0:24 - That's Just WRONG! - Dave Ramsey Rant 8:16 - Dave Ramsey Rants About The Metaverse! 17:03 - Why TurboTax Is Being Sued (We Warned You!) 21:14 - You Can’t Cancel the Truth About Winning With Money! - Dave Ramsey Rant 28:47 - THIS Is The Biggest Financial Fraud In America! - Dave Ramsey Rant 36:26 - This Pisses Me Off!
"Integrity" ... Having worked as an I.T. consultant for more than 40 years now, I can ABSOLUTELY correlate that point. I look at the people that I dealt with who had it, and they did well, and those who didn't have it flamed out, despite the 'Bible on the lobby table' and other such intentional indicators. That is such a key point. And Taxes: My accountant always says: "I hate paying taxes, but the fact that you have to means you are making money. The alternative is much worse!"
Dave I’m what many people would call left wing and I can honestly say you are awesome. you’ve helped millions of people get out of debt and drastically improve their lives-including me. Above all you are a truth teller and that is more important and valuable than anything else. There’s not enough of that in the world.
Thank you for what you do Dave! Just found you about 4 months ago and I had no idea I was already working the baby steps my whole life! My House is paid,2 vehicles paid , we don’t owe anyone anything!!! No credit card debt! And a over fully funded emergency fund of a years salary . And a good chunk invested in a retirement fund. I’ve been called cheap among other things because I was not willingly going in debt,use my vacation, and over spend on somebody’s destination wedding. Hell we only had a hand full of people at our wedding in town and it was just as special! I’m not a big reader but my little book I call my financial bible has been the “ wealthy barber “ book it’s a great little read. But if you could just do one thing to help your self is live with in your means ! Thank you Dave for what you do and I hope one day this becomes a mandatory class in our schools to get them before the credit card company does!!!!
Guys like the first caller are a dime a dozen. What’s ironic is that the guy who called probably has complained numerous times in his life about corruption and crooked politicians.
@@MightyMoji some parents or a lot of parents don’t know any better. I didn’t know anything about credit untill I was 30, I didn’t know how to buy a house didn’t learn about saving or anything financially
Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this. --Dave Ramsey
When some people got the stimulus money, they blew it. I looked at it, looked at my life and realized, I could afford to pay for technical college classes. The next stimulus cash flowed my next semester. I graduated with an Associates degree and no student debt from it.
i love this! People are sitting on their thumb ( butt lol ) waiting on SOMEONE else to swoop in and fix their lifes. If you dont get up, get out there, kill something and drag it home, youre screwed! Ain't this the truth. my goodness! I want to thank you guys so much for this, im on baby step #2
Love what Dave said on the first call about his taxes! That's for all those commenters out there who are always whining about how Dave takes every loophole on his taxes. There's a big difference between loopholes and doing something illegal.
No it's not immoral on any level. You actually find out what you are owed to the government looking at the ACTUAL rules and loopholes rather than being stupid and pay more in taxes. You are not stealing money from those who need it or using schemes that are meant for people in need but saving your own earnings by being smart. Thats not unethical. But if you don't pay it or if you are doing shady things such as money laundering than yes you are unethical. @@NWI_Steel
Dave's talk on personal responsibility goes way further than just finances. People lack it in nearly every aspect of their life. Though I do think that is what he teaches anyways. Social Media unfortunately is the plague on peoples minds in terms of thinking you are not living life properly. Living within your means is about all you need to become rich. I'm so thankful I've followed that advice for over a decade. Hoping to nearly outright buy a home in the next few years thanks to it.
Fanatical levels of integrity exists in those who look at the big picture, don’t do impulsive things, plan, delay gratification, play the long game, etc.
Wow, I had never heard the first call until now... that's disgusting of that caller to not even care about abusing the system. Makes me sad for our future as a society, I'm betting he's not the only one that thinks that way.
To me the sad thing is that the ultra rich and all large corporations work to minimize their tax bill at much as feasible. Is that immoral as well? I think it definitely is; everyone should pay their fair share. Any tax code will have unintended consequences and loopholes. Those with the most money just have the resources and ROI to make tax avoidance an annual occurrence.
So glad the first guy called and got the Ramsey special. That’s the problem. I paid my way through 9 years of college and came out debt free with a high paying job and I didn’t expect ANYONE to pay ANYTHING for me. I think because I was raised that way and my parents and grandparents saw that was my mindset they felt good about helping from time to time when my car was broke down or I needed an extra room to stay in because I didn’t want to sign a new lease in a bad area when I was almost there in terms of success. Young people are killing us. They’re bleeding us because they don’t care AT ALL to use our money but you wait. One day it’ll be them and their jaw will drop when they’re hit with the concept from the other end of the stick.
Hilarious how the video starts with Dave saying no one got rich scamming the government, and toward the end talks about how people got rich scamming the government
Never should have shut down anything...... If people were terrified, they should have the freedom to shut themselves down. The fearful should not have had the power to shut down the people who weren't afraid against their will. But that's exactly what happened.
hard for me to believe the number 1 predictor of great welth is integrity. It appears that most people that are extremely rich are not the most integrous. How on earth do you research individual integrity without doing a deep investigation to learn if your subjects are lying?
My neighbors are retired and recently they had to take a second mortgage on their property because they spent a very large amount of money on a game. I think it’s farm vill or something like that. Their plan was to sell what they “invested in” they lost big time. I’m pretty confident they lost 200k.
Im so glad that i dont have to make the same mistake that you made . Thank you for sharing ur history. ❤ i can simply follow baby steps. I dont have time to invest wrong, to learn from my mistakes, thank you!!!!
Gotta say; I think we have societal blindspots as to what counts as integrity. When you look at how duplicitous and can kicking our institutions are, it's hard to think many rich people actually have much integrity. Maybe to their "in group," but now you again "sort of" have integrity AKA you don't.
An integer is a countable number (1, 2, 3, etc.) but also including zero and negative numbers. "Whole" numbers are the subset of integers NOT including negative numbers. "Natural" numbers are whole numbers, but not including zero. Fun, seemingly arbitrary stuff.
Seeing Dave try to wrap his head around paid downloaded content and online micro transactions is hilarious. I have paid money to decorate my virtual house haha.
The hustle and grind mentality lasted a year on social media, then everyone changed the narrative and said they're only going to do the bare minimum and expect more from that 💀
It's about power and control. Even the almighty Al Capone was brought down not because of his ties with the bootleggers and the Mob, but, get this, income tax evasion.
I once heard a story that lots of college students were buying Bitcoin with their college loans. I can't think of a stupider way to waste a college loan.
I follow the DR show and I agree with most of his teachings, and he has taught me much. But I think he is wrong about credit cards. I pay my balance in full each month. What is wrong with getting rewards of 2 to 5% for each purchase? Also, credit cards make life much easier and safer than carrying a wallet full of money. One more thing why would I drive a 20-year-old car, when I could buy a new car every 4 or 5 years with the latest technology and safety features? I do save and spent sensibly so I could afford these luxuries.
this is an extreme case of misuse of student loans, vast majority of students, only have this option for higher education. as much as I like Dave Ramsey, he is against student loans no matter what.
Yes kids today are so much more sophisticated than we were. We payed actual money to furnish our doll or Barbie houses ( that we actually had in our hands) versus paying actual money to funish something that doesn't actually exist. Vicki
Son if government is forgiving your student loan...you will be foolish not to take it.....business get all sorts of ways to reduce their taxes... businesses do it all the time they call it fancy names......tax incentives etc
Jesus Christ died for our sins according to the scriptures and that he was buried and that he rose again the third day praying for everyone everyday God bless you all
I just want to comment on some of the FarmVille stuff. I see a lot of older people that laugh and joke when people buy things in games and spend real money, but what isn’t talked about is at the end of the day it’s entertainment. So spending $20 on a game item or skin or whatever is no different than spending that same $20 on a movie ticket. Both way you have nothing physical to show for it. You either have a memory of a movie or you have a fantasy item which at the end of the day neither of them help you out in any real life situation. But I do agree with Dave where like anything this can become a problem and people can get too wrapped up in what they have in game and forget that it’s not real but I think that’s the 1% extreme of gamers.
I just did the math. $1,770,000,000,000 (yes trillion) in current student loan debt DIVIDED by 158,000,000 (million, for the ignorant college students......) working Americans equals over $11,000 per working American citizen. I'm a Highschool dropout, making a $100,000 salary. Why the fuck am I paying for you????
My HUGE problem w the first guy is this: you have the blessing to be debt free, no dorm, no tuition, and you DECIDED. DECIDED!!! To go and buy a stupid ass $10,000 car on the HOPE that they’ll forgive it… there’s real people out there hoping and praying they get forgiven because they are struggling to pay a loan they NEEDED to try to go to school and here you are trying to join them for a stupidass car you didn’t need…….. just arrogant and, if I didn’t say it enough, stupid!
Considering tons of students use their allocated student loans to go to concerts, party, and fund their drug addictions it ain't that bad to pay off a car. Not much different from business owners buying things for "work" and making them as a write off.
0:24 - That's Just WRONG! - Dave Ramsey Rant
8:16 - Dave Ramsey Rants About The Metaverse!
17:03 - Why TurboTax Is Being Sued (We Warned You!)
21:14 - You Can’t Cancel the Truth About Winning With Money! - Dave Ramsey Rant
28:47 - THIS Is The Biggest Financial Fraud In America! - Dave Ramsey Rant
36:26 - This Pisses Me Off!
0pp0p0
I’m DuI’m susI’m usud usudud lyesteusstu
Dude you so blown. You said 500 million .... Half a trillion 😂😂
Referring to the stimulus rant as it was said many times by both my grandfathers if someone says I’m from the government I’m here to help RUN
Dave: "You don't get rich scaming the government and the taxpayers"
Every modern politician ever: "Uhhhhh"
Growing up, i had nobody actually teach me the value of integrity. Dave has been the first one. Thank you sir.
I have a UA-cam playlist of Dave Ramsey rants. Not lying. I got back and watch them all the time for inspiration.
You're not the only one.
"Integrity" ... Having worked as an I.T. consultant for more than 40 years now, I can ABSOLUTELY correlate that point. I look at the people that I dealt with who had it, and they did well, and those who didn't have it flamed out, despite the 'Bible on the lobby table' and other such intentional indicators. That is such a key point.
And Taxes: My accountant always says: "I hate paying taxes, but the fact that you have to means you are making money. The alternative is much worse!"
I guess the first caller didn’t realize he was proposing fraud. Happy Dave reacted strongly. The young man, maybe, was never taught.
Also, he was already getting so much. I hope he realized how lucky he is.
What’s sad is that it’s not fraud according to Biden’s student loan forgiveness plan. It’s completely legal.
How is it fraud if the car is for going back and forth to class?
@@jonathansands8983 Because Student loans aren't for cars.
it's only fraud because he isn't a politician.
Having Integrity is EVERYTHING!!
Integrity cost me a job one time. But I will always have my Morals, Integrity and Work Ethic. I need my foundation in everything I do.
Dave I’m what many people would call left wing and I can honestly say you are awesome. you’ve helped millions of people get out of debt and drastically improve their lives-including me. Above all you are a truth teller and that is more important and valuable than anything else. There’s not enough of that in the world.
He has! He could have been sitting by his pool and resting his head instead of trying to help others with there money problems
Thank you for what you do Dave! Just found you about 4 months ago and I had no idea I was already working the baby steps my whole life! My House is paid,2 vehicles paid , we don’t owe anyone anything!!! No credit card debt! And a over fully funded emergency fund of a years salary . And a good chunk invested in a retirement fund. I’ve been called cheap among other things because I was not willingly going in debt,use my vacation, and over spend on somebody’s destination wedding. Hell we only had a hand full of people at our wedding in town and it was just as special! I’m not a big reader but my little book I call my financial bible has been the “ wealthy barber “ book it’s a great little read. But if you could just do one thing to help your self is live with in your means ! Thank you Dave for what you do and I hope one day this becomes a mandatory class in our schools to get them before the credit card company does!!!!
Guys like the first caller are a dime a dozen. What’s ironic is that the guy who called probably has complained numerous times in his life about corruption and crooked politicians.
Note how he started off with “the left” but then wanted to ride with scamming
Lol exactly. The “everyone else does it so I’d be a fool not to” mindset
I feel like Dave Ramsey should be a required course in high school or even jr high. We talk about a budget or income like it’s taboo with our kids.
His classes are taught in a lot of schools
You could help make this happen in your local schools
Amen!
Or, hear me out, parents can take responsibility for not teaching their kids key life lessons.
@@MightyMoji some parents or a lot of parents don’t know any better. I didn’t know anything about credit untill I was 30, I didn’t know how to buy a house didn’t learn about saving or anything financially
Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this. --Dave Ramsey
Faxx
Whenever I have to make financial decisions I tend to watch his rant and do it correctly 😅
Anytime I want a new car, I watch his show.
Then I go get something with my current car to make me appreciate it more 😅
The third one I remember he did during the pandemic. I was listened to it while doing Uber eats in LA. I made so many tips during those days.
When some people got the stimulus money, they blew it. I looked at it, looked at my life and realized, I could afford to pay for technical college classes. The next stimulus cash flowed my next semester. I graduated with an Associates degree and no student debt from it.
I dumped mine into tesla and other stocks and made 5k
i love this! People are sitting on their thumb ( butt lol ) waiting on SOMEONE else to swoop in and fix their lifes. If you dont get up, get out there, kill something and drag it home, youre screwed! Ain't this the truth. my goodness!
I want to thank you guys so much for this, im on baby step #2
Love what Dave said on the first call about his taxes! That's for all those commenters out there who are always whining about how Dave takes every loophole on his taxes. There's a big difference between loopholes and doing something illegal.
While highly immoral and unethical, it's not illegal.
No it's not immoral on any level. You actually find out what you are owed to the government looking at the ACTUAL rules and loopholes rather than being stupid and pay more in taxes. You are not stealing money from those who need it or using schemes that are meant for people in need but saving your own earnings by being smart. Thats not unethical. But if you don't pay it or if you are doing shady things such as money laundering than yes you are unethical. @@NWI_Steel
Love Dave’s rant in the middle of this episode!!
Best motivational talks I’ve ever heard are Dave’s!
Suck it up Buttercup 😂
Dave's talk on personal responsibility goes way further than just finances. People lack it in nearly every aspect of their life. Though I do think that is what he teaches anyways.
Social Media unfortunately is the plague on peoples minds in terms of thinking you are not living life properly. Living within your means is about all you need to become rich. I'm so thankful I've followed that advice for over a decade. Hoping to nearly outright buy a home in the next few years thanks to it.
Fanatical levels of integrity exists in those who look at the big picture, don’t do impulsive things, plan, delay gratification, play the long game, etc.
😂I love these rants. Dave should have been a comedian
❤ George & Dave so true honest guys
Great seeing Dave in action. Very strong in his debt-free principle. Great work!
My father always says, “how much is your integrity worth?” I hope that young man realizes his integrity is worth more than $10,000
Wow, I had never heard the first call until now... that's disgusting of that caller to not even care about abusing the system. Makes me sad for our future as a society, I'm betting he's not the only one that thinks that way.
He even knew it was immoral and still wanted to take from the taxpayers. The left is disgusting
To me the sad thing is that the ultra rich and all large corporations work to minimize their tax bill at much as feasible. Is that immoral as well? I think it definitely is; everyone should pay their fair share. Any tax code will have unintended consequences and loopholes. Those with the most money just have the resources and ROI to make tax avoidance an annual occurrence.
Sadly he's probably not
Me too, and I listen to all episodes.
They take so much of our taxes it’s bs they already have enough with the normal taxes they take already from us
"I mean if theyre letting you do it, why not do it??"
"DoNT HaTe thE PlaYeR, HatE tHe Game"
This mindset is sick.
I can’t even believe the first caller asked that.
You can’t use your student loans for anything not related to school.
In canada you can use your student loan for whatever you want.
So glad the first guy called and got the Ramsey special. That’s the problem. I paid my way through 9 years of college and came out debt free with a high paying job and I didn’t expect ANYONE to pay ANYTHING for me. I think because I was raised that way and my parents and grandparents saw that was my mindset they felt good about helping from time to time when my car was broke down or I needed an extra room to stay in because I didn’t want to sign a new lease in a bad area when I was almost there in terms of success. Young people are killing us. They’re bleeding us because they don’t care AT ALL to use our money but you wait. One day it’ll be them and their jaw will drop when they’re hit with the concept from the other end of the stick.
I don’t agree with Dave Ramsey politically but he’s absolutely 100% correct about personal responsibility in financial behavior
That first call did not age well lol
Hopefully, he didn't do it lol
Thank you Dave!
Hilarious how the video starts with Dave saying no one got rich scamming the government, and toward the end talks about how people got rich scamming the government
Never should have shut down anything...... If people were terrified, they should have the freedom to shut themselves down. The fearful should not have had the power to shut down the people who weren't afraid against their will. But that's exactly what happened.
Thank you for sharing interesting content.
Your borrow, your sorrow- Boo-Hoo. Pay what you owe people!!
With 81000 new IRS agents armed with guns they will find something you did wrong😅
Oooh!!! Virtual exercise, virtual weight loss, baby virtually sleeping through the night…. Sign me up 🤦🏻♀️🤦🏻♀️🤦🏻♀️
Dave Ramsey discovering micro transactions is hilarious
hard for me to believe the number 1 predictor of great welth is integrity. It appears that most people that are extremely rich are not the most integrous. How on earth do you research individual integrity without doing a deep investigation to learn if your subjects are lying?
My neighbors are retired and recently they had to take a second mortgage on their property because they spent a very large amount of money on a game. I think it’s farm vill or something like that. Their plan was to sell what they “invested in” they lost big time. I’m pretty confident they lost 200k.
There are so many people that did that with student loans they shouldn't be forgiven. It's the democratic party paying its recruits
Im so glad that i dont have to make the same mistake that you made . Thank you for sharing ur history. ❤ i can simply follow baby steps. I dont have time to invest wrong, to learn from my mistakes, thank you!!!!
Gotta say; I think we have societal blindspots as to what counts as integrity. When you look at how duplicitous and can kicking our institutions are, it's hard to think many rich people actually have much integrity. Maybe to their "in group," but now you again "sort of" have integrity AKA you don't.
An integer is a countable number (1, 2, 3, etc.) but also including zero and negative numbers. "Whole" numbers are the subset of integers NOT including negative numbers. "Natural" numbers are whole numbers, but not including zero. Fun, seemingly arbitrary stuff.
Seeing Dave try to wrap his head around paid downloaded content and online micro transactions is hilarious. I have paid money to decorate my virtual house haha.
I’m a nurse and Covid was VERY real. Not sure why people still don’t understand that.
The hustle and grind mentality lasted a year on social media, then everyone changed the narrative and said they're only going to do the bare minimum and expect more from that 💀
Captain Hindsight in operation 😅
Thanks
The balls all on the first caller. Sheesh.
The in app microtransactions for a game are for entertainment. Like going to the movies.
The Ramsey Show is Wisdom.
Oh Dave it’s old women playing FarmVille. 🤦🏻♀️🤣🤣
Why do I have to pay taxes if they just print the money
It's about power and control. Even the almighty Al Capone was brought down not because of his ties with the bootleggers and the Mob, but, get this, income tax evasion.
I THINK Dave is like me and didn't take any of the experimental jabby
I once heard a story that lots of college students were buying Bitcoin with their college loans. I can't think of a stupider way to waste a college loan.
21:14 rant reminded me of that apparently fat kid lol😂
Amen to all, especially the part we're not supposed to talk about.
I follow the DR show and I agree with most of his teachings, and he has taught me much. But I think he is wrong about credit cards. I pay my balance in full each month. What is wrong with getting rewards of 2 to 5% for each purchase? Also, credit cards make life much easier and safer than carrying a wallet full of money. One more thing why would I drive a 20-year-old car, when I could buy a new car every 4 or 5 years with the latest technology and safety features? I do save and spent sensibly so I could afford these luxuries.
Virtual Reality
Alternative Facts.
Both the same in this crazy world.
Just wait until everybody has grown up with vr. That will be the biggest disconnect from reality.
Amen on TurboTax!
this is an extreme case of misuse of student loans, vast majority of students, only have this option for higher education.
as much as I like Dave Ramsey, he is against student loans no matter what.
Yes kids today are so much more sophisticated than we were. We payed actual money to furnish our doll or Barbie houses ( that we actually had in our hands) versus paying actual money to funish something that doesn't actually exist. Vicki
Dave Ramsey rants about metaverse - There's a WHOLE BIG group of people using real money to buy fake "poker" money to play poker games online!
Turbo tax is great and sounds like accountants are mad?
Yeah, that first guy would've pissed me off.
Son if government is forgiving your student loan...you will be foolish not to take it.....business get all sorts of ways to reduce their taxes... businesses do it all the time they call it fancy names......tax incentives etc
I hope the first guy went through with it and is now stuck with an auto loan that he can't discharge
Hello 👋 Mr. Ramsey! The forgiveness has been postponed to October 23, 2022.
Well technically the entire video game industry is made up of something that isn't really there
33:00 onwards yoo. Damn. That's mad
Ok cool but how do you quanitify and measure integrity?
Farmville was a game for adults.
I wonder how he feels about the child credit lol give ppl with kids 300 each a month
Jesus Christ died for our sins according to the scriptures and that he was buried and that he rose again the third day praying for everyone everyday God bless you all
So what?
That has everything to do with this video! Thanks!
Yet ppl keep sining
@@ethangamer3173 *Sinning
Uhhh, I think you’re in the wrong chat.
George is awesome
Dave, which PARTY has RAISED the Nat'l debt the MOST! Hint: Think Red 2nd Hint: Orange blob you love RASIED it 40% by himself
Farmville
I just want to comment on some of the FarmVille stuff. I see a lot of older people that laugh and joke when people buy things in games and spend real money, but what isn’t talked about is at the end of the day it’s entertainment. So spending $20 on a game item or skin or whatever is no different than spending that same $20 on a movie ticket. Both way you have nothing physical to show for it. You either have a memory of a movie or you have a fantasy item which at the end of the day neither of them help you out in any real life situation. But I do agree with Dave where like anything this can become a problem and people can get too wrapped up in what they have in game and forget that it’s not real but I think that’s the 1% extreme of gamers.
How do you feel about getting a loan from your 401k to consolidate debt and and pay yourself interest? Then work at paying that off faster.
I just did the math. $1,770,000,000,000 (yes trillion) in current student loan debt DIVIDED by 158,000,000 (million, for the ignorant college students......) working Americans equals over $11,000 per working American citizen. I'm a Highschool dropout, making a $100,000 salary. Why the fuck am I paying for you????
He can use a student loan to pay off the car loan... IF he actually plans to pay it off someday.
excuse me, but I have a couple of patients dying of Covid now, 10/2/2023
They're paying for it now though
Your whole business model is about wealth redistribution. I’m a lefty and back your model. Don’t write us all off!
Just don't roll all lefties in together. We aren't all that stupid
If everyones stealing the governments money why shouldn't i also, if i have to pay for it in taxes, then why shouldn't i extort it
If your friends are jumping off the cliff are you gonna do it as well?
My HUGE problem w the first guy is this: you have the blessing to be debt free, no dorm, no tuition, and you DECIDED. DECIDED!!! To go and buy a stupid ass $10,000 car on the HOPE that they’ll forgive it… there’s real people out there hoping and praying they get forgiven because they are struggling to pay a loan they NEEDED to try to go to school and here you are trying to join them for a stupidass car you didn’t need…….. just arrogant and, if I didn’t say it enough, stupid!
So these kids will be depressed someday seeing their bank account with virtual money in it and their broke.
I only know middle-aged adults that played farmville.
Abuse of free taxpayer money? No wayyy.
Jacob wasnt decietful according to the bible. It was his father in law-Lavan, who decieted Jacob.
I before e except after c. Also it is "deceived"
But on taxes. At what point does it become your duty not to fund a tyrannical government
UA-cam censor all comments 😅
This is the mindset this Administration has developed. Me, Me, Me. Zero integrity.
i wonder if ramsey applies his thinking for immigrants.
CAN I GET AN AMEN!?
WHEN Jesus Christ REDEEMS YOUR LIFE IT IS CHANGED FOREVER AMEN HALLELUJAH praise God praying for everyone everyday God bless you all
So what?
Considering tons of students use their allocated student loans to go to concerts, party, and fund their drug addictions it ain't that bad to pay off a car. Not much different from business owners buying things for "work" and making them as a write off.
No it’s called fraud
Big difference