 lety +7

      His wife doesn't come close to hit net worth,, Shes worth like 400 million will hes worth almost 1 billion himself..

    • @lovefunkrockmusic
      @lovefunkrockmusic Pƙed 4 lety +2

      And his master or his boss is worth in the trillions. Jay Z is just a corporate asset and can loose everything just like Michael Jackson did in a matter of seconds. He also in debt and I would imagine his house is worth more than his salary

    • @cclibre3832
      @cclibre3832 Pƙed 4 lety +2

      lovefunkrockmusic That is still a great position to be in!

    • @lovefunkrockmusic
      @lovefunkrockmusic Pƙed 4 lety +2

      CC Libre Not it is not. Your selling your morals and dignity to get into the Music industry. The producer can take everything away from him and he can have a mental breakdown and commit suicide.

    • @DanielDEyre
      @DanielDEyre Pƙed 4 lety +9

      @@lovefunkrockmusic what the heck are you talking about? You don't know he owns his businesses and products? He's not an employee working for a white man.

  • @AdamB5000
    @AdamB5000 Pƙed 5 lety +14

    Dave is spot on (on a similar topic, the sky is blue ;) ). We started using cash and a debit card only. If/When we go out to eat, I am VERY aware of pricing. But more importantly, when grocery shopping, I grab exactly what is on my list and try to snag the generic brand options. Far less waste and cost.
    But the point is as I'm looking for my items, I'm very aware about how much each item costs, as well as the approximate running total. When we scan the items at the self checkout line, my wife was semi-impressed as I rattled off the price of nearly every item just before we scanned it. 3 of 4 items were to the penny.

  • @MrKurtiso
    @MrKurtiso Pƙed 3 lety +5

    Rap wasn’t invented when I was cool 😂😂
    Your always cool Dave!

  • @julieannestamps8444
    @julieannestamps8444 Pƙed 5 lety +7

    Not to mention since he was purchasing his OWN BRAND... he was making money off of his purchases. If he makes only 10% off his product, that’s still over $9,000....

  • @johnrodgers6768
    @johnrodgers6768 Pƙed 11 měsĂ­ci +1

    Some people think someone else's money came out of your pocket. It didn't. When someone says they want to make a lot of money, I always say, you don't have to go make money, they make plenty of money, you just need to be smart and disciplined and hang onto the money that you come across. Working hard, being smart, changing jobs when you need to, etc. are big factors, but it's more important to be smart with what you have. I get excited by other people's successes, because it reminds me that I can have that success, as well!

  • @laisaelee5851
    @laisaelee5851 Pƙed 6 lety +36

    Woah your life changing. Powerful words. You are amazing!!

  • @Ziplok_
    @Ziplok_ Pƙed 5 lety +6

    celebrate others success I love that! Dave keep being GENIUS so many great things you say per minute its amazing keep it up

  • @Zzzz.842
    @Zzzz.842 Pƙed 4 lety

    Thanks for your wisdom, Dave!

  • @lindsayevans9543
    @lindsayevans9543 Pƙed 2 lety +8

    I appreciate your thoughts Dave. Let's not shame the wealthy for living like we wish we could 😆

  • @1creativeview748
    @1creativeview748 Pƙed 3 lety +4

    Standing applause for rant number #10. It should inspire us, not invoke hate đŸ‘đŸŸđŸ‘đŸŸđŸ‘đŸŸ

  • @arienfox
    @arienfox Pƙed 6 lety +114

    Yes get the POPCORN!!!!

  • @rikquishewright2167
    @rikquishewright2167 Pƙed 4 lety +3

    Watching this on a relaxed Saturday morning at 1.25 playback speed. Pure gold start to finish. :)

  • @spiritual2020
    @spiritual2020 Pƙed 5 lety +6

    I’m hooked on your show. Your listeners can learn sooo much by listening to you. I love Jesus and God too. “Change, just change.” People love to come up with all sorts of excuses for whatever the want for them to stay in their comfort zone(s).

  • @Hiker2110
    @Hiker2110 Pƙed 4 lety +8

    I like this guy. He gives the tough-love, brutal honesty that we all need to hear at some point.

  • @InvestingHustler
    @InvestingHustler Pƙed 6 lety +94

    Dave ramsey is a super hero 🙌

    • @hlboerr
      @hlboerr Pƙed 5 lety +3

      who gets the math wrong

    • @emtstl5087
      @emtstl5087 Pƙed 5 lety

      Investing Hustler indeed

    • @jenluvzya
      @jenluvzya Pƙed 5 lety +5

      Heber Boerr forgive him but he’s giving away free wealth tips to help ordinary people that many wealthy people do not care to share

    • @ambition1911
      @ambition1911 Pƙed 4 lety

      Schrute Farms đŸ™ŒđŸœ

  • @lapointe64
    @lapointe64 Pƙed 3 lety +1

    Nice piece on gratitude and envy! Top notch, Dave!

  • @brandiwine84
    @brandiwine84 Pƙed 4 lety +7

    About rap: "I'm not mad at it"
    Dave's awesome

  • @solaydbak
    @solaydbak Pƙed 4 lety +23

    You know the server that posted Jay Z's receipt got fired.

    • @justinacase2623
      @justinacase2623 Pƙed 3 lety

      I heard the orthopedic doctor in that restaurant got fired too, oh wait, he got another job. Wonder why?

  • @bryan_witha_whyy
    @bryan_witha_whyy Pƙed 5 lety +47

    Everyone scoffs at this dude, but I would be willing to bet that 99% of people really don't know what they are doing with money. Most people DO NOT pay their credit cards in full every month. If they did, credit card companies wouldn't exist.

    • @jordanneedscoffee
      @jordanneedscoffee Pƙed 5 lety +12

      Not true, CC companies get like 3% of every transaction used with them. The business selling the product absorbs that cost though, so CC card consumers don't even see it

    • @kzamora2548
      @kzamora2548 Pƙed 4 lety +2

      @@jordanneedscoffee Dave did explain that CC companies still get a cut when you use your debit as credit. It's small but they still get theirs.

    • @jordanneedscoffee
      @jordanneedscoffee Pƙed 4 lety +1

      @@kzamora2548 They don't get a cut from you, they get a cut from the business, so who cares?

    • @queenb9572
      @queenb9572 Pƙed 4 lety +8

      @@jordanneedscoffee You should care (we all should) as businesses depending on the state laws, may be able to pass on up to 2.9% of these transactions fees on to the customer. So, yes, ultimately the consumer does "Pay more" for purchases through credit cards.....

    • @jordanneedscoffee
      @jordanneedscoffee Pƙed 4 lety

      @@queenb9572 Yeah sure and if Target did that all Wal Mart has to do is not do that and people will say "Oh look Wal Mart is selling everything cheaper than Target is go there instead". So no, businesses can't just "pass it on to the consumer", not if they wanna keep customers.

  • @vickydelacruz71
    @vickydelacruz71 Pƙed 5 lety +7

    God bless you more Dave...I learn a lot from you

  • @diyoverhauler5432
    @diyoverhauler5432 Pƙed 3 lety +8

    This channel ought to be a mandatory college course

    • @StefanyJohnson
      @StefanyJohnson Pƙed 3 lety

      The community college my daughter attends uses this as the personal finance course. My 17 year old daughter will not do the stupid money things that I did. I'm so thankful.

  • @davidmuth4571
    @davidmuth4571 Pƙed 4 lety +8

    A requirement for graduating high school should be a semester of watching DR videos.

  • @bethobrien6423
    @bethobrien6423 Pƙed 4 měsĂ­ci +1

    DAVE I love you so much. This is so logical and when u kept saying change I felt it. I am balling bcuz I need this tough love. I'm amazed by ur tough love but yet gentle. THANK U

  • @Chartlaub5
    @Chartlaub5 Pƙed 4 měsĂ­ci +2

    This has been a great show to call my mind rather than some of the other podcasts I listened to.

  • @Jayknowstools
    @Jayknowstools Pƙed 3 lety +5

    When Dave Ramsey said,
    "*chAinJ*"
    I felt that. 😣

  • @johnschwindt3049
    @johnschwindt3049 Pƙed 3 lety +11

    By the way, it was a party for someone at his company, he was buying and giving out some of his own champagne.... He probably got to write some of that off as a business/marketing expense.

    • @cleliaparnell8743
      @cleliaparnell8743 Pƙed 8 měsĂ­ci

      What a difference that amount would make to a community center that feeds the poor, a homeless shelter.....

  • @theanimaster
    @theanimaster Pƙed 3 lety

    I needed this. Thank you for setting me straight!

  • @gowthamnarayan2767
    @gowthamnarayan2767 Pƙed 6 měsĂ­ci +2

    Hi Dave. Massive respect for what you do and why you do it! Small miscalculation with the JayZ numbers but get the spirits of it!

  • @CourtneyyMorriss
    @CourtneyyMorriss Pƙed 4 lety +4

    Real talk at its finest

  • @samuraidm1
    @samuraidm1 Pƙed 5 lety +20

    Love the Kermit the Frog voice..."oh no Dave...I'm 26 years old, I got this figured out, I make $42,000 a year..."

  • @jayj4439
    @jayj4439 Pƙed rokem +1

    Thank god for this dude. I’ve learned how to manage money from him more than anyone in my lifetime!

  • @DavidMartinez-nh4nh
    @DavidMartinez-nh4nh Pƙed 2 lety +1

    This just opened my mind to so much reality out there.

  • @nickaro
    @nickaro Pƙed 3 lety +4

    Just paid off my car loan early! Feeling very happy!

  • @TheConservativesrock
    @TheConservativesrock Pƙed 5 lety +17

    $100 for $42,000
    $1,000 for $420,000

    • @landgsmith
      @landgsmith Pƙed 5 lety +1

      TheConservativesrock I see I’m not the only one who noticed Dave’s errant math 😆

    • @JoshDoingLinux
      @JoshDoingLinux Pƙed 5 lety +2

      TheConservativesrock I don’t think he was trying to be specific just trying to make a point that with his income it’s not irresponsible of someone to spend 100k on a night on the town if he made 42m in 2017.

    • @atotalidiot
      @atotalidiot Pƙed 4 lety

      That's like not too bad though

    • @blackpinkslave9969
      @blackpinkslave9969 Pƙed 4 lety

      Yea instantly knew the math was off, but honestly 1K is not allot for such an event.

  • @Karlsz
    @Karlsz Pƙed rokem

    Love this one. I need to hear these several times per year.

  • @jamiejarosz3975
    @jamiejarosz3975 Pƙed 5 lety +1

    I LOVE Dave and the truth he talks about. We all have choices. It may not always be easy and things won't change overnight, but life is what YOU make of it and the time and effort YOU put into it :)

  • @aaron756
    @aaron756 Pƙed 4 lety +10

    I’ve been lucky that my “getting out of debt car” is a truck I actually like đŸ‘đŸŒ

  • @julied915
    @julied915 Pƙed 5 lety +36

    Everyone creates their own success or failure

    • @joecoolioness6399
      @joecoolioness6399 Pƙed 4 lety +4

      You nailed it. Ask anyone in bad financial shape and you will see a string of poor decisions and bad planning.

    • @kathrynmercier4874
      @kathrynmercier4874 Pƙed 3 lety +1

      Joe Coolioness Except medical debt. Even if you have insurance, you can still get dinged with enormous amount of medical debt through no fault of your own.