Hey all. I'm the guy that wrote into the Dave Ramsey show a couple of years ago talking about money hoarding. I understand where this guy is completely. That moving target was always terrifying, but it's possible to to get through it!
Whenever I watch a Dr John episode it is always so timely. I needed to hear this today and will be sitting with it for a while. Someone once wisely said “You cannot out-give what God will provide” and I keep working towards making that my life/heart statement rather than living with a scarcity mentality, fear & doubt.
I've been a saver all my life, saving for my retirement. Saving is a lifestyle and a value system. I've been retired 12 years. I still live under my income and continue to put money away. And I have plenty.
This is me right now. I finally called a counselor on Monday to start getting help. I’ve never been more blessed in my life, but the fear of lack is paralyzing. This was timely
I am like this too because of learned behavior from my parents and grandparents who grew up in poverty in a European village. They were and still are very focused on saving money. I cringe at the times in my past when I could have been more generous and giving instead of cheap. Other than that it has been an overall beneficial thing. My husband and I don’t have any debt except for our mortgage. I built my business smartly, slow and steady and now make over 6 figures and am expanding my business using money I saved, not a loan. But I had to get to the point where my husband and I are brining in over 200k a year to be able to feel more relaxed about spending on nice items. And even when I do buy nice furniture and things, I space them out a lot, instead of making large purchases at once. I just now started buying new clothes instead of shopping at the thrift store. My husband being much more financially secure than me has helped me be less financially worried. But having unexpected expenses or spending money that I wasn’t prepared to spend, (for example when 5 extra unexpected ppl come to lunch after church with us and I know my husband is going to pay the whole bill) still gives me anxiety and a panicked feeling.
Best first move is to pay off car loan. Second move is to start taking night course while keep you job to ensure you like new direction in your life. After that you need to associate with successful people who encourage each other, I have been down this road myself.
financial fear is something so many people face, and it’s great to see advice that focuses on taking practical steps forward. Building a plan, even small changes, can make a huge difference over time. Do you agree that mindset and strategy are key to overcoming this? Our company has been around for a while but remains relatively unknown, so every subscribe means a lot to us. Thanks for the support
I grew up with parents and grandparents who survived the Great Depression of the 30s. The saving mentality was definitely drummed in to us and I'm still uncomfortable spending much money or having something luxurious. It's mostly served me well, but now that I have more money I find I just don't want much, except art supplies and I want to travel inexpensively.
I need to hear an episode like this but where the guy has actually been broke, homeless, or almost homeless. Hoarding is easy to counsel compared with the much more common problem of actually being broke despite working a full time job and doing one’s best to budget. Which is a situation hundreds of thousands of aging gen z and millennials are facing.
my parents were nice to me but the pressure was future scholarship money and i remember 1 year i found myself quadruple checking my school planner to make sure I didn't miss anything. Almost went paranoid. Honestly more failure would have probably been good. Sometimes a house emergency like a water heater or ac going out makes you realize its not so bad. But i hope that doesn't happen to me 🤣
I have the same fear. For me, it comes from a deep spiritual insecurity, that the abundance of the universe won't be given to me. But I just quit my secure, permanent government job to be self-employed, so it must be shifting!
Are you referring to Christianity or all religions? If you’re referring to Christianity then I would say Yes - the tenets of Christian faith are founded on 3 main things: 1) we, as mortals, are finite & limited, and in need of Someone bigger than ourselves. 2) That someone is the God who created us to be a reflection of His creativity, intelligence, love, grace, mercy, strength and beauty and 3) rather than living under a debilitating belief that we will never measure up, or, living with a toxic sense of pride & arrogance, we come to see that God is enough and that the example of His son Jesus and the presence of the Holy Spirit, will lift us up and continue perfecting us as we live in relationship to Him and others.
not just the church, its evolution how we evolved. Boss's are required to tell you you aren't good enough. that's what's fueled all this "continuous improvement" nonsense
It's about admitting it, but it also gives you a trajectory to follow. Secular materialism is about lying to yourself about how good you are, then externalizing the blame through resentment when you inevitably don't measure up. It's everyone's fault but mine, all the way down to despising existence itself.
@@bowietrioyes we agree then I guess only difference is there is nothing wrong with you other than the fact you think there is something wrong that you need saved from
My problem is im not cheap but i dont have the desire to spend really. I will buy food pay bills and such. But i dont feel like spending for the sake of spending.
Wouldn't say that's a problem. If you're content you're content, and if you're not wasteful then I think that's awesome. If you at some point feel guilty about amassing capital you don't have a need for, I would suggest finding a charity that does work you believe is good and consider supporting them.
@billalberkerky7069 thanks, id say others and family like to guilt me for not spending. The biggest thing for awhile was used over new vehicles. My last car was a used 2009 chev aveo with 43000 miles. Nothing wrong with it but family said i should buy a brand new vehicle if i have the money. I just didnt want any loans/ owe anything
@lorainefleeman6011 I second this. I'm not a spender at all (basically just living expenses and a small handful of games each year) while my wife likes to shop. I complement her by helping her prioritize and slow down the household spending, while she complements me by making our home actually FEEL like a home instead of an empty box with four blank walls.
I've just begin to learn about investment, and I've found that many good stocks are undervalued despite their intrinsic value. If you had quarter of a million to create a strong portfolio, which stock would you choose for better returns?
I believe a solid portfolio should include three key components: ETFs for diversification, dividend stocks for steady cash flow, and top tech stocks. Given your budget, it’s a smart move to consult a fiduciary advisor for professional guidance
I had same problem too, at age 25-26 I realized I'm dying. We are getting old. I saw coworker who went to holidays and wasted money. I told myself. I can waste money too. Not all the time. Rarely. Now I'm 30. I look at back and remember the good times
I need people's honest advice please. What's so good about being a Young-Adult in America? I'm from Los Angeles, here are my observations: A) Markets and Restaurants put chemical-weapons in our food-supply, then (most) Americans celebrate over-eating. No wonder mental-illness and gut-illness are sky rocketing. B) Colleges are extremely Woke here. By now, you need 3 part-time jobs to survive. No company wants to hire more than 20 hours/week, if you are lucky. Exploitation is EVERYWHERE. C) Hospitals across the nation Kill people on purpose, instead of helping. D) The people themselves scare me. I mean, teens and anyone under 30. 80% of them are dumb bullies, drug-addicts, sex-perverts, they attend raves, orgies, bars and the like. It's disgusting. ___________ Your thoughts? How in god's name am I supposed to function with those type of creeps out in Public? or at school? or around me at work? Glad I'm not like them.
What's irrational is thinking that you, your car, your, house, the president... Is the biggest most important thing out there. There has got to be something bigger out there, there is more to this that what anyone knows
Awesome advice!! My husband is much like the caller and won’t spend anything or deal with our finances! He is afraid of $.This is the first month I got him to take out $100 and use it to spend on me during the month. We call it a “wifey” account! ( and yes we can spare the $100.)
This is called the love of money and is sinful. I had a friend like this who would never offer to pay for stuff or help with costs when we did things together. He never offered to drive places or help pay for gas when we went places. He always expected you to pay for his stuff even though he worked insane amounts of overtime and never spent anything. I told him to stop being cheap a- and I never wanted to see him ever again after years of this.
Hey all. I'm the guy that wrote into the Dave Ramsey show a couple of years ago talking about money hoarding. I understand where this guy is completely. That moving target was always terrifying, but it's possible to to get through it!
Whenever I watch a Dr John episode it is always so timely. I needed to hear this today and will be sitting with it for a while. Someone once wisely said “You cannot out-give what God will provide” and I keep working towards making that my life/heart statement rather than living with a scarcity mentality, fear & doubt.
For real!!! It’s spanning to needed to hear in my point of life rn
I was ignored as a kid so never got any praise or encouragement. I feel you brother.
me too
I've been a saver all my life, saving for my retirement. Saving is a lifestyle and a value system. I've been retired 12 years. I still live under my income and continue to put money away. And I have plenty.
This is me right now. I finally called a counselor on Monday to start getting help. I’ve never been more blessed in my life, but the fear of lack is paralyzing. This was timely
I am like this too because of learned behavior from my parents and grandparents who grew up in poverty in a European village. They were and still are very focused on saving money.
I cringe at the times in my past when I could have been more generous and giving instead of cheap. Other than that it has been an overall beneficial thing. My husband and I don’t have any debt except for our mortgage. I built my business smartly, slow and steady and now make over 6 figures and am expanding my business using money I saved, not a loan. But I had to get to the point where my husband and I are brining in over 200k a year to be able to feel more relaxed about spending on nice items. And even when I do buy nice furniture and things, I space them out a lot, instead of making large purchases at once.
I just now started buying new clothes instead of shopping at the thrift store.
My husband being much more financially secure than me has helped me be less financially worried.
But having unexpected expenses or spending money that I wasn’t prepared to spend, (for example when 5 extra unexpected ppl come to lunch after church with us and I know my husband is going to pay the whole bill) still gives me anxiety and a panicked feeling.
Best first move is to pay off car loan. Second move is to start taking night course while keep you job to ensure you like new direction in your life. After that you need to associate with successful people who encourage each other, I have been down this road myself.
Damn i just realized that i internalize that I’m not enough😐 it’s 8:25 in the morning John. My day is going to be full of brain activity now😭
Ur totally enough man, ur a human and you're alive, everything you need to be you have been the whole time
financial fear is something so many people face, and it’s great to see advice that focuses on taking practical steps forward. Building a plan, even small changes, can make a huge difference over time. Do you agree that mindset and strategy are key to overcoming this?
Our company has been around for a while but remains relatively unknown, so every subscribe means a lot to us. Thanks for the support
Just finished your video-amazing content! Are you still open to having remote members?
I grew up with parents and grandparents who survived the Great Depression of the 30s. The saving mentality was definitely drummed in to us and I'm still uncomfortable spending much money or having something luxurious. It's mostly served me well, but now that I have more money I find I just don't want much, except art supplies and I want to travel inexpensively.
Better than how majority of ppl spend everything they make
I need to hear an episode like this but where the guy has actually been broke, homeless, or almost homeless. Hoarding is easy to counsel compared with the much more common problem of actually being broke despite working a full time job and doing one’s best to budget. Which is a situation hundreds of thousands of aging gen z and millennials are facing.
my parents were nice to me but the pressure was future scholarship money and i remember 1 year i found myself quadruple checking my school planner to make sure I didn't miss anything. Almost went paranoid. Honestly more failure would have probably been good. Sometimes a house emergency like a water heater or ac going out makes you realize its not so bad. But i hope that doesn't happen to me 🤣
thats a healthy fear.
Sadly, it may sound like it but it's not healthy.
Snakes… What did it have to be snakes?
Indiana Jones has left the chat...
I have the same fear. For me, it comes from a deep spiritual insecurity, that the abundance of the universe won't be given to me. But I just quit my secure, permanent government job to be self-employed, so it must be shifting!
The universe gives infinitely; you just need to be open to receive it, which looks like you’re starting to now.
Everything is “great” and “good” lol
Opposite problem as me.
Unplug from The Matrix. We're only here for a little while just unplug live in the moment in time stop living in your head
If we’re being honest religion is all about how your not good enough
Are you referring to Christianity or all religions? If you’re referring to Christianity then I would say Yes - the tenets of Christian faith are founded on 3 main things: 1) we, as mortals, are finite & limited, and in need of Someone bigger than ourselves. 2) That someone is the God who created us to be a reflection of His creativity, intelligence, love, grace, mercy, strength and beauty and 3) rather than living under a debilitating belief that we will never measure up, or, living with a toxic sense of pride & arrogance, we come to see that God is enough and that the example of His son Jesus and the presence of the Holy Spirit, will lift us up and continue perfecting us as we live in relationship to Him and others.
It's ok though, Jesus Christ IS good enough and He has made me enough by taking the penalty of my sin. It's peace unlike ANYTHING else.
not just the church, its evolution how we evolved. Boss's are required to tell you you aren't good enough. that's what's fueled all this "continuous improvement" nonsense
It's about admitting it, but it also gives you a trajectory to follow.
Secular materialism is about lying to yourself about how good you are, then externalizing the blame through resentment when you inevitably don't measure up. It's everyone's fault but mine, all the way down to despising existence itself.
@@bowietrioyes we agree then I guess only difference is there is nothing wrong with you other than the fact you think there is something wrong that you need saved from
Regarding the tip example, how often should you leave a tip of $50 on a $30 meal?
… every time when following dinner service, your GUT says you should!😃
My problem is im not cheap but i dont have the desire to spend really. I will buy food pay bills and such. But i dont feel like spending for the sake of spending.
Wouldn't say that's a problem. If you're content you're content, and if you're not wasteful then I think that's awesome. If you at some point feel guilty about amassing capital you don't have a need for, I would suggest finding a charity that does work you believe is good and consider supporting them.
@billalberkerky7069 thanks, id say others and family like to guilt me for not spending. The biggest thing for awhile was used over new vehicles. My last car was a used 2009 chev aveo with 43000 miles. Nothing wrong with it but family said i should buy a brand new vehicle if i have the money. I just didnt want any loans/ owe anything
I am broke should I be terrified? 😂
Next step, move to the state of Missouri 😂 6:36
What about if you and your wife don't share the same views of money and finances?
This needs to be addressed before marriage, and if you can't agree, part ways.
@lorainefleeman6011 I second this. I'm not a spender at all (basically just living expenses and a small handful of games each year) while my wife likes to shop. I complement her by helping her prioritize and slow down the household spending, while she complements me by making our home actually FEEL like a home instead of an empty box with four blank walls.
I've just begin to learn about investment, and I've found that many good stocks are undervalued despite their intrinsic value. If you had quarter of a million to create a strong portfolio, which stock would you choose for better returns?
I believe a solid portfolio should include three key components: ETFs for diversification, dividend stocks for steady cash flow, and top tech stocks. Given your budget, it’s a smart move to consult a fiduciary advisor for professional guidance
Hey, I'm trying to find a certified one to boost my investments/portfolio. Can I get a recommendation from you, since you know about this stuff?
My financial adviser is Gabriel Alberto William, he is not just a broker, he is a financial adviser that gives advice on any financial matters
I just googled the name and I'm really impressed with his credentials; I just sent him an email since I need all the assistance I can get
Develop generosity 💐
I had same problem too, at age 25-26 I realized I'm dying. We are getting old. I saw coworker who went to holidays and wasted money.
I told myself. I can waste money too. Not all the time. Rarely.
Now I'm 30. I look at back and remember the good times
Where are you originally from?
I need people's honest advice please. What's so good about being a
Young-Adult in America? I'm from Los Angeles, here are my observations:
A) Markets and Restaurants put chemical-weapons in our food-supply, then
(most) Americans celebrate over-eating. No wonder mental-illness and
gut-illness are sky rocketing.
B) Colleges are extremely Woke here. By now, you need 3 part-time jobs
to survive. No company wants to hire more than 20 hours/week, if you
are lucky. Exploitation is EVERYWHERE.
C) Hospitals across the nation Kill people on purpose, instead of helping.
D) The people themselves scare me. I mean, teens and anyone under 30.
80% of them are dumb bullies, drug-addicts, sex-perverts, they attend raves,
orgies, bars and the like. It's disgusting.
___________
Your thoughts? How in god's name am I supposed
to function with those type of creeps out in Public?
or at school? or around me at work? Glad I'm not like them.
What comes to mind as i listen, give up all you have and follow me...can he do that? In Jesus name you are healed! 🎉
I hope he will have a family one day
I really appreciate your attention to detail and quality. Your videos are always top notch!🚜🥇🎗
I don't save enough. i care about others and would give my last dollar away. glad my boyfriend saves.
O he has a poverty mentality. He’s got to overcome that before anything physical.
👏👏👏
Were you raised by Doctor Laura?
❤❤❤❤❤❤❤❤❤❤❤❤
Your videos are not just content, they are true art. Thank you for your talented creativity!💝💵😎
When you want to devote your life to an irrational fairy tale you’re going to have all kinds of emotional issues and irrational beliefs.
What's irrational is thinking that you, your car, your, house, the president... Is the biggest most important thing out there. There has got to be something bigger out there, there is more to this that what anyone knows
Ask enough questions there will always be something not perfect in your life 😂
Jesus is Lord 🙏🏾✝️
this guy has the exact opposite problem to me
Awesome advice!! My husband is much like the caller and won’t spend anything or deal with our finances! He is afraid of $.This is the first month I got him to take out $100 and use it to spend on me during the month. We call it a “wifey” account! ( and yes we can spare the $100.)
Stop being selfish.
@@GG-zn5hx because his money is her money... how much of them see it
@@GG-zn5hxDude if a husband can't spare $100 a month for their wife, he's failing straight up. No woman wants to be policed over $100. That's madness
LEARN ABOUT BITCOIN
This is called the love of money and is sinful. I had a friend like this who would never offer to pay for stuff or help with costs when we did things together. He never offered to drive places or help pay for gas when we went places. He always expected you to pay for his stuff even though he worked insane amounts of overtime and never spent anything. I told him to stop being cheap a- and I never wanted to see him ever again after years of this.
One man’s sin is another man’s insecurity. A sin is a choice. Insecurity isn’t.
This guy is asking for help.. your friend didn't care regardless.. there's a big difference....
Like the responder to your post OP, your friend and the caller are not the same person
This guy is having a lot of major life changes all at once. Far different from being cheap.
Awful comparison. No one wants to hear about ur grudge against ur ex friend
I’m Terrified I’ll Go Broke (What Can I Do?)....0DTE?
Some people call just for attention
Your channel is one of the few that really enjoys the quality of content. Keep it up!🍑🟥⏳
Your videos are a cocktail of skill, talent and passion. Thank you for your dedication and hard work!🛷🚕🏈