Never Again! Start Being Smart With Your Money!
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We lived like no one else for the past 4 years, paid off over $110,000 in consumer and student loans. We are down to $14,300. We are on fire!
Right on!
Keep it up!đđŻ
congrats!!! proud of ya!
Keep it up!!đ
I can totally relate. Congratulations
Raised in poverty and that was all I knew, never again! Iâm 19 and I wanna change my family tree!! đČ đ°
You can do it!
Update?
Update?
He probably so broke that canât afford internet anymore đ
@@HNLKP Get your negativity outta here my boii đ€Šđ»ââïž
35 years old. Over 250k in savings. Debt free except house. Will pay off house soon! That's the goal. Hoping to become a millionaire by 41 years old! Thank you Dave!
JellyBean Mochi Thats awesome!
JellyBean xo show off
Pay off your house with the 250k saved
pay off your house with your savings!
Jorge Pulido Valadez sounds like someone's Jelly
I wish they would teach all this in high school... The USA would be a better place..
gil mendoza they taught Dave at my high school, funny thing is no one paid attention and after the class was over on graduation a couple of people threw their book away.
I was never taught the world is unfair, but I was told the world doesn't revolve around me and my opinions don't amount to statement of fact. I wasn't taught everyone was a racist, I was taught about racism, I did experience racism here and there by both black and whites ( being interracial you get that sometimes). My worldviews is overall still positive. I don't care what bigots do, as long as they aren't signing my paycheck, and even if they are they are still paying me, so I still don't care. Not everyone born in the 80s or are of the millennial generation are self absorbed trophy seeking entitled spoiled brats. As a matter of fact, LOL millennial have to be crafty in order to make ends meet as we are more in debt from school loans, which has nothing to do with being taught about the world being unfair and full of racists. Its all good, most people are trying to ignore bigots and racists and become successful. Don't let the media hype make you believe that all liberal thinking people think bout is avocado toast, racist and unfair world. That is far from true. I like Dave and he's a conservative. I value his opinion because he's successful!
How to manage your money should be taught in every school worldwide. Most importantly it needs to be taught to those from poor families
We did a mock economy in a class when i was in middle school. Guess who took everyone's money?
jakefmxrider Who? đ€
$44 K in debt back in 2008. I said "that does it !"-" No more borrowing !" By Autumn 2009, I screamed "I'M DEBT FREEEEEE!!"
FANTASTIC.
Please keep it that way.
Stay strong and stay blessed.
It's wonderful especially now eh?
CongratulationsđŸ
Wow! Well done!
Congrats!
Started listening to Dave at 22. Iâm 25 this year, married mother of 2. Homeowner. Gonna be debt free except my house by the end of the year. So grateful for Dave đđŒ
Yay!
Whatâs your income
@@ryanthepianoman27 Our combined household income is just under $200k per year đ„°
@@tara26777 nice that means you don't have to sell the kids
Never Again!!! Iâm on baby step 3, I can not wait to be a millionaire and start giving. Thanks for everything DaveđđŸ
Akeology Shea butter Congrats! You can do it. Keep chuggin along!
Akeology Shea butter. You don't need to be a millionaire to give.
Akeology Shea butter ki
Congrats im glad to see this. I am literally on day one of our journey. But one day I'll get there
Steven Bosley how are you doing??
"As for me and my house, we will serve the Lord" Amen!! Hallelujah!! Same for my house, Dave! Thank you for your wisdom! May God continue to bless you, your family, your listeners, and your haters.
La Queena Warren đ
When he said that I reacted with an Amen! And took that for my family!
I really wanna improve my life. I wanna never live in poverty again. I was raised in poverty. Tore up shoes, nothing to eat, lights cut off. I am currently 26 and living in poverty. I will work towards being debt free and wealthy. I will not have kids who live in poverty. I wanna get out of this so bad. Sad part is I dont know how. But I will make it
Praying for you!!!!!!!!
thank you so much I will be needing it
Praying for you as well. I'm sure you will figure things out, you'll make it.
What options do you have for increasing your income? I would definitely consider mowing lawns, delivering pizza, or washing windows. You can boost your income through that
You need a plan, not just the will (though the will is an EXCELLENT starting point). Keep paying attention to folks like Dave, you'll get there. Is there anyone in your life you know to do well and have a good head on their shoulders when it comes to this stuff, maybe someone a few decades older? If so, maybe they would be happy to guide you a bit if you expressed an interest in learning how they do what they do.
Im going be on that beans and rice diet that ramsey talks about. Luckily im mexican thx dave
He doesn't mean this literal tho. It just means to live below your means/income
Iâve found that Ramen Noodles with some spam is a nice lunch to change things up for cheap
Stoppppppđđđđ
@@dawgfansr7814 you might as well eat salt đ€š
đđđâ€ïž
NEVER AGAIN!!! The colĂłn family tree is changing.... and it starts with me.
joseph colon God Bless you in your efforts.
We got this! I love you! Our family tree is changing!
Take extreme ownership!! Good deal Joseph
joseph colon where you from man
Innuendo Hazbarz Very clever, innuendo.
I wish I could've heard you when I was 22. You're awesome Dave đ
me three
yesenia rebollar - me four.
yesenia rebollar how old are you now
Same!
Being broke is terrifying!!!đđâ đ.Sooooo..I save!!!!!!!
Me too.
"Never again" moment should be Baby Step #0. I need to HATE my situation before I change it.
37 years old... donât come from a wealthy family, never had a good paying job until now. Finally on the way to getting out of debt and saving for retirement. Only debt now is mortgage which will be paid off in 6 years!
I agree with Dave 100% but most people will never behave with money because we live in a society where image is EVERYTHING
I had a coworker tell me her husband, who is an attorney, bought an $80,000 Mercedes to maintain his "image". The more she talked about this car, which is in the shop, the more I laughed. My brother in law is a corporate attorney and drove a 2002 Nissan Altima for 15 years.
My co worker told me today it is difficult to maintain the image when you are broke. And I asked, why would you want to maintain the image instead of saving money, investing money, and eventually becoming a millionaire. She stopped for a second with her mouth open, then said. Well you know, I am a business major, I gotta maintain the image.
And I said, you will continue to maintain the image until you go broke. And she said, well, I will never go broke and maintaining the image is very important.
I just giggled and laughed inside as I continue planning the next 2 years of my financial future in my head. Hahahaha
This is the biggest problem in the world today. People need to understand that when you are legit broke who are you trying to impress anyways? Buying things on credit more than one can afford is not how someone maintains image it's called looking STUPID!
@@TechEngineerSchool that's what's sad people are wanting to keep up with an image rather than live in reality and focus on what matters. Those trying to live up to an image remind me of those living a fake lifestyle on Instagram.
And being irresponsible seems ârewardedâ in American society.
Thereâs a reason that God led me to your videos, Dave! Up until a week and a half ago I had no idea of how much your program can help people and help my husband and I. This week my car broke down and Iâll likely have to get another car. Iâm so thankful that I know I donât have to borrow money and go into more debt! Thanks for all you do, Dave! We are in the process of starting the baby steps and Iâm so excited for this journey :)
I feel the same calling from God Jamie! Got on Dave's plan beginning of 2015, down to just my student loans then. Was told from the Dept. of Ed. it was going to take 25 years to pay them off. Nope, got my starter emergency fund in place, then jumped on Baby Step 2, and got rid of em' in 2 1/2 years! Now on Baby Step 3 and barring any true emergencies, should have this step completed this summer! God is truly blessing you and your husband Jamie and I wish you years of happy bliss and prosperity as well!
Never again! I am in my forties, in poverty, with kids, the student loan debt I thought I'd never pay, but now I see the way out. Things are changing now! Thanks to Dave for the hope to win this battle!
Howâs it going?
I needed this I will be working for my Last name no longer my first anymore
Wow, that really hit me to be honest. Rather than looking at just myself. What of I looked after my families name....Thank you for putting that in perspective that I understand. I'm at 16k in debt
9k is student
6k is car.
At 49k a year. I WILL get this done
Folks, this is what it's all about when it comes to money. Changing your family tree and being generous in the process. I'm not a multi-millionaire yet but I'm doing MY part to get there and letting the Lord take care of the rest. May God continue to bless you and your bloodline Mr. Ramsey.
I am 3 months from being debt free. I thank Dave so much. When I got scared on this journey I would binge watch your videos.
so thankful I've heard of you since I was 20yrs old.. now I'm 21 and cutrently working on baby step 2..
Learning my lesson the hard way!! racked up 36k student loan, wife has about 54K and then there are the 34k in credit card debt making only 70k. I used my tax refund to start the 1000 e-fund, and did a budget, and now we are starting the snowball on all the credit cards, then the car, lastly the student loans. Gonna be a rough 7 years, but it's worth being debt free!! Good stuff.
Shawn Brookins you got the right attitude man and that's a huge part of it! Well done....keep going
marderb3 Thanks for the encouragement, I just paid off one credit card today!!! It has begun!!
Why 7 years? You can be debt free in 3 years.
All the best with that.
I hope you get it done even quicker.
Stay strong and stay blessed.
đđđ
"when your dumb and you keep doing dumb things... That's just stupid" lol. Should be on a t-shirt! Very true and also funny
'It's an intentional act to not be broke" "Staying there is YOUR fault" So easy, yet so hard to put into practice. But well worth it!
It's hard, but not impossible.
If it was easy...then everyone would have done it.
Inspiring 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
Hi. Iâve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks
@@Lourd-Bab 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..
@@usDewitt Oh please Iâd love that. Thanks!
@@Lourd-Bab Judith Ann peace is her name
Lookup with her name on the webpage
You really opened my eyes about money
Teach Mr. Ramsey!! People need to know this is doable. Just START!
Im 36ys old and i found dave ramsey 2mo ago and i am soo happy i did! Im on my way to financial freedom
Iâm From Middle east and I find your show a big help for me, God bless you
I was never really in debt, but I'm working to keep it that way. And working to set myself up to retire with enough money to live through the twilight of my life.
*Never Again*
My co worker told me today it is difficult to maintain the image when you are broke. And I asked, why would you want to maintain the image instead of saving money, investing money, and eventually becoming a millionaire. She stopped for a second with her mouth open, then said. Well you know, I am a business major, I gotta maintain the image.
And I said, you will continue to maintain the image until you go broke. And she said, well, I will never go broke and maintaining the image is very important.
I just giggled and laughed inside as I continue planning the next 2 years of my financial future in my head. Hahahaha
I am a living witness of all u just said I'm a single mother of two going thru trails and tribulations and I'm working on financial freedom
Glad I found this video at age 24! Getting rid of car payment in 4 months !
Once said "never again" and that was my turning point.
Never again is a powerful statement. It's just two words, but it's the finality of the phrase that lets the world know how serious you are about your intentions.
I was so broke that I was saving up to be poor.
đđđđđ
Never again will I own a credit card, or get any kind of loan that isn't a modest/small mortgage.
Steven G
Not sure if youâre aware of Daveâs mortgage guidelines, but they are as follows:
The payment should be 25% of your take home pay, and it should be no longer than 15 years, fixed rate.
I left my program of getting a PHD in DUMB all thanks to Dave.
I am 19 and I am going to make sure what happened to Dave Ramsey NEVER happens to me and my family. My college tuition is already being paid for and I am saving up for a starter home. My goal is to become a multi-millionaire by the time I'm in my 60's. I am also planning on investing as soon as I get a full-time job (Probably when I am 21 or 22).
"Start being smart with your money!".
My parents first told me that around the time I opened up my checking account in mid-2007 & applying for my first-ever "secured credit card" in late-2010 & I never forgot it.
Dave is such an inspiration. He's definitely one of the reasons I started my own channel. Everyone needs to get out of debt and change their family tree!
Malayalam films
Dave, thanks I needed to hear that. I say those exact word Never Again. I'm a student, trying to get my degree. I see how the world operate, the only person that need to be smart with there đ° is us, we need to take control of our coins. Thanks, for sharing. đâ€
I KNOW..73 yrs, old and financially fine.. I can relate to everything you say. BEEN THEIR...DONE THAT. Memory is very vivid. Great Video Dave.
You're a hero!!! You've changed millions of people's lives (and mine too)!!
Congratulations from Albania and Greece!!
I have, just this week, been thrown a life line and been able to use legacy to clear my debts and build saving for the first time in 7 years. Dave this video has scared me into never going back down that road ever again
Iâm officially debt-free!!!
Thank you, Dave! Your rants helped me stay motivated!!! â€
Thank you for being so honest Mr. Ramsey. You are the man! May God continue to bless you and your family and your good works.
This....This is the video that brings it all back. I started to tear up and I can see and feel the pain in your eyes. I am never going back to those feelings. They were the worst days of my life. I owe a lot to you, I am changing the direction of my family for generations. Thank you.
I love this segment and all his Rants!!! I keep this on replay and listen to it often because it got me to where I am today. Debt Free and financially independent and responsible. Working on building my wealth! Thank you Dave Ramsey! Thank you!!!!
I'm 21 years old and about to graduate college debt free with a solid job lined up thanks to you, Dave.
Dave, this is why I love you. You haven't forgotten where you came from and you can relate so well to us common, "poor" folks. You really care about people and it shows. Thanks for all you do.
I've been watching and learning. Thank you for all your lessons and cander about money. I'm tired of being dumb. Because of listening to the things you say to the callers, I have started saving. I will learn. Keep posting your videos. They're much appreciated.
What kind of person gives this video a thumbs down??!?
Brett Williams < people that don't know what Dave was talking about.
High school students required to take his curriculum.
broke people
people with PHDs in D.U.M.B hahaha
Brett Williams for real đđ
It's hard when you've found this path and are following with great results, yet those around you have no interest in bettering their finances or future. All I can do is set the example and lead if asked to do so, but folks are too busy buying coffee out every day and then complaining they can't pay their electric bill to consider it. Like Dave would say, "too broke to pay attention". It's all up to them, but it's hard when you've learned better and want better for them as well.
I listen to Dave more than anything. I'm just tired. I'm starting my journey. I'm excited. I've been stupid for 42 years. Enough is enough.
Good luck to you.
Thank you Dave!!!!! I have seen several of your videos now, but this one struck a nerve. When you talk about changing your family tree and how your 5th grandson is covered! Thatâs a beautiful statement that I WILL say one day. After the video finished, we paid off two credit cards to the tune of 1k and cut them up on the spot! Two more cards to go. Thank you sir!! GOD Bless!!
My kids already know that all they get is 4% of $3.6M a year for the rest of their life, their kids life, so on and so forth. i am building at 8% so the other 4% continues to grow and $3.6M will eventually be $3.7, 3.8, 3.9 etc. They know better. The both have degrees, no student loans. Momma paid it all. CHANGING THE FAMILY TREE!
Congates mam
You saved me Dave. I almost made the worst decision of my life and got into a mortgage that would have been half my income with only 5% down. The place would have needed repairs. I was in escrow. I am now out of it and will never do anything stupid like that again. Goodness gracious. I will do this the right way.
Were on baby step number 2 and its taking some time because i keep messing up. Im done with messing up. Im pulling my cash and doing the envelope system since i cant keep my act together. I dont want to live like this forever. Either change it now when Im in my 20s or later when I have a family to care for and worrying constantly.
JayEsmeralda_Plans live like no one else so you can live and give like no one else
Letters to Apollo like Dave says, u have to be sick and tired of being sick and tired đ
Create a vision wall, door or mirror to constantly remind you of your goals. As you cross them off, you will feel so much better as time goes on.
I have not gotten where I am due to listening to Dave Ramsey because I just started listening about a couple of weeks ago but I have to admit, I love this guy and honestly I could have used his advise 30 years ago and would have greatly appreciated it too. This is my new favorite show. I can listen to this guy talk all day and I do.
When my wife and I first got married I knew the feeling. I had student loan payments, I had bought a car I couldnât afford, just bought a house. If it wasnât for working a lot of overtime thereâs no way we could have made it. Now, emergency fund, a lot less payments, and itâs only been three years. Not having payments is the key to being comfortable.
I personally love how down to đ dave is! Real talk. He keeps it 100!
You are literally changing my family tree as I write this comment. Keep doing the Lordâs work, we are all supporting you. God bless you tenfold!
We love you Dave !! Our lives is about to be transformed đđ»â„ïž Thank you !!
Great message Dave!
Thanks Dave my family will change. Starting today!
Thank the lord I've never been in a situation that you described at the beginning of this video. But still you put a tear in my eye, Dave!! It's heartbreaking knowing that so many people have to make those hard decisions like groceries that feed the household OR electricity that warms the household.. đą
Talk about Devine intervention... I ask myself why couldnât Iâve heard this guy years ago!!! I wasnât ready for your wisdom... Iâm 32 years old and still do some pretty dumb stuff but have been trying to improve. I was over 40k in debt 4 years ago and now only 4K away from being completely debt free!! There was some dumb thing I had planned already once Iâm debt free and man did you save me! I actually listen now and accept my faults. I want to fix them, you came into my life at the perfect time. Was Godâs plan all along and it makes me feel so good!!! Thank you sir and to this great community. Buying the baby steps now :)
How awesome. You've come a long way. You're so close to the finish line. Stop by my channel. On my way to save 20k
Never again! Iâm glad I found Dave now that theyâre still young so they donât remember how hard me and Daddy struggled! Thanks Dave!
Favorite rant ever. Iâm feeling very inspired. Thank you, Dave.
I started listening to Dave about 10 years ago. The baby steps seem overwhelming when you first hear them. Just take it one step at a time. I started on step 1 and now I'm on 4, 5 and 6. Suddenly step 7 seems within reach. Just keep going!
I love dave-- tough love with humility and compassion
Dave ramsey is the best thing that could have ever happened to me i mean that with all my heart thank you so much dave and god bless you !
I'm from the Pacific Islands and this is how most families live, paycheck to paycheck, myself included. I'm sick and tired of it. Praising God I found this channel. Time for change. Let's go!đ„
Thank God for this honest man.
I will be eternally grateful for this man â€
I will be debt free soon because of his ministry, thank you Uncle Dave đ
Right on, Dave!
Thank you
You are the best Father Figure to all of us. Thank youđ
Thank you so much for your words, you are an asset to our world
Currently working at a Pizza Hut as a delivery driver while I wait to ship out for the Navy. I've got a car payment, student loans, and a little bit of credit card debt. I've already started on the Total Money Makeover, but this video has reinforced my pledge to not borrow any more money under any circumstance. Thank you for all you've done to help people like me get control and stay in control.
Dave is a living testimony! Thank God for your life and for helping others! đđœ
Dave, you really opened my eyes about money and life in general. Thank you!
I learned my lesson about borrowing money and praise the Lord that it was not a large sum so I could pay it back quickly but after having that feeling of being in bondage and in slavery I will never again borrow money.
Thank you so much for being so honest.
The Holy Spirit stirs my soul through your finacial talks, Dave.
Man, I feel awful because of all the money I haven't saved.
Time to pull my bootstraps up and on and get it together!
Amen to, "NO MORE!" Thank you, Dave!
I have been listening to Dave for 5 years and im finally got thru to my wife. Because she didn't think there was a problem, i will be out of debt in 18 months.
Potentially the single greatest Dave Ramsey video ever.
Dave...ur soooo funny but very truthful. Thank you
The pride that comes with leaving generations of your family wealthy is amazing.
Gotta respect a guy speaking from the heart.
So Much Wisdom Here. Thank You Dave.
This is what I needed to hear, thank you Dave
My parents didnt even talk about money in front of us, so everything we learnerd was by ourselves. Years of heartaches and being broke. It doesnt take long to get into debt yet it takes longer to get out.
So true.
I know that feeling...itâs been 8 years but that fear still causes me to manage my finances with extreme care.
This is my favorite video by you Dave. So deep I felt like I could relate
Great video! Just what I needed to hear. You have conpletely changed mine and my husbands way of thinking toward money and debt. Thank you.
God bless this man ! I love you Dave you are so inspiring â€ïž
Yes thanks for doing your show to help me & others to have financial peace âźïž & hope!!!