My daughter took the Dave Ramsey personal finance class in high school. After graduation she went to college has a Bachelors degree. Elementary school teacher. She paid off her student loans in 2 years and paid cash for her car.
Wow!! Such an amazing story! I am also about to pay a car in cash this year, and will buy a land of my own soon too I hope. It is possible, but you need to be responsible of your own life.
Guys, I was spending about $300/$400 a week on groceries when I wasn’t budgeting and meal planning. Now I stick to $160 a week and I have cut our groceries spending a month in half. It’s amazing when you pay attention to your money.
@@jamaicaninthekitchen4358its not that hard or expensive to eat healthy. Vegetables and whole grains are cheap. Prepackaged "health food" is not healthy.
@@Instkarma9765 Keep all of your receipts of things you buy to get a good idea of what you’re spending on. If you keep finding yourself scraping by, you have to decide what you really need in your life. Like we can’t shop at Publix. It’s too expensive for everything. I shop almost everything at Aldi. And we don’t buy a ton of snack food. I make a lot of our food (I’m a stay at home wife/mama so I understand not everyone can do this). You tell your money where you want it to go. ❤️
Living like no one else doesn't mean extravagant/ opulent. It means driving a reliable, paid off car. It's giving generously to missions. It means going on vacation or taking a sabbatical and paying cash instead of going into debt. It DOESN'T mean buying a plane 🤷🏻♀️
@@melissaford8807bmws are awful cars to invest in. They’re flashy but the repairs and maintenance is insane. Any time I see someone with a bmw makes me feel sad for them.
I agree I also don't like that blue color background. I like green I think it brings out the color of his eyes and it's the color of money. We can also call him the rich green Go. 😂
Hello, I'd call the main phone number on their website, RamseySolutions, and ask that question. They'll get you to the correct person to ask again. I hope it happens. I just prayed for you. GOD bless.
Hey Dave, I live in AL and yes a judge can sign off on a divorce without child support, my ex and I did it. 11 yrs no issues what so ever. In fact, ex and myself are friends. The only thing is it takes work and compromise, but it is worth it.
"Steve michael steele approaches crypto portfolio management with a strategic mindset that sets him apart. He balances diversification with precision, ensuring that every asset in the portfolio aligns with long-term goals. His ability to forecast market movements and adapt to changes makes him an outstanding guide for navigating the complexities of the crypto market."
steve michaels analyzes go beyond superficial trends. It delves into how to be financial freedom, technical, fundamental and sentiment analysis, providing a holistic view of the market.
I and my husband are favoured financially through his help, Thank you steve michael steele. $32,000 weekly profit regardless of how bad it gets on the economy,, we are grateful sir
I will graduate in june and my girlfriend has graduateted we will have a combined income of around 800 tousand swedish a year and now we will be renting for around 6000 swedish a month = 72k we will be living there for at least 1 year how should think about this we have a combinded debt from studies for about 800k should put some money into clearing our debt now or not?
Child support is the right of the child, parents can't sign it away. It's determined by a fixed formula in most or probably all states based on how much custody each parent has and what their incomes and other obligations (i.e. other kids) are. State doesn't want to end up giving support to a parent because they gave up child support from the other.
The last lady I don’t really understand your a united state citizen I’m assuming. Do you know how many people that are not citizens or residents would love to be able to work an easier job.
And if a pastor is living like a king, and there are people who are working hard yet struggling to stay afloat, and you arent onymously helping them, you are a fraud.
Also, I have to disagree with Dave on his comment to the pastor who wanted to live an ostentatious life. Christ was an itinerant preacher, not a high priest in the temple. The celibate, dutiful priest is his example. Not the prosperity huckster with a European car and a mansion.
Heck I think our church was free of you were active members and invited the priest to dinner. I paid the alter servers like $20 each. Furthermore the reception hall was free if you had a non-saturaday wedding and active members.
My uncle is at least 10 years older than Dave and he spent thousands on hair transplants, so don’t pretend like the older generations are somehow better.
Eh, bit disagree about the pastor. It's not about having millions , its about flaunting them around ESPECIALLY if your congregation's are poor, its tastless. And sure you probably made the money by making good investments etc but the church often still asks for donations etc. And it makes it seem like it goes to deepen the pockets of said pastors instead to the community. Now sure pastors aint supposed to work for free but again its about the flaunting of the wealth. The bible also teaches about humility and modesty (that ain't just about what you wear). Also important to notice is that most people seek advice of pastors about relations not financial, and while if its a good pastor that truely wants the best for their community you probably should also take their advice about finances etc , most people won't and they aint gonna learn by simply watching wealth.
Disagree, you can learn it all in the Bible including financial lessons. We should all strive to be wealthy so we can give more. The poor have a tendency to blame others for their bad decisions. I personally feel like you have a caricature view church/bible.
@@aaroncook5928 I wasn't talking about all of the churches ofc , but there are those out there with extremely wealthy pastors that fly private jets or live in mansions and aren't really hiding where that wealth came from... Granted i don't know where this pastor was coming from, and what he meant by using his money for so i answered with that extrem in mind. Also about learning everything financial you can learn from the bible, while you can learn many things from the bible, you can't learn everything from it as current systems didn't exist back then and also many people dont really know how to derive what they read and apply it to their lives, otherwise we wouldn't have nor need any spiritual/religious leaders to begin with.
The guy who is Catholic and getting married in the church in 2 years is not consistent with the Catholic teachings of the church. He needs to go talk to the priest and discuss their plan.
Wow that’s amazing! 5 years ago I agree, just like home prices building is nuts. We live in a rural area of NC- not too expensive area. We have had several quotes recently and a basic 3 bed 2 bath home is in the 400k range turn key. I’ll stay in my $800 2,700 sqft house payment and keep my land as investment for now.
Kristin is lying so much, I can tell by listening to her. Something else happened at that restaurant that she is not saying. She goes from one restaurant to another, then she gets let go; then she gets two interviews and they didn’t go through. She must of broke policy, stole money or quit from that last restaurant. I’m sorry but that’s how I see it. You don’t work two weeks at a restaurant and just get let go because you aren’t the right fit.
I don’t understand this people they’re making good money a year but this people in big debts,What kind of mentality is that Dumb moves this people are making no common sense at all
My ubs financial advisor said 30 years ago: why pay cash for a new truck when I can take the 20k and buy this stock that will triple your money in 6 months. Well I lost 20k the company went bankrupt. 2008 I bought a new gm truck 15k cash still driving it. New one is 65k. So many people on UA-cam getting rich giving Common Sense advice Dave Ramsey's at least appears to be happy the Rich Dad Poor Dad I actually read his book prepares to be a strung out miserable person on UA-cam
(They give you 100$ and expect it to buy a tuna boat to 5 pairs of Air Jordans) I'm paid Airforce, Navy,Marines,SSI and 100$ Pif but still only see 100$ Pif.. Rick James ahhhhhhh...
ridiculous, she gets the house and he pays for the cae and the kid. why dont them just take all of his money and force him to be a slave for the rest of his life
Thank God they don't have children. This sounds bad but if they had children, the family courts would be in his life until the youngest reaches 21 or finishes college - whichever is later
Ever consider some of your steps are irrelevant and out of date? Accounting for the inflation and average household income rise since... I don't know... Inception of your baby steps?
She'll have $500k in 15 years, but that's before inflation, which eats into it. Dave's advice was appropriate (start saving), but she will feel like she can take the equivilent of $20k/yr after a more conservative withdrawal rate and inflation are taken into account. With a paid for house and social security she should be fine.
He was only giving an example. The main advice was to go to the expert he mentioned to make calculatipns with. The 500k thing was s rough example to tell her she is not in the shits and that she wont go hungry and cold.
Dave didn't say she was withdrawing 10%. He said she will be getting 10% on the investment every year. So if she doesn't touch the sum invested she will have 50k (if 500k invested) every year. The 500k will still be there
@@Morgaidewhich is a ridiculous assumption and a short path to ruin in any kind of down market when you can't afford to lose much principle. The long term average of the market (before inflation) may be 10-12%, but that has never meant that it returns that steadily every year. Some years it will gain more, some it will gain less, some it will lose money.
Remember when this 'Financial expert' called everyone that bought bitcoin stupid 10 years ago at 500 bucks. How we would all lose our money. Good times.
MEN DO NOT GET MARRIED, IDC WHAT RAMSEY SAYS, HE'S OLD AND DON'T KNOW WHAT GOING ON TODAY. I BEG YOU TO NOT GET MARRIED. YOU CAN'T LOSE A GAME IF YOU DONT PLAY IT IN THE FIRST PLACE.
That's such a lonely life, lol. Even if you have a girlfriend that u live with, after enough time passes, you're common law married. So if anyone were to follow your advice, they can't even have a serious relationship.
My daughter took the Dave Ramsey personal finance class in high school. After graduation she went to college has a Bachelors degree. Elementary school teacher. She paid off her student loans in 2 years and paid cash for her car.
Congrats on the success
Dang!
Wow!! Such an amazing story! I am also about to pay a car in cash this year, and will buy a land of my own soon too I hope. It is possible, but you need to be responsible of your own life.
Awesome. That's so refreshing to see a young person being sensible rather than engaging in relentless consumerism
Is she single
Guys, I was spending about $300/$400 a week on groceries when I wasn’t budgeting and meal planning. Now I stick to $160 a week and I have cut our groceries spending a month in half. It’s amazing when you pay attention to your money.
I was spending about $800
Ny daughter is spending $325 a week trying to eat healthy
@@jamaicaninthekitchen4358its not that hard or expensive to eat healthy. Vegetables and whole grains are cheap. Prepackaged "health food" is not healthy.
How does a single person budget for food? It’s not easy. Everything in this society is geared for couples and families.
@@Instkarma9765
Keep all of your receipts of things you buy to get a good idea of what you’re spending on. If you keep finding yourself scraping by, you have to decide what you really need in your life. Like we can’t shop at Publix. It’s too expensive for everything. I shop almost everything at Aldi. And we don’t buy a ton of snack food. I make a lot of our food (I’m a stay at home wife/mama so I understand not everyone can do this). You tell your money where you want it to go. ❤️
Instant Classic Ramsey Show. Great chemistry and great callers.
41:23 gotta love Dave calling out the tv preachers with private jets 😂
Ma
I took the ramsey personal finance class in 2011 or 2012. Set me up for success. I never thought i would be where I am today financially.
Living like no one else doesn't mean extravagant/ opulent. It means driving a reliable, paid off car. It's giving generously to missions. It means going on vacation or taking a sabbatical and paying cash instead of going into debt.
It DOESN'T mean buying a plane 🤷🏻♀️
Wish he was also doing this in África as well, love his advises
Great advice on the collection call Dave. Worked in collections for 3 years and you are right on.
Yes! My son is a sophmore in Tx taking a personal finance course
loving the music ❤
I miss the old, “where debt is dumb, cash is king, and the paid off mortgage is the new status symbol of choice” 🤷🏻♀️
Where the paid off mortgage has replaced the BMW as the status symbol of choice.
@@mechanicallycreative9788having an owned place TO LIVE is hardly a status symbol like a BMW is 😂
@@melissaford8807 no....just no
@@melissaford8807bmws are awful cars to invest in. They’re flashy but the repairs and maintenance is insane. Any time I see someone with a bmw makes me feel sad for them.
@@melissaford8807your priorities are scuffed
Omg!! George Kamel!! 😂 my grandson says "that hurts my brain" a hundred times a day 😂😂😂
please do another one!!!!!!!!!
Uncle David: 1. I did my due diligence on draft policy in the United States Military 2. Put my name in the hat .. 3. Made it as a Admiral Seal
Hi, my boys group mentioned me this program, apparently you guys are kinda famous here in southwest Europe (Portugal here 🇵🇹). Amazing show!
Most of my pet names were food! Had a dog named Popcorn, black cat Licorice, orange cat named Buttterscotch Sundae.
Strawberry Banana was my cat. RIP.
The previously recorded sign in the top right of the screen is irritating.
😂😂😂
Then don't look at it
Sorry, Allen, but you need bigger problems to give you some Perspective 🤔
I agree I also don't like that blue color background. I like green I think it brings out the color of his eyes and it's the color of money. We can also call him the rich green Go. 😂
@bookwormonabudget6045😂
In 2013 I was in 10th grade and had to take the Ramsey course
25:26 thats an amazing achievement congratulations
I wish they had the Dave Ramsey program in my kids school. How does one get them to incorporate this?
Hello, I'd call the main phone number on their website, RamseySolutions, and ask that question. They'll get you to the correct person to ask again. I hope it happens. I just prayed for you. GOD bless.
Who you marry matters. 1:55:35
25:26 thanke for saying gals as well :) Means a lot
They were all in one accord❤😂
Hey Dave, I live in AL and yes a judge can sign off on a divorce without child support, my ex and I did it. 11 yrs no issues what so ever. In fact, ex and myself are friends. The only thing is it takes work and compromise, but it is worth it.
Why is Issac giving away his house? He should get half
Roasted Dave 😂
Dave talking about student loans and the government 😂 he said the IRS and government's parents are cousins.
There should be a book of “Dave-isms” because he seriously has some beauties 😂
Where can/do you invest to get 10% interest?
Uncle David ❤
Can people living in canada do the dave ramsey program
Please where can I watch the full episode?
Yeah Lady, if he wants that cup of coffee, let him have it. Jeez, the things people fret over !
Can I still receive yearly depreciation of a rental property if I paid it off ? Thank you !
Yes. You just won’t be able to deduct interest paid on a loan after it’s paid off.
It seems like I can’t not get my questions answered unless I subscribe, ?
They don't answer questions from the comments. This is a call-in show.
what episode is thisss?
How can I ask question?
Call in when they're live, in January.
"Steve michael steele approaches crypto portfolio management with a strategic mindset that sets him apart. He balances diversification with precision, ensuring that every asset in the portfolio aligns with long-term goals. His ability to forecast market movements and adapt to changes makes him an outstanding guide for navigating the complexities of the crypto market."
steve michaels analyzes go beyond superficial trends. It delves into how to be financial freedom, technical, fundamental and sentiment analysis, providing a holistic view of the market.
I am a beginner how do I reach him please
I and my husband are favoured financially through his help, Thank you steve michael steele. $32,000 weekly profit regardless of how bad it gets on the economy,, we are grateful sir
he is mostly on telegram
using the user name@steve_894
which mutual funds pay you a 10% ROI per annum ?? I dont live in the USA but here in Italy it is sci-fi. By sci-fi we mean gullible.
I will graduate in june and my girlfriend has graduateted we will have a combined income of around 800 tousand swedish a year and now we will be renting for around 6000 swedish a month = 72k we will be living there for at least 1 year how should think about this we have a combinded debt from studies for about 800k should put some money into clearing our debt now or not?
Make sure you have shelter, food, water, basic necessities, and pay off debt!
Is it true I'm a Police Officer?
🤑save and invest everyone!🤑
You can definitely get a divorce without a lawyer and without child support if everything is agreed upon.
Child support is the right of the child, parents can't sign it away. It's determined by a fixed formula in most or probably all states based on how much custody each parent has and what their incomes and other obligations (i.e. other kids) are.
State doesn't want to end up giving support to a parent because they gave up child support from the other.
I just looked for your book Baby Steps, so your older books also popped up and except for a hair more grey, it looks like you haven’t aged a minute.
The last lady I don’t really understand your a united state citizen I’m assuming. Do you know how many people that are not citizens or residents would love to be able to work an easier job.
How do I do baby steps starting with no debt ik instead of getting out I can stay out but what else am I supposed to do
And if a pastor is living like a king, and there are people who are working hard yet struggling to stay afloat, and you arent onymously helping them, you are a fraud.
Anonymously
Catholic church is like $600. They only require 2 witnesses. That's all you need to get married in church.
Also, I have to disagree with Dave on his comment to the pastor who wanted to live an ostentatious life. Christ was an itinerant preacher, not a high priest in the temple. The celibate, dutiful priest is his example. Not the prosperity huckster with a European car and a mansion.
Heck I think our church was free of you were active members and invited the priest to dinner. I paid the alter servers like $20 each. Furthermore the reception hall was free if you had a non-saturaday wedding and active members.
Is that silk stocking music
My uncle is at least 10 years older than Dave and he spent thousands on hair transplants, so don’t pretend like the older generations are somehow better.
Eh, bit disagree about the pastor.
It's not about having millions , its about flaunting them around ESPECIALLY if your congregation's are poor, its tastless. And sure you probably made the money by making good investments etc but the church often still asks for donations etc. And it makes it seem like it goes to deepen the pockets of said pastors instead to the community. Now sure pastors aint supposed to work for free but again its about the flaunting of the wealth.
The bible also teaches about humility and modesty (that ain't just about what you wear).
Also important to notice is that most people seek advice of pastors about relations not financial, and while if its a good pastor that truely wants the best for their community you probably should also take their advice about finances etc , most people won't and they aint gonna learn by simply watching wealth.
Disagree, you can learn it all in the Bible including financial lessons.
We should all strive to be wealthy so we can give more. The poor have a tendency to blame others for their bad decisions.
I personally feel like you have a caricature view church/bible.
@@aaroncook5928 I wasn't talking about all of the churches ofc , but there are those out there with extremely wealthy pastors that fly private jets or live in mansions and aren't really hiding where that wealth came from...
Granted i don't know where this pastor was coming from, and what he meant by using his money for so i answered with that extrem in mind.
Also about learning everything financial you can learn from the bible, while you can learn many things from the bible, you can't learn everything from it as current systems didn't exist back then and also many people dont really know how to derive what they read and apply it to their lives, otherwise we wouldn't have nor need any spiritual/religious leaders to begin with.
@@aaroncook5928 It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God.
@MariaEduarda-jw3eh keep reading. You stopped too early. Context is key, which is why you believe wrongly. Verse 27.
Dave Ramsey team get Mr. Money Mustache, J. L Collins on fot an interview
The guy who is Catholic and getting married in the church in 2 years is not consistent with the Catholic teachings of the church. He needs to go talk to the priest and discuss their plan.
Where can you build a house on raw land for 350k???!!!!
Wow that’s amazing! 5 years ago I agree, just like home prices building is nuts. We live in a rural area of NC- not too expensive area. We have had several quotes recently and a basic 3 bed 2 bath home is in the 400k range turn key. I’ll stay in my $800 2,700 sqft house payment and keep my land as investment for now.
Almost anywhere in SC
Kristin is lying so much, I can tell by listening to her. Something else happened at that restaurant that she is not saying.
She goes from one restaurant to another, then she gets let go; then she gets two interviews and they didn’t go through.
She must of broke policy, stole money or quit from that last restaurant. I’m sorry but that’s how I see it. You don’t work two weeks at a restaurant and just get let go because you aren’t the right fit.
Why aren't you on tv anymore????
The cost of tv keeps going up. Ive heard him complain about it before.
I don’t understand this people they’re making good money a year but this people in big debts,What kind of mentality is that Dumb moves this people are making no common sense at all
These, not this
Buying too much material things, etc.
Last lady go be a CNA
My ubs financial advisor said 30 years ago: why pay cash for a new truck when I can take the 20k and buy this stock that will triple your money in 6 months. Well I lost 20k the company went bankrupt. 2008 I bought a new gm truck 15k cash still driving it. New one is 65k. So many people on UA-cam getting rich giving Common Sense advice Dave Ramsey's at least appears to be happy the Rich Dad Poor Dad I actually read his book prepares to be a strung out miserable person on UA-cam
What’s the point of that making $200k a year and the money is disappearing sounds ur still poor lady cos u have too much debts
Baker street 🎷
Nahhhhhhh live at your parents until you got a emergency fund and no debts and a down payment don't listen to this dude
Why do those guys wear those headsets?
So they can hear
(They give you 100$ and expect it to buy a tuna boat to 5 pairs of Air Jordans) I'm paid Airforce, Navy,Marines,SSI and 100$ Pif but still only see 100$ Pif.. Rick James ahhhhhhh...
What exactly about being a widow for 15 years has to do with you not having a retirement fund? It's being 15 years woman!!
How old is he
60k a year at 80 hours a week is only 14 an hour
😂😂😂😂 guess I pushed a button, yalls deleted my comment wow!
42. Too late😂
ridiculous, she gets the house and he pays for the cae and the kid. why dont them just take all of his money and force him to be a slave for the rest of his life
What he needs to do is get that kid and the house and the car and make her pay child support
Thank God they don't have children. This sounds bad but if they had children, the family courts would be in his life until the youngest reaches 21 or finishes college - whichever is later
Ever consider some of your steps are irrelevant and out of date? Accounting for the inflation and average household income rise since... I don't know... Inception of your baby steps?
George needs to slow down, he cant wait to jump in when someone is mid sentence. Practice listening Mr Carmel
Predator dave not ok...Jade is beautiful
So the debt snowball prioritises small balances, regardless of interest rates? Sounds like a terrible idea
Dave is really telling a 50 year old widow to plan on withdrawing 10% of her retirement balance every year. Shameful
She'll have $500k in 15 years, but that's before inflation, which eats into it. Dave's advice was appropriate (start saving), but she will feel like she can take the equivilent of $20k/yr after a more conservative withdrawal rate and inflation are taken into account. With a paid for house and social security she should be fine.
He was only giving an example. The main advice was to go to the expert he mentioned to make calculatipns with. The 500k thing was s rough example to tell her she is not in the shits and that she wont go hungry and cold.
Dave didn't say she was withdrawing 10%. He said she will be getting 10% on the investment every year. So if she doesn't touch the sum invested she will have 50k (if 500k invested) every year. The 500k will still be there
@@Morgaidewhich is a ridiculous assumption and a short path to ruin in any kind of down market when you can't afford to lose much principle.
The long term average of the market (before inflation) may be 10-12%, but that has never meant that it returns that steadily every year. Some years it will gain more, some it will gain less, some it will lose money.
Am I the CIA
Paying off your wife’s student loans is wack advice.
Let her pay it off during the course of the marriage..
That’s just irresponsible money advice.
When you get married you become one. There’s no his debt or her debt. It’s their debt
@@kevinjames6120 it’s bird brained advice like that, that gets men into trouble.
Remember when this 'Financial expert' called everyone that bought bitcoin stupid 10 years ago at 500 bucks. How we would all lose our money. Good times.
MEN DO NOT GET MARRIED, IDC WHAT RAMSEY SAYS, HE'S OLD AND DON'T KNOW WHAT GOING ON TODAY. I BEG YOU TO NOT GET MARRIED. YOU CAN'T LOSE A GAME IF YOU DONT PLAY IT IN THE FIRST PLACE.
She will only stay ur gf for so many years bro that's why u just take ur time dating so u stack the odds in ur favor to win
There are still real men *and* real women out there. 🥂
Be gay that way you have equal rights in the court
Yeah, I don't think women should get married, either.
That's such a lonely life, lol. Even if you have a girlfriend that u live with, after enough time passes, you're common law married. So if anyone were to follow your advice, they can't even have a serious relationship.
You should use some money on hair implants, whoops it won't get you any return, sorry.
Why be nasty?
12k per month and can’t live?