What Should I Do With My Extra $7,000,000?

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  • Опубліковано 11 лют 2025
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КОМЕНТАРІ • 976

  • @1jw298
    @1jw298 6 років тому +1779

    I found $1.76 underneath my car seat. Wonder what I can do with my new financial freedom.....

    • @HamiltonRb
      @HamiltonRb 6 років тому +50

      I would invest that whole windfall into a can of Scotch Guard to protect those seats, until some more money falls out of your pocket

    • @terrencefloyd1
      @terrencefloyd1 6 років тому +12

      😂😂😂🤣🤣🤣

    • @alexislane7175
      @alexislane7175 6 років тому +20

      😂😂😂😂😂😂😂 after I was done laughing I thought wait, you know what? You're right... What you do with the little you have, you'll do with the plenty. But thanks for the laugh though, bless your heart.

    • @ScriptureTaless
      @ScriptureTaless 6 років тому +4

      😂😂😂😂😂😂😂😂😂😂😂😂

    • @arleneaugustahair8393
      @arleneaugustahair8393 6 років тому +2

      1jw2 put it in an investment fund! 🤣🤣🤣🤣🤣

  • @boblobster7673
    @boblobster7673 5 років тому +2564

    This is really helpful, I'm struggling in the same way. I have $13 in cash and I don't know if I should invest in real estate or not?

    • @themontephone875
      @themontephone875 5 років тому +28

      Bob Lobster . Should be happy for him.

    • @illsuspect
      @illsuspect 4 роки тому +68

      @Smelly Doo you guys are light weight I've got 2, count em, 2, crisp $20s ready to start earning me interest.

    • @mjking8704
      @mjking8704 4 роки тому +6

      Could invest into some good growth REIT that pays a dividend.

    • @scarpfish
      @scarpfish 4 роки тому +26

      $13 in cash? In Venezuelan currency, you'd be a multimillionaire.

    • @DamianSzajnowski
      @DamianSzajnowski 4 роки тому +2

      Totally! Maybe an index fund!

  • @mkite715
    @mkite715 6 років тому +777

    So glad he called in. I have the SAME problem! :-)

    • @itrthho
      @itrthho 6 років тому +92

      You too. It has hard for us multimillionaire. Glad this guy called for all us.

    • @runituppvrvdise
      @runituppvrvdise 6 років тому +65

      Tell me about it. All this money..whew..don’t know what to do with it all

    • @Andjun5174
      @Andjun5174 6 років тому +10

      Yeah, man all this money guess I will just put it in my fire pit and burn it. It's not like anyone else needs it. Right?

    • @Rooot-username
      @Rooot-username 5 років тому +6

      I don't have that problem because I don't even have 1k to my name.

    • @dubbelzoutrond7809
      @dubbelzoutrond7809 5 років тому +8

      @@Rooot-username yeah it feels good not having to worry about what to do with $7M doesn't it!

  • @full-metal_jacob5858
    @full-metal_jacob5858 3 роки тому +110

    Pharmacist - "We had some good years..."
    Me - "What year did Oxycontin come out?"

  • @windingpath
    @windingpath 4 роки тому +83

    Another person having similar problem is a high school chemistry teacher from new mexico.

  • @davem3708
    @davem3708 6 років тому +574

    If i had 7 million in the bank i would not being calling a talk radio show for advice. We are not getting the whole story.

    • @angel0island0ninja
      @angel0island0ninja 5 років тому +91

      Why not? Dave's advice is free. Someone else will want a percentage of my money

    • @gregg48
      @gregg48 4 роки тому +15

      @@angel0island0ninja because when you hit over a million dollars in wealth, you need to talk to an adviser on ways to protect that money. one who knows your situation, and whom you will pay to do that. A DR-recommended financial planner told me this.

    • @harrisonsevin4803
      @harrisonsevin4803 4 роки тому +26

      Greg G because they want your money... as said above dave’s advice is free and dave is RIGHT!

    • @koleymusic4909
      @koleymusic4909 4 роки тому +4

      Greg G somehow I have a suspicion you aren’t speaking from experience.

    • @tykeboy16
      @tykeboy16 4 роки тому +10

      @@harrisonsevin4803 yeah but Dave only gets to know your situation through a 2-5 minute conversation. It's good advice but a good personal advisor will know your area and situation with much more detail. That's not a knock on dave, just the reality.

  • @lucasballinger3949
    @lucasballinger3949 6 років тому +1352

    Drug store... I mean pharmacy... oh and we have 6.5 million in cash... yeah he’s a drug dealer🤣

    • @Polo22546
      @Polo22546 5 років тому +23

      HILARIOUS!!

    • @eks9225
      @eks9225 4 роки тому +74

      It’s probably a dispensary

    • @lappoo5875
      @lappoo5875 4 роки тому +15

      that one went over my head, can't believe I didn't connect the dots until I read your comment

    • @jjhervey4153
      @jjhervey4153 4 роки тому +3

      @BBD Design Calm down and let people have fun, idiot.

    • @bighands69
      @bighands69 4 роки тому +2

      @BBD Design
      There is more to it than that.

  • @Lisa-w4u
    @Lisa-w4u 2 місяці тому +1517

    I’ve got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend?

    • @Tetsu-p3g
      @Tetsu-p3g 2 місяці тому

      Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. that's why seeking expert advice is essential.

    • @Muller-o4d
      @Muller-o4d 2 місяці тому

      Yeah, brokerage AdvisoRs could make a lot of difference. Bloomberg and other finance media have been recording cases of investors raking in 6 to 7 digits in a space of months. So, I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2020, and the least I returned was $140k ROI, and this does not include capital gain.

    • @Chris-l5t
      @Chris-l5t 2 місяці тому

      I really want to get in with a financial advisor this year, especially as all markets are hitting lows. I don't want to be too optimistic and end up losing everything.

    • @Muller-o4d
      @Muller-o4d 2 місяці тому

      I don't know if I am permitted to go into details here, but mine is Jenienne Miniter Fagan and you could also look her up though I'm not so sure she's taking on new people atm.

    • @Garrett-lo6pu
      @Garrett-lo6pu 2 місяці тому

      She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

  • @JLLJR
    @JLLJR 6 років тому +689

    Humble brag or not. You guys should be taking notes and attempting to understand how rather than complain about first world problems. Don’t you want to have this problem someday too? Complaining is why you’re broke!

  • @vanmasterflash7153
    @vanmasterflash7153 6 років тому +221

    OMG i'm in big trouble. I have $10,000,000 and no kids to pass it to, what do I do? My life is ruined!

    • @yankeemockingbird4985
      @yankeemockingbird4985 5 років тому +11

      I need the momey for my old age send it to me

    • @lenas5613
      @lenas5613 5 років тому +1

      😁😁😁😁🤓🙄

    • @jasonortiz5049
      @jasonortiz5049 5 років тому +8

      I was concieved from a drunken night in a Bar, Daddy I love you, let me send you my transaction #

    • @mmcgahn5948
      @mmcgahn5948 4 роки тому +5

      What did you say, Dad?

    • @superman-zr9ei
      @superman-zr9ei 4 роки тому +1

      Have you tried KarsForKids
      K A R S cars for kids

  • @carscoffeeandmischief
    @carscoffeeandmischief 4 роки тому +47

    Caller: I own a drug distribution center
    Dave: what’s your name?
    Caller: Pablo Escobar
    🤣🤣😂😂🤣🤣

    • @contact2001
      @contact2001 3 місяці тому

      Pablo is laughing so hard he is almost going to die , 7 Million ts, ts, ts…… if it was only that it was probably a bad week then…..

  • @araineacutebrownnurse7315
    @araineacutebrownnurse7315 6 років тому +349

    32 years old married , debt free and a multi millionaire. Some ppl have perfect lives 😩

    • @Reptitude
      @Reptitude 6 років тому +127

      But this guy earned it by running his business.

    • @scottgeoffrey1793
      @scottgeoffrey1793 6 років тому +71

      Apart from the married part lol

    • @cocodakilla
      @cocodakilla 6 років тому +24

      @@scottgeoffrey1793 lol why? He sounds happy and organised and that doesn't come when you have relationship issues

    • @SquidRider
      @SquidRider 6 років тому +3

      @@scottgeoffrey1793 truuuuuu

    • @scottgeoffrey1793
      @scottgeoffrey1793 6 років тому +16

      @@cocodakilla . I think he does sound happy you're right, but I think he will be even happier sleeping with a new hot chick every week. I would be out travelling the world while shagging hot women all the time. That's real fulfillment! ;)

  • @AdrITSolutions
    @AdrITSolutions 6 років тому +812

    What kind of drugs you selling?

    • @OfftoShambala
      @OfftoShambala 6 років тому +80

      Opioids?

    • @timothyjohn9412
      @timothyjohn9412 6 років тому +3

      Rock

    • @OfftoShambala
      @OfftoShambala 6 років тому +25

      @@martin.klouse ALL pharmacies sell opiods, I do hope you realize that.

    • @thomasmackoul6869
      @thomasmackoul6869 6 років тому +21

      Lol he’s a drug dealer who knows how keep his practices “legal”. Good for him though that’s pretty amazing to have that much money at age 32. I’d sell the business and retire right then and there

    • @kjsampson5811
      @kjsampson5811 6 років тому +8

      Opioids baby!

  • @yeshuafeeds8184
    @yeshuafeeds8184 6 років тому +392

    I’d get an ice cream.

    • @benb7727
      @benb7727 6 років тому +10

      Jesus Feeds Ministries Yes. First things first.

    • @alexislane7175
      @alexislane7175 6 років тому +1

      😂😂😂

    • @Wythaneye
      @Wythaneye 5 років тому +2

      ..for every person in town :-)

    • @Mohamedabs
      @Mohamedabs 4 роки тому

      Yup, good idea, you deserve it!

    • @YadavRahul280
      @YadavRahul280 4 роки тому

      Don't forget to share some with me❤️🙄

  • @georgegonzalezsidselrud3817
    @georgegonzalezsidselrud3817 6 років тому +17

    No commercial if one tenant leaves 1/2 your income is gone.
    residential 30+ or so units if a couple tenants leave no big deal.

    • @stubb1qaz
      @stubb1qaz 5 років тому +3

      You are managing repairs and maintenance of 30 buildings vs 1 on top of 30 temporary contracts vs 4 stable and 30 payment schedules that you may fall behind vs 4 that don't cause any trouble.

    • @justinc2633
      @justinc2633 4 роки тому +1

      apartments are commercial, its got the best of both worlds for people with a lot of money to play with.

  • @critterdude311
    @critterdude311 Рік тому +9

    Kudos to this guy. He obviously knows what he is doing with his retail stores.
    That being said, I truly believe people overthink things. I'm convinced people like to overcomplicate their lives for the sake of sounding sophisticated. Personally, I'd throw most or all of it in to an S&P 500 index and never think about it again. Use the dividends as passive income and never touch the principal. He already has commercial real estate from his existing stores and he already owns his own business. Presumably, he owns his house and cars as well. With that mix of assets alone he is already well diversified.
    I know, I know... index investing is so boring. It's not sexy and it doesn't make you sound sophisticated. But it works... and it's simple.... and the longterm track record relative to the risk exposure is second to none. There is 0 hassle factor. You don't get to brag about how intelligent you are. But you do get to enjoy, on average, a double every 7 to 10 years. That's true financial peace, prosperity, and longevity.

  • @juliareadscottishpiperandh4861
    @juliareadscottishpiperandh4861 4 роки тому +14

    This is great advice from Dave. I learnt for myself that the ROI on my own business is much greater than real estate or investing. It's nice to hear Dave confirm it. Even though the numbers are bigger for this caller than they've ever been for me, it's great to hear how Dave would tackle managing that sort of money.

  • @Donnafrank-k6e
    @Donnafrank-k6e 4 місяці тому +324

    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.

    • @Lourd-Bab
      @Lourd-Bab 4 місяці тому

      Hi. I’ve 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

    • @Donnafrank-k6e
      @Donnafrank-k6e 4 місяці тому

      @@Lourd-Bab However, if you do not have access to a professional like Clementina Abate Russo, 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.

    • @Lourd-Bab
      @Lourd-Bab 4 місяці тому

      @@Donnafrank-k6e Oh please I’d love that. Thanks!.

    • @Donnafrank-k6e
      @Donnafrank-k6e 4 місяці тому

      @@Lourd-Bab Clementina Abate Russo is her name.

    • @Donnafrank-k6e
      @Donnafrank-k6e 4 місяці тому

      Lookup with her name on the webpage.

  • @MidnightCravings
    @MidnightCravings 6 років тому +322

    *First world problem don't know what to do with all this $$$*

    • @TommyTombstone
      @TommyTombstone 6 років тому +13

      Where do you think that money came from?

    • @angelika77st
      @angelika77st 6 років тому +9

      Lol.. poor person..

    • @kylercook-TB
      @kylercook-TB 6 років тому +29

      His problem isn’t that he doesn’t know what to do with all of it. His problem is he wants to make sure it’s returning maximum profit. Thanks troll. Bye

    • @meganfaver
      @meganfaver 6 років тому +7

      Midnight Cravings But he worked hard for it.

    • @DeRothschild
      @DeRothschild 6 років тому +3

      So. What's your point?

  • @Veteran2002
    @Veteran2002 Рік тому +102

    It really made no sense to me when he said ''It doesn't matter whether I'm right or wrong, whether the market goes up and down. I'm good regardless''. People are really losing a sh*t ton of money out here. I personally have been buying stocks since the beginning of the year and yet nothing's changed, but I've been reading articles of people still in the same market pulling off over 350k in just a couple months. Its tough out here!

    • @Harperrr.99
      @Harperrr.99 Рік тому +2

      Sometimes, the strategies to stay on constant green in a downturn markets are quite rigorous for the regular-Joe. Matter of fact, they are most successfully carried out by experts who have had a great deal of skillset/knowledge of the market. Maybe you should hire one.

    • @AlbertGReene-p8w
      @AlbertGReene-p8w Рік тому +1

      @@Harperrr.99 Agreed! I first contacted a Financial Analyst because these days, it's easy to buy into trending stocks, but the task is knowing when to sell or keep. That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. I’m currently 60% up in profits just in 5months with my initial capital of $160k

    • @OttoLane-j9z
      @OttoLane-j9z Рік тому +2

      @@AlbertGReene-p8w Please can you leave the info on how to reach your investment advisor here? I’m in dire need for one.

    • @AlbertGReene-p8w
      @AlbertGReene-p8w Рік тому +3

      @@OttoLane-j9z Sure. NICOLE DESIREE SIMON, a well-known person in her field, is my advisor. I got to know her through my wife. It's my wife that has her number, but you could further investigate her credentials and contact her yourself.

    • @OttoLane-j9z
      @OttoLane-j9z Рік тому

      @@AlbertGReene-p8w Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

  • @peter813
    @peter813 6 років тому +55

    I wish i knew what to do with 7,000,000 i have 2 dollars in my bank and my college semesters about start.

    • @BiGMoFFen
      @BiGMoFFen 6 років тому +1

      That’s a late semester dag

    • @leadnsteel1428
      @leadnsteel1428 5 років тому +3

      Hope you get a job while you are atschool. Dont be calling Dave later saying you have a hundred grand in student loans

    • @olivewoo522
      @olivewoo522 4 роки тому

      Get a job delivering pizza 😉

  • @mikekossman5616
    @mikekossman5616 6 років тому +2

    Help a stranger out, Nice to meet ya! Change someone’s life forever! Good for you!

  • @Xanatos_Clutch
    @Xanatos_Clutch 6 років тому +45

    Take that $7M and invest it in several dividend paying mutual funds averaging a 10 percent dividend return. You'll never "have" to work another job again or deal with corporate politics again.

    • @HandsomeSwede
      @HandsomeSwede 6 років тому +1

      Xanatos Clutch Love your videos. You and the Straight Shooter are two of the best content producers in my subscription list.

    • @Datnigromeo
      @Datnigromeo 6 років тому +1

      What are some good mutual funds that you recommend?

    • @leilanidru7506
      @leilanidru7506 6 років тому +1

      Xanatos Clutch answer @tyson turner please!

    • @DannyOvox3
      @DannyOvox3 6 років тому +1

      Exactly. Those 7 million will be 14 in a few years

    • @drunclecookie216
      @drunclecookie216 6 років тому +2

      I'd retire with 7 million... that amount would last me a little over 194 years here in the rural midwest... and that's IF I don't buy a 1 million dollar boat, in which case it would last me a little over 166 years LOL. 1 million here would last me a little over 27 years

  • @brianb572
    @brianb572 6 років тому +155

    Sorry, no way! A pharmacy doesn't kick off that kind of profit where $7m can be amassed in just a few years. Calling BS here.

    • @OfftoShambala
      @OfftoShambala 6 років тому +22

      He only said he paid off the business in 3 years. But, considering he is only 32, he probably did that in 10 years at the most... so it does seem excessive, and I think you are right to question and call BS... but, knowing what I know about the profits there are in the legal drug market, I believe he could make those kinds of returns... maybe it could tell you something about the legal drug business, if what he is saying is true. Think about that next time there is a run for the cure and where the money goes. Where do you think money raised for a "cure" goes? They go to the MOST lucrative industry on the planet. The number one lobbying effort in DC in terms of money spent to influence our legislators come from pharmaceutical industry.

    • @dcamnc1
      @dcamnc1 6 років тому +33

      I'm not usually the naysayer type, but that does seem like a suspiciously excessive amount of net profit for a 32 year old with one drug store. I believe either we aren't hearing the whole story, or it's just bs.

    • @Consciousness317
      @Consciousness317 6 років тому +5

      Scott Cameron Exactly 6.5 off of one drug store. 🤔

    • @GaryFowler2906
      @GaryFowler2906 6 років тому +11

      Brian, exactly. It’s complete BS. NOT to be taken serious

    • @1979wood
      @1979wood 6 років тому +10

      Brian B from just listening to this guy seems like he tried to make stuff up as he was speaking with Dave. Lol

  • @rajbeekie7124
    @rajbeekie7124 6 років тому +349

    I am tempted to believe Dave is being trolled.

    • @marionel7591
      @marionel7591 6 років тому +43

      Yes. It's not the first time someone called saying they have millions and dont know what to do with it. I believe most people who make millions are either smart enough to figure it out, or got financial advisers on speed dial. They probably dont have to call a radio show to get advice. Its probably (not always) some idiot with a dream . What should I do if I .........

    • @oliverallen5324
      @oliverallen5324 4 роки тому +8

      @@marionel7591 Sometimes they're not. Sometimes they want free professional help. A financial advisor of Ramsey's caliber is VERY expensive. Calling in is _free_ .

    • @marionel7591
      @marionel7591 4 роки тому +1

      @@oliverallen5324 I guess that can happen.

    • @speakingtruths4215
      @speakingtruths4215 4 роки тому +5

      Oliver Allen How would they have not sought out some sort of financial advice along the way in the process of earning that 7 million? Your comment makes no sense. Clearly he’s lying. Anyone can call in and say anything. It’s not like Ramsey has this guy’s bank accounts and can verify that he is actually telling the truth.

    • @9doggie12
      @9doggie12 4 роки тому +16

      I work in banking I I’ll be honest. There are people with millions of dollars cash and no idea what to do.

  • @mattthebeast9666
    @mattthebeast9666 4 роки тому +8

    “We had some good years” is an understatement. They must’ve grossed millions each year in their twenties to have saved $7 million in cash!

  • @mlovespring7892
    @mlovespring7892 3 роки тому +3

    Be exstreamly generous! Give and Give! 🙏🙏🙏

  • @thelimeusa5525
    @thelimeusa5525 6 років тому +8

    Commercial real estate isn’t a cakewalk either. You rent to a business for 20k a month and they stop paying it takes a long time to get them out of there. I like Cuban’s idea of having 10 tenants or 10 stocks so you can spread the risk over 10 investments so if 2 go bad your still ok.

    • @OfftoShambala
      @OfftoShambala 6 років тому +1

      Yeah, I like the rental home biz. Even in economic downturn, they are strong. Of course every area is a little different, but in most areas, there is strong demand for rental homes (not apartments) during any economic condition. My parents lost about 75% of their IRA value after the big crash, but they had several rental properties that were bringing in just as much money as they were prior to the crash, and they had MORE qualified renters to choose from. The renters they rented to during that time, stayed long term as they were the kind of people who had to take time to rebuild their credit and save up to buy something again later. Thank God my parents had that income. The values did go down, but again, the point is that there was not problem getting the same income as before, but all that cash in their IRA, gone.

  • @sheapublishing
    @sheapublishing 6 років тому +49

    If you have that kind of money and call a show.. there is something wrong or you are just bragging..

    • @gmvalentine626
      @gmvalentine626 5 років тому +4

      Or just fabricating a story.

    • @alexfranklin5458
      @alexfranklin5458 4 роки тому

      You really think just because someone with that much isn’t afraid to put it somewhere? Dude is 32.

    • @Intellistan
      @Intellistan 4 роки тому +4

      Getting direct financial advice from Dave for free is not something you can get from the corner accountant.

  • @Zania16ify
    @Zania16ify 6 років тому +1

    At 5:10 "Sweet". Lol, that was funny. Great segment! Love Dave Ramsey.

  • @kojack635
    @kojack635 6 років тому +29

    -Calls in to showoff
    -brags about $7mill
    Weird flex, but okay

    • @bighands69
      @bighands69 4 роки тому

      He does not sound like he is bragging he genuinely sounds like he does not know what to do with his excess funds.

    • @marcianoforst6311
      @marcianoforst6311 3 роки тому

      @@bighands69
      😂

  • @darkheart1721
    @darkheart1721 6 років тому +38

    Guy was trolling Dave. Haha Drug Store.

  • @Jeff-xy7fv
    @Jeff-xy7fv 6 років тому +34

    Buy some land, make it into a campground, and host your own bluegrass music festivals. Use the rest to buy a radio station and change the format to bluegrass 24/7.

    • @oldhollywoodangels
      @oldhollywoodangels 6 років тому +10

      yeah he'd lose all his $$$

    • @ceecee8757
      @ceecee8757 6 років тому +1

      @@oldhollywoodangels 🤣🤣🤣

    • @ceecee8757
      @ceecee8757 6 років тому +2

      Why not open a Haunted Farm Tour? Lol.

    • @CVas-ic7vd
      @CVas-ic7vd 6 років тому

      Buy a race track and put on a race called the Bluegrass 500!

    • @murphyy277
      @murphyy277 6 років тому

      Ah man I hate bluegrass.

  • @wiiiz3
    @wiiiz3 6 років тому +14

    he needs to invested in a business that he will run & pass on to his family & next generation to come so they won't have to work entry level positions or low wage jobs

    • @scottgeoffrey1793
      @scottgeoffrey1793 6 років тому +3

      I would imagine he will send his children to an elite private school, so they won't really have that problem. I would put most of it into property, I would build up a massive property income which will be passive as it will be managed. That way they don't even have to have a job if they really don't want one.

    • @bighands69
      @bighands69 4 роки тому +1

      @@scottgeoffrey1793
      Raising his own children would be much more rewarding and offer a higher level of success.

  • @dimitrimassagetherapy4155
    @dimitrimassagetherapy4155 4 роки тому +9

    This reminds me of the time I bought 2 cheeseburgers and kept one for later that day but was hesitant about eating it

  • @SaintNicholasFan
    @SaintNicholasFan 3 роки тому +5

    Imagine being financially destitute, nearly drowned in debt with no hope and desperate for someone to help and this call gets picked before yours. Lol.

  • @dean4125
    @dean4125 6 років тому +175

    if I had 7 million I would retire instantly..lol.

    • @MrSayonara88
      @MrSayonara88 6 років тому +40

      that won't last very long with inflation...

    • @mikenelson8377
      @mikenelson8377 6 років тому +31

      Invest and watch it grow.

    • @calcla98
      @calcla98 6 років тому +20

      But if you invested it and retired at 50 instead of 32 you could probably have 30 million

    • @Abefbdd
      @Abefbdd 6 років тому +4

      Dean Humphreys then you’re an idiot

    • @stephanieellison5668
      @stephanieellison5668 6 років тому +3

      You could, if you live in a country with a fraction of the cost of living in the US. Suddenly, that $7 million can look like $14m or even around $25m, depending on the country you move to. I did that, but with nowhere near this kind of money. This is called cost of living arbitrage.

  • @clericstorm2009
    @clericstorm2009 6 років тому +116

    Pedaling those opiods be bringing in the cash!

  • @pisces3121
    @pisces3121 4 роки тому +8

    I hope this guy still have his millions. If he bought commercial property it might not be doing so well now.

  • @hansenluu
    @hansenluu 4 роки тому +1

    Great advises. I'd do the same. (I'm a small business owner with 1M in cash, I wish I have his #)
    1M for opening another store with good manager.
    1M to go ETF / Stocks.
    4M to a commercial building collecting rent.
    1M as liquid.

  • @jesseknox9322
    @jesseknox9322 6 років тому +13

    Good for this couple! They've worked their butts off and they've been rewarded handsomely. :) awesome job!

  • @GaryFowler2906
    @GaryFowler2906 6 років тому +204

    What a horrendous problem to have!!!

    • @lovethemflowers
      @lovethemflowers 6 років тому

      Man, I HATE it when that happens! Seriously, good for him! Yes sir, INVEST that money!!

    • @HunterShows
      @HunterShows 5 років тому +1

      That poor man. I hope his financial problems soon subside.

  • @ArturoCabello
    @ArturoCabello 6 років тому +5

    *If you take risks and face your fate with dignity, there is nothing you can do that makes you small; if you don’t take risks, there is nothing you can do that makes you grand! :)*

  • @landonstark5605
    @landonstark5605 3 роки тому

    I am typing this before seeing the video (There is no such thing as extra money) this is a knowledge drop I provided my younger brother over 30 years ago! Additional money is just money you haven't spent or found a place for.

  • @incomeforlife6205
    @incomeforlife6205 6 років тому +5

    Hey! Great Video, thank you for sharing good info to everyone!🔥

  • @rudesoto
    @rudesoto 5 років тому +1

    4:15 yea.. I be having these conversations too

  • @silasdietrich7464
    @silasdietrich7464 4 роки тому +10

    6:06 I know what 2020 will bring 😂😂

  • @marceetaylor3873
    @marceetaylor3873 5 років тому +2

    Good for this guy!! Way to kill it! I love Dave's advice as well. Diversify baby!!!

  • @joshuatate5671
    @joshuatate5671 6 років тому +3

    Man he did that young! An inspiration.

  • @hometowngirl8062
    @hometowngirl8062 6 років тому +7

    Retire, travel........you don't have to work ever again. How much does one person really need?

    • @seanfrashier631
      @seanfrashier631 6 років тому

      You'd be surprised how quick you could blow through 7 million dollars.

    • @hometowngirl8062
      @hometowngirl8062 6 років тому

      I guess I would.

  • @straighter100
    @straighter100 6 років тому +12

    Dumb question, but can someone give me genuine sources on how to run a business like this guy ???

    • @pisicacutecat4869
      @pisicacutecat4869 6 років тому

      Check out Dave Ramsey's website. He has resources there. 😊 He works with Christy Wright.

    • @Julie_Truly_in_KY
      @Julie_Truly_in_KY 6 років тому +1

      Buy a drug store

  • @kryptoniterocks8245
    @kryptoniterocks8245 4 роки тому +2

    Great advice Dave.. If only I have 7 million in cash I'd be then investing like u said a commercial property to keep the income coming in every month instead leave in a bank and receive 3% Intrest a year which is still not bad at 210,000 a year before taxes..Even at 210,000 a year on interest at let's say 18,000 a month is a dam good living instead of 40k a yr... Sometimes too many people don't realise how much do u need to spend each month to be comfortable. 18k a month if ur not happy with that return on your 7 million then soemthing is wrong or dam too greedy then

    • @Bigfoothawk
      @Bigfoothawk Рік тому

      3% 😂how the times have changed

  • @AAA11546
    @AAA11546 5 років тому +5

    Once you have several millions, then when you invest and get 6-12% return every year is beautiful.
    you are literally getting another big salary on the side, with little to no work!! (sure i guess some times it makes more than other times, but in the long run, it's very nice).

    • @justinc2633
      @justinc2633 4 роки тому

      6-12 is what he good get from paper investments, AKA no work whatsoever. if he has active investments like real estate he could be getting 20%+

  • @markg999
    @markg999 6 років тому +15

    Drug store really with all the CVS and such not many small drug stores around. Cause I know others that had to close. I think this is bs...so in a not so long time he paid off the business and all his debts and saves up 7 million with no investing. Not very likely.

    • @UnknownUnknown-tu3be
      @UnknownUnknown-tu3be 6 років тому +2

      Exactly, doesn't seem very plausible.

    • @umt6429
      @umt6429 5 років тому +2

      Drug dealer or pharmacist selling opiods otc to addicts.

  • @outfield243
    @outfield243 5 років тому +42

    I’ve been doing odd jobs for a few weeks and I’ve finally got 100 dollars! I’m 20 btw

    • @alexc5369
      @alexc5369 4 роки тому +7

      Took you weeks for a 100 bucks?

    • @justinc2633
      @justinc2633 4 роки тому +2

      @@alexc5369 hes probably some lazy kid who does a job a week so his parents shut up about him doing nothing

    • @Dontrespondtome169
      @Dontrespondtome169 4 роки тому

      u should at least be making 30k a year man wrtf

  • @andrewdarlington6951
    @andrewdarlington6951 6 років тому +1

    Thanks for the info i am in exactly the same situation! Helps a lot

  • @chedbeckford8067
    @chedbeckford8067 3 роки тому +41

    Finally a relatable call lol

  • @404TRUCKERTV
    @404TRUCKERTV 4 роки тому +1

    Wonderful conversation, boss moves.

  • @kingannou3105
    @kingannou3105 6 років тому +50

    Give it to the lady for her birthday party business.

    • @meganheying4085
      @meganheying4085 6 років тому +2

      We have established that socialism is bad.

    • @wahinepaddler4
      @wahinepaddler4 6 років тому

      Omg 😂😂

    • @yamamancha
      @yamamancha 6 років тому +2

      lol He may as well toss $100 bills out of an airplane and then go see how many he can recover. That's likely to produce a better return than her business.

    • @meganheying4085
      @meganheying4085 6 років тому

      Especially with what her setup cost is. It'll take her decades to get that back, if she ever does

  • @suitcafe
    @suitcafe 3 роки тому

    Only 32, now 34, very young. Open more stores and follow your formula. Buy a commercial building with retail space in it and put your own drug store in there. Pay your own RE company rent.

  • @tumdeax
    @tumdeax 6 років тому +66

    Pharmacy business? Opioids prescriptions are selling great huh?

    • @sherryrussell9181
      @sherryrussell9181 4 роки тому +1

      Tumdéaux they used to, maybe why profits are down.

    • @xman666soad
      @xman666soad 4 роки тому +2

      You’re more likely right than not.
      Insurance changes

    • @bighands69
      @bighands69 4 роки тому +1

      Pharmacists make their income through multiple classes of drugs and applications.

    • @tumdeax
      @tumdeax 4 роки тому

      @@bighands69 I'm sure they do. But we all know where the S class Mercedes this pharmacist has really came from. 😉

  • @malusi88
    @malusi88 Рік тому

    Wow what great advice for him, hope he listened.

  • @wk3820
    @wk3820 6 років тому +4

    My new goal is to one day humble brag like this guy!

  • @BrianSchoedel
    @BrianSchoedel 6 років тому +1

    Great call. In my opinion he should buy or build office buildings with healthcare practice tenants near his pharmacies. Double money....thanks!

  • @christoskyriakou1257
    @christoskyriakou1257 6 років тому +5

    For those who said that you cant save so much money from a drugstore, he didnt say what kimd of drugs he sells
    ....

  • @FrolicGamers
    @FrolicGamers Місяць тому

    very relatable. I was in the similar situation.

  • @royjones59344
    @royjones59344 6 років тому +6

    Story is slightly fishy. Drugstores haven't been good business for a long time and this guy is only 32.

    • @bighands69
      @bighands69 4 роки тому

      That is a generalized statement about pharmacy centers. Like all types of business some do exceptionally well while others do not.

  • @Arthur_StJohn
    @Arthur_StJohn 4 роки тому +2

    It's been a year and half since this call. Would be great to have a follow-up to how he's done since.

  • @nryanmusic
    @nryanmusic 4 роки тому +23

    "We had a couple good years." 😂😂😂😂😂

    • @slmunney7760
      @slmunney7760 4 роки тому +1

      Apparently they had a couple of REALLY good years.

  • @geoffaudio
    @geoffaudio 4 роки тому +1

    Dave saying 2019 was a 19% rate of return, and seeing the video was uploaded in Jan 2019 had me thinking he was a fortune teller 🤣

  • @prathimadeshpande
    @prathimadeshpande 4 роки тому +3

    When you started this business, how long it takes finish your loan, starting how much you invested down for this business?

    • @prathimadeshpande
      @prathimadeshpande 4 роки тому

      When I am some one made money means very happy to hear. I have to take training from them please if have time please give me some suggestion for start up ?

  • @chaseramos4865
    @chaseramos4865 6 років тому +1

    Thanks, I think a lot of people run into this problem

  • @Aznmf
    @Aznmf 6 років тому +7

    Invest in properties. Invest in liquid assets...

  • @jakeerh.7352
    @jakeerh.7352 4 роки тому +1

    Hi Dave, Ive got a huge problem, ive too much money and dont know what to do?

  • @MyChannel-l4w
    @MyChannel-l4w 6 років тому +21

    Hey I live in Houston TX too, I'll take 500k :)

  • @mattbenz99
    @mattbenz99 7 місяців тому +1

    When people say "The market is scary, so I'm thinking real estate" I immediately think that is a red flag. Historically, real estate is actually just as volatile as the stock market, it is just you don't see that volatility because it is spot pricing only when you are looking to sell. Real estate is actually very similar to private equity in that sense. Both real estate and private equity are illiquid assets that only have their prices update infrequently. This give the illusion of stability because you aren't seeing the volatility due to the illiquidity. If you saw the true value of your real estate holdings day to day, they would actually track the stock market quite closely. There is even a term for this in academia, it is the "Illiquidity discount". Basically, people are willing to take lower returns in assets (especially real estate and private equity) if they don't need to see the volatility. The simple truth is that (almost) all financial assets are correlated to each other. It is just that people don't like seeing the volatility and have a well documented preference for assets that don't show drops in value even if they are still there.

  • @anujshekhawat8818
    @anujshekhawat8818 5 років тому +15

    I would just sell the business and retire. Then invest in an apartment building.

  • @jasonjosephlee
    @jasonjosephlee 9 місяців тому

    Buy rentals, build more rentals and keep them growing. Nothing better than cash flow every month. Money into your account every month.

  • @kshitiz06
    @kshitiz06 4 роки тому +3

    Buy a farm where you can grow beans and rice. Sell those beans and rice to other Dave Ramsey callers.

  • @adibchyy
    @adibchyy 4 роки тому +1

    Have the same problem. I found a 20 in my car and just have no idea what to do with it

  • @andreyv1
    @andreyv1 6 років тому +105

    you should call in and brag about it on youtube, of course.

    • @bighands69
      @bighands69 6 років тому +2

      He is not bragging his problem is that he is more than likely isolated.

    • @vetire4294
      @vetire4294 6 років тому +4

      eh, I don't think he's bragging. the dude seems clueless. How do you have 7 million just sitting in a bank account and not invest a dime of that?

    • @icekidt4091
      @icekidt4091 6 років тому +5

      @@vetire4294 bad mentorship. Most people with first generation wealth have no one to learn from about how to make their money work and do not have the time to learn themselves

    • @vetire4294
      @vetire4294 6 років тому

      @@icekidt4091 it was a rhetorical question

  • @edubwalter3179
    @edubwalter3179 4 місяці тому

    If I had 7mil and did not want to to risk putting it into the market right now, I would put 5 mil into a high yield money market account and get 4.5% That's 225k a year (over 18k a month with no risk) You still have another 2 mil to work with!

  • @shoopSAUCE
    @shoopSAUCE 6 років тому +79

    Pay off debt, buy yourself something nice (within reason), invest the rest. Let's not overthink things.

    • @NobleWarning
      @NobleWarning 6 років тому +34

      they are debt free tho

    • @rayfire50
      @rayfire50 6 років тому +6

      Invest in what? And how ?

    • @mathgasm8484
      @mathgasm8484 5 років тому

      @@rayfire50 sp 500 index fund and some bonds for the next downturn. Spend the interest not the principle.

    • @crazyGodLikE
      @crazyGodLikE 5 років тому

      Seems like you haven't thought enough.

  • @neilkorn786
    @neilkorn786 4 роки тому

    Unless you invested in real estate in Bend Oregon 10 years ago. A $200,000 dollar house then is now close to $600,000.

  • @racheltaylor9161
    @racheltaylor9161 6 років тому +6

    Ali: I’ve got some cash lying around I’m not sure what to do.
    Dave: How much?
    Ali: oh ummm about 6.5 to 7 million dollars

  • @jarbird83
    @jarbird83 4 роки тому

    Fascinating. I didn't understand most of that, but one day I will!

  • @fabiolito28
    @fabiolito28 6 років тому +28

    $6.5M to $7M? How do you not know the actual amount?

  • @davidking4779
    @davidking4779 4 роки тому

    Commercial very quickly can become high risk. Residential does depend on available jobs, so you want to be close to a diversified job market. I like residential, it seems lower risk, with a good rate of return, but does take management.

  • @Proto6789
    @Proto6789 5 років тому +28

    32 years old but sounds like my grandfather 😂

    • @slmunney7760
      @slmunney7760 4 роки тому +3

      Yes, the caller certainly didn't sound like he was 32. But that was probably the least of the untruths he told on that call.

  • @nilsfrederking62
    @nilsfrederking62 4 роки тому

    First question should be, why the business is not that successful anymore, it would make no sense to open two more of the same businesses if for example online sales are a threat to the actual business.

  • @claudiaa7063
    @claudiaa7063 6 років тому +15

    Love Dave but he is better advising broke people like me then people with money. Im 16k in debt now i need a lettuce diet the rest of the year to pay this off.

    • @justinaacorn5721
      @justinaacorn5721 6 років тому +1

      Claudia A I hear it is a super nutritional way to a debt free life!😶

    • @claudiaa7063
      @claudiaa7063 6 років тому +2

      @@justinaacorn5721 lol Righ?! I was diagnosed with Hashimoto desese last year, desperatly i bought all vitamins and food to help me heal. It got expensive & used my cc. It turns out its a lifetime thing. I cant eat rice & beans so i guess lettuce it is.

    • @justinaacorn5721
      @justinaacorn5721 6 років тому +2

      No! I am sorry to hear that. I hope you can find a great nutritionist so you may have a variety of good healthy foods. Bless you.

  • @NinjaPhlip
    @NinjaPhlip Рік тому +1

    I have over 100 million In liquid cash a little lost to what to do with it

  • @akatheking82
    @akatheking82 6 років тому +4

    With 25 % return on total capital he could easily get outside investors...

    • @justinc2633
      @justinc2633 4 роки тому

      thats 25% if hes too stupid to use bank money... hed be making significantly higher ROI if he got a loan

  • @harrymajarian9680
    @harrymajarian9680 6 років тому +2

    Great caller and an inspiration to everyone. Dave had some solid advice on this one. The 3 ways to wealth : owning businesses, investing in businesses, owning real estate👍🏻

  • @jayr6067
    @jayr6067 4 роки тому +13

    Just reading what the video is about, I know exactly what he can do with that extra 7,000,000. Give it to me!!

  • @curtisg8399
    @curtisg8399 4 роки тому +1

    Hey Dave I just finished 5th grade and I made a company selling bottled water and my net worth just passed 13.6 billion. I’m just wondering what I should do with the money... right now it’s just sitting in cash in my basement.

  • @mikenelson8377
    @mikenelson8377 6 років тому +16

    I seriously don’t think DR’s staff do a good enough job of screening calls.

    • @themontephone875
      @themontephone875 5 років тому

      Mike Nelson . DR has been in business for over 20 yrs. His staff are handpicked. Yep!

    • @slmunney7760
      @slmunney7760 4 роки тому +1

      Agreed!!!

    • @mikenelson8377
      @mikenelson8377 4 роки тому +1

      The Monte Phone I was never questioning his experience. But his staff that screen and pick the callers should really use better judgment as to which ones are real and actually make it to DR himself to answer on-air.

    • @bighands69
      @bighands69 4 роки тому

      @@mikenelson8377
      How do you know it is not real?

    • @justinc2633
      @justinc2633 4 роки тому

      @@bighands69 let me go start a pharmacy and save up 2 million a year. thats how we know its not real. Im sure theres lots of money to be made, but this kids leaving out a chunk of the story if hes not making it up

  • @KnockoutInvesting
    @KnockoutInvesting 5 років тому +2

    $7,000,000 with 5% dividend, dude can just retire making $350,000 in dividends a year.

  • @barbieblue3336
    @barbieblue3336 3 роки тому +3

    Me: Dave, WHY DOES HE NEED TO MAKE MORE MONEY?! Can't he just watch his money grow?

    • @Kendall_Bowman
      @Kendall_Bowman 3 роки тому

      He could yes, but most people that retire and just sit around and do nothing hate their lives....opening more stores would give him purpose and would create even more wealth than investing will

  • @joshuahall7767
    @joshuahall7767 6 років тому

    1-2 million in bonds. Keep 1 million cash. Sit on the rest until the real estate market crashes and buy everything if you're willing to work it. If not, put it all in the stock market and sit back.