The Secret To Winning With Money That No One Likes To Talk About
VloĆŸit
- Äas pĆidĂĄn 22. 07. 2024
- đ” Create Your Free Budget! Sign up for EveryDollar âź ter.li/6h2c45
đ±Download the Ramsey Network App âź ter.li/ajeshj
đ Visit The Ramsey Store âź ter.li/7vyom2
đ Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
Explore More Shows from Ramsey Network:
đïž The Ramsey Show âź ter.li/ng9950
đž Smart Money Happy Hour âź ter.li/9gcp3d
đ§ The Dr. John Delony Show âź ter.li/2u3mc0
đ° George Kamel âź ter.li/1elws8
đĄ The Rachel Cruze Show âź ter.li/n2u6jc
đŒ The Ken Coleman Show - Highlights âź ter.li/1rbjr2
đ EntreLeadership âź ter.li/ktxv2k
Ramsey Solutions Privacy Policy
www.ramseysolutions.com/compa...
Get life-changing financial advice anytime, anywhere. Subscribe today: czcams.com/users/TheDaveRamseyShow
The Dave Ramsey Show dude your a genius
Every time I would get hasty in my younger years my mother would slow me down and tell me " you build your house from the bottom up". I would ask her where she got that and she said would tell me it's in the Bible. Don't know if it is true or not but it helped me out in life.
Im 20 years old and you have completely changed my way of thinking and opened my mind for the better. I'm very thankful to have someone like you give me advise. Thank you !
Couldn't have argued for marriage equality better!
Great content Dave, really appreciate your wisdom
One of the most common regrets is that people didnât start educating themselves about finance earlier. Best time to plant a tree is 20 years ago - second best time is today!
I recently started educating myself more in finances. Happy that I started at this age (19)
My regret is not having any ambition towards any specific job or any amount of money earned. I still don't.
In the past few years Iâve transformed my financial situation through real Estate Investing and am nearing financial freedom and millionaire status. My only regret is that I didnât start sooner.
smileyfacehead youâre way ahead of most people! Congrats!
RAM Real Estate Investing good work!
My dad wanted me to start watching dave (I'm 14) i don't regret anything haha
Zoey HatesPineapples iâm 16 and i discovered him in my recomendation
I'm 8 and I was watching Barney but my dad switched it to Dave
@@MichaelP-ke1tm thats... unrealistic
Great dad! I wish I started this 13 years ago
@@happygenerously6008 No, that's true.....in his imagination.
Married at 18, had a baby at 19, now debt free at 20, with $9,000 in savings, onto baby step 4. I dropped out of high school, and have no college degree. Poor is ONLY a mindset. You have to be disciplined to make it happen for yourself. đđ»
Keep in that âmindsetâ is usually not cultivated at young age which is why age was a large component of the data, the majority will gather this later in life Congratulations on your success and well wishes on your continued success
Facts
Word.... There's big shovel and small shovel.... The harder you work the more money you will have
Thank you for the encouragement. I do not have a degree and am going against the grain by moving out without a degree. Living here is pretty expensive, but you have to do what you have to do.
đđ
I'm 38 and living with my Dad again...but, I'm in school and almost have my degree with no student loans! Dave helps me keep my eyes on the prize.
How are you doing now?
I'm 39 and need a makeover haha. Parents might be involved.
28 years old . Made the mistake of having a kid at 16 in high school . Listen to Dave everyday . His knowledge helped me beat the statistics. Faith and planning . Thanks Dave âŒïž
I think I was still playing with hot wheels at 16 đ
That is awesome that your hard work paid off!
@@ChrisMFlorida Thatâs interestingđ
Your burgers are great, by the way
This is why I'd never do a girl
Joe Rogan + Dave Ramsey!!! now thatâs a podcast I could listen too for a few hours! How are we gonna Dave on the joe Rogan experience?! Blow up the comments boys!!!
Who?
YESSS!!! That would be great please god make it happen đ
I second this.
I third this
Joe Rogan is overrated. I don't care about what some hot headed jock who used to run Fear Factor 15 years ago has to say.
My husband is 26 and I am 22. We have 2 kids and one of the way. I stay home and my husband makes 90K a year. We started budgeting and paying off debt 5 months ago. I'm so happy a coworker mentioned you because I can see the end of the tunnel. Can't wait to see where we are in 10 years đâ€ïž
You stay home but have a coworker?
My favorite Dave Ramsey rant is the "beans and rice.. Don't step into a restaurant unless you work for one"... Dude says that to anyone who needs money advise, it's hilarious
Way back in 2011 I was a tech entrepreneur, it was a *very wild ride* from zero to hero aaaaand back to zero and below.
As soon as I could stand up I went to work at a small bodega pushing boxes around. Then I got a better job, so on and so forth.
There's no shame, everyone should understand that, even if you have a degree, and you "acted rich", you can pull yourself back up if you humble yourself.
(Now I'm doing very fine, and probably I won't have to move boxes around ever again).
*advice
We millenials here đ paid off 65 bands of student loans and 18 000 car in 2.5 years. On 55 000$ to 70 000$.
Saved down payment Bought a house with 25% down on 15 years and our goal is to pay off in 5 years. LETS GOOOOOO.
Income is much higher now đ€Ș i stay home with the kids during the week and work weekends got 3 side hustles
Thats awesome
@@Gambit8121-i7v Thanks so much đ
I bet you're a good mom and that your kids will do well.
Wow, you really donât spend a lot of money. Impressive
Dave you are the greatest.... since I started listening to you in six months I paid $60000.00 now the only debt is my house. Thank you sr.đđđđđ
how on earth did you save up 60,000 in six months?
Could have negotiated some debt too not just shelled 60k
Or like many sucess stories in the show they make six figures lol
Beans and rice đ jk jk
đđđ
Dave used to be third or fourth in the radio world... now heâs taken over the podcast and CZcams world as well. All without changing much from what they were already doing. Genius.
Iâm 36 but Iâm pretty much a kiddo where money is concerned đ thank you for helping me change my life around.
Iâm 22 and worked two jobs and paid off my school! All by listening to Dave and sticking to a budget!
Dave is like a father figure! I love this. He seriously makes me want to live my life in a better way for me and for God
God wants to provide for you as his plans are to help u not hinder u there's a verse that says something along these lines in Proverbs!
@@manuelafroesemitch4872 thanks for the encouragement this morningâ€ïž
I found Dave through CZcams and his teachings have changed my life!
No, YOU changed your life. Dave just showed you how.
Me too brother!!
@@MrStevile well actually he said Dave Ramsey's teachings changed his life, so his comment was accurate.
@@MrStevile Amen! I've more or less followed most of Dave's principles so far, but he's given it a great and clear system and methodology to follow.
@@Jemgirly Good catch, didn't see the "teachings" at first. My brain/eyes auto corrected it to what I thought he was saying. lol
Iâm 19, Dave Ramsey is the greatest. Starting off debt free. House down payment incoming!
Dave Ramsey is a great first step. But he is a fundamentalist to make his advice simple to follow. Graduating from him to more nuanced data driven advice is an important step.
You will also be a guiding beacon for those around you. Goodluck on your journey!
Norwegro! LET'S PLAY great job
Based on Daveâs teaching, Putting a down payment on a House is the exact opposite of what you should do. You would be getting yourself into debt
Devin actually a mortgage is not against Daveâs teachings. He is not against them as long as you put 20% down, and take a 15 year fixed rate mortgage that isnât more than 25% of your income in payment.
I was 23 yrs old working 60 hours a week, made 70k, but had 14k student loans, 3k credit card debt. My boss let me borrow his truck and dave Ramsey was the voice on the CD he left.
Now I'm 30 and worth 600k. This stuff works. And most of it is what used to be known as common sense
Parents taught me all this before I even found Dave here. If you want it work for it, first car bought myself cash, used. College worked part time partial scholarship, didn't finish, but was debt free when I left. Live below your means, save, no credit cards.
Your so lucky ! My parents taught me nothing about anything.
My parents also taught me to live below my means. When I've explained it to friends, they act like I'm talking gibberish.
Dave, Iâm a theistic agnostic who has followed you for years. (And yes, Iâm one of the âkiddosâ that discovered you here on YT when I was 21; Iâm now 24.) I loved what you said about how oneâs moral code is inherently spiritual, no matter what set of faith beliefs (or lack thereof) it comes from. Your principles are applicable to everyone, not just Christians. Also, you have the right to express your beliefs through your work since this is still the United States!!! If the haters donât like it, they donât have to view your content!
Thanks to you, I have a plan for my future and have gotten rid of the victim, âlittle guy canât get aheadâ mentality you mentioned here. Thank you for everything you do, and those of us who seek wisdom will always appreciate our âboomerâ Uncle Dave. đ
Lol Very nice comment it was so nice that the little Boomer Uncle Dave comment was funny! Lol
Excellent
blueowl89 how funny. Iâm 33 and I refer to him as uncle Dave as well.
@blueowl89 My story matches yours almost a 100%. No regrets.
I hope you find Jesus :)
My face has saved me from having a baby too early
đ
@Full Tilt Boogie Stay strong and love your family... in 20 year you might be free again and still young!
Full Tilt Boogie you could of pulled out bro donât blame the looks lol
Me too!
Blessed
I had a kid while in college. Married his mother, we have a second kid (daughter), I am a musician, and I make a lot of money xDxDxDxDxD, and thanks to Dave, I have wealth. Thank you Dave for existing!!! An thank you for sending me your book thought your friend Scott Hunt :) he did a cruise in Portugal where I play everyday, and we talked a lot about you, about how your teachings changed my life. I just donât get tired of your videos, everyday I see at least one video, it fuels my spirit đđđ god bless you
Dave thatâs very offensive, Iâm 21 living in my mothers basement, not 22.
đ
LOL!!
Some days he would say that is financially smart. Today he's making fun of it. Interesting
@@brandoncorttt đđđTrue
And I'm 37 living in my sister's old room with elderly parents. But I haven't slept there in over a month.
Well Dave, Iâm a 26 year old single mom and a home owner making almost 6 figures!
You can break statistics with hard work and determination.
Making six figures doing what?
Oh I hear a MLM sales pitch coming! đ Yes honey, there are small percentages of people who are not in poverty but the chances of most people doing that are slim.
N B are you upset Iâm thriving? You sound bothered!
thats good. but ramsey is talking about a roadmap to success for the general population. that having children after your married, and getting out of debt before your married, while not having children out of wedlock is the easiest pathway out of poverty and into financial independence.
glad you are a exception to the rule, but know you are the exception, not the rule. those who dont follow these guidelines tend to drain the welfare system who are a burden on society.
Soaring Grasslands Iâm not dense i know that! My comment was for people who arenât following the road map and are watching this can see itâs 100% possible if they truly want it!
Iâll start a new rule! HARD WORK beats any statistic!
Iâm 17 Iâm confident Iâll be a millionaire by 25. Thanks Dave, Ben, gram, dad, the advise is priceless. Learning from others mistakes is one of the best tools.
You can do it. Stay focused. Good luck!
I wish you all the luck in the world. All i can say: i have yet to meet a rich guy that is nice...
Millionaire by 20
21 and I'll be a millionaire by 17
The truth is the truth and some people don't like the truth because it does not align with their lifestyle.
Iâm 33 and my mom lives in my paid off house.
You are a good man.
Impressive
How ?
Can't she get her own place?
And pays you rent?
Thanks Dave Ramsey. I'm not Christian, but I do feel like it's a mistake to believe that we have nothing to learn from religious people / those who have a different moral code.
Yes you can learn something..but maybe the religious people should try to be a better example and not be too preachy...turns some people off if you are too preachy and a hypocrite.
Good comment. I'm like you but different because I'm Christian but also recognize that I can learn from non Christian's
@Someone Andnoone How about Christians like yourself quit playing the victim. Fyi, she said "religious people", religious snowflake.
I'm not religious, but I love Dave Ramsey. We don't have to agree on our religious beliefs for me to know that the man gives sound financial advice.
@@jenh9426 I'm a Christian and this is true. We'll try harder to improve. We're not perfect
The only time somebody should be spending money instead of saving it is because they are terminal. My wife was in her 30s and was diagnosed with stage 4 ovarian cancer. We knew she would only live a few more years so she went and did whatever she wanted. I told her I would fix the finances later and I did, thanks to Dave Ramsey
I'm an atheist but follow the Ramsey finance principles.
Math doesnt belong to any religion
@@Quarantina237 Most tithing is basically membership dues to a religious themed country club. Banging music, coffee cafes and short term poverty themed vacations to already Christian countries to build things that skilled workers have to redo isn't always the best idea. Some funnel money into antigay groups too. You can be charitable in other ways that may have a much higher impact than local congregational giving.
Same
yeah same here, these c=bible stuff isnt all that annoying,
Iâm agnostic but I love your vids Dave! Thanks for sharing your knowledge and helping so many people win!
Man I wish I would have discovered Mr. Ramsey and his teachings 10 years ago! If I had the mentality that I have now, thanks to your book and videos, I would be doing even better. The good news is it's never too late.
I am South African and I have saved emergency funds worth ZAR 26,000 which is equivalent to US$ 1,857! My next step is to get rid of all debt. I can't wait for my debt free scream. Dave is a blessing all over the world.
Good job, Nozi!
Because you are a Christian,straight shooter and sincerely care about the Americans and their financial peace, I am continually lifted by your instruction. But I am turning 50 Sundayâ so Iâm pretty âold fashionâ toođ THANKYOU Dave and co! Jolie Northern California
Your best video yet Dave! Preaching the truth without really even preaching at all. What a respectable man! Iâm with you, Jesus is awesome. People think that being Christian means cramming the Bible in someoneâs ears and never messing up. The church isnât full of saints, itâs full of sinners at the doctor. Us Christians just want others to experience the joy weâve found. And boy what a joyous ride it is! You do an awesome job of fitting Christ into your message and still getting people to stick around to hear it. Love what you do!
My son is 6 and knows who Dave Ramsey is and told my 8 year old nephew that credit cards are bad lol
Dee A. Credit cards are not bad. Buying items that you canât afford is.
@NurturingTalents
I think about every purchase I make lol. I have a calculator in my head and decide if something's a rip off or not.
Dave Ramsey honestly doesnât think credit cards are all bad, but he preaches not using them because he knows MOST people donât have the discipline to use them properly. So itâs better to just not have them at all.
@@ssp287 I explained to him that's what a credit card was. Buying something with money you dont have
We love our credit card. We donât buy any extra because of it and use the point perks to roll into the debt we have. It consolidates the money going out and always gets paid off. Never paid interest on it. Has skyrocketed my credit score and maintains it. As soon as I call them up and cancel it I loose points on my credit score... no thank you!
I'm 30, I have been watching you ...I'm not very religious....Absolutely dont mind it, and will pay for financial freedom course soon.
Dave keep up the good fight it is who you are. My wife found you ten years ago on AM radio. You saved us we were deep in debt nearing seven figures. We hope you pick us for a debt free scream. We flipped the script from deep in debt to everyday millionaires. I listen to you on two different AM stations in our area back to back one starts at 12:30PM and the other at 3:00PM the 12:30 show is a repeat of the day before show thatâs on at 3:00. Listening while working in an out of the vehicle and driving home. Thank you Dave,
âThe little man canât get aheadâ. thatâs a belief. so true. and so foolishly wrong.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
@Susan8765gr However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments...
@Susan8765gr Judith Ann peace is her name.
Lookup with her name on the webpage
@Susan8765gr You are welcome .
32 years old and started listening to Dave here on CZcams 2 weeks ago, cut 3 cards and My Mindset is Transforming by the day # Grateful
My husband was 17, I was 16 when we had our first baby. We had four kids by the time we were 25. We went to college, both have bachelors degree and make high middle class income.
We have just a house and car for debt. Weâve used Daveâs method to find a way to save as our parents are all on social security and never held a job for more than a few years. They are all great people and we love them dearly, but we will be caring for our parents in their old age.
Thank you for teaching us what our parents couldnât.
As someone that's agnostic, I don't care about the religious references that Dave makes in his shows, and I just brush past it. It doesn't affect me one way or another if he quotes the Bible. It's the steps that matter to me and I already have the knowledge I need from his book, but I just watch the videos to keep me determined and inspired.
Same. Glad to see many of them on here being pragmatic and picking what's really on offer here!
đ
đđŒđđŒ
Same here.
I thank the Lord that I found Dave here on CZcams! It's a real life changer and plus I continue to listen so I can stay Motivated and stay on track. I CAN DO THIS! I learn so much and thank you for the callers that are brave enough to call and tell their story. Most importantly THANK YOU DAVE đ I APPRECIATE YOU!
People that hate Dave donât understand that he wants you to succeed. His plans and tools work
Dave is such a wise guy, love the show.
I'm in Kigali, Rwanda and starting with Dave. I can't wait to see the results!
Karibu inshuti!! :)
That's awesome!
im in South Africa..shout out!!
@@nozewu me too đȘđȘđżđŠđżđŠ
@@nozewu Hi there Nozewu!
Iâm 22. Grandma recommended Dave to me. Helpful. Found his podcast on CZcams
You are fortunate to get clued in at such a young age!
Dave, you are 100% right on this topic. I lived like you teach and I made sure my children lived the same. We all own our homes and are out of debt and live well. Those that tell you you are wrong are doomed to struggle their whole lives.
I started watching Dave on youtube from the get go, the channel didn't get many views and I couldn't believe it, I was worried. But now that the youtubers have caught on and are watching and listening I am relieved to know that people are getting it. There are alot of great minds watching this channel.
Iâm recently turned 22 and Iâve been listening for about over 2 years now. Youâve helped so much! Thank you
I like the facts and data as a mMillennial. Iâll be done with BS4 this year.
That's awesome đ
Congratulations!
BS4 is contributing 15% to retirement. Assuming you mean you are starting that or else are financially independent. Either way, congrats.
@Diamond Toles
Pray, what is BS4?
@@ArmageddonIsHere baby step #4.
So very true! I went to college and got a bs degree in finance, so in my ignorance thought I knew everything and still didnât get my finances to a true positive net worth until I humbled myself and finally did the Dave Ramsey plan and got some self discipline and connected it to my faith journey! Just 2 years left of bs6!
âWe become what we think aboutâ - Earl Nightingale
Dave you are giving me LIFE!! Thank you for the wisdom you have shared!! Iâm 36 & am
NOW a loyal listener!
This was an awesome word: Belief dictates behavior.
Is so true!! My wife and I we was in debt 8 months ago, thank you God We stared listen Dave Ramsey and now We are debt free, but decisions are our, like he said he only teach us how!! Feels so good!! GOD Bless you Mr Dave đđ»đđ»
My parents listened to Dave when I was a kid. I randomly found him on CZcams a couple months ago and was like, heâs still around!
Why canât my aunts and uncles and old ppl around me be HONEST like Dave!
I love watching Dave, he gives great no bs advice. Iâm a young watcher, and I believe in science, not cults... but itâs about respect. Respect Dave and HIS show. If he wants to be religious and share his religion with his viewers then that is fine with me! If people have an issue with religion, they can watch something else.
I agree so much Dave! đđŒ I'm 23 and I didn't start winning with money until I changed my beliefs about money! đŻ
Dave, i was in Brentwood and drove by your headquarters and a friend of mine jumped out the car and demanded for me to take his picture infront of your sign lol (he lives in Alabama). I became curious of who you were and then became hooked on your financial wisdom. Been watching ever since!
Coming from an atheist I have to say this was extremely well worded and respectable. I don't believe in the bible but that doesn't mean it doesn't have good lessons. I have so much respect for Dave and his openness to talk to anyone and help anyone regardless of their personal belief. Thanks for the advice throughout the years and I'll keep returning for more!
Dave Ramsey is a Super Hero in my life. Ever since a cousin recommended The Total Money Makeover, my whole life changed. Hopefully one day I will get a chance to shake his hand and tell him thank you face to face. â€ïžâ€ïžâ€ïžâ€ïž
Some of the things you said about the beliefs you mentioned was me.
And it is people like yourself making videos like this that help me to realize those mistakes so I can keep moving forward to a better future.
Thank you very much for what you guys do
I'm a Christian and your videos happen to appear on my CZcams feed. I've never searched anything to do with finances/budgeting etc the day after I found your videos my husband went to church (I'm at home sick) and what was said was about 10 year plans, your walk with God, your financial plans etc needless to say I believe this was from God giving my husband and I a wake up call. Also before this happened I could never talk to my husband by about finances etc but now it's all we talk about. Thank you for your videos!
I agree the âold fashioned moral thingsâ are so important. I believe in them heavily and I love that this is here for people to see
Cheers to the other âpuppiesâ out here!!
Represent!
Hey girl heyyyyyyy
I found this channel on CZcams. Changed my whole life how I looked at money. For that I'm truly grateful, thanks Dave and his team.
I believe that research 100%. My sister is impoverished has three children and never got married. She is stuck in a Perpetual cycle of poverty especially since she has no education in the side of school wasn't important after having her first
Great advice Dave. Also I wanted to mention, and you've said it before, that taking money out of your retirement plan doesn't usually provide you with the level of pain necessary to change your lifestyle and spending habits for good. There was not any pain in earning/saving that money because it was such a small amount or matched over time. Most people go back in debt when taking short cuts. Take his advice, it's really simple and is stuff we all should have learned in high school if not taught by our parents
Boomer!!! Lol we Millennials love you Dave ! Thanks for all you do !
Mr. Ramsey, âbrother if you donât keep spreading the that you believe in and know to work alongside with you doâ đ I wouldnât even repeat what others say. Your doing great work keep sharing that! âđŸ
Iâm 31 I wish I couldâve found a channel like this one way before my age I will be a different man today. Thank you MR RAMSEY God bless you for this information
Thanks Dave Ramsey. I love what you've been discussing and teaching here. I will be on my way to financial freedom, to be able to generously give those who are in great need. God bless and more power to your show!
I found your channel about 4-5 months ago, funny thing is I never heard about your baby step but I just somehow planed and doing things every similar to yours. Our plan was not that perfect but I just knew that if I can make more than I spent I world be at least on the right track.
I'm at the every end of 2nd and 3rd step (I need to do 3rd step along with 2nd because I'm biz owner and I need cash flow to keep it running) with almost 100k saving. I worked for at least 70 hrs a week, buy only 2nd hand cloth and shoes, live below the mean, do everything we could for 12 yrs.
If I found your channel earlier I believe I will get to this point a year or 2 earlier. But at least I know the direction I need to take from here. Love your channel!!!
Keep prayers or scripture in your show Dave we need this also !
âOld-fashion stick-in-the-mud Boomer!â
đ WHY DO PEOPLE HATE SO HARD?!
đđ
People hate because they are jealous. Boomer is such a lame term
People are buying into the millenial liveral yolo life style. I want me a conservative man to build a successful life together.
@@EAAAA1505 You are correct
I'm 25, live on my own, and am non religious. You can dave ramsey with out the religious part. Instead of tithing when I get out of debt I'm going to donate to a animal shelter.
Virginia Kingsford Dave is a Protestant and I am a Catholic, but he has helped me a ton.
Well stated. You can most definitely follow Dave's principles without necessarily imbibing the religious part.
Follow the data, not the dogma.
@Somewhere Down The Road
You don't have to follow either the Bible or any religion to know that Dave Ramsey's principles of *saving* are sound. His *investment ideas* ? That's a different matter, and I disagree with some of them, such as his absolute refusal to take on *any* debt.
Debt, like alcohol, by itself is not inherently good or bad. It all depends on how you use it.
@@ArmageddonIsHere Yep and I'm sure that Dave himself knows that not all debt is bad. However, very few people have the discipline and the knowledge to use debt to their advantage. I think that's why he teaches against it. If he didn't, there'd be somebody calling him a fraud because they would insist that they followed his advice and wound up filing for bankruptcy when in fact somewhere along the way they messed up.
@@misspriss2482
Yes, you got a point there. Not calling Dave Ramsey out, but just saying that listeners need to use their own brains and judgment too.
I preach this to my parents and especially my mother even before I discovered Dave Ramsey ( I had a teacher who tough almost the same thing just not biblical ) some people just canât be changed and admittedly I let my family influence me even tho I knew better and now Iâve learned the right path ... some times things take messing up and some times people just donât learn and some people just donât want to while the rest of us smell the rat đ Dave should talk about kids being afraid to go this way while being influenced by their parents to go the normal route it would help millions!
0:59 I am screaming. He really said thatâs 100% accurate and laughs because he knows he is winning
As a millennial, I completely believe in his approach. I especially like the 'snowball' method of paying off debt, specifically student loans. I've already paid off 3 small ones and feel like the rest will be easy! Thanks!
Dave, thank you!! đđđYou have given me the courage to face our 170K debt!
We will be debt-free in 30months & I will be on air for our debt-free scream! #debtfreecommunity
I am an islander.
Love the way Mr Ramsey preached about biblical principal in how to spend give and invest.
Also he encourages to pay off debt first.
Onced our aunt says" PLEASE LIVE WITHIN YOUR MEANS"
This one was more like a sermon...and an outstanding one at that. I think this is the best podcast I've seen him do!
I enjoy watching Dave Ramsey show, lot people need to hear from him. I remember 35 yrs ago you wonât be allowed to date a lady or ask for marriage proposal until he has a job or well settled in his career.
Yeah right, people were popping out kids at 16-18. They had no idea what they were doing.
A young friend of mine had to save $30,000 and have a good job before he had parents' blessing to marry his girlfriend. They are doing well now! Good discipline and commitment.
Married mother and father is the key to a child's success end of story.
I believe a stable household is the key to a child's success. My parents were never married, but at no time during my childhood was I unaware of the rules. I knew I was expected to go to school, get the grades, get a career, be independent. My dad isn't particularly religious, but as a child he told me if went on welfare, he would disown me. He loved me and made sure i knew it. Stability, love and good values are what matter.
Hi Dave, thank you for your show, you've changed my mind about finances and marriage.
I'm glad the CZcams channel is able to reach all the young people like myself. Thanks Dave.
People don't undeestand "doing things in order" is not just a morality stance, but an ECONOMICAL one! Most that don't do things in order, suffer at some point.
Gen Z : Dave your just an old fashioned stick in the mud boomer!
Dave : Duh!
Me : this man 100% deserves his cult following đ
Not a very successful cult leader. He teaches people to keep more of their own money, and to be self-reliant and disciplined in their lives.
Iâm Gen Z and i think Dave is great
Thank you for properly identifying the generation - a lot of people use "millennial" as a catch-all term for all young people, when in fact the oldest millennials are almost 40. We're not kids. ;)
Cult your actually stupid and broke
âPretty agnostic except for its conclusionsâ
Beautiful!
Wish I found you when I was 9:) lol now Iâm 27 and Iâm finally saving . We all live and learn and growing and paying off our debt :)
*his shirt matches his cup* he planned that
Black Vito - Moneyology he always has that cup tho
@@kevinyoung947 đ€ keep that between me and you
@@Je.rone_ Good eye young man! đ đ
Had to lol
@@kimoramicheal8353 đthanks đ
Iâm atheist and still appreciate Dave and this channel. đđ»
I'm agnostic but leaning towards atheism but We're just pragmatic about it. That's why we appreciate what Dave has to offer.
Congrats, Dave. I have learned quite a bit from you and you have clearly blessed many lives. Financial freedom = life freedom.
Rachel doesnt know how blessed she is to have a dad like you. BLESS YOU Sir.
I'm sure she agrees lol.
My girlfriend walked out on me because I refused to have payments. I stuck to my guns and it cost me a relationship. Iâm still deciding if it was worth it
Well, as DR has reported the #1 cause of divorce in America is money fights .... seems to me you just saved yourself a lot of heartache later down the line - so ask and divorced families if they had to do it over ...? . (also an old boomer)
cl west I appreciate that
dan cussin I appreciate that thank you
This is a large thing to disagree on. It would have severed your relationship sooner or later. Itâs probably best that it happened sooner, even though I know itâs hard. Take care and best of luck to you in the future.
Glad you dodged that bullet. You'll be better off. All the best to you!
Wow, Dave is a CZcams star... I never thought I'd utter those words, lol.
Iâm 22 and I love listening to Dave Ramsey. He speaks of a philosophy I already had before I started listening to him but he helps me actually IMPLEMENT that philosophy into my life and behavior. I recently graduated college, am about to get married and buy a house and have $25k in savings. Itâs all hard work and living below your means. Itâs all about driving an old car and cooking at home and not going to expensive vacations.
Dave is extremely wise. People who disagree with his philosophy of financial independence are the ones that refuse to live below their means and refuse to give up things that give them instant gratification.
I really appreciate your advice, Dave. I've come to the realization that you are explaining the system, and how to be successful in it. I can imagine many young people are fed up with the system, per se. That may be where the angst comes from.