Truth! When I was married, we were always stone cold broke days before payday to the point where half the Bill's were paid on the second paycheck & late. Never, never, never again.
We were flat broke right after marriage, horrible jobs, debt collectors calling every day, we even got an eviction notice served on us. But, we got out of it and swore NEVER AGAIN. And we haven't. No debt and even the house is paid off.
Absolutely the BEST advice, ever, Dave!!!!! Love this call. I grew up in poverty myself. Grew up with holes in my shoes, stained clothes, and free school lunch. My home was dysfunctional and abusive. My mom finally left and the finances got worse. I lived in a TENT when I was in highschool of all times. But you know what? My family had a lot of LOVE. Sometimes my mom would get all the presents at the dollar store so at least the tree was full of presents for us on Christmas. We played outside. My brothers and I had fun. Sometimes she would take us to "get lost" and she would just entertain us by driving us around to explore. Once we found a house that was made up to look like a castle ...think pink and purple and Disney Princess. I never forget that. Dave is right about CHARACTER. It has definitely made me who I am today and also inspired me to to better. I make well over six figures now. And I married a GOOD man. If I hadn't seen and lived through what I did, I would not be who I am today. Don't spoil your child. She will not be grateful. She will be entitled and expect life to hand her what she wants. She won't value hard work. I mean, I stated a "car washing club" with my friend when I was in 4th grade so I could have money to go to 7-11 and get slurpees and nachos. I learned the value of a dollar young, and that hard work pays off. I'm forever grateful for everything I worked for. Kids don't even remember the STUFF they had when they grow up. I can barely remember any of my toys. But I remember the silly games we played when the power went out.
I always laugh at the start of these "How are you?" "I'm great Dave!" "So whats your problem?" "I am $3million in debt my wife just left me, my dog just died and my car needs work"
It is already a required class in high school. Plenty of very practical information in shared. However, Madison Avenue has spent billions convincing the American people that they need all of this stuff to be happy. Very hard to combat this, but the teachers are trying!
So nice looking at my credit score and seeing $0 on credit cards. All that’s left is $30,000 in student loans and $9,000 on my car and it’s time to scream!
Good for you. I hope that in your scream you add " Never again! " I see so many people get out of debt and reward themselves with a new car..Furniture... on credit , that I wonder about their sanity.
I grew up very poor as well, never homeless, but almost too many times I count, and now that I make very good money I spoil my younger daughter, who still lives with me, and it’s at the detriment of paying down my debts.
Dave and friends, I was a financial analyst for my state's government (Delaware) and I was a trainer. So many people in my classes told me they wished I could give their kids some of the basics. I got in touch with some local schools and offered to do things like "Friday, brown-bag lunch & learn" sessions for things like how to have a checkbook and balance it, how to save up for things, etc. I was told there was no room in the schedule because they had hired someone (paid, not free, as I was offering) for hip-hop lessons. Okie dokie, then!
I grew up without brand names and when I had kids, I wanted them for my kids. I thought they would fit in better. To my surprise BOTH of my kids refuse to wear them, a brand cannot be visible! LOL. My husband is the same way. How lucky and what a lesson I learned. They don’t like the “daddy’s money” vibe, as they now call it as teens. ❤️
I grew up with little money and always heard no, I think that’s what motivates me the most...if you didn’t come from money make sure money comes from you. That said, you need to make sure those kids understand how hard you worked for them to get what they have.
I grew up poor and I would tell my mom no it’s okay I don’t need it. I remember I wanted a class ring. I had the catalog and had one picked out and my mom said okay I’ll get it for you but I knew there was no way we had the money and I knew it would cause another stream of unending arguments with/at my dad about what a loser she thought he was, etc and consciously or unconsciously I knew this so I put the kabash on it and college was no different. 😔
@@inthevault9603 my children are the same. My 10 year old said she didn’t need a birthday present this year which hurt my heart so much. I got her a $12 gift and made her favorite food.
It feels like I’m calling unpacking my own story. It’s nice to know I’m not the only one and it’s nice to finally find a story that I can actually relate to. None of them ever relate or touch close to home.
I didn't come from a single parent household or even a low income one, but my parents were super tight so I grew up with hand-me-down clothes and store brand food. So I went absolutely crazy when I started working - I bought all sorts of stupid stuff! No more used clothes - I'm going to wear $100 jeans ect; I cringe when I look back at my 18 year old self. So much money wasted. I still don't want to buy the .75 cent spaghetti, I pay the extra .25, but I've found a happy middle ground.
I think personally being raised in a stable home with necessities but not everything I wanted created my drive as adult to be responsible with money. Have you ever noticed people that have a bad relationship with money, irresponsible, tend to have bad relationships too?
I have noticed! Grewing up in Africa, our lights and water were interrupted every now and then, thank god no eviction! That has led me to be so frugal with money that I think sometimes i am crazy
every video.. Dave: "Better than i deserve ! how are you ? " every caller: "Im doing great Dave !" Also caller: "i'm 1 mil in debt, homeless, jobless, someone died, i'm about to die..."
Chase, CITI, AMEX, etc would lobby against it. The government got involved in education in the 70's when we were #1 in education and since then we're now in the 20's.
there is no way a government school is going to teach the truth about money - if they did you'd have an uproar about social security. Basic math on what they STEAL out of your check every month tells you if you invested that same amount of money, you'd be a millionaire by the time you turn 40. When you retire and start collecting it, you're lucky to get a fraction back of what you paid in.
Your children can also be part of their own future...want to know how? From the day they start pre-school, lovingly let them know they must work hard in school and do their very best. Emphasize the love of learning and the beauty of discovery. Be curious with your children! Then your children will journey through school (life) knowing that education is important...AND know they chart their own course, so to speak. Your children will get great grades. When it comes time to take college-entrance exams, your children will excel. What is the OUTCOME: scholarships and entrance into fabulous schools.
I can relate. When you come from a poor family. It very difficult to relate when you become rich because you have to become reverse of what you thought before having money. Getting rich is not a problem, the problem is staying rich.
Wonderful conversation. Best of luck to this lady. She needs to probably change the way she's been thinking for a long time. There's nothing more powerful than trying other ways and seeing the upward change for ourselves.
I seem to have an "unhealthy relationship" with money also, I am in love and I want to see more of it and more often but money only wants to be with me every 2 weeks and always leaves ASAP!!
An excellent interview and advice! In my opinion, it does not hurt to allow children to experience consequences. Thanks for sharing and good luck to the caller. (p.s. I can relate, my mom worked her tail off for us and just passed away too). Hugs to all!
Why does Dave always recommend pastors for mental health treatment or marriage counseling? What specific training do pastors have? Makes no sense to me. I wouldn’t go to a car mechanic for a plumbing issue.
As a child I did have everything, that being said everything is not much in a third world country. Now that I am the US I value every penny I have, you don't need to feel the pain, is all about reason and what will give you a better life in the future.
My family of 7 was also “poor” and I put it in quotes because we never lacked any basic needs. My mom was a stay at home mom and my dad didn’t have a stable job but hussled and worked at everything and was always working. Yes we were told no and we didn’t vacation very year and go on a plane but I NEVER felt poor. My childhood was great from what I remember even though my mom tells me know that I’m an adult that people would tell her things and that she felt bad but I always tell her that we didn’t suffer. Also now that I have my own kids yes they have gotten in a plane already on a vacation but I plan on raising them humble and what I mean buy that is we don’t own a tv or a computer or laptop or tablet and they will not be receiving a newest iPhone for their first phone not because we can’t afford it but because we want them to earn what they want. We want to teach them you want the newest iPhone ok you’re going to work and save up and buy it yourself so you can feel it.
They should have more access to technology and TV so they can learn there is so much more to the world and access to other cultures. They will need computer skills for any decent job in the future. You are hurting them more than helping them even though I know you think you aren’t. Sounds overly controlling and not connected to the real world. You need to teach them to be both book smart and street smart. Over sheltering them by denying tv computer phones they will isn’t helping. My kids are up-to-date on all the scams etc out there. They help me avoid scammers that text links and emails and calls. Street smart is worth it. All you need to do is keep a limit on their technology time and use parental controls. When I hear people say they don’t allow their kids these things I also notice they aren’t very comfortable with technology themselves so that is something to ponder.
@@truthlove1114 Yes thank you so much for your opinion. This is true and balance is key. My kids are only 1 and 4 but they will be learning computer skills that I lacked and he does have a school laptop for class.
I grew up upper-middle class but I didn’t care, that why I trade FOREX because I knew early on that I had to take advantage of the foundation I had and create multiple sources of income & teach MYSELF financial literacy
@Wally Wallace - I’ve been definitely increasing my profit with forex, slowly but surely. I don’t trade patterns as much as I just trade price action itself in forex. I have stocks for long term investment
Wonderful comment Drea Drea, it’s hard bloody work improving yourself but it’s a lot better than writhing in past sorrow and misery that you cannot change. Have an excellent day 👍🏾
Controlled pain, controlled discomfort is essential. Nothing grows without learning how to deal with the blistering rays of the sun or under the heavy downpour of the rain. Whether you learn to cover up or do without.
You would be surprised how many people I speak to say they are married, then change it to we've been dating for years upon asking why their names dont match.
Seems to me like her building up an emergency fund, so she's not as stressed about finance, might go a long way to helping her daughter not feel as much "proxy stress" about money as she did? Maybe some budgeting?
We had some lean years but thanks to our mother's frugality we always had a roof over our heads, food, clothes and medical and dental care. I do however remember a year or two when we were on food stamps after my stepfather died from suicide. It was humiliating to have to go use them in the stores and we got free school lunches as well. Our mother did not make good choices in men but we never felt unloved.
I'm just now trying to recover my finances in my mid forties after a less that optimal upbringing. The violence I saw in my family due to lack of funds made me not want to think about money as it resurfaces trauma. I'm on here because I force myself...
@@brilliantwriter4856 I have been fortunate to always have been good with money, debt free and my motto has always been "If my bank account isn't happy, I am not happy". I've been thinking of starting a youtube channel to help people and share my knowledge, what I have learned along the way. It's hard to get my thoughts to come across on camera, without rambling..lol
@@jayh40515 my husband always says that too. When his bank is happy hes happy. Maybe you can make a video with different images and do a voice over with an organized compiled script of all your ideas. You should do it! I'd love to listen to what you have learned because I am still learning
Not having things that your mother could not afford is part of what made you the successful person you are. Why take that character-building mechanism away from your children? Wouldn't it be better to not be so focused on material things and instead be mature with your money and build a solid financial future for yourself and your children???
Well, not really. If you want to see poor go volunteer in a family homeless shelter, go to a soup kitchen, go to low income schools right in your neighborhood. I worked in a homeless shelter for a number of years, I have seen families without having on dollar for food. You don't need to go to third world country to see poor. I see homeless people sleeping on the streets every day including extreme weather. Cold/hot. How can't you ignore poverty in USA?
@@mariee.5912 I agree in part, but here in the states you have the option to go somewhere (a shelter) and the government is always willing to help, in a bunch of other countries he doesn't, this people that call are very very far from poor.
@@SuthenGirl they need to see this videos I came from a border town in Mexico selling fruits on the streets and living in part of hardware store without ac or heater I know somewhat what poor is, Saludos
The majority of the last one to two generations were spoiled, and it shows. Growing up, even though we were middle class somewhere, I rarely ever got what I wanted. Had to earn stuff. I remember many a 'high level negotiation' with one or other parent. And I was 'the saver', not much of a spender at all. Had always been that way, it was just a thing. But spoiled children generally grew up to be useless adults.
Thands TV I am in a unique situation, like most of his callers. I have gone thru a lot of his videos. I have found my answers. I also know Mr. Ramsey’s a busy content creator and businessman.
the great thing about being poor is that it motivates you to never never never ever want to be poor again.
Truth! When I was married, we were always stone cold broke days before payday to the point where half the Bill's were paid on the second paycheck & late. Never, never, never again.
We were flat broke right after marriage, horrible jobs, debt collectors calling every day, we even got an eviction notice served on us. But, we got out of it and swore NEVER AGAIN. And we haven't. No debt and even the house is paid off.
Jim Roscovius Nice!!! i’ll be joining you mortgage free next year. Wahooo!!
and not being able to eat... It saves on gym costs and obesity expenses.
say it louder for the socialists in the back 😂
Absolutely the BEST advice, ever, Dave!!!!! Love this call. I grew up in poverty myself. Grew up with holes in my shoes, stained clothes, and free school lunch. My home was dysfunctional and abusive. My mom finally left and the finances got worse. I lived in a TENT when I was in highschool of all times. But you know what? My family had a lot of LOVE. Sometimes my mom would get all the presents at the dollar store so at least the tree was full of presents for us on Christmas. We played outside. My brothers and I had fun. Sometimes she would take us to "get lost" and she would just entertain us by driving us around to explore. Once we found a house that was made up to look like a castle ...think pink and purple and Disney Princess. I never forget that. Dave is right about CHARACTER. It has definitely made me who I am today and also inspired me to to better. I make well over six figures now. And I married a GOOD man. If I hadn't seen and lived through what I did, I would not be who I am today. Don't spoil your child. She will not be grateful. She will be entitled and expect life to hand her what she wants. She won't value hard work. I mean, I stated a "car washing club" with my friend when I was in 4th grade so I could have money to go to 7-11 and get slurpees and nachos. I learned the value of a dollar young, and that hard work pays off. I'm forever grateful for everything I worked for. Kids don't even remember the STUFF they had when they grow up. I can barely remember any of my toys. But I remember the silly games we played when the power went out.
Thanks for taking the time to share your story.
That's awesome! I'm sure you're living a better life now.
It's help to know hard times get rewarded!
Wow, reading that made me cry.
Anne the Nurse Thanks for sharing your story.
I always laugh at the start of these "How are you?" "I'm great Dave!" "So whats your problem?" "I am $3million in debt my wife just left me, my dog just died and my car needs work"
You forgot got the part where they just bought a 60,000 dollar truck because the boat won’t pull itself.😂
And racking up $20,000 in CC debt because people work hard and deserve things because they work hard.
Also add.. we make 300k a year and don't know where the money goes every month.
🤣🤣🤣
I always think the same thing. If I ever call Dave I would just say I’m calling for your help Dave!!!
Schools NEED to make a personal finance class!
This lack of knowledge is insane.
It is already a required class in high school. Plenty of very practical information in shared. However, Madison Avenue has spent billions convincing the American people that they need all of this stuff to be happy. Very hard to combat this, but the teachers are trying!
They are but some aren’t interested I am and 17 and I learned a lot but them other Jit’s they already messing up with money
Nicole Hanna my school didn’t have any financial literacy classes whatsoever - and I went to a private, catholic high school in the suburbs 🤷🏽♀️🤔
90% of public schools require a personal finance type class
Investing Engineered and who is the winner of that?
Banks. Credit card companies. Personal loan businesses.
So nice looking at my credit score and seeing $0 on credit cards. All that’s left is $30,000 in student loans and $9,000 on my car and it’s time to scream!
Good stuff, I hope you reach your goal!
You'll get there! 😀
Good for you. I hope that in your scream you add " Never again! " I see so many people get out of debt and reward themselves with a new car..Furniture... on credit , that I wonder about their sanity.
Woohoo!
Congrats
Smart lady. Lots of people aren't introspective enough to analyze their own thinking and habits
I really needed to hear this. I grew up in a very unstable environment (homeless and moved a lot) and I fear I’m over spoiling my kids.
new mommy Wow!
If you teach them how to be grateful and to give to others...they will turn out alright!
I grew up very poor as well, never homeless, but almost too many times I count, and now that I make very good money I spoil my younger daughter, who still lives with me, and it’s at the detriment of paying down my debts.
Don’t worry. They will be just fine because you are so balanced and appreciative.
You call Dave Ramsey for financial advice and he tosses in the wisdom as an extra.
Nailed it.
Dave and friends, I was a financial analyst for my state's government (Delaware) and I was a trainer. So many people in my classes told me they wished I could give their kids some of the basics. I got in touch with some local schools and offered to do things like "Friday, brown-bag lunch & learn" sessions for things like how to have a checkbook and balance it, how to save up for things, etc. I was told there was no room in the schedule because they had hired someone (paid, not free, as I was offering) for hip-hop lessons. Okie dokie, then!
Oof their mistake! Kids need financial lessons!
Make CZcams videos for kids :)
So did you get to go to the hip-hop lesson
I grew up without brand names and when I had kids, I wanted them for my kids. I thought they would fit in better. To my surprise BOTH of my kids refuse to wear them, a brand cannot be visible! LOL. My husband is the same way. How lucky and what a lesson I learned. They don’t like the “daddy’s money” vibe, as they now call it as teens. ❤️
She missed what he was implying... that just because she didn’t have EVERYTHING given to her as a child, she got through it.
I applaud this woman for her courage to share her story.
I grew up with little money and always heard no, I think that’s what motivates me the most...if you didn’t come from money make sure money comes from you. That said, you need to make sure those kids understand how hard you worked for them to get what they have.
I grew up poor and I would tell my mom no it’s okay I don’t need it. I remember I wanted a class ring. I had the catalog and had one picked out and my mom said okay I’ll get it for you but I knew there was no way we had the money and I knew it would cause another stream of unending arguments with/at my dad about what a loser she thought he was, etc and consciously or unconsciously I knew this so I put the kabash on it and college was no different. 😔
@@inthevault9603 my children are the same. My 10 year old said she didn’t need a birthday present this year which hurt my heart so much. I got her a $12 gift and made her favorite food.
@@shaddowgolden1054 that will probably be one of her most cherished Birthday memories!🥰
They might deserve a new dress but they deserve to have a financially stable household. Something they probably won't understand 😕
"Deserve has nothing to do with it". -Unforgiven
Children who grow up in poverty definitely understand better than those who don’t.
There is no substitute for love. just being there is the best gift.
It feels like I’m calling unpacking my own story. It’s nice to know I’m not the only one and it’s nice to finally find a story that I can actually relate to. None of them ever relate or touch close to home.
I didn't come from a single parent household or even a low income one, but my parents were super tight so I grew up with hand-me-down clothes and store brand food. So I went absolutely crazy when I started working - I bought all sorts of stupid stuff! No more used clothes - I'm going to wear $100 jeans ect; I cringe when I look back at my 18 year old self. So much money wasted. I still don't want to buy the .75 cent spaghetti, I pay the extra .25, but I've found a happy middle ground.
The Maslow pyramid, being at the bottom is part of the journey
I think personally being raised in a stable home with necessities but not everything I wanted created my drive as adult to be responsible with money. Have you ever noticed people that have a bad relationship with money, irresponsible, tend to have bad relationships too?
I have noticed! Grewing up in Africa, our lights and water were interrupted every now and then, thank god no eviction! That has led me to be so frugal with money that I think sometimes i am crazy
Nope. I have a wonderful relationship with money and not a good relationship with men.
That’s right Dave!! Spend time in prayer!!! Yahweh always makes away🙏🏼🙏🏼🙏🏼✝️
Life is a struggle, including financially. Kids need to learn that. Don't worry about things you can't control. Mom needs to learn that.
every video..
Dave: "Better than i deserve ! how are you ? "
every caller: "Im doing great Dave !"
Also caller: "i'm 1 mil in debt, homeless, jobless, someone died, i'm about to die..."
This is the best advice I have heard from Dave Ramsey.
I like how you explained things to her and most that call in! Makes common sense seem alive again, over,and over! She calmed down listening to you.
He’s right. Pain, conflict, adversity, etc is coming. So how are you going to deal with it?
God bless this family !!!!!!
jordan dunning first nice logical comment
Amen.
I write about 4-5 checks a month whoever cash it first is the lucky bill that gets paid 👀 I had it when I wrote it
8:53 Awe poor baby Rachel. So cute !
I have an unhealthy relationship with money-it's always fleeing me and going to Sallie Mae 😎 💸
fsmoura same here
Sallie mae is Satan incarnate.
I remember being 8 and enjoyed saving money.... Too bad my birth giver was bi-polar and would "borrow" from me. Keep users out of your life it helps.
Part of WHY schools do not teach about money
Because we need army of consumers
@@andyhandyman2118 exactly right !
Chase, CITI, AMEX, etc would lobby against it. The government got involved in education in the 70's when we were #1 in education and since then we're now in the 20's.
there is no way a government school is going to teach the truth about money - if they did you'd have an uproar about social security. Basic math on what they STEAL out of your check every month tells you if you invested that same amount of money, you'd be a millionaire by the time you turn 40. When you retire and start collecting it, you're lucky to get a fraction back of what you paid in.
If they did shareholders would be as broke as everyday ppl that they scam.
This was a great episode! I needed to hear that! Parenting out of guilt is what we call it
Your children can also be part of their own future...want to know how? From the day they start pre-school, lovingly let them know they must work hard in school and do their very best. Emphasize the love of learning and the beauty of discovery. Be curious with your children! Then your children will journey through school (life) knowing that education is important...AND know they chart their own course, so to speak. Your children will get great grades. When it comes time to take college-entrance exams, your children will excel. What is the OUTCOME: scholarships and entrance into fabulous schools.
I can relate. When you come from a poor family. It very difficult to relate when you become rich because you have to become reverse of what you thought before having money. Getting rich is not a problem, the problem is staying rich.
Wonderful conversation. Best of luck to this lady. She needs to probably change the way she's been thinking for a long time. There's nothing more powerful than trying other ways and seeing the upward change for ourselves.
Good Mom teaches from mistakes from granny , and changing it all for her daughter
Dave always has sage advice.
I seem to have an "unhealthy relationship" with money also, I am in love and I want to see more of it and more often but money only wants to be with me every 2 weeks and always leaves ASAP!!
That’s my husband to the T and that WAS me until I realized that I have to get out of our debt carrying the brunt of it.
An excellent interview and advice! In my opinion, it does not hurt to allow children to experience consequences. Thanks for sharing and good luck to the caller. (p.s. I can relate, my mom worked her tail off for us and just passed away too). Hugs to all!
Love how Dave always Says Rachel is sooo dramatic 🤣
Why does Dave always recommend pastors for mental health treatment or marriage counseling? What specific training do pastors have? Makes no sense to me. I wouldn’t go to a car mechanic for a plumbing issue.
As a child I did have everything, that being said everything is not much in a third world country. Now that I am the US I value every penny I have, you don't need to feel the pain, is all about reason and what will give you a better life in the future.
Dave is old school......love it. His kids are well balanced..go figure. Dave for President !! Yea!!!
Thank you for this advice Dave. I really appreciate what you do here on this show.
My family of 7 was also “poor” and I put it in quotes because we never lacked any basic needs. My mom was a stay at home mom and my dad didn’t have a stable job but hussled and worked at everything and was always working. Yes we were told no and we didn’t vacation very year and go on a plane but I NEVER felt poor. My childhood was great from what I remember even though my mom tells me know that I’m an adult that people would tell her things and that she felt bad but I always tell her that we didn’t suffer. Also now that I have my own kids yes they have gotten in a plane already on a vacation but I plan on raising them humble and what I mean buy that is we don’t own a tv or a computer or laptop or tablet and they will not be receiving a newest iPhone for their first phone not because we can’t afford it but because we want them to earn what they want. We want to teach them you want the newest iPhone ok you’re going to work and save up and buy it yourself so you can feel it.
They should have more access to technology and TV so they can learn there is so much more to the world and access to other cultures. They will need computer skills for any decent job in the future. You are hurting them more than helping them even though I know you think you aren’t. Sounds overly controlling and not connected to the real world. You need to teach them to be both book smart and street smart. Over sheltering them by denying tv computer phones they will isn’t helping. My kids are up-to-date on all the scams etc out there. They help me avoid scammers that text links and emails and calls. Street smart is worth it. All you need to do is keep a limit on their technology time and use parental controls. When I hear people say they don’t allow their kids these things I also notice they aren’t very comfortable with technology themselves so that is something to ponder.
@@truthlove1114 Yes thank you so much for your opinion. This is true and balance is key. My kids are only 1 and 4 but they will be learning computer skills that I lacked and he does have a school laptop for class.
Feel pain in a protected environment - tough love breeds strong discipline and accountability!
I grew up upper-middle class but I didn’t care, that why I trade FOREX because I knew early on that I had to take advantage of the foundation I had and create multiple sources of income & teach MYSELF financial literacy
❤
are you consistently profitable trading FX? I've tried pattern trading it and switched back to stocks, why FX over stocks for you?
@Wally Wallace - I’ve been definitely increasing my profit with forex, slowly but surely. I don’t trade patterns as much as I just trade price action itself in forex. I have stocks for long term investment
You are a smart girl... 👍
Unlearn the way you were raised if it's not healthy. Sorry, but when we become adults, we're 100% responsible for our own lives.
Exactly!! This is called accountability, and it's becoming scarce.
Wonderful comment Drea Drea, it’s hard bloody work improving yourself but it’s a lot better than writhing in past sorrow and misery that you cannot change. Have an excellent day 👍🏾
But what happened to us doesn’t disappear.
Controlled pain, controlled discomfort is essential. Nothing grows without learning how to deal with the blistering rays of the sun or under the heavy downpour of the rain. Whether you learn to cover up or do without.
You deserve what you can afford. Period.
Ryan De Witt That’s true the first world and democratic countries, not in the other parts of the world.
Many people can’t afford healthcare but, call me crazy, everyone deserves not to die from treatable diseases
Lottery is my problem! After I win, I'm gonna quit😉
Haha
I will forever be your problem then
@@Brian-hd4rb update: I won, so I quit!
Caller: "My husband and I are married".....
👌👌
chalk it up to nerves? 😂
@@kodyeldridge5847 probably. Lol
Perhaps they're married to other people. Lol
You would be surprised how many people I speak to say they are married, then change it to we've been dating for years upon asking why their names dont match.
I’ve been waiting for this!! I feel the same... grew up without much now I have money to spend and I want to buy everything....
I didn’t grow up with much and I’m gonna make sure I’m an everyday millionaire. I’m 20
Seems to me like her building up an emergency fund, so she's not as stressed about finance, might go a long way to helping her daughter not feel as much "proxy stress" about money as she did? Maybe some budgeting?
A.d.d it is a light yellow issue for me. Food is my weakness... If I could just not eat for one month
Wesley Groth make food at home :)
Go do the Appalachian trail ;)
We had some lean years but thanks to our mother's frugality we always had a roof over our heads, food, clothes and medical and dental care. I do however remember a year or two when we were on food stamps after my stepfather died from suicide. It was humiliating to have to go use them in the stores and we got free school lunches as well. Our mother did not make good choices in men but we never felt unloved.
I'm just now trying to recover my finances in my mid forties after a less that optimal upbringing. The violence I saw in my family due to lack of funds made me not want to think about money as it resurfaces trauma. I'm on here because I force myself...
Yep that's me, spending money makes me feel happy
Unfortunately to "stay" happy you have to keep spending.....not a very sound plan.
@@jayh40515 I know. I've been thinking about it alot today. Just because theres money doesnt mean I have to spend it. I lose in the end. Thanks
@@brilliantwriter4856 I have been fortunate to always have been good with money, debt free and my motto has always been "If my bank account isn't happy, I am not happy". I've been thinking of starting a youtube channel to help people and share my knowledge, what I have learned along the way. It's hard to get my thoughts to come across on camera, without rambling..lol
@@jayh40515 my husband always says that too. When his bank is happy hes happy. Maybe you can make a video with different images and do a voice over with an organized compiled script of all your ideas. You should do it! I'd love to listen to what you have learned because I am still learning
Saving money makes me feel happy lol
Do or do not - there is no try.
Solid advice!!!
Love your videos dave All the way from sunny Scotland
Not having things that your mother could not afford is part of what made you the successful person you are. Why take that character-building mechanism away from your children? Wouldn't it be better to not be so focused on material things and instead be mature with your money and build a solid financial future for yourself and your children???
Spending time with your kids is the best gift you could ever give them. I’m a single mom too. Just make sure to always include GOD.
Yes, Jesus Christ
That's good Dave! Wise advice ☺
Some of this people need to live in other countries so they can see what poor is.
Well, not really. If you want to see poor go volunteer in a family homeless shelter, go to a soup kitchen, go to low income schools right in your neighborhood. I worked in a homeless shelter for a number of years, I have seen families without having on dollar for food. You don't need to go to third world country to see poor. I see homeless people sleeping on the streets every day including extreme weather. Cold/hot. How can't you ignore poverty in USA?
@@mariee.5912 I agree in part, but here in the states you have the option to go somewhere (a shelter) and the government is always willing to help, in a bunch of other countries he doesn't, this people that call are very very far from poor.
@@aroncarvajal7080 I also understand your point, people call themselves poor, but they still have options. I get it.
Go to the Mississippi delta. Third world conditions there. Plenty of CZcams videos about it.
@@SuthenGirl they need to see this videos I came from a border town in Mexico selling fruits on the streets and living in part of hardware store without ac or heater I know somewhat what poor is, Saludos
Love this show...positively/hope is missing in our culture. Great job Dave
Dave !!!! The Great I’m a new Subscriber!!!!!
The majority of the last one to two generations were spoiled, and it shows.
Growing up, even though we were middle class somewhere, I rarely ever got what I wanted. Had to earn stuff. I remember many a 'high level negotiation' with one or other parent. And I was 'the saver', not much of a spender at all. Had always been that way, it was just a thing.
But spoiled children generally grew up to be useless adults.
Love this! So raw
Greetings from Morocco
This one gripped me. Great talk Dave. Thank you for this.
Listing to Dr while I'm a t gym
Actually, we do still call them spoiled.
And they say money isn’t everything lol 😂 💰 💵
And "they" go to work everyday 😂
I have always been good with money. The secret is to find a healthy balance between spending and saving
@@bsca1956 I think Suze Orman once said money isn’t everything. It can’t buy happiness. However, not having enough will bring you all kinds of misery.
"I have an unhealthy relationship with money" is psychobable for irresponsibility and lack of self discipline.
Laying it on thick before the bombshell ...
Dave never asked if she was debt free?
Sweat equity is definitely lacking in child rearing these days.
Dave you’re awesome but man, why are your hands so ghostly white
Thanks for the great tips
Rachel 😮😂& look at her today!!!!!!!
How can I make a call to Dave Ramsey??
Sallie Mae - somebody please enlighten me
Wow
I've been working overtime all my life and we were never poor.
I have an unhealthy relationship with money as well. My wife won't sleep with me unless I give her some.
Um, marriage counseling?
I rent fun all the time.
"My Husband and I are married"
when you're somehow both spoiled and struggle with money👌
You have to be humble at the start
Dave’s never answered my calls. :(
Same here.
What's your question?
He probably has a lot of calls to go through. Can you find a question similar to yours in one of his old videos?
Thands TV I am in a unique situation, like most of his callers. I have gone thru a lot of his videos. I have found my answers. I also know Mr. Ramsey’s a busy content creator and businessman.
Chris Invests - Personal Finance Videos it’s not a question. Just sort of direction.
Hmm you never see single dads with money problems 😂
Joshua Shaffer that is a completely inaccurate statement.
Raised by single dad, we had debt and money trouble the whole time
Dave called her out on her “issues”
His fingers are so white but the rest of him is so brown
👑🙏
“My husband and I are married” uhhh duh
Actually not when you get rich but when you are in transition.
fomo