My husband and I are 26 and 24. We came out of college with $60,000 in debt, and we realized we would never be able to afford our bills and have a kid. We stumbled across Dave Ramsey on complete accident, and we paid off all our debt in 19 months. Now we have a baby on the way AND financial security. Thank you Dave Ramsey!
Question: if you were able to pay off $60,000 in 19 months then why did you think youd never be able to afford bills or a kid? Geez i can afford a kid and it would take me a decade or more to pay off 60 grand..
Congratulations!!! We also stumbled on Dave Ramsey by accident! We paid of $76K in 17 months 5 years ago! We're on track to pay off our mortgage in 7 years before our 40s! I'm so thankful for Dave and his information 🙏
@@amattson6578 We worked extra jobs, worked overtime, and sold so much stuff that we didn't need. There's nothing special about Dave's advice. He just motivated us with knowledge and we took action. 5 years later we do not regret it! 17 months was such a short sacrifice in the grand scheme of things
Best of luck John!! You can do this my friend. I'm starting baby step # 2 tomorrow. A long way to go, but I see paradise at the end of the journey. It's time to live like no one else . . .
I've paid off over $20K in debt over the last year by working Dave's plan. It does work! I'm down to my very last debt: $9,100. My goal is to be debt free by my birthday in September.
Reading books has really skyrocket the way I think about investing. Indeed, no one has ever got rich by saving money. If you want to become financially free, You need to Invest. I've come to realize that the key to amassing wealth lies in making sound investments.
Whichever firm you select, make sure you get your insurance from a reputable financial adviser, such as *Jenny Pamogas Canaya,* who has dedicated her career to financial planning. Because they will assist you in escalating, navigating better, and completing the task in a safer manner.||
"It's quite a surprise that you're acquainted with her as well. I've had the privilege of gaining significant profits while learning and investing under her guidance for the past few months. JENNY PAMOGAS CANAYA truly stands out as one of the most exceptional mentors and traders I've had the pleasure of collaborating with in recent years. Her expertise in navigating various market situations is truly remarkable."
well not so bad. Many people don't make decent money until they are in their 30s. The issue is did they avoid the debt? If you avoid debt then your still ok because most younger people don't really have money to invest. Harder to invest when making 20k as opposed to 50k+. so 30s still gives you 30 some odd years before retirement
I’m 15 years old watching, currently saving up money, selling random stuff I don’t need. Planning on not paying debt in college(I know I things don’t go as planned), but I have a high GPA and am a D1 athlete. I’m still unsure what I’m going to study but that’s okay and God can guide me through that. I’m going to buy a used car and everything. My parents had to put their life on hold because of the weight of their debt. At this point, I don’t care about what these girls my age will think of me and how I love, but at least I value my own well being and success over looking good to people who don’t care about me. PERIODTTT
The method he teaches works! I've cleared about $22000 in debt in 15 months using these steps. I sold off possessions (including a new car), rented out a room in my house, slashed my household expenses and put myself on a $3 to $4 a day food budget. I still have $15000 to go, but watching this video makes me feel energized. I can do this! So can you!
I'm 22 years old, will be closing on my house this Monday!! A coworker of mine sent me to Dave Ramsey! Wow so glad he did! Baby step one completed..... STEP TWO HERE I COME!! GOOD LUCK EVERYBODY. IM GOING TO BE CHASING THAT CHEETAH!
It happens to most of us. We have been conditioned to borrow and all of that, but the Bible says we are the lender and not the borrower, and we are the head and not the tail. Above only and not beneath in Jesus name. We will overcome!
Me too, and I'm 73. I'm starting all over while many of my friends have passed away, and I'm alone without any safety net. Income goes way down at this age. You never realize your age until it's too late...so pay attention to this man!
Dave Ramsey changed my life. We were able to clear around $130k in debt including our house and cash flowed 2 vehicle purchases in about 40 months. We’re glad we became debt free since I lost my job with the pandemic. We’re able to live off of one income and haven’t touched our emergency fund yet.
I'm in the Financial Peace University classes now. I'm starting over at age 73. Had many serious medical issues, however I'm not giving up. At least my debt is low, and I'm starting a temporary job in April that will really kick start my income flow. I'm determined to make this work.
You can do it Judith. Better late than never. Having a lot of money in the bank can decrease worry big time and being worried all the time is a big killer.
Congratulations Judith. I also am 73 yrs old. Trying to acquire my bus Degree here within 6mos. I hope. I changed into computer programming as of January of 2021. But, not another two years. So, I also I'am not giving up. About, this budget schedule, I should do very well, since I got a divorce years ago.
I still get emotional when I hear Dave tell us to Run, Run, RUNNNN!!!!! " Deliver yourself like a gazelle from the hand of the hunter" ...and you will be free! I love this intensity, God Bless you Dave!
26 and starting today! Landed a good job a little less than 2 years ago, I’ll be at 6 figures by next year. I’m changing my life. I will be a millionaire in my 30’s. I’ll come back and update this someday in the future.
Hope everyone listened to this man before the Corona crisis!! I am more than comfortable at 36, looking to retire early, even with the crisis I did not have to worry about anything.
How did you follow the math in this video? How did you read the slides? How did you follow the analogies and metaphors? How did you evaluate if what he was saying is accurate and beneficial? Maybe that schooling was worth something after all.
@@itsjay7237 What skills would you have liked to be taught in school that you weren't? (I have friends in education, some of which can make changes on a policy level. I'll pass on your suggestions.)
And don’t listen to the naysayers! They’re gonna try to convince you otherwise. I’m a walking testament to Dave’s baby steps. Follow his program. There’s nothing to buy so it won’t hurt if you follow them.
Okay I’m 23 and I’m so confused on what he actually means by monthly expenses, sounds silly I know but my father was kinda a drunk and more of a woman then a man growing up so I didn’t really get to learn, so yeah this is eye opening man. Any advice?
@@christopherdemmons4119 Monthly expenses (and someone who knows more about the DR method can correct me if wrong, please) are Rent/utilities/car payment/insurance/food - expenses/bills you have to pay every month that are necessary.
I'm right behind you (37). The good thing about our situation is that we know the other way doesn't work, so we don't have to waste time questioning that part of it. Just enjoy the rest of your long life debt free ^_^.
Wow you're doing great in life for 27! I wish I was as responsible as you when I was 27. Don't let anyone drag you down. Watch out for the wicked "divorce settlement". That takes down a lot of guys.
Although not mentioned in this video, Dave Ramsey doesn't give a crap about credit scores!! Why do you need a credit score? So you can borrow money? Hmmmmmm shm
I make roughly 24K a year and am trying to pay off the remainder of my car loan at 6K. I’m also a college student trying to make good grades while balancing my full time job. I listen to the Dave Ramsey podcast on my way to and from work to stay motivated. Bring it on 2020!
Dave Ramsey program is christianity based knowledge.When he says read read read read read!He's talking about the bible and scriptures where knowledge is power.Fear of the Lord is the beginning of wisdom.Amen
I'm very grateful to have grown up with parents that listened to Dave Ramsey's radio show. In a week, I will be 21 with a car that I bought in cash and no personal debt. I have $3,500 in the bank, but am working on getting that $1000 cash emergency fund.
If you have 3500 in the bank, you already have Baby Step 1 completed..Just do with that 1 grand how you wish involving having quick access to it be it leaving it in that bank account, putting it in a different one, or just yank out the cash and stuff that grand into an envelope labeled emergency fund, and hide it somewhere only you know about That leaves 2500 to go towards baby step 3 ( full 6 months of living expenses). Congrats gal. You're kicking ass
15 months ago... I started his baby steps. Today we’re done with Bs2. 30k paid off! I fought him in my thoughts for a month... kept listening to this speech a lot. And one day I believed it... looking behind I say thanks Dave. Love his passion!!!!
Dariusz...All the best to you and your family! Keep up the good work, stay patient and stay the course.......you will be so happy at your success in the end and you will enjoy great peace once all your debt is gone! Be strong....and then try never to get yourself into that situation again. God Bless!
I'll be 39 this year time to start now. Wish i'd seen this in my 20's but my time is now. Seems simple. Waiting on this refund i'll put that $1000 in savings. I make $28000/yr. Wish me luck guys
This guy is gonna change my life. My whole life I was broke making between 18k-22k a yr. I qualified for a state funded scholarship to acquire a cdl class a and became a truck driver. My first 2 years I built experience, made 60k and upgraded my license to cdl A with hazmat. Now I work in a union job making 70k and building a pension. I'm still living almost check to check because of stupid spending and trying to be like everyone else and build a credit score to be normal. Well now that changes. In about 15-18 months I will be debt free. Forget debt, my money is now going to work for me. I'm 36 yrs old and plan to retire a millionaire! It's good to be weird😁
Dude, I'm in the EXACT same situation. 37 years old, about to get my class A and want to knock out 40k debt. Only thing is I have to get my CDL on my own (didn't qualify for grants/loans). Good luck man, keep in touch!
@@tyroneebusiness1594 I didn't realize I had replies here. Since I posted that comment, I took control of my money, paid off my credit cards and closed them. I was able to buy a house just two months ago. I made sure I got into a mortgage that I can easily pay along with all bills plus have left over. Sometimes I slide into a little too much spending but when I realize I'm sliding back, I give myself a pep talk and remind myself that I came from being broke and don't want to go back. Stay focused!
Love Dave Ramsey and his teachings. This is stuff WORKS. My wife and I paid $50,000 in debt in 18 months (from April 2018 to November 2019). During those 18 months there was lots of sacrifice. I was working 3 jobs and was working 70 to 75 hrs a week. It was so WORTH IT. Now, I only focus on my main job, I work about 40 to 45 hours a week, and I sleep very well :). Because of my hard work, I’m getting ready for a promotion this year. We are in step number 5. In the 24 months that we have been working on this plan, our progress financially and as a married couple, has been so much more than what we have done in 10 years of marriage. I’m 37 years old. YOU CAN DO THIS !!!
I worked enough overtime last week to cover step 1. Tonight I created a nifty pay off "calendar" to post in my bedroom so it's the first thing I see when I wake up. it's 9 pages (9 different debts) in order from lowest to highest. Each page has the name of one debt in large bold font and in small font at the bottom has the remaining debts. So each time I pay off the debt and go to the next page I have a clear reminder of what I'm attacking while also seeing the debt list get smaller and smaller. We
I want to thank you Dave. My wife and I were in deep financial trouble in the early 1990'S. We bought Financial Peace shortly after it was released and it truly changed our lives. Today due to that book and 7 steps we have been debt free for close to 12 years. And believe me when I say it was NOT easy for us to start the process. NOW No debt, buy our pre-owned cars with cash, use credit cards as cash and can do what we want when we want to do it. What saddens me is that not enough people follow your advise. I have 3 people, 2 family members, i've given your books to over the years that were in deep financial trouble and not one took the advise. They continue to do the wrong things financially. Again, thank you Dave Ramsey.
Use to have the wrong mindset until I discovered Dave's method. I can honestly say this should be taught in every school. His knowledge on finance is incredibly helpful. Thanks to him I'm paying my debts wayyyy earlier than I ever imagined! I just have $2000 left and getting it done this month! I can't wait to be financially free!!!
Cardiackid Jones that’s dumb because you could put that money into an investment and come out ahead in the long run. Assuming the interest is less than 6%
@@jimmysyar889 know the percent you make is so little if you put it in the savings. But if you pay off the debt just saving so much money because you end up paying two and three times the amount of what you paid for the item.
Tracy Z not if you make 7-10% which is what the market goes up by on average over 30 years. An investment into a fund like the vanguard s&p 500 index fund will make way more than the interest costs for the mortgage.
I found Dave not all that long ago and he really got the wheels turning in my head. I cash flowed 100k in tools for work over 6 years and I paid off 47k in debt in a little over 2 years, I got a bit off track due to a workplace injury. Now I am going to work towards saving to purchase a home and my next goal is to have a paid for home before my mid 30s. Dave and his team are a God send!
nathan hardy well I was thinking about selling my perfectly great car to get another one and spend another 7 to 8,000 dollars to get it. Now on the other hand... not doing it!
I'm so amazed he's unashamed to speak about God and the Bible and if anyone says something against him can't go against his attained wisdom from the Bible and from the fruit of his lifestyle.
I wrote the below message 4 months ago. I have only one bill left to pay off. I could (or wouldn't) save a dime before! I am actually putting money IN my savings NOT pulling it out! Dave is amazing and I love his GUT honesty approach.
The baby steps work ... I'm on baby step 3 and it feels good. I come back to this video every time I feel a certain type of way. Thank you Dave and team ! God bless you.
I dread doing my monthly budget, especially when I've overspent that month on frivolous things. Don't wanna see the damage. But I put Dave on and he gives me that kick in ass. God bless you dave!
Bulletproof budget. Cut up the credit cards, dont borrow money, and sell your new car (if you bought one). Once you do your budget and start trimming off things you dont need or use you'll see the scales tipping to more money and less Bill's. That's where you start before the baby steps. Good luck my friend
I put him on at breakfast and even while K go to sleep some days it really makes me spend differently. I've got 24k owing... Going down 500 weekly...can't stand looking at it any more... More car payments
I'm 19 and have 6,000 in debt but luckily I'm already tired of being in debt and I still live free with my parents I plan on spending every penny I earn to clearing my debt
I’m 27. I have 5000 in savings. A 750 credit score and will be graduating from college next year with 40000 in student loans. This video has definitely got me motivated to jump start these student loans. Thank you Dave!
I'm 41 just found about Dave Ramsey because I was helping my son earn a credit for his junior HS year. I wish I would of found him when I was in HS. I guess it's never too late. My 3 boys will be taught his lessons. My husband and I will start now.
Hello homewood high school seniors in Economics My school isn’t perfect, but I’m honestly so glad that this school is trying to teach us about money. This is a real skill that we really need.
I’m 18 years old turning 19 in December. I started saving less than a year ago and sometimes work part time jobs and I’ve managed to save about 3.3k. I’m so obsessed with learning about money and finances as much as possible because I don’t want to struggle later in life. I see so many people commenting how they wish they seen this video in their 20s and here I am at 18. I know I’m off to a good start... anyone have any more tips for me on this journey to become financially independent?
I'm 34 and have been following the steps for less than a year. I'm already amazed at what I've been able to accomplish. This is so much more than getting out of debt, Dave's steps are truly the path to building wealth. Keep it simple: keep following his principles. Don't get pulled off the page by friends or family who don't understand what you're doing. The steps work. Keep it up, stay plugged in to these teachings via FB groups, social media, podcasts, etc. You got this! Congratulations
Emily, just posted this comment to another young lady's comment : 'You are so far ahead of your classmates. I've been doing financial planning for forty years, and ended up with plenty of money. The first trick is to start early. You've got that down. Continue to discipline yourself financially, and get the same feeling of well-being by saving money, that other folks get by spending money. As you become more financially curious, spend some time closely considering the process of asset allocation. Will be one of the most important decisions you'll make in your life.' I was in management for a few years. I would do new employee orientation. After I talked about all of the 'company stuff', I told them I was about to talk to them about something that would change their lives. They got all 'wide eyed'. Then I'd spend ten minutes talking a little about the importance of financial planning, including the most important part...START EARLY! You've started way early. Now you've got to maintain, and even build, your financial discipline. If you do that you'll be very financially comfortable at a young age.
I found him in my mid 30s and in 4 years my husband and I are from step 1 to step 6 and will be totally free paid off house in 10 to 13 years with retirement funding each year now. Thank you Dave Ramsey!!!
I remember watching his entire presentations in one of my financial literacy class and I never cared for his word. I’m 27 now, just paid off my $20k loan in 3 years which was scheduled for 7 years. I’m debt free and all I have is income flowing in now! 🙏🏼
I am so grateful I came across Dave Ramsey. I am learning alot, the first loan of 80k paid off today. Started my emergency fund, and paying off the other loans using the snowball method. Glory to God 🙏
Samantha Jacobo Start! It doesn’t have to be exactly how he says. Take his advice and modify it to your life. Google or UA-cam Dave Ramsey and others have shared how they got started. You can do it. One small step will give you hope
james billings www.trulia.com/p/ny/lancaster/88-sawyer-ave-lancaster-ny-14086--2012756582 www.trulia.com/p/ny/lancaster/88-sawyer-ave-lancaster-ny-14086--2012756582
"Deliver yourself like a gazelle from the hand of the hunter! RUN RUN RUN RUN RUN 🏃♀️. " My first time listening to Mr. Ramsey was at Bishop TD Jakes Mega Feast in Atlanta, GA. In 2005. He had animal planet videos of Gazelles being chased by the Chetah. His seminar was intense! I bought Financial Peace University for $99. I set everything in place. It changed our lives. I never regret the day I made the decision to listen to Mr. Ramsey. His method works! BABY STEPS WORK!
Im 36 and found this, wished i found this in my 20's..... HOWEVER, now i can teach my kids so they know better and not make the same mistakes I made when i was younger... for those who started "late" is better late than never, at least we can teach our children to be smarter with their finances.
Great content.... I intend to listen to this over and over again until it sinks in my spirit. May God bless Dave Ramsey for me; He is a Gift in this Generation. I can't wait to manifest success through these great insights. Am forever blessed.
My husband and I are about to embark on this journey. Taking our 15 and 12 year old sons along for the ride so they do not make the same mistakes we did.
Im seriously going to teach my kids about finances. I really wish they tough me this when i was in school because this is actually a main priority knowing how to manage your money.
You can do it! Gazelle international a must. We too are in our 40's. Debt free a year, now on bs3b! Sacrifice for your future be it retirement or kingdom building(us) or both.😉 Set financial goals and reset mental boundaries. Humble baby steps. God is able, we must be willing. God bless you
This time last year I was $38k in debt. Sold my car, garage sale, quit my job, got a higher paying job. Currently debt free, 12k invested, and looking at buying a house soon.
I found Dave Ramsey last year. Which i was 37. Im struggling thought this life. I have been wanting to call in talk to him. But im trying my hardest fix what i mess up.
in one of ramseys vids i commented why i am watching them. but i should of retired at age 35 with 15million dollars. but i got married, and let the spender wife make lots of debt..now i am watching this to one, make her happy now she is on this budget thing..finally..and now TWO...to figure out how to get back to that 15 million plan before age 60...cause i want to retire with some life left in me...not on my death bed.
I’ve been hearing so much of Dave Ramsey from the you tubers that I watch and decided I should see what the fuss is all about. I’m totally gonna do this. I’m gonna get to step 3 by my birthday.
Absolutely life-changing plan. We've been doing this for a few years now. BS 2 feels like it takes forever, but we just keep going. I come back to watch this video periodically for motivation. THIS PLAN WORKS.
I wish this had been a required class in highschool. I'm 21, don't have any debt yet and I'm working the family cattle ranch beside my father. I'm saving to buy my own place since our ranch doesn't have room for me to grow my herd anymore. I would have gone and put myself in major debt if it had not been for Dave Ramsey and my dad hadn't cautioned me so much against it. I still need to take out a loan for the land, but I'm not doing that until I can pay at least a third to half in cash while maintaining my emergency fund. We've never had much money and I grew up I knowing how to pinch pennies to make the groceries last. I'm so glad I found this man that lays it out plain and simple. The app he designed for budgeting, every dollar, is absolutely amazing.
We're on baby steps 4 & 6 (bs#5 is n/a for us). We are focused. We work hard. We communicate. We have a peace of mind that is priceless and we don't take it for granted.
Trouble Some nope because you have to be in the rain before u realize u don’t like the storm, live learn, no one watches a video when there young and actually listens
My husband and I are 26 and 24. We came out of college with $60,000 in debt, and we realized we would never be able to afford our bills and have a kid. We stumbled across Dave Ramsey on complete accident, and we paid off all our debt in 19 months. Now we have a baby on the way AND financial security. Thank you Dave Ramsey!
Question: if you were able to pay off $60,000 in 19 months then why did you think youd never be able to afford bills or a kid? Geez i can afford a kid and it would take me a decade or more to pay off 60 grand..
Congratulations!!! We also stumbled on Dave Ramsey by accident! We paid of $76K in 17 months 5 years ago! We're on track to pay off our mortgage in 7 years before our 40s! I'm so thankful for Dave and his information 🙏
@@amattson6578 We worked extra jobs, worked overtime, and sold so much stuff that we didn't need. There's nothing special about Dave's advice. He just motivated us with knowledge and we took action. 5 years later we do not regret it! 17 months was such a short sacrifice in the grand scheme of things
Black man under 25, taking this advice and turning my life around not today, but YESTERDAY lol
FANTASTIC STRONG BLACK MAN! YOU CAN DO IT!!!!! YOUR BORN TO!!!
Accountability buddy checking in, did you finish BS1 $1000 emergency fund since your a month in?
Emily Shears where I find a buddy like you😂
@@emilyshears901 we did not sure about him
Why didn't I find that video sooner.
Baby step 1 Done!! On to baby step #2, wish me luck guys 🙏
No luck!!.. Focus, at Gazelle intensity !!! Runnnnnn 😄
@@babymend8980 I'm running man. I'm running like a gazelle.
Awesome !!!!!
Still working on baby step #2, it's kicking my but but I'm working on it!
Best of luck John!! You can do this my friend. I'm starting baby step # 2 tomorrow. A long way to go, but I see paradise at the end of the journey. It's time to live like no one else . . .
THANK YOU DAVID RAMSEY, I PAID OFF MY MORGAGE THIS MORNING IT WAS ALL BECAUSE OF YOU AND YOUR INSPIRATION! THANK YOU
No, it wasn't Dave! It was you. And Dave would say so too.
Its all about your behavior, goodf work
I've paid off over $20K in debt over the last year by working Dave's plan. It does work! I'm down to my very last debt: $9,100. My goal is to be debt free by my birthday in September.
Great job
Congratulations
You can do it Erica.
Go go go!!
The public schools should embrace this as a teaching tool.
Some schools do
I took informational financial literature as a freshman and we watched a ton of Dave Ramsey
Why? School kids spend more time on youtube than they do studying anyways. It's here, it's free, anything beyond this is a choice.
Totally agree!
Preach
Reading books has really skyrocket the way I think about investing. Indeed, no one has ever got rich by saving money. If you want to become financially free, You need to Invest. I've come to realize that the key to amassing wealth lies in making sound investments.
Whichever firm you select, make sure you get your insurance from a reputable financial adviser, such as *Jenny Pamogas Canaya,* who has dedicated her career to financial planning. Because they will assist you in escalating, navigating better, and completing the task in a safer manner.||
"It's quite a surprise that you're acquainted with her as well. I've had the privilege of gaining significant profits while learning and investing under her guidance for the past few months. JENNY PAMOGAS CANAYA truly stands out as one of the most exceptional mentors and traders I've had the pleasure of collaborating with in recent years. Her expertise in navigating various market situations is truly remarkable."
The bad news is I didn't find Dave Ramsey til my 30s... The good news is I found Dave Ramsey in my 30s
Ha! Yeah, get this, same for me … except I"m in my 50s.
same
well not so bad. Many people don't make decent money until they are in their 30s. The issue is did they avoid the debt? If you avoid debt then your still ok because most younger people don't really have money to invest. Harder to invest when making 20k as opposed to 50k+. so 30s still gives you 30 some odd years before retirement
Found him this week I'm 35 wish it was sooner lol
Same as you wish I had known him a few years ago when I was doing stupid things financially.
I’m 15 years old watching, currently saving up money, selling random stuff I don’t need. Planning on not paying debt in college(I know I things don’t go as planned), but I have a high GPA and am a D1 athlete. I’m still unsure what I’m going to study but that’s okay and God can guide me through that. I’m going to buy a used car and everything. My parents had to put their life on hold because of the weight of their debt. At this point, I don’t care about what these girls my age will think of me and how I love, but at least I value my own well being and success over looking good to people who don’t care about me. PERIODTTT
You are so smart! You will be doing big things my friend! Best of luck to you!
Go for healthcare or STEM.
Get a car asap, do doordash at night, get into a trade(hvac, welding, electric, plumbing) they pay good starting out and most offer free training.
Yes GIRL!
Military could be a good option for you, even reserves can help with college and gives job experience
The method he teaches works! I've cleared about $22000 in debt in 15 months using these steps. I sold off possessions (including a new car), rented out a room in my house, slashed my household expenses and put myself on a $3 to $4 a day food budget. I still have $15000 to go, but watching this video makes me feel energized. I can do this! So can you!
This is amazing. Thank you for sharing.
U
I'm reaching across the internet to give you a pat on the back. Great job Tiffany, keep it up!
Everything sounds great ...one advice though eat as organic as possible with that $2...don't compromise your health cook at home as often as possible
Great ideas
Am 42 and 2020 is my begining
Me too!
Juan de dios Prieto this is my year too.
my year as well!
Juan de dios Prieto 🙌🏻 me too!
Same!!
I'm 22 years old, will be closing on my house this Monday!! A coworker of mine sent me to Dave Ramsey! Wow so glad he did! Baby step one completed..... STEP TWO HERE I COME!!
GOOD LUCK EVERYBODY.
IM GOING TO BE CHASING THAT CHEETAH!
Young people please listen to this man! I am 77 and in debt . Because I did every Dave said not to do.
We will.
THANKS FOR YOUR WISDOM SIR! GOD BLESS YOU & IT'S NEVER TO LATE! GOD CAN GIVE YOU BACK ALL YOU THINK YOU'VE LOSS.
It happens to most of us. We have been conditioned to borrow and all of that, but the Bible says we are the lender and not the borrower, and we are the head and not the tail. Above only and not beneath in Jesus name. We will overcome!
But, on the picture you look sooo happy. That's wealthiest wealth I would love to have, more than any amount of money.. (and I'm 50).
Me too, and I'm 73. I'm starting all over while many of my friends have passed away, and I'm alone without any safety net. Income goes way down at this age. You never realize your age until it's too late...so pay attention to this man!
Dave Ramsey changed my life. We were able to clear around $130k in debt including our house and cash flowed 2 vehicle purchases in about 40 months. We’re glad we became debt free since I lost my job with the pandemic. We’re able to live off of one income and haven’t touched our emergency fund yet.
I'm in the Financial Peace University classes now. I'm starting over at age 73. Had many serious medical issues, however I'm not giving up. At least my debt is low, and I'm starting a temporary job in April that will really kick start my income flow. I'm determined to make this work.
You can do this Judith. By your commitment and God’s Grace.
Good luck
You can do it Judith. Better late than never. Having a lot of money in the bank can decrease worry big time and being worried all the time is a big killer.
Congratulations Judith. I also am 73 yrs old. Trying to acquire my bus Degree here within 6mos. I hope. I changed into computer programming as of January of 2021. But, not another two years. So, I also I'am not giving up. About, this budget schedule, I should do very well, since I got a divorce years ago.
How is it going? I’m starting now.
25 and starting this 😩 wish I was taught this in school .... thank you 🙏🏾
I still get emotional when I hear Dave tell us to Run, Run, RUNNNN!!!!! " Deliver yourself like a gazelle from the hand of the hunter" ...and you will be free!
I love this intensity, God Bless you Dave!
So I’m not the only one? 😭😂
26 and starting today! Landed a good job a little less than 2 years ago, I’ll be at 6 figures by next year. I’m changing my life. I will be a millionaire in my 30’s. I’ll come back and update this someday in the future.
Hope everyone listened to this man before the Corona crisis!! I am more than comfortable at 36, looking to retire early, even with the crisis I did not have to worry about anything.
what do you do for a living? I'm living payche to paycheck at 41 and cant seem to find a better job
This same enthusiasm hit me when I decided to quit drinking. When I was done drinking. Nothing was going to stop me!
Hope you are still doing well
AMEN🙏🏻🙏🏻🙏🏻
I'm at the age of 17 and this 45 minute video has taught me more about life than 12 years of schooling has and that's sad...
How did you follow the math in this video? How did you read the slides? How did you follow the analogies and metaphors? How did you evaluate if what he was saying is accurate and beneficial? Maybe that schooling was worth something after all.
True Dave lessons are some of the most important lessons ever taught.
@@TheGkmasta yeah outside of basic skills school prepares you in no way shape or form for what life is like once that diploma is handed to you
@@itsjay7237 What skills would you have liked to be taught in school that you weren't? (I have friends in education, some of which can make changes on a policy level. I'll pass on your suggestions.)
Wish i have heard this in my 20s...I am 38yrs, in debt and broke😭😭😭. One step at a time...
SaME!! but, 37! May this year be the year we see and execute some change, my friend!
And don’t listen to the naysayers! They’re gonna try to convince you otherwise. I’m a walking testament to Dave’s baby steps. Follow his program. There’s nothing to buy so it won’t hurt if you follow them.
Okay I’m 23 and I’m so confused on what he actually means by monthly expenses, sounds silly I know but my father was kinda a drunk and more of a woman then a man growing up so I didn’t really get to learn, so yeah this is eye opening man. Any advice?
@@christopherdemmons4119 Monthly expenses (and someone who knows more about the DR method can correct me if wrong, please) are Rent/utilities/car payment/insurance/food - expenses/bills you have to pay every month that are necessary.
I'm right behind you (37). The good thing about our situation is that we know the other way doesn't work, so we don't have to waste time questioning that part of it. Just enjoy the rest of your long life debt free ^_^.
I'm 27 debt free 35k saved up credit score at 700 and planning on buying a home. And I just heard from dave Ramsey and motivated me to go harder=]
He did say buy the home Cash !!
Dalek Cash when you are ready to buy your home give me a call (559) 840-5318. I want to be your Realtor!
Jacqueline Salter 😂
Wow you're doing great in life for 27! I wish I was as responsible as you when I was 27. Don't let anyone drag you down. Watch out for the wicked "divorce settlement". That takes down a lot of guys.
Although not mentioned in this video, Dave Ramsey doesn't give a crap about credit scores!! Why do you need a credit score? So you can borrow money? Hmmmmmm shm
I make roughly 24K a year and am trying to pay off the remainder of my car loan at 6K. I’m also a college student trying to make good grades while balancing my full time job. I listen to the Dave Ramsey podcast on my way to and from work to stay motivated. Bring it on 2020!
I’m almost 19 and I’m glad I found this now. I can avoid mistakes those before me made
SatiricalSnake God bless and good luck!
SatricialSnake If you are wise
you would take heed to the info and get a head start keep building and don't look back
Good Luck I wish I knew then what I know now😩
I'm 18 and I found him a few years ago. I can't wait to invest ASAP once I get my first job ever.
I'm 33...I avoided a lot of mistakes that my peers didn't. But I'm still behind the power curve. Don't waste this opportunity.
22 and joining this wagon!!! Thank you Mr.Ramsey!
Ej_ L early 20’s crew yassss I am 21
Same here brother
24 here 🤙🏻
Let's do this 💪🏼 22
21. Let’s get this car paid off 🙏🏻🙏🏻🙏🏻
I feel like I’m in a Baptist’s Church and someone handed him the wrong book to talk about. Great video
Lol
😂
Hahaha...you took my words. Yes, guess he must have had some drink before tossing the speech, I dare to bet. ...........:)..............STF
Dave Ramsey program is christianity based knowledge.When he says read read read read read!He's talking about the bible and scriptures where knowledge is power.Fear of the Lord is the beginning of wisdom.Amen
Carlos Santos Amen
Just turned 18, thank god I found him right before I entered the real world
start your emergency fund :)
This is the best time to start. Good luck 😉 and never give up.
Ended 6k debt in 4 months using this. Amazing. And I can’t think of many times I’ve felt more proud of myself. It works. Do it.
I'm very grateful to have grown up with parents that listened to Dave Ramsey's radio show. In a week, I will be 21 with a car that I bought in cash and no personal debt. I have $3,500 in the bank, but am working on getting that $1000 cash emergency fund.
If you have 3500 in the bank, you already have Baby Step 1 completed..Just do with that 1 grand how you wish involving having quick access to it be it leaving it in that bank account, putting it in a different one, or just yank out the cash and stuff that grand into an envelope labeled emergency fund, and hide it somewhere only you know about
That leaves 2500 to go towards baby step 3 ( full 6 months of living expenses). Congrats gal. You're kicking ass
Awesome! 😊
Time to get rid of this 77k in student loans. My wife and I have agreed to never have another credit card and never borrow money ever again.
How are you managing 8 months down the road?
Borrowing money is not the problem, repayment is. Most persons are not diciplined and deligent enough when dealing with loans.
Credit cards are not the problem. Not having self control and a budget is the problem.
"When it wasn't you that did it; it was God anyway" - brought me to tears. May we all have that freedom to be able to help one another.
I wish I would have known about Dave Ramsey while in my 20's but thankful that I have found him now in my 40's.
same 41 and just started watching him. Ugh wish i knew sooner
15 months ago... I started his baby steps. Today we’re done with Bs2. 30k paid off! I fought him in my thoughts for a month... kept listening to this speech a lot. And one day I believed it... looking behind I say thanks Dave. Love his passion!!!!
Paid off 8.000 of debt in 3 months!
Way to go!
Watch out, we got a gazelle over here
Thank you ann:)
i too owe 8 dollars :’)
Would u tell me how?
I started baby step 2 1.5 years ago. I have paid off 55k in debt. THIS WORKS!!!!!!!!
Best down to earth Author, Speaker and Motivator.... 34 and in 2019 I'll be debt free! This works like a charm
Dariusz...All the best to you and your family! Keep up the good work, stay patient and stay the course.......you will be so happy at your success in the end and you will enjoy great peace once all your debt is gone! Be strong....and then try never to get yourself into that situation again. God Bless!
Thank you to the guy that posted this video.
I'll be 39 this year time to start now. Wish i'd seen this in my 20's but my time is now. Seems simple. Waiting on this refund i'll put that $1000 in savings. I make $28000/yr. Wish me luck guys
Kimberly M You got this! One step at a time. I just started as well. I’m 35. Have a great day.
Go for it you got this
Good luck girl. You got this!
💪💪💪
Good luck, have u made a good start?
This guy is gonna change my life. My whole life I was broke making between 18k-22k a yr. I qualified for a state funded scholarship to acquire a cdl class a and became a truck driver. My first 2 years I built experience, made 60k and upgraded my license to cdl A with hazmat. Now I work in a union job making 70k and building a pension. I'm still living almost check to check because of stupid spending and trying to be like everyone else and build a credit score to be normal. Well now that changes. In about 15-18 months I will be debt free. Forget debt, my money is now going to work for me. I'm 36 yrs old and plan to retire a millionaire! It's good to be weird😁
Dude, I'm in the EXACT same situation.
37 years old, about to get my class A and want to knock out 40k debt.
Only thing is I have to get my CDL on my own (didn't qualify for grants/loans).
Good luck man, keep in touch!
We're on the same page. Same age too. Step by step things are getting better.
Sounds like my story too. 😄
@@tyroneebusiness1594 I didn't realize I had replies here. Since I posted that comment, I took control of my money, paid off my credit cards and closed them. I was able to buy a house just two months ago. I made sure I got into a mortgage that I can easily pay along with all bills plus have left over. Sometimes I slide into a little too much spending but when I realize I'm sliding back, I give myself a pep talk and remind myself that I came from being broke and don't want to go back. Stay focused!
@@tyroneebusiness1594 I hope it all went well with getting your cdl.
So glad I came across this guy.. my life is coming together now
MOUNTIE'S CORNER Cc. Ckk😒😒😒😒😦😦😦😀🗡👺👺🗡🗡😈😈😈🦐🦐🤠🧐
Congrats man.
Amen! I have to agree w you same here
MOUNTIE'S CORNER '
Update please
Love Dave Ramsey and his teachings. This is stuff WORKS. My wife and I paid $50,000 in debt in 18 months (from April 2018 to November 2019). During those 18 months there was lots of sacrifice. I was working 3 jobs and was working 70 to 75 hrs a week. It was so WORTH IT. Now, I only focus on my main job, I work about 40 to 45 hours a week, and I sleep very well :). Because of my hard work, I’m getting ready for a promotion this year. We are in step number 5.
In the 24 months that we have been working on this plan, our progress financially and as a married couple, has been so much more than what we have done in 10 years of marriage. I’m 37 years old.
YOU CAN DO THIS !!!
25 years old and this man has changed my life by viewing my finances differently than the rest of people
dave will never suffer from low blood pressure...with that gazelle intesity....i love this guy and the biblical values he shares
I worked enough overtime last week to cover step 1. Tonight I created a nifty pay off "calendar" to post in my bedroom so it's the first thing I see when I wake up. it's 9 pages (9 different debts) in order from lowest to highest. Each page has the name of one debt in large bold font and in small font at the bottom has the remaining debts. So each time I pay off the debt and go to the next page I have a clear reminder of what I'm attacking while also seeing the debt list get smaller and smaller. We
I want to thank you Dave. My wife and I were in deep financial trouble in the early 1990'S. We bought Financial Peace shortly after it was released and it truly changed our lives. Today due to that book and 7 steps we have been debt free for close to 12 years. And believe me when I say it was NOT easy for us to start the process. NOW No debt, buy our pre-owned cars with cash, use credit cards as cash and can do what we want when we want to do it. What saddens me is that not enough people follow your advise. I have 3 people, 2 family members, i've given your books to over the years that were in deep financial trouble and not one took the advise. They continue to do the wrong things financially. Again, thank you Dave Ramsey.
Use to have the wrong mindset until I discovered Dave's method. I can honestly say this should be taught in every school. His knowledge on finance is incredibly helpful. Thanks to him I'm paying my debts wayyyy earlier than I ever imagined! I just have $2000 left and getting it done this month! I can't wait to be financially free!!!
Every once in a while I watch this video to get myself motivated to keep up with the baby steps!!!!
I'm about to graduate college debt free thanks to Dave. :)
Congratulations!
Wow
Congratulations 🎉 🎉
You are blessed 🙌
You really need to have this course on video in high schools. And colleges. That is where it will have the most effect because time = money.
I am paying a twenty year mortgage off in 8 years after attending Dave’s seminar.
Cardiackid Jones that’s dumb because you could put that money into an investment and come out ahead in the long run. Assuming the interest is less than 6%
@@jimmysyar889 know the percent you make is so little if you put it in the savings. But if you pay off the debt just saving so much money because you end up paying two and three times the amount of what you paid for the item.
Tracy Z not if you make 7-10% which is what the market goes up by on average over 30 years. An investment into a fund like the vanguard s&p 500 index fund will make way more than the interest costs for the mortgage.
Banks must hate you 😂😂
I just paid mine off in twelve years. It feels GREAT!!!
I found Dave not all that long ago and he really got the wheels turning in my head. I cash flowed 100k in tools for work over 6 years and I paid off 47k in debt in a little over 2 years, I got a bit off track due to a workplace injury. Now I am going to work towards saving to purchase a home and my next goal is to have a paid for home before my mid 30s. Dave and his team are a God send!
First rule of college “pay cash!!!!” 👌🏿🙌🏾
Just made it to step 3 yesterday, im 32. House is only 60k, here we go fellas!
Congrats brother. How’s it been going?
@@NurseBass 15k emergency fund in the cookie jar and 50k to go on the house. Things going well so far!
I watch this when i think about getting a car loan.
nathan hardy i saw this after I got my car loan 🤦🏼♂️
Joshua Garza same here using this now to pay off my car loan
Mark Arbuckle Same here, got a car loan and now I'm aggressively trying to pay it off
nathan hardy well I was thinking about selling my perfectly great car to get another one and spend another 7 to 8,000 dollars to get it. Now on the other hand... not doing it!
Joshua Guerra BUT...ya Don't need a car LOAN to get to wotk.
Good luck to everyone! WE CAN DO IT! It's never too late!
I'm so amazed he's unashamed to speak about God and the Bible and if anyone says something against him can't go against his attained wisdom from the Bible and from the fruit of his lifestyle.
I wrote the below message 4 months ago. I have only one bill left to pay off. I could (or wouldn't) save a dime before! I am actually putting money IN my savings NOT pulling it out! Dave is amazing and I love his GUT honesty approach.
I am still in debt. But man my family's finances is coming together nicely :)
Same here, getting there!
That's a blessing.
I found this at 18 and I think I've preemptively fixed my future.
The baby steps work ... I'm on baby step 3 and it feels good. I come back to this video every time I feel a certain type of way. Thank you Dave and team ! God bless you.
This comment was from 3 years ago. Would you mind sharing an update on where you're at now?
Update?
Being 23 years old, working on baby step 3.. life feels manageable. Thank you for all your time and inspiring words Dave.
To be 25 years old and have Dave’s wisdom presented before you is a huge blessing. Hope all is well with you brother.
I dread doing my monthly budget, especially when I've overspent that month on frivolous things. Don't wanna see the damage. But I put Dave on and he gives me that kick in ass. God bless you dave!
Bulletproof budget. Cut up the credit cards, dont borrow money, and sell your new car (if you bought one). Once you do your budget and start trimming off things you dont need or use you'll see the scales tipping to more money and less Bill's. That's where you start before the baby steps. Good luck my friend
I put him on at breakfast and even while K go to sleep some days it really makes me spend differently. I've got 24k owing... Going down 500 weekly...can't stand looking at it any more... More car payments
I'm 19 and have 6,000 in debt but luckily I'm already tired of being in debt and I still live free with my parents I plan on spending every penny I earn to clearing my debt
This man taught me how to believe in myself
I really like this man. His delivery is phenomenal. I got the message.
I’m 27. I have 5000 in savings. A 750 credit score and will be graduating from college next year with 40000 in student loans. This video has definitely got me motivated to jump start these student loans. Thank you Dave!
Yes, get rid of those loans STAT!
Did u got rid of them?
Hows it going?
I'm 41 just found about Dave Ramsey because I was helping my son earn a credit for his junior HS year. I wish I would of found him when I was in HS. I guess it's never too late. My 3 boys will be taught his lessons. My husband and I will start now.
Hello homewood high school seniors in Economics
My school isn’t perfect, but I’m honestly so glad that this school is trying to teach us about money. This is a real skill that we really need.
I’m 18 years old turning 19 in December. I started saving less than a year ago and sometimes work part time jobs and I’ve managed to save about 3.3k. I’m so obsessed with learning about money and finances as much as possible because I don’t want to struggle later in life. I see so many people commenting how they wish they seen this video in their 20s and here I am at 18. I know I’m off to a good start... anyone have any more tips for me on this journey to become financially independent?
I'm 34 and have been following the steps for less than a year. I'm already amazed at what I've been able to accomplish. This is so much more than getting out of debt, Dave's steps are truly the path to building wealth. Keep it simple: keep following his principles. Don't get pulled off the page by friends or family who don't understand what you're doing. The steps work. Keep it up, stay plugged in to these teachings via FB groups, social media, podcasts, etc. You got this! Congratulations
Emily, just posted this comment to another young lady's comment :
'You are so far ahead of your classmates. I've been doing financial planning for forty years, and ended up with plenty of money. The first trick is to start early. You've got that down. Continue to discipline yourself financially, and get the same feeling of well-being by saving money, that other folks get by spending money.
As you become more financially curious, spend some time closely considering the process of asset allocation. Will be one of the most important decisions you'll make in your life.'
I was in management for a few years. I would do new employee orientation. After I talked about all of the 'company stuff', I told them I was about to talk to them about something that would change their lives. They got all 'wide eyed'. Then I'd spend ten minutes talking a little about the importance of financial planning, including the most important part...START EARLY! You've started way early. Now you've got to maintain, and even build, your financial discipline. If you do that you'll be very financially comfortable at a young age.
Hoke 1925 Thank you! I posted my original comment 4 months ago & mentioned I saved 3.3k.. I am now up to 7,600. 😊 Working hard to save money everyday!
Life changing advice, really. So simple, yet no one teaches us this in school
I found him in my mid 30s and in 4 years my husband and I are from step 1 to step 6 and will be totally free paid off house in 10 to 13 years with retirement funding each year now. Thank you Dave Ramsey!!!
Finally debt free - mainly due to a change in mindset after watching various videos like this. These lessons should be taught in schools!
#CONGRATS
Congratulations!!!!!!
I remember watching his entire presentations in one of my financial literacy class and I never cared for his word. I’m 27 now, just paid off my $20k loan in 3 years which was scheduled for 7 years. I’m debt free and all I have is income flowing in now! 🙏🏼
I’m 23 and learning now! I love it 🥰
Me too. Knocking off my debt ASAP. I am on Baby step #2
You two are so lucky to discover this guy so young 😊
Great age! This is that time to take steps for a wonderful future.
Same 💯🕳🐇
I am so grateful I came across Dave Ramsey. I am learning alot, the first loan of 80k paid off today. Started my emergency fund, and paying off the other loans using the snowball method. Glory to God 🙏
I need to find a guru like this who is this intense about weight loss! My finances have never looked better after reading Total Money Makeover!
I want to be debt free! I want this so bad!
Samantha Jacobo Start! It doesn’t have to be exactly how he says. Take his advice and modify it to your life. Google or UA-cam Dave Ramsey and others have shared how they got started. You can do it. One small step will give you hope
Just keep following plan and you will. This stuff works, Good luck!
Hope u went through it
We got this! Be discipline.
RUNNNN!!
Thanks dad, i mean dave!
james billings
www.trulia.com/p/ny/lancaster/88-sawyer-ave-lancaster-ny-14086--2012756582
www.trulia.com/p/ny/lancaster/88-sawyer-ave-lancaster-ny-14086--2012756582
Lol
LOL I just had this talk with my oldest son, and he's almost thirty nine.
He's like a dad to me too. Because my real dad never taught me none of this!
"Deliver yourself like a gazelle from the hand of the hunter! RUN RUN RUN RUN RUN 🏃♀️. "
My first time listening to Mr. Ramsey was at Bishop TD Jakes Mega Feast in Atlanta, GA. In 2005. He had animal planet videos of Gazelles being chased by the Chetah. His seminar was intense!
I bought Financial Peace University for $99. I set everything in place. It changed our lives. I never regret the day I made the decision to listen to Mr. Ramsey.
His method works! BABY STEPS WORK!
Im 36 and found this, wished i found this in my 20's..... HOWEVER, now i can teach my kids so they know better and not make the same mistakes I made when i was younger... for those who started "late" is better late than never, at least we can teach our children to be smarter with their finances.
Great content.... I intend to listen to this over and over again until it sinks in my spirit. May God bless Dave Ramsey for me; He is a Gift in this Generation. I can't wait to manifest success through these great insights. Am forever blessed.
I found Uncle Dave Ramsey 2012! I wish I listened earlier. Baby Step 1
This is why I love UA-cam, a paid conference for totally free
My husband and I are about to embark on this journey. Taking our 15 and 12 year old sons along for the ride so they do not make the same mistakes we did.
Im seriously going to teach my kids about finances. I really wish they tough me this when i was in school because this is actually a main priority knowing how to manage your money.
They don't want u to know all this at school or economy would crash
At 45 .. Feeling Inspired 🌈
Me too!
You can do it! Gazelle international a must. We too are in our 40's. Debt free a year, now on bs3b! Sacrifice for your future be it retirement or kingdom building(us) or both.😉 Set financial goals and reset mental boundaries. Humble baby steps. God is able, we must be willing. God bless you
This time last year I was $38k in debt. Sold my car, garage sale, quit my job, got a higher paying job.
Currently debt free, 12k invested, and looking at buying a house soon.
This has really helped me. I'm absolutely fed up with being in debt!
I found Dave Ramsey last year. Which i was 37. Im struggling thought this life. I have been wanting to call in talk to him. But im trying my hardest fix what i mess up.
You can do this, dont give up. Keep going even when you feel like giving up one step at a time will get you there.
in one of ramseys vids i commented why i am watching them. but i should of retired at age 35 with 15million dollars. but i got married, and let the spender wife make lots of debt..now i am watching this to one, make her happy now she is on this budget thing..finally..and now TWO...to figure out how to get back to that 15 million plan before age 60...cause i want to retire with some life left in me...not on my death bed.
This is the most life changing video I’ve ever watched on UA-cam. Dave is a gift to humanity. God bless him tenfold.
I’ve been hearing so much of Dave Ramsey from the you tubers that I watch and decided I should see what the fuss is all about. I’m totally gonna do this. I’m gonna get to step 3 by my birthday.
Mary Snodgrass he’s changed my life! Found him a year ago. I’m almost debt free. Two more months. 38k paid off, credit card cut up!
Mary Snodgrass me too
Michael Kite wow! Amazing
"If we were doing math we wouldn't have credit card debt"... AWESOME!!!
Absolutely life-changing plan. We've been doing this for a few years now. BS 2 feels like it takes forever, but we just keep going. I come back to watch this video periodically for motivation. THIS PLAN WORKS.
I didn't know that Mr Dave Ramsey was such a rockstar. Love him
I wish this had been a required class in highschool.
I'm 21, don't have any debt yet and I'm working the family cattle ranch beside my father. I'm saving to buy my own place since our ranch doesn't have room for me to grow my herd anymore. I would have gone and put myself in major debt if it had not been for Dave Ramsey and my dad hadn't cautioned me so much against it. I still need to take out a loan for the land, but I'm not doing that until I can pay at least a third to half in cash while maintaining my emergency fund. We've never had much money and I grew up I knowing how to pinch pennies to make the groceries last. I'm so glad I found this man that lays it out plain and simple. The app he designed for budgeting, every dollar, is absolutely amazing.
We're on baby steps 4 & 6 (bs#5 is n/a for us).
We are focused. We work hard. We communicate. We have a peace of mind that is priceless and we don't take it for granted.
I’m 20 I think I’ve found this in the perfect timing
Trouble Some nope because you have to be in the rain before u realize u don’t like the storm, live learn, no one watches a video when there young and actually listens
@@diehardoutdoors u don’t have to have been through something in order to learn and understand it
So so happy i am now a fan of Dave Ramsey and his teachings......bring on 2020!
Discovered Dave at 39 and he blessed my life.