Dave Ramsey Rant - You NEED A Written Budget
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I just created my budget!! Starting baby step One! Thank you, Dave Ramsey! God bless you!
The Dave Ramsey Show this is a wake up call to reality Mr. Ramsey thank you for all your advises. I need your help enlighten me how to get out of this please.
You buy his book
Most successful people started from nothing. They didnât wait for the opportunity to knock but created the opportunity on their own by working hard. Thankgoodness i found Mr carlos kingston a pro forex trader, now I have been trading with him for about 7 mounths now and I earn up to $15,000 weekly. i guess this is the epic start to a new chapter in my life. I just feel like more evevryone should be made aware of this opportunity, feel free to contact him @carlos_1uptrades on Instergram his indeed a genius.
Love you
Does anyone else come back to Dave's rants just for a pep talk every now and then?
Steph Burnett i watch at least a couple every day. Keeps me focussed.
yep, exactly what i'm doing now : )
I watched it at least once a month. That's how I stayed focus on my budget, I now have 17,500.00 for our emergency fund and only left is my house. Thank you Jesus!!!
Yep and I don't even have a dime of debt =D
Steph Burnett all the time! That is how I stay motivated to continue the fight against debt!
When I Started my snowball I wrote it down in front of my desk: "I WORK SO HARD TO BE THIS BROKE". 16 months later I am debt free. This guy changes lives.
Congrats!
đđŒđđŒđđ
Wow
Help tell me how
Wow, I'm happy for you.
đ€Ł âbroke people donât go on vacation â I felt that omg .
Yep. Nor do they have a written budget. Its the exact same bills with 0 balance left over every month.
I felt it too
Broke people shouldnât go on vacatio, unfortunately I have many friends that go on vacations with car debt, c/c debt, tickets, issues and they look at me crazy and advise me to live my life. Well there not my friends anymore!
My ex did and threw a fit when I'd say we can't afford it.
â@@Cirearyksounds like you're more sour for not getting the invites for vacation than you are for judging them.
We're DEBT FREE!!!! It's an awesome feeling, no more being broke all the time. Now we can really enjoy our lives and pay cash for everything!
+Mike Nelson did you do it?!
+Mike Nelson congrats my friend! Time to build wealth!
+MrGiggity890 I also do a bit of a hybrid plan but the basic principles remain...make money, avoid making disastrous financial decisions with debt, save and invest like a boss.
100% CREDIT CARDS and debt free + *GAIN* rewards that cash fails to pay
KENT ROBINSON, youâre funny...
GORDON RAMSEY for cooking
DAVE RAMSEY for finances
*Gordon Ramsay
Lance kaminsky he's literally amazing
Aaron Ramsey for football?
JonBenet Ramsey for .... Nevermind....
Ramsey's financial nightmares đ
"Don't be praying and asking God for financial blessings when you're misbehaving with the little that you DO have. "
lol ..like what kind of misbehaving?
Frank 0020 spending on frivolous things , non essentials
Then no one be praying lol
Praying doesn't work anyway
No matter what you praying for
Stupid people
messi messi đ
- Your money is out of control when it's out of control.
- When you're faithful for the little the things, you'll be given more to manage.
- When you aim at nothing you'll hit it every time.
1:59 - âIf you worked for a company and you managed money for that company like you manage money for you now, would you fire you?â đđđ
Yup. Fired with no severance.
If I worked for a company and I managed money for that company like how I managed money for myself, I will fire myself. Lol.
Absolutely would I.
Yes I would fire me lol
I would not just fire, I would sue me!
When he says " You can tweet that" I lost it, lol.
âDonât see the inside of a restaurant unless you own it or your work there â
Having a budget has literally changed my life! I'll be on baby step 2 for a total of 18 months, but finally having a plan and telling my money where to go has given me back the hope that I had lost. Now THAT is priceless :)
Kristine Belanger how's it going?
people always think a budget means you can't ever do anything and it's quite the contrary. when we did our budget we discovered we had so much money left over after bills that we never knew we had. it's amazing and freeing!
Sandy Maldonado I know what you mean. I thought the same thing once.
Love it!
Same! I have an extra $800 a month I didnât even realize I had đ
I used to be pretty good with money without a written budget. But then my roommate moved out and suddenly everything is twice as expensive. I remember looking at my savings account getting smaller and smaller and thinking, "I don't know what to do." So I moved out of that place, got myself a small, one bedroom apartment. Still was struggling, so that's when I did some serious budgeting. Everything written out and tracked.
Suddenly I didn't have panic attacks every time I spent money. Registration notice came in the mail that I needed to renew the tags on my car? No biggie. I've got a "car fund" where I saved a little aside every month to take care of car expenses that might not have accounted for. Phone died? No biggie. Internet bill due? I got it covered.
"Rocket Surgery" I love Dave's mashed up cliché comparisons.
I only came to the comment section on this one just to see if someone would comment on that đđ
I can't do the electronic budget without having it on paper too. I write everything on a calendar (due dates, pay days etc) and it just keeps me organized.
life is worth fighting for SAME!
Yup same here! Iâm an old school paper/calendar type person. If itâs electronic, itâs just not as encouraging to me lol gotta be on paper in front of me
@@BetterNBetter i feel the same, its better 2 write it down
I do mine on an Excel spreadsheet instead. My income can be anywhere from $3-4k per month depending on my overtime so I basically need to do a What-If Analysis for each scenario.
The fun part of being single: My budget, my way, my dollar allocated - no convincing someone else that being debt-free is awesome.
Squiffy Amen!
Its the TRUTH!!
Perhaps you will find somebody that is on the same page. â€
That's why I like being single.....
@@michaelfleming40 So long as they're happy earning their own income and never sharing a bank account should the relationship go far enough to need joint finances, I'm game. Single is still easier though, by miles.
I used to feel like "budget" was a bad word, like having one wouldn't allow me to have any fun. But since I have finally taken the time to tell my money exactly what to do, I find that I have not only more fun, but more money as well. Definitely a win-win!
Cut up all my credit cards. Paid off all the balances. FREEDOM!
100% CREDIT CARDS FOR OVER 3 DECADES...$0 DEBT...CHEAPER THAN CASH
Watching this before I start my first job.
Me too. Iâm starting my first job. I owe 10k in student debt and I will start making 100k. I am going to destroy this loan
Dave Ramsey changed my life and Bank account ! Love you man đ€
It is possible people! I only have my mortgage and utility bills after I paid my debt and it's wonderful. đđŒđđŒ
awesome đ
good stuff!
+Fany M Great job dude! may i ask what your income is?
I hope to be in your situation someday. I got 50,000 to go! I was able to pay 20,000 in 1 1/2 year..
Jose Enrico Bustamante Way to go!!!!
âYou cannot outearn your disorganization and stupidly đâ
A written budget has LITERALLY changed my financial life. Two years going now and can never imagine living without one - not going back to that life! Thank you, Dave!
We had 30000 debt from student loans and from my husband not having a job for few months . We paid in 3 years . We did not go for a strict budget . But we did reasonable spending. We would go out for vacation only once a year not to expensive places . If we ate in a expensive restaurant then we would take one month break to go out again to expensive restaurant . Did some couponing and basically did not buy any stuff for 3 years . Things like having loads of clothes shoes and furniture will not help if you r in debt especially. All the free money went to debt payment. I would say don't stop having fun, we would still go out to movies and go out small vacations but don't overdo it when you are in debt . Now we plan to pay off our house in 6-8 years . It is incredible feeling to have to not to owe anything to anyone . It's so much mental peace which I think is what everyone wants in life.
Dave Ramsey for president.
Haha I thought same thing the other day! If a couple of terms could double the deficit imagine what dave could do in 8 years
Clark Howard for VP
I could just see him taking congress' credit cards, dismissing the senate and chopping up all of the credit cards in the government and telling them to go live on cash. LOL!
People would riot in the streets.
Amen!
You know you love the Dave Ramsey show when you like his video before even watching it :D
LMBO!!!!đđđ You are so right!!!!
Beans and rice thats easy im a Mexican!
Lol and im Dominican đđđđđđ
Lol đââïž
But we Scots get the porridge !!
Doing Januaryâs budget while listening to this. Glad I found this. Thank you, Mr. Ramsey.
When he does the 'whip' sound with his mouth like a lion tamer, my love for him was solidified
đ
đđđ
Having an âevery dollarâ budget has been absolutely transformational for my household. Weâre saving money that we had no idea was even there. My wife and I use an app that syncs between our phones. We enter every single dollar we spend in the app so we always know how weâre tracking against our targets.Weâre so much more conscious about our spending now.
What's the app? Sounds great.
My wife and I had our first baby and I decided to get serious about finances. Downloaded the every dollar app and put in the numbers and realized that we are over budget. Even after subtracting everything that I could we are still over budget. I feel like I have let my family down and it is not a good feeling. I should have listened to people like Dave Ramsey a long time ago.
this video really opened my eyes. I've known about Dave Ramsey for years but never acted on his advice.
I just fired myself đ©... Lol
Elsa Romero fire me too ok!
get off Insta and trying to follow trends , this will help
Me too
Hahahađđđđ
đ đ đ đ đ
"You will add a layer of communication to your marriage that will change your marriage. In a good way." He is so right. You are required to communicate so much to stay on track. And your goals are kept in the line of fire.
A man sent by God to give Financial Insights! "WRITE IT ALL DOWN!"
So true Dave. My wife and I do our written budget weekly. It has been the best year of our Marriage!! It has brought my wife peace and it has brought us to a place where we are at peace, with great Communication. Headed to pay of 22,000 in 8 months on roughly 35,000. We sold a lot and are being gazelle focused.
Impressive
Congratulations!!
đ© You are correct Dave. After listening, I do realize & accept I am part of the problem đŻ I am starting today with your tips.
Awesome!!! YOU WILL WIN!!!!
+Jonathan D. Jordan Thank you Jonathan. And I DID start! đ
+Nazneen YES!!!! Im so happy for u!!!
Just remember to follow his plan verbatim. DO NOT SKIP a step! Pleaseeeee!!!
His plan works if followed correctly!!!
+Jonathan D. Jordan I'm sure going to do my best. Embarassing, but after writing down my spending habits, I am crazy đź $5 a week on sunflower seeds, $10 a week buying fountain sodas. Twice a month I buy ONE slice of cake at $2.49
Naz c
Budgeting is the most essential part of financial planning.
Good stuff, if you can`t take what he`s saying you probably need to listen the most.
good lord, everything he's said is on point
Iâm a young bachelor farmer, 4th generation. Still full time farming, but also got an off farm full time job to pay off my student loans. Iâm tired, physically, mentally, emotionally, and it can be hard to stay optimistic especially with out a spouse to encourage me. But Iâve been tackling it, because I know itâs the best thing for the farm in the long run. Thanks for the encouragement
Dave thank you for this ministry that ur doing unshakable and unwavering. I'm in South Africa and you've stir up the Will inside of me to change my financial game. Thank you Dave
I love how honest you are! Keep yelling at us please!!! It helps a ton!
đđđ I know...right
"It takes as much energy to wish as it does to plan." -Eleanor Roosevelt
Words I try to live by.
Woow
My Budget.
Work $2000
Pension $2400
Rent -$300
Food -$320
Ph -$50
Student loan 0
Credit cards. 0
Car payment. 0
Gym pass 0
Cable. 0
Savings. $3400.
What is Ph ?
@@pingupenguin2474 iPhone internet
Thank you Dave for coming into my life and given my money and me direction we can follow and live with!
Shean Rhoden Ditto
I feel like all of the politicians should be forced to watch this before they go to approve a budget that they never even read..
Indeed. I couldn't agree more. It should be a requirement before they can even take office
"This is not rocket surgery baby "đ
đââïžđââïžđ€Łđ€Ł
TADAAAAA - today I'm going to start being competent. Thank you so much for the encouragement. I desperately need to make some sacrifices in my personal life to improve the well being of my four children. My family lives off one income and times are very tough right now and have been for a long time. Today I begin our new budget and we are marrying it :)
Thank you again so much for the words of wisdom. I can't wait to stop typing this and get to budgeting!!!!
Alicia Cordell
Howâs it been working for you?
Would love so,e feedback!
Are you sick and tired of being sick and tired? Yes, In the last 4 months putting into play the "changes" he prescribes has moved financial mountains! Thank YOU!
I already have a very solid understanding of finances because my dad taught me.. Iâve worked in the finance world for over 10 years.. and I got my Masters degree in it. However itâs always nice to get someone elseâs perspective on finances and just reassure myself that Iâm doing stuff right lol good luck to everyone out there with their money, investments and paths to being debt free!! Itâs possible!! :)
Man, why didnât I know Dave in 2007. I would be a multi millionaire by now. Better late than never. Getting this mess cleaned up.
Exactly
If you want to succeed, you need to create a budget. Without a budget, you lack focus and direction. Budgets not only allows you to take control of your financial direction; it also provides you a benchmark for determining whether you are actually succeeding.
Dave is awesome when you are trying to reach high school seniors and the importance of a budget. Thanks Dave you help to make my job easier.
This is one of the realest videos ever
Budgeting gives you a feeling that you got a raise, I can totally relate to that.
It is easy to give when one has little: trust in God to provide for you as Matthew 6 and Luke 12 say.
Yesss
The Budget works..
every time!
Niiiice
I absolutely love these RANTs. I purposely look them up from Dave vs. the calls.
I love Dave, I caught when he said rocket surgery. mixing your metaphors!
My my name is jaseen seven ,just for the record. Mr. Ramsey I salute you big bro. As a young black man from East Oakland I must admit you have a way of talking to me about getting my financial house in order that truly resonates with My Soul. I'll try to hit you up to update you in a few months. Ill eave it at that thank you again mr. Ramsey.
Thanks Dave for your wonderful advice
Awesome advice Dave .Thanks a million.
This man is a
National Treasure he has great advice â€
Iâm having a tiny debt mishap and this is something I havenât tried yet. Still young, still learning. Iâm definitely gonna stick to a written plan when Iâm out the clear.
You are the man, I love your brutal honesty!!!!
People should make budgeting a habit â€ïž
Waking up with a financial hangover....You're Dag Gum RIGHT!!! Fortunately I'm listening to this rant BEFORE December hits. Thanks Dave for the lecture!
God bless you Dave Ramsey. Thank you for all your wisdom.
I use the budgeting tool on my bank's website. And it has the added benefit of the money I spend and earn being added without my input (I just have to adjust the category).
Great..
wife and I aren't in serious debt ($50k total debt for the car and house) but we weren't exactly coming out ahead like we should... just bascially breaking even every month... so I finally had to write out this is what our average monthly bills are, this is what our average monthly take home pay is... if I allow this much for groceries and miscellaneous spending money this is how much we should clear on average.... this month is the start of our budget so we'll see how we do in the next few months and hopefully I can get my car and house paid off faster than the 5 years I was initially estimating
Ryan Cook how has it worked so far?
We don't have a large income, but we're working at it dollar by dollar.
I wrote it out and it really changes things! I did have to get rid of so much. It felt great.
Dave Ramsey should be hired by the Department of Education to create a Realistic curriculum for our future. Knowledge is power and this is Proof
Along with Ben Shapiro and Ron Paul
Dave Ramsey the king! Yew!!! Respect From Adelaide South Australia â
I like how Dave lives up to his own advice! Multimillionaire, and if you look closely around the 530 mark youâll notice Mr. Ramsey doesnât need a fancy studio. The old restroom thatâs a plexiglass wall now in a pawn shop on 53rd street works just fine!!!
4:36
I had this moment one night at work. Wrote a budget and currently paying off my debt little by little. Thanks Dave for opening up my eyes đź
Great show!!!
This gave me some hope at a time I really needed it. I have been using Every Dollar and tracking my finances for quite a while so I know where my money goes. The problem is I never stick to the amounts given for the categories and here I am wondering why I can't get ahead and continue to struggle financially. I am ready to stop this ridiculous behavior and make changes. I absolutely have to. I am 59 years old and worry about the present and my financial future every single day. What I'm currently doing is NOT working.
Just downloaded the Every Dollar app. This is going to help me out so much! Thanks!
When he did the whip noise I died đđđ
đ€Łđ€Łđ€Łđââïžđââïž
Thank you for your basic teaching !! Itâs hard to change
Great video thanks Dave. Great Job.
You are the best. Thank you
Beast! You're getting a haircut! đ
Like the Boundaries books, this rant is worth visiting over and over again; it's a MUCH needed coaching session! (Said growling like a lion-tamer.)
Love you Dave. Would love to come to your sermons in person brother. Too much love for you and your company to explain it in words. â€ïž
Your funny! Straight up! Thanks for being real đđ
4:48 i do feel the thing come up inside of me changing my life, dave ramsay
Great points!
Wow! Am I glad I just came across Mr. Ramsey!! Words of gold I just heard from Dave!
I am starting to earn more but still disorganized & stupid! đ I was thinking I could out run everything if I just made more money! I am spiraling upward with earring more money. This guy is going to set me straight! đ
Best app. ever! You have to be accountable for where your money goes!
Dave Ramsey needs to be in Australia !
Iâm in control Dave. Writing out my biweekly budgets and planning where my money will go is something I enjoy. đ°đžđ”
I needed this. Wow. I canât even cry.
omg you are the best, i am on it so excited
6:44 I really tried to start paying down our CC in 2012, but it wasn't until Feb 2013 (I've still got the spreadsheets) that I really made a written budget. It definitely turned our financial lives around.
Oh my goodness I wish I had found this 7 years ago đ
Praise God I have found it now.
Have to add this to my iPod playlist! dam another great video!