My ex husband left me with debt. I took a second job for 4 1/2 years. I paid off all the debts plus my student loan. And I paid extra toward toward the mortgage every month. I have been on a strict budget the entire time. The job was to pay off bills, not to spend money on more stuff. And I am quitting the second job this month. I have never felt better.
My ex-husband borrowed money on the house pushed the mortgage up and left me with a disability pension. I could not afford to repay and I have tried to establish businesses to help get out of debt. Nothing worked. But my faith and determination 🙏🏼 will get me through.
My dad taught all his 10 girls this " Don't look at what others have because you don't know how they acquire it and they probably not able to sleep in their bed at night because debt keeps them away or they working long hours to pay for stuff". I follow that advice to this day. He's gone 40 years but his wisdom lives with us. He was a successful businessman man who was blind.
I think this advice is more or less to help people who struggle with the urge to "keep up with the Jones" and end up struggling financially because of it, and not necessarily to judge or wag your finger at people for going into debt to make their purchases. That feeling to keep up appearances is hard to shake esp now days with social media so if you can remind yourself that some people with nice looking stuff could also be a paycheck away from losing it all maybe that would scare you enough into being more financially responsible. Assumptions do generally make people look foolish however and not everyone who has nice stuff is in debt. But a lot of is are 🤑
One of the biggest things that brings joy to my heart is the phrase "I remember the day I prayed for what I have today." It completely changed the way I look at everything. And you can apply that to other people as well if you find yourself maybe a little envious. Remind yourself that there was a day that they prayed for what you are envious of, and it shifts into happiness for them.
Hi from the UK 🇬🇧. I got out of debt many years ago. It took me many years to build my finances slow and steady is the way for me. I stopped wanting what other people have. I learned to praise other people's achievements and feel blessed for what I have.
Well done. I'm battling with patience myself. How to you overcome that. I'm 29 and paying off my last debt. I don't own a house and started with retirement for the first time last year, contributing atlest 9% of my income per month. I want to get to 1 million networks when I'm 38. I don't know if I'll be able to do that.
Between August and September I spent 3 weeks in the hospital with covid. Add to that recovery time, I didn’t work for almost 5 months. I had a short term disability policy through AFLAC, but my emergency fund helped keep me afloat. Thankfully I took Dave’s advice awhile ago so I did have that fund 😁
I was in the hospital too around that time but I was out of work for 6 weeks, I had a 6 month e-fund that I used to stay afloat and the rest I used to start the debt snowball.
Tell that to Dave directly. He doesn't believe Covid is a big deal, holds public large gatherings and regularly call people who support sanitary measures 'wosses'.
@@jacqueshetu639 And for another super-spreader event he wanted to hold, he called the event planner calling to cancel it (due to quarantine) an "eight dollar an hour twerp". Real classy.
I love that Dave doesn't look down on adults doing service jobs. I think a lot of people are in situations where taking a second job even temporarily would improve their life drastically but they feel too embarrassed or above working these jobs. In my late 20's I took on a weekend job as a cashier and I remember so many people from highschool/college running into me and I could tell they were slightly looking down at me. Not all of them but I could see their arrogance. I wonder how many of them were/are debt free like me and saving for a down payment?
I know a lot about people like that.. it's sad that people think that way.. I have always had low paying jobs but mostly cause I enjoyed them. A couple I had were great paying well a living wage at least.. but gave it up as it was making me physically and mentally sick... I have never gone by the monies, never been out to get rich... In Fact, I don't know how those billionaires need that much money and some don't donate or give to family then they pass and money is gone ... even today that I am older people ask what would u do if u won a big lottery, would u by a mansion.. gawd no.. I live by my self would just like a med size condo probably some one to drive me around in a reg car not a limo and someone to help me with the clean and maintenance of the home.. Would by each of my family members a home not fancy just something they need not necessary want...
Minimum wage in San Diego is fifteen dollars an hour. Im not embarrassed at all to take that. In fact, I'm happy to take that income from a second job. I'm a pure capitalist.
Taking on a second job is what I call a hustle 🔥 saving extra money is goals and your paving the way for your future. I signed on for Uber eats and I can do deliveries on the weekend for some extra money. Ignore the ignorant folks!
Dave I love to hear the Bible verses with the saving money. I am where I need to be , on the right tract with my freedom to wealth. Budget has always been in my vocabulary and applied to my life. It helped me pay off my house in 7 years while I was raising 3 kids. My regular job and side jobs all being a single mom. They are al grown and own their own. Now, I continue to do the same things and I’m able to save money now. I put away the house payment money that I no longer pay, every month.
I love what Rachel had to say about online shopping - the add to cart and then close down the tab. I give myself a cooling-off period - at least 24 hours. A lot of the time I realise I can make do with what I already have, or I would rather save my money than have more clutter, but if I do decide to buy it I can do it guilt-free, it's been a mindful purchase for me.
1. Find little ways to save money. 2. Keep your emergency fund funded. 3. Don't go crypto-crazy. 4. Get a part time job. 5. Don't rely on the government to pay your student loans. 6. Don't fall for Afterpay. 7. Talk to your spouse about money. 8. Get on a budget. 9. Keep your eyes on what you have, not what others have. 10. Live on less than you make. This could have been boiled down to 1, which would have been a combination of 8 & 10. But people like Top Ten lists, so those should have been numbers 1 and 2 to start the video.
Started our budget this month and it feels so good. I left the house today without eating breakfast and I was tempted to buy a piece of pumpkin bread at the Starbucks in Target. I passed. My next stop was Walmart. Oddly, canned cat food is in short supply everywhere, thus Target and Walmart. I picked up an apple at Walmart. Such a little thing but saved a couple of dollars. It’s the little things that get you.
@@wiseowl2020 we’ve been buying it at Costco but apparently there is an aluminum can shortage. I would make it but they require specific nutrients. Between wet and dry cat food and litter, our budget for cats is about $100 per month. I have 6 in the house and I feed ferals outside.
I'm only halfway in and I feel like everything you've said is stuff the Spirit has already told me, but I needed another witness I could generally trust to give good biblical money advice. God bless you, Dave & Rachel.
Wow. Debt free on 2019 and well over 40,000 in debt now going into 2022! Revisiting your baby steps and advice to live a better life f giving and a peaceful content life! Thank you for continuing to provide your insight and expertise!! I am so grateful
“Godliness with contentment is great gain” just meditate on that for a moment before you budget or spend money and it truly helps your mindset. Good video y’all! ❤️
Besides the wonderful message to help others I cannot help but appreciate and admire the wonderful relationship between father and daughter. It's refreshing to see them have a good discussion and lots of laughter! God bless!
every new years, I make a resolution based on finances. 2 years ago after discovering Dave Ramsey and his baby steps I made the resolution to pay my car off that year (2 years early on the loan) and I accomplished that goal. The following year I made the resolution to pay off my boat (3 years early on the loan) and I accomplished that goal. This year my goal is to get my 6 month emergency fund saved up. My bank account is currently the lowest it's ever been with just under 2 months expenses saved up with some big bills coming up in January and February, but by March if everything goes right I should be back up to about 3-4 months of expenses, but I'm more comfortable with 6 months. The house is set to be paid off in 2 years with minimum payments left, and I have no kids so no college fund to worry about.
@@LyonsArcade yep, but it's worked for me. the only debt I have now is $7,500 on my house. I can't wipe out my bank account paying debts off because I always have some multiple thousand dollar expense pop up every year out of the blue
the car was on 4 years out of a 6 year loan when I paid it off ($30k car), and the boat was on 1.5 years out of a 4 year loan when paid off... I didn't exactly have the money in the bank to buy them out right. That's why I just get loans and pay them off several years early.
I LOVED the part where you guys spoke about putting your future in the hands of others. I am almost done with my car note and it’s my last aside from my home loan. I feel much more confident to deal with raises and promotions.
Thanks Rachel and to your father. You both are great examples of what potential don't see in themselves. Be patience with ourselves go slow and steady, you will win the race.
Rachel, thanks for clarifying with Dave about "the cool kids" versus "the people who think we're 'too basic' and don't truly understand finance.'" You nailed some of my relational issues I've encountered when trying to explain DR. For me, "basic" has been working over the last 8 years. I've been really happy with the results. Thank you so much. Slow and Steady, baby.
I just finished my aesthetic course and that’s my future and doing less hours and more money, and now I reduced the day to work and now my goal is trying saving my money toward my retirement x 2022 oh s going to be a good and positive year ❤️🇬🇧🙏
Thank you! I decided to pay off my student loans as soon they granted the extension till May. I got tired of waiting and thankfully I was able to pay them all of on my own, a sacrifice that was worth because I did it not the government.
So happy to see you both in this video 🎉 I’ve learned so much from Mr Ramsey throughout the years. 2022 makes 10 years since following Mr Ramsey. I’m so grateful to have learned the wisdom he shares. It’s helped my family and I through all the different seasons in life. May God continue to pour into you and continue to help families live a blessed content abundant life 💖
Love the crypto discussion, thank you!! These guys are so great, every time I listen to them; I learn something, or I get motivated or I gain a great saying to put in my back pocket. Love it, Dave & Rachel thank you for doing what you do!
So excited to see this. Just yesterday I looked to see if you and your dad did this lesson. I watched last year's and it helped me a lot. I am almost done paying off our car, then just the house. Thank you x a million 🙂
Rachel being honest about her assumptions of people with nice things going on nice vacations. 🤣 I do that with people who have really clean houses. "She probably hires a house cleaner." Makes me feel better about myself. 😂
What I do with my wife is we put in 20% of our pays monthly into a family investment plan and still contribute towards our 401k individually using the rest for other expenses and favorites
Nice strategy, how do you mean family investments ? I am looking much to setup investments in stocks and other assets but have no clue how to start but now you mentioned it
i feel pretty cool investing into our retirement. i’ve seen the struggles my older families have had not having any retirement & now that we have started & in our early 30s, is just a weight off my shoulders. i don’t care about the hot new thing. i want our future to be secure more then being popular.
Thank you both for this great video. I love to see the father and daughter interactions. You can feel the genuineness. I hope you both have a blessed year!!!
The video is good 😎😎. How about Kyrrex 🙄? Was there already a conversation or a dedicated video 🤔🤔?? I read about this project myself a little, but I didn't really understand ☹️ if you could explain what it is! Would be grateful 🙄🙄!
I think people need to spend money on something, so instead of spending it on stuff you don't need, spend it on investments, your mortgage, follow the principles. Then you can at least feel you spending money when you start paying off your mortgage. My goal this year is to throw more money at my mortgage. Thanks to the Ramsey show for keeping us all focused, thank you!
I have literally been looking at luxury bags and found myself doing the same thing you were talking about... the PayPal after pay...the hiding of products so my husband doesn't get on me. But I found my way back to Ramsey solutions on UA-cam via watching luxury minimalism (colorful noir) and realizing she is saying the same thing Dave says. And as a woman I love how you explain your own thoughts which are similar to mine!
I'm so grateful for this video. The simplicity of conversation and the ease of how you speak . I've have learned. And my biggest problem it's my ego . I hope I remain humble and stay the course. Thanks Uncle Dave
Great content, great delivery! Happy New Year! Ready to do this!!😁💪🏼 so tired of not following through and sabotaging myself...ready to move forward and not look back!
Your habit of putting items in your online cart and then leaving the website works! I also did this when shopping a real store (especially with clothing). I touch it or try it on, put it in my cart, walk around the store with it and then put it back. Having items in my physical cart gave me that feeling of possession and putting them back saved me money!
I agree! I’ve done this in the past where I would have something in my cart for awhile and if I spend too much time in the store/get tired I no longer want the item anymore
Thanks to Dave for teaching me about emergency funds and sinking funds. Pandemic time my family was fine because I had money saved and could buy necessities when I heard people were “panic buying “. Thanks to the Preppers who taught me about stocking a pantry to survive crazy times. ❤️
I put stuff on my shopping list online. Then I let it sit. Then I see if the need for anything comes back. If it does, I think again about buying the item. If not I consider just deleting it. Most items end up deleted. It really eliminates impulse buys.
Thank you so much for helping me & so many people! Dave, people have their opinions about you, I know I did. However, as the years have flown by, I've developed an appreciation for you.l! Only once Ive changed my perspective in regards to my own personal finances (about 7years ago) I stopped being angry, particularly at monitary "successful folks". I decided to put my "man pants" on & took responsibility for where I was at in Life! Once again, I say thanks Dave & of course you too Rachel 😊. Thanks for being a light in a world where there is currently so much darkness! Much love ❤️
I have always wondered whenever Dave retires and steps away, will the company’s model for its baby steps ever change? Or will things be updated in anyway?
Dave Ramsey has helped so many people that were willing to learn and not be prideful. I just downloaded every dollar because I wanted to track my spending since I just moved and live a diffferent lifestyle. When I saw it said Dave Ramsey I was so excited. Thank you for the free app gift
Rachel is my favorite on the show other than Dave Ramsey of course she reminds me of Jen Hobby she was a radio talk show host used to be on the Burt show
That's exactly what I do on Amazon. I window shop by putting items in my cart and wait a few days. If I really need it I buy only when I can afford it.
I live in North Country and have had Amish do some work on my home. I’ve been to their mill and realized they are happy where they are and what they have. I am so intrigued by the way they live without electricity, internet, cars etc. when everyone in their town has those things. How do they stay humble?
My ex husband left me with debt. I took a second job for 4 1/2 years. I paid off all the debts plus my student loan. And I paid extra toward toward the mortgage every month. I have been on a strict budget the entire time. The job was to pay off bills, not to spend money on more stuff. And I am quitting the second job this month. I have never felt better.
Good on you...
Congratulations that’s amazing!
👏👏👏
My ex-husband borrowed money on the house pushed the mortgage up and left me with a disability pension. I could not afford to repay and I have tried to establish businesses to help get out of debt. Nothing worked. But my faith and determination 🙏🏼 will get me through.
Congratulations 👏 and Weldon 👍🏿🙏🏿🙏🏿
My dad taught all his 10 girls this " Don't look at what others have because you don't know how they acquire it and they probably not able to sleep in their bed at night because debt keeps them away or they working long hours to pay for stuff". I follow that advice to this day. He's gone 40 years but his wisdom lives with us. He was a successful businessman man who was blind.
my dad always taught me the same and i really didnt understand it until i got older!! God rest your dads soul ❤
That is totally AWESOME.
Wiseman!
I think this advice is more or less to help people who struggle with the urge to "keep up with the Jones" and end up struggling financially because of it, and not necessarily to judge or wag your finger at people for going into debt to make their purchases. That feeling to keep up appearances is hard to shake esp now days with social media so if you can remind yourself that some people with nice looking stuff could also be a paycheck away from losing it all maybe that would scare you enough into being more financially responsible. Assumptions do generally make people look foolish however and not everyone who has nice stuff is in debt. But a lot of is are 🤑
Wise man.
One of the biggest things that brings joy to my heart is the phrase "I remember the day I prayed for what I have today." It completely changed the way I look at everything. And you can apply that to other people as well if you find yourself maybe a little envious. Remind yourself that there was a day that they prayed for what you are envious of, and it shifts into happiness for them.
I love that! Thank you for sharing.
Hi from the UK 🇬🇧. I got out of debt many years ago. It took me many years to build my finances slow and steady is the way for me. I stopped wanting what other people have. I learned to praise other people's achievements and feel blessed for what I have.
Well done. I'm battling with patience myself. How to you overcome that. I'm 29 and paying off my last debt. I don't own a house and started with retirement for the first time last year, contributing atlest 9% of my income per month. I want to get to 1 million networks when I'm 38. I don't know if I'll be able to do that.
Learning to be genuinely happy for other people is a key component of one's own success.
Between August and September I spent 3 weeks in the hospital with covid. Add to that recovery time, I didn’t work for almost 5 months. I had a short term disability policy through AFLAC, but my emergency fund helped keep me afloat. Thankfully I took Dave’s advice awhile ago so I did have that fund 😁
I was in the hospital too around that time but I was out of work for 6 weeks, I had a 6 month e-fund that I used to stay afloat and the rest I used to start the debt snowball.
Tell that to Dave directly. He doesn't believe Covid is a big deal, holds public large gatherings and regularly call people who support sanitary measures 'wosses'.
@@jacqueshetu639 And for another super-spreader event he wanted to hold, he called the event planner calling to cancel it (due to quarantine) an "eight dollar an hour twerp". Real classy.
So smart !
@@jacqueshetu639 he sure does love his bible
I love that Dave doesn't look down on adults doing service jobs. I think a lot of people are in situations where taking a second job even temporarily would improve their life drastically but they feel too embarrassed or above working these jobs. In my late 20's I took on a weekend job as a cashier and I remember so many people from highschool/college running into me and I could tell they were slightly looking down at me. Not all of them but I could see their arrogance. I wonder how many of them were/are debt free like me and saving for a down payment?
Amen amen amen 🔥
I applaud you!!!
I know a lot about people like that.. it's sad that people think that way.. I have always had low paying jobs but mostly cause I enjoyed them. A couple I had were great paying well a living wage at least.. but gave it up as it was making me physically and mentally sick... I have never gone by the monies, never been out to get rich... In Fact, I don't know how those billionaires need that much money and some don't donate or give to family then they pass and money is gone ... even today that I am older people ask what would u do if u won a big lottery, would u by a mansion.. gawd no.. I live by my self would just like a med size condo probably some one to drive me around in a reg car not a limo and someone to help me with the clean and maintenance of the home.. Would by each of my family members a home not fancy just something they need not necessary want...
Minimum wage in San Diego is fifteen dollars an hour. Im not embarrassed at all to take that. In fact, I'm happy to take that income from a second job. I'm a pure capitalist.
Taking on a second job is what I call a hustle 🔥 saving extra money is goals and your paving the way for your future. I signed on for Uber eats and I can do deliveries on the weekend for some extra money. Ignore the ignorant folks!
Dave I love to hear the Bible verses with the saving money. I am where I need to be , on the right tract with my freedom to wealth. Budget has always been in my vocabulary and applied to my life. It helped me pay off my house in 7 years while I was raising 3 kids. My regular job and side jobs all being a single mom. They are al grown and own their own. Now, I continue to do the same things and I’m able to save money now. I put away the house payment money that I no longer pay, every month.
Hello Pretty Happy New Year, how are you doing today?
@@TestTest-ei4gi Oh Jesus.
Biblical guidance to Christians who
1. Desire money more than God.
2. Worried over money.
3. Borrow money for basic needs.
4. Struggle in debt.
Proverbs 22:7,
2. Galatians 5:1,
Proverbs 19:17,
Luke 6:38,
2 Corinthians 9:6-7,
Malachi 3:8,
Haggai 1:6,
Proverbs 3:9,
Philippians 4:19,
Mark 10:29-30,
Matthew 25:11-27,
Luke 19:11-27,
Proverbs 6:6-8,
Deuteronomy 28:1-14,
Proverbs 13:22,
Hebrews 11:6,
1 Timothy 6:6,
Matthew 6:24,
Proverbs 30:7-9
Great job raising three kids and paying off the house on your own! Not only that, you’re beautiful!
Brilliant dedication 👏 👌
I love what Rachel had to say about online shopping - the add to cart and then close down the tab. I give myself a cooling-off period - at least 24 hours. A lot of the time I realise I can make do with what I already have, or I would rather save my money than have more clutter, but if I do decide to buy it I can do it guilt-free, it's been a mindful purchase for me.
1. Find little ways to save money.
2. Keep your emergency fund funded.
3. Don't go crypto-crazy.
4. Get a part time job.
5. Don't rely on the government to pay your student loans.
6. Don't fall for Afterpay.
7. Talk to your spouse about money.
8. Get on a budget.
9. Keep your eyes on what you have, not what others have.
10. Live on less than you make.
This could have been boiled down to 1, which would have been a combination of 8 & 10. But people like Top Ten lists, so those should have been numbers 1 and 2 to start the video.
Gotta get people through some teasers to end with the “big stuff”
I follow each one of these except for no 3...
Thank you
Thank you
Best comment reply
Dave and Rachel looking awesome, happy and healthy .. love the interactions with his family and team ..
Started our budget this month and it feels so good. I left the house today without eating breakfast and I was tempted to buy a piece of pumpkin bread at the Starbucks in Target. I passed. My next stop was Walmart. Oddly, canned cat food is in short supply everywhere, thus Target and Walmart. I picked up an apple at Walmart. Such a little thing but saved a couple of dollars. It’s the little things that get you.
Hello Sharon Happy New Year, how are you doing today?
Boy, I'm right there with you on the cat food. I have four kitties and it's almost a shell game to find the food they like and in quantity.
@@wiseowl2020 we’ve been buying it at Costco but apparently there is an aluminum can shortage. I would make it but they require specific nutrients. Between wet and dry cat food and litter, our budget for cats is about $100 per month. I have 6 in the house and I feed ferals outside.
@@Taking_Back_Thyme oh I like cats but really scared of them lol..but I once had a Golden retriever it helped me alot do you train dogs?
I thank God for coming across this discussion. The principles are based on the word of God, which makes them trusted truth. Thank you
I love Rachel and Dave together 🤣
I'm only halfway in and I feel like everything you've said is stuff the Spirit has already told me, but I needed another witness I could generally trust to give good biblical money advice. God bless you, Dave & Rachel.
Wow. Debt free on 2019 and well over 40,000 in debt now going into 2022! Revisiting your baby steps and advice to live a better life f giving and a peaceful content life! Thank you for continuing to provide your insight and expertise!! I am so grateful
Dave Ramsey's book changed our life financially we are dept free and happy. Helping others who are having issues. Thanks Dave.
“Godliness with contentment is great gain” just meditate on that for a moment before you budget or spend money and it truly helps your mindset. Good video y’all! ❤️
I've been practicing Gratitude for what I have.😁
Amen!!
Besides the wonderful message to help others I cannot help but appreciate and admire the wonderful relationship between father and daughter. It's refreshing to see them have a good discussion and lots of laughter! God bless!
Loved the quote "love your life and not theirs" thank you. Happy New Year!
Happy New Year Dave. I’m still paying my last bill with gazelle speed. Almost at the finished line. Best wishes to everyone.
Rachel is the most millenial of the Ramsey personalities, which makes these videos real funny
I like her point of view a lot better than his.
every new years, I make a resolution based on finances. 2 years ago after discovering Dave Ramsey and his baby steps I made the resolution to pay my car off that year (2 years early on the loan) and I accomplished that goal. The following year I made the resolution to pay off my boat (3 years early on the loan) and I accomplished that goal. This year my goal is to get my 6 month emergency fund saved up. My bank account is currently the lowest it's ever been with just under 2 months expenses saved up with some big bills coming up in January and February, but by March if everything goes right I should be back up to about 3-4 months of expenses, but I'm more comfortable with 6 months. The house is set to be paid off in 2 years with minimum payments left, and I have no kids so no college fund to worry about.
You're doing Dave Ish :)
@@LyonsArcade yep, but it's worked for me. the only debt I have now is $7,500 on my house. I can't wipe out my bank account paying debts off because I always have some multiple thousand dollar expense pop up every year out of the blue
Well done and all that, but why did you have a boat and a car on loans for that amount of time haha
the car was on 4 years out of a 6 year loan when I paid it off ($30k car), and the boat was on 1.5 years out of a 4 year loan when paid off... I didn't exactly have the money in the bank to buy them out right. That's why I just get loans and pay them off several years early.
@GamerTechGuy well, technically it's a yacht. 36ft aft cabin cruiser with 2 bedrooms and 2 bathrooms... but it's paid for now
I LOVED the part where you guys spoke about putting your future in the hands of others. I am almost done with my car note and it’s my last aside from my home loan. I feel much more confident to deal with raises and promotions.
This video was about so much more than money. Thank you both.
“Great place to go when you are broke- to work” truth
I love how you two communicate together ... gave me a chuckle
Thanks Rachel and to your father. You both are great examples of what potential don't see in themselves. Be patience with ourselves go slow and steady, you will win the race.
Rachel, thanks for clarifying with Dave about "the cool kids" versus "the people who think we're 'too basic' and don't truly understand finance.'" You nailed some of my relational issues I've encountered when trying to explain DR. For me, "basic" has been working over the last 8 years. I've been really happy with the results. Thank you so much. Slow and Steady, baby.
thank you 🙏 I learn a lot from Dave Ramsey and his daughter I am almost debt free
I just finished my aesthetic course and that’s my future and doing less hours and more money, and now I reduced the day to work and now my goal is trying saving my money toward my retirement x 2022 oh s going to be a good and positive year ❤️🇬🇧🙏
Truth. That's what we have here. No matter what...this teaching is never going to change because it works.
Thank you! I decided to pay off my student loans as soon they granted the extension till May. I got tired of waiting and thankfully I was able to pay them all of on my own, a sacrifice that was worth because I did it not the government.
Proud of you!!!! I know many who are just waiting for the govt to do it for them.....sad....
This was so helpful and convicting. Thanks, Ramsey people!
So happy to see you both in this video 🎉 I’ve learned so much from Mr Ramsey throughout the years. 2022 makes 10 years since following Mr Ramsey. I’m so grateful to have learned the wisdom he shares. It’s helped my family and I through all the different seasons in life. May God continue to pour into you and continue to help families live a blessed content abundant life 💖
Yes to everything about Mr. Ramsey. No to Rachael who cannot talk without laughing!
I do the same thing and fill my online carts and don’t buy. I think it’s like virtual window shopping which I used to do.
I add things to my cart all the time and delete them. I thought I was the only one. It does feel good. 😁
Me too! 🤗 I then mull over it and convince myself that I didn't need it. 🙃
Thanks for being with us through our baby steps.
I love Dave
Love the crypto discussion, thank you!! These guys are so great, every time I listen to them; I learn something, or I get motivated or I gain a great saying to put in my back pocket. Love it, Dave & Rachel thank you for doing what you do!
Thank you very much. This money management lessons are remarkably educative, motivative and inspiring. God bless.
YES do the parenting podcast!
Parenting podcast with them!! Yessssssss!
What an interesting revelation about Speculation/Rampant Consumerism being a Spiritual position - ABSOLUTELY! Put on your Armour daily xx
So excited to see this. Just yesterday I looked to see if you and your dad did this lesson. I watched last year's and it helped me a lot. I am almost done paying off our car, then just the house. Thank you x a million 🙂
Rachel being honest about her assumptions of people with nice things going on nice vacations. 🤣 I do that with people who have really clean houses. "She probably hires a house cleaner." Makes me feel better about myself. 😂
What I do with my wife is we put in 20% of our pays monthly into a family investment plan and still contribute towards our 401k individually using the rest for other expenses and favorites
Nice strategy, how do you mean family investments ? I am looking much to setup investments in stocks and other assets but have no clue how to start but now you mentioned it
I don't trade myself, I do this through my broker / IA Mr Benjamin ravies if you want he could help you too
Can I invest in American stocks from India, how do I invest offshore and will I be taxed? Please guide me
@@begottivince6711 I will like to connect with your IA please if you don't mind, how can I find him
Benjamin ravies (a gmai comm to mail him okay
i feel pretty cool investing into our retirement. i’ve seen the struggles my older families have had not having any retirement & now that we have started & in our early 30s, is just a weight off my shoulders. i don’t care about the hot new thing. i want our future to be secure more then being popular.
Thank you both for this great video. I love to see the father and daughter interactions. You can feel the genuineness. I hope you both have a blessed year!!!
I love this man's honestly. Your life is your job
Great team up Dave and Rachel! Thank you for clarifying crypto
as being speculative. Love your passion Rachel ❤️
The video is good 😎😎. How about Kyrrex 🙄? Was there already a conversation or a dedicated video 🤔🤔?? I read about this project myself a little, but I didn't really understand ☹️ if you could explain what it is! Would be grateful 🙄🙄!
I’m glad I watched this. Thank you, Dave and Rachel!
I think people need to spend money on something, so instead of spending it on stuff you don't need, spend it on investments, your mortgage, follow the principles. Then you can at least feel you spending money when you start paying off your mortgage. My goal this year is to throw more money at my mortgage. Thanks to the Ramsey show for keeping us all focused, thank you!
Good idea
That’s how I view spending money. I would rather invest and pay down my mortgage instead of buying useless items.
I have literally been looking at luxury bags and found myself doing the same thing you were talking about... the PayPal after pay...the hiding of products so my husband doesn't get on me. But I found my way back to Ramsey solutions on UA-cam via watching luxury minimalism (colorful noir) and realizing she is saying the same thing Dave says. And as a woman I love how you explain your own thoughts which are similar to mine!
I'm so grateful for this video. The simplicity of conversation and the ease of how you speak . I've have learned. And my biggest problem it's my ego . I hope I remain humble and stay the course. Thanks Uncle Dave
Thank you for this! Absolutely honest, real and helpful!! Blessings to you both!!
I enjoyed this video so much last year & so happy to see another similar video for 2022! Thank You!
Great content, great delivery! Happy New Year! Ready to do this!!😁💪🏼 so tired of not following through and sabotaging myself...ready to move forward and not look back!
Your habit of putting items in your online cart and then leaving the website works! I also did this when shopping a real store (especially with clothing). I touch it or try it on, put it in my cart, walk around the store with it and then put it back. Having items in my physical cart gave me that feeling of possession and putting them back saved me money!
I agree! I’ve done this in the past where I would have something in my cart for awhile and if I spend too much time in the store/get tired I no longer want the item anymore
Thanks to Dave for teaching me about emergency funds and sinking funds. Pandemic time my family was fine because I had money saved and could buy necessities when I heard people were “panic buying “. Thanks to the
Preppers who taught me about stocking a pantry to survive crazy times. ❤️
Love me some Papa Dave, and love Rachel! 😊
putting stuff in a cart and then leaving it is modern 'window-shopping'!
I do the same thing with stuff in my cart on Amazon etc.
Such a great conversation. Thank you so much!
Great points of conversations 🥰
Thank you
He’s so positive! “It’s going to be a good year.” The rest of us are like, uhhhh you sure about that?
I put stuff on my shopping list online. Then I let it sit. Then I see if the need for anything comes back. If it does, I think again about buying the item. If not I consider just deleting it. Most items end up deleted. It really eliminates impulse buys.
All the best to you both Rachel and your Dad. Thank you for sharing this episode to start a great 2022 ahead🥂🍾🎉🥳❤️
Great content! I really enjoyed it! Thanks you guys 💕
thank you as always and happy new year!
Love hearing Dave Ramsey’s wisdom. No one in my family gives or practices advice like this so I’m so thankful that I have this outlet.
You guys are WONDERFUL!! I leaned and enjoyed a lot! Thanks!
That’s what I do since I started following your dad about 3 -4 years ago. Now it takes me about a year to buy one shoe 👞 😁
i love how blunt your dad is
Thank you always watching your show love your teachings awesome
You guys are adorable together, great job of raising such a smart, and wonderful daughter Dave!
yep, yep, 10 times yep. totally agree. It works!
Thank you so much for sharing this tips. Happy New Year! :)
Thank you so much for helping me & so many people! Dave, people have their opinions about you, I know I did.
However, as the years have flown by, I've developed an appreciation for you.l! Only once Ive changed my perspective in regards to my own personal finances (about 7years ago) I stopped being angry, particularly at monitary "successful folks". I decided to put my "man pants" on & took responsibility for where I was at in Life! Once again, I say thanks Dave & of course you too Rachel 😊.
Thanks for being a light in a world where there is currently so much darkness! Much love ❤️
Great video...love and respect.
I love Dave's no BS talks.
I do the same thing. When I see people on vacation or in TEslas because the stats are the stats most people don't own anything they just renting.
Excellent!
You guys make conversations about money and debt so interesting. Good job and godbless
Good Good Show Guys!
Thank you so much.
Rachel has a secret stash of Bitcoin, I can tell 😂
I have always wondered whenever Dave retires and steps away, will the company’s model for its baby steps ever change? Or will things be updated in anyway?
Dave Ramsey has helped so many people that were willing to learn and not be prideful.
I just downloaded every dollar because I wanted to track my spending since I just moved and live a diffferent lifestyle. When I saw it said Dave Ramsey I was so excited. Thank you for the free app gift
This is so good and timely. Thank you so much for sharing
I really appreciate your perspectives ✌🏽
these are current and spot on!
Bud-get..... the beginning of getting.
Rachel is my favorite on the show other than Dave Ramsey of course she reminds me of Jen Hobby she was a radio talk show host used to be on the Burt show
That's exactly what I do on Amazon. I window shop by putting items in my cart and wait a few days. If I really need it I buy only when I can afford it.
Preach!!! I love ya'll!!!
I see papa Dave looking FIT. 👀 😍
I really appreciate the WOMANLY sensitivity and transparency that she has about money. ❤️ Thanks for this Daddy and Daughter!
It's truly the little things that add up! A great reminder.
I live in North Country and have had Amish do some work on my home. I’ve been to their mill and realized they are happy where they are and what they have. I am so intrigued by the way they live without electricity, internet, cars etc. when everyone in their town has those things. How do they stay humble?
just remember, the amish are also notorious for animal cruelty. where I live, they are the most common locations of puppy mills
@@drunclecookie216 maybe that's where they get $$$$
Also, I know Rachel built a house recently! Can she do an episode on the process of doing that with cash?!!!!