Spend less than you make. Pay off high interest debt. Credit cards bad. Now I'm Dave Ramsey. Chris Hogan is still on their website, but even if he left, he cheated in 2018 and it's now 2021. Thats 3 years they let him stay. However you can still read about him and book a time with him www.daveramsey.com/personalities/chris-hogan ua-cam.com/video/-xKaQYSoNAc/v-deo.html - Here are my sources - Dave Ramsey Says You're an Idiot - ua-cam.com/video/bQUA1_Nm3Nc/v-deo.html Dave Fires People For Premarital Sex - www.newsweek.com/dave-ramseys-company-fired-12-employees-premarital-sex-1579557 www.tennessean.com/story/news/local/williamson/2021/03/29/can-you-fired-over-sex-life-dave-ramsey-thinks-so/6980891002/ Dave interviews your husband/wife - religionnews.com/2021/01/15/dave-ramsey-is-tired-of-being-called-a-jerk-for-his-stands-on-sex-and-covid/ Dave Pulls a Gun - www.nashvillescene.com/news/pith-in-the-wind/article/21096181/deposition-yes-dave-ramsey-pulled-out-a-gun-in-staff-meeting-decrying-gossip www.thedailybeast.com/spies-cash-and-fear-inside-christian-money-guru-dave-ramseys-social-media-witch-hunt
Dave Ramsey always bashes mnn, its just irritating. I have encountered his type at my work. My ex-manager would go out of his way to belittle and yell at male staff next to registers at the Stop & Shop Supermarket i worked at. I never saw him do that with women, even if they called out, came in late, didnt finish work etc etc etc. Its disgusting behavior and also very creepy.
He's a coward with a microphone. If he were sitting across from you, I'll wager he would smile and be quite polite for fear of a fist in the mouth. I've met guys like this before and it is always the same. They've developed this personality of superiority and believe they are above being called out.
@@ColonelHoganStalag13 no he’d still be an ass to your face. He’s so used to holding the power in a conversation that he would behave like that in person.
@@obi-wankenobi1750 25 years ago, I ran into Dave Ramsey at a bar. He got smart to me, and I decked him. He's only like 5'8.. Hardly this alpha he portrays himself to be. I absolutely DECKED him.
While I don’t agree with how Dave said it (or many of the things he teaches), this would go to prove his point that is $600 changes your life, you aren’t in a great place. Now, we probably shouldn’t be calling those people idiots. But if $600 changes your life, you need to change something structurally in your life, because that one check isn’t going to solve it.
My mother died and the next day I'd lost my job due to covid. That stimulus helped me be able to properly job hunt and get myself job leaps and bounds better than my previous one while dealing with the loss of my last living parent.
Sorry for your loss. It won't bring your Mom back, but that's awesome that your professional life took an upswing. At least the finances can be dealt with. Keep plugging away, and remember: your Mom will always be with you, in your heart and memories.
dont forget that 600 dollars is not a hand out. Its your money. You paid it to the gov and had no choice in the matter through taxation. The gov just broke off a small crumb and tossed it to you.
@tiki98 Thank you for checking in on me! Going through some mental issues, but I'm working through them with my therapist. My current job is miles ahead of what I had before and I'm doing my best for the present.
My adult kids lost their jobs due to Covid. They lived out of state and used their savings to move home. They have taken jobs in retail making whatever was offered, they were grateful for a job. The stimulus funds are rebuilding their savings account. That way they can reestablish after all this levels back out. Dave is not understanding the reality out here.
No the reality is that those checks puts America DEEPER in debt and more slaves to the government, the SAME government who shut down our economy to begin with.
Literally just thought of this. Had to spend $800 to keep my car running today. I wasn't in a hard spot today, but I have been in the past and know people who have been in that spot.
2 days after I received the $600 check, my cars radiator busted, hose, fan and the thermostat failed and started overheating. Had to replace everything and the money went to that. When I received the $1200, I had to return $800 back in taxes because I make too much working minimum wage. '_'
Why are people so fascinated by his advice? The extent of Dave Ramsey's advice: Spend less money than you make. Debt bad. Money good. Pay off everything. What if I can't afford all my bills dave? Oh then just make more money. Golly gee thanks Dave. Never would've thought of all of this groundbreaking advice on my own
I’m not defending anything in this video or Dave as a whole, but some people do just need to have those things told to them and slammed down their throat. Lots of people in this country have no financial literacy, put everything on cards, live way beyond their means, finance a new car on a small income, take huge student loans for a degree that won’t pay enough to repay it, etc. I agree with Josh here, Dave is an asshole, but he’s also right that our society has an addiction to debt, not enough people are properly taught about it before they are adults
I get your point but like the other comment said sometimes people need others to tell them the simplest of stuff. Dave’s advice should be common sense but people still need it told to them. Just about literally if u watched like just 3 of Dave’s videos on his main UA-cam channel where he takes a persons call, u yourself can answer the question 95% of the time before he says anything bc the advice is simple and stays the same
@@brendanhonea1432 Exactly, I really do not understand why people are so upset with his practical advice. The 1k emergency fund has been such a blessing to me on numerous occasions and I'm ''just'' a student. Prior to me hearing that advice I never thought I could actually do it...but now I'm like ohhh wait!
@@peacheskong2245 It’s mainly because of how things are run in America. So many facets of the American education system rely on loans and debt, as do banks and many other institutions, it’s the government down to the small business. They have ingrained the necessity for debt into the minds of the American people.
I used to listen to his financial advice about 10 years ago. It was solid. I got out of debt and stayed mostly out of debt. He never used to talk about crazy shit like this. It's sad to see what he's turned into. Maybe he was always this way and he hid it well but he sounds entitled and selfish.
Don't forget he's the biggest snowflake ever!! Goes completely psychotic if anybody has any feedback............oh, the irony. However, don't discuss it, the "gossip" will melt him on a nuclear level. x-D
For sure, I'm a devout christian and I've been calling him out on his videos for years now. I recommend his financial principles but not his life advice. Financially hes fine but as a life coach he should be a mute. I finally had to stop listening to him because he was making me angry with his horrible behaviour.
I’m raising 3 grandchildren full time. To me $100 is a lot of money. To me $600 is life changing. That is 1 month that I can pay all my bills without juggling....guess what Dave.. I might be stupid yet I’m smart enough not to give you a penny.
If I remember right---it could have been $20k per family back at the original stimulus if gov't hadn't given money to other crap. To get $600 is a joke in comparison from a government induced shutdown. Oh and we will pay this back one day--or our kids or your grandkids will one way or another through inflation and/or taxes.
@@droptozro Yeah, it feels like the US government is like "oh, we're sorry that you haven't been able to work for over a year because of lockdowns, so here take $600 and shut up about it."
i think i am no follower of dave, but watched quite a few of the snippets and stories on yt of course money is money, and more is better the "600$ dont save your ass" phrase comes from the expectation, that you shouldnt need money coming towards you magically. we all should be prepared for unexpected stuff, like we have more than enough food for the next 1hour, so we dont need to constantly run shopping because 1 item was empty after an eating the problem is not the 600$. the problem is, that these 600$ change your life, they shouldnt do that.
Dave’s “rant” about $600 not making a difference is what turned me away from watching him. He’s so out of touch with real life and probably has been for awhile. He’s made millions, meanwhile the common people still struggle to make it by. I laughed at one video of him saying to a caller to buy a $1,000 car. I’m like, “Um Dave. $1,000 cars no longer exist.” Also, when you can’t afford diapers for the baby because of the pandemic, $600 helps a lot!
@@turtlesareourfriends Even cars from the 90s cost 2k or above. AND even at that price you're just paying the downpayment up front. You will be spending lots on repairs and parts really soon.
@@plussa666 if the car can turnover and get you down the street, it’s worth at least $2k. Doesn’t matter how janky or messed up, doesn’t matter if it needs oil and tires and sacrificing pride - if it moves, it’s worth at least $2k. That’s about the floor here. And honestly, the used but decent threshold is closer to $7k. Dave’s advice is crap. Cars are money pits - and buying something dirt floor cheap could wind you up in more debt over the next 5 years than if you’d paid more up front for something just a little better.
@@lunam7249yea Dave hasn’t been in touch with reality on the ground. I currently working full time on food delivery apps and in my market (Houston), making $1800-2500/mo. So working part-time delivering food wouldn’t likely get you $2k extra 😂
@@elieoni-6213 big pharma has set it up so americans can only purchse the newest and most top shelf insulin. Any of the older insulins that cost far less aren't allowed as they have a higher rate of side effect. In truth, pig insulin is fine for just about everybody.
Joshua - one of the reasons I subscribe to your channel and became a member is that you have different types of content, but you generally stay in your niche/genre, even though you do skits, destroy job descriptions, talk about personal issues, etc. For me, you are easy to connect and relate with. I like Techlead and Engineering with Utsav, but you are 'by far' my favorite of the three channels. Keep it real and keep doing what you do. My only advice would be to not look at the stats 24 hours after a skit and take it too hard. Trust me, you are doing great things and your success will continue to grow, over time.
One evening on my way from work I stopped at a gas station and there was a older man standing by the ice machine, I walked by and said hello and when he said hello back he kept his head down. I went in grab my things and on my way to my truck I stopped and asked if everythings okay because you could tell he was having it rough. As we we're talking I asked him to raise his head up an look at me and when he did he had tears in his eyes telling me he just keeps his head down because normally people have nothing but mean hateful things to say. I gave him a hug and the last bit of cash I had! He tried to give it back saying sorry that I felt I needed to give him money. I dont know who he was, didn't even get his name. But it's terrible we treat dogs better then we treat each other! Don't kick a man when he's down. Did that 40 buck changes the man's life no but helping each other will change the world. Pay it Forward!!!
600 wasn't supposed to change your life. It's supposed to do the opposite. It's supposed to keep you in your house with the heater on in an unprecedented scenario.
Exactly! We are in an unprecentented situation that is not normal. Also take the insane cost of healthcare, some people have to make the choice between paying eating and taking insulin. I t hi nk the baby steps are awesome but as a person, Dave is very flawed.
Imagine if Jeff Bezos told Dave Ramsey that having $475 million dollars Only, means that something is seriously wrong with Dave's live, because having Tens of Billions of Dollars is the normal thing in Jeff Bezo's circle. Imagine the outrage Dave would be having. Imagine if Elon Musk told Dave Ramsey that he was a loser for not being a Billionaire at Dave's current age.
@@mjs28s I think something that sounds fine 30 years ago in a good economy is just too tone deaf in the middle of lockdowns forcing so many businesses to close and people be laid off, after millennials were already so financially ruined by previous recessions and financial crisis that were in large part created by the scams and corrupt governments led by boomers. Let's not forget how boomer politicians got the country trillions of dollars into debt and raided their own generation's retirement funds, forcing millennials to pay for the previous generation's excesses, not to mention all of the environmental damage.
I don't like Dave Ramsey but at the same time don't believe somebody who does fuck all deserves any pay. I live in a country with countless lazy pigs. I understand how much it spoils someone. But Dave Ramsey is a special variety of prick
When I was a kid, I had an unemployed dad who was also a Vietnam vet who had risked his life to serve the country. $600 made a difference in the months we needed food. Dave’s rant is profoundly offensive; so many deserving people need help.
The point is that it's a first step, he says you should not stop at those 1,000. That's what I understand from his videos. I do think he is a rude man.
The point of baby step 1 is to get you into the mindset to make the lifestyle changes necessary to save $1000, because if you can't do that, proceding to baby steps 2-4 (pay off debt, full emergency fund, save for retirement) is going to be impossible. Its not meant to be a full emergency fund, but its a nice round number for people with poor fiscal discipline to shoot for.
Its funny how Dave omits the fact his dad owned a real estate company and portrays himself as "Yeah i just started working out of high school and made it on my own"
It’s made worse by the fact he had to declare bankruptcy and yet doesn’t understand how any could be poor beyond their own failings. It’s not like the market can pull the rug out from under you at any day and boom all your savings gone
This is heart-breaking. I was a follower of Dave Ramsey for a very long time. I am learning more and more about how disgusting this man is. Not to mention this financial advice is disastrous in the long-term. Never listening to Dave again!
I've seen his videos before. There's nothing to follow. Try to pay cash or keep any loans within your budget. Don't carry credit card debt. Contribute to a savings account. Think about your purchases/don't buy stuff on impulse or stuff you really don't need. Contribute to a retirement fund. Contribute to an index fund. If you do have credit card debt pay off the lowest card first and "snowball" the payment into the next lowest card to pay off everything quicker. I may have missed a few (it's late and I'm tired). But it's all common sense type of stuff. Credit card debt can chew through household income with ease. Once it's gone you'll find you have a lot more money to do the positive things listed above. I'm not seeing why someone would need to drag that advise out for years and have a following. Either his fans did the right thing or they didn't. If they're listening to him (or anyone else that milks this advise for make a living) after they've eliminated their debt then they may have other issues.
@@andreo I get that debt is bad and in the Christian view it’s a sin? (Idk, I’m agnostic). But to hold off from any investing (even a 401K) until all your debt is paid off is a ridiculous piece of advice.
Good question: after reading the Bible several times and debt is not a sin just not recommended. Sin is something that is destructive to yourself or others. Things that can put you on a cliff are not sin like having a beer. If you pound a 12 pack a day than that is jumping off the cliff. Jesus made water into wine and it was a massive amount as in about 120 gallons of top shelf wine.
That whole tirade of how $600 can't help anyone. "How many households do you think can afford a $400 emergency being dropped on them?" "No one can." THEN MAYBE THEY NEED THE $600 DAVID!
I stopped listening to him because he's an ass, I don't think he appreciates what he has. But what you said, legit sounds EXACTLY like something he'd do.
I feel like your niche is, "how to NOT get fucked over." By corporations, family, friends, religion, or people who look to persuade you for their own greed. Your life culmination is this. Keep it going.
Nicely done, man. It was nice to be mentioned as well. If you'd like some clarification around that meeting and some additional info, hit me up. Dave is not the good guy he presents himself as and this needs to be made public.
Can someone please call in and ask these questions on the show 😂 I know it would never see the light of day on their youtube but it would speak volumes if they just shut them down.
I am using the stimulus check to buy a trailer to start a business for my kids. It's literally changing our lives. Ramsey is incredibly myopic in his analysis.
I've lived in Nashville all my life. I've had 4 friends that have worked for Dave. All of them say the guy is a complete a-hole and treats his employees like crap.
Employees complain about bosses all the time. I’ve seen some of the complaints and frankly it seems like just a below average company in terms of employee experience at the workplace. He’s made millions of people better with their money. Take his advice on money (free on the broadcast) and run with it. Don’t work for his company if you don’t like what you’ve heard. He’s a classic authoritarian boss, but obviously a good one (from a business standpoint) given the company’s success. I would hate to work for him, which is why I am going to use his advice along with others to permanently get away from having a boss.
@@TinCanToNA I love this response. I have used Dave's framework and I am on Steps 4 and 6 (15% towards retirement and pay off house early). Dave is a hard core Republican and he definitely believes in what he is doing. His belief is what gives him the strength to go on his tirades, fire people for totally biased reasons, etc.
Dave Ramsey is a perfect example of what happens when a child is not allowed to fail, has everything handed to them and told their poop don't stink. They have to construct a story that they did it all on their own while disparaging those who actually do, because it gives them an inferiority complex to look at people struggling. He has never really struggled because he always had his parent's money to fall back on.
As the wise and informed Paris Hilton once said "Stop being poor." That's the mindset of people who haven't had to experience being broke or growing up in a household that was and beyond your control.
Dave: I've been broke. No dave, you lost your wealth with loans you got from banks because your parents had connections. Being broke is being all alone with no connections
@Benjamin Muller Yep, he was caught with his pants down after likely copying the strategies of his parents only to have those strategies stop working because a change in the tax law made them too risky for lenders. He couldn't think for one moment about the effects it might have before it went into law and change his strategy to be less risky while he had the chance.
@Benjamin Muller Pretty much the same story as Trump. Successful because of mommy and daddy, yet still managed to go bankrupt, yet still bounced back because of connections he wouldn't have had in the first place if it wasn't for daddy. Arrogant as hell too.
While I find Dave Ramsay to be arrogant and dogmatic, your generalization about “poster child of a Boomer” is highly unfair and does little to advance your argument or credibility. I am a “Boomer”, yet most of my close friends are much younger than myself, so it is possible for Boomers to relate to other age demographics.
@@thomburleson7661 I think the assessment is fair. A LOT of the boomers who are set to inherit mass wealth are out of touch. Their attitude is pull yourself up by the bootstraps and stop complaining. They fail to realize they benefited from mass amount of government help and programs GI Bill, New Deal etc... (almost all exclusively went to whites). They are the products of a time when wages were comparable to inflation. Not all boomers are out of touch but a significant amount of them are and unfortunately that demographic is overly represented among our elected officials which is problematic.
@@mjohnson1741 It's so weird how my grandparents are complete boomers who judged my sister for quitting her job without one lined up because she didn't want to be complicit in their safety violations. Meanwhile my mother is also technically a boomer, but spends more time texting on her smartphone than we do and let's us stay at home rent free so we aren't 30 or older by the time we can afford a house.
@@mjohnson1741 Dude you are out of touch with what you think happened to boomers. We had parents that chewed us up and spit us out for being weak sniveling complaining brats. None of your generation has gone through a struggle in your life. No American really knows what it is like to be poor until you go to some other country. Every one blaming everyone else.
You gotta love when people like Dave Ramsey and his ilk talk about government overreach but then try and control every aspect of their employee's (and employee's families/loved ones) lives. It's perfectly fine when they do it but they'll be darned if they let the "gubberment" tell them what to do.
So true, that’s what frustrates me about evangelicals. They claim to be all about limited government but are obsessed with moderating human behavior so that we are all forced to fit inside the conservative christian mould (anti-LGBT+, anti-marijuana, anti-choice, anti-science, etc.) then act like the victim when someone is vocal in their disagreements
I watched Dave Ramsey for a while. Then I saw a clip where someone asked whether or not they should join an MLM and his advice wasn't a clear and decisive "no." Claiming he knew people who had gotten rich in MLMs. I knew at that moment the guy was a scam artist.
Can you imagine the unnecessary stress that spouse interview thing could put on a marriage if it became obvious that one didn't get the job because his/her spouse messed up the interview? crazy
@@deadpoolongoogle9682 Actually Jesus did care about money. He knew that money was important.................he just said give it all to the poor, so you could make it into heaven. :-P
@@YBM2007 I can't tell if this is an excellent troll, or another one of the countless Christians who have never read the tenants of the Bible. Either way..........amazing!!
I knew a couple of people that worked there and they seemed relatively happy with it, but that was over a decade ago before he started his cartoon villain arc
He started out as the son of a real estste CEO, and he worked his way up to being a CEO of his own real estate company. Proof that hard work can take you anywhere.
Sometimes Dave gives decent advice, but he has that boomer attitude of "I was broke once, now I'm a millionaire so ANYONE can do it!" as if he didn't catch lightning in a bottle. I respect he worked (and works) hard at what he does, but his situation is not everyone's.
The guy came from a wealthy real estate family too so it’s not like he started out poor. Hell, the only reason he went into bankruptcy is because mommy and daddy set him up with real estate loans that someone in their 20s had no business having and wouldn’t have had if it wasn’t for rich parents.
My husband and I attended a church that offered his FPU. At that time his website stated (not sure if it still does) that churches that offered his program supposedly had be debt free. This church was in debt over 3 million dollars for a lavish building and 40 acres of land. Dave doesn't care all he cares about is collecting the money.
In reality, he's probably just playing the role of a Christian. He doesn't exhibit the qualities of a Christian and any charity he gives to is for a tax write off and not out of some desire to do good. You can judge a man by who his friends are and if his friend has had affairs on his wife and he's alright with it, that tells me about all I need to know. His other comments just back up my assessment that he's playing a role for his audience of boomers.
@@ColonelHoganStalag13 He's an evangelical Christian. Their entire world view requires that they believe they are superior to all of humanity, including other Christians. When a non-evangelical Christian does something immoral, they are hopeless sinners. When an evangelical does the same, God will forgive them because they are inherently better. They go to the right church, after all. Its why he often attributes immorality as the cause of poverty; because he believes that if one is "good" like him, God will make them wealthy if only they try juuuust a little bit. After all, he's only had to try a little bit, and look how wealthy he is! Its also why he and others like him are so opposed to government assistance, but usually are okay with charity. When the government gives people money, they consider it to be their tax money going to filthy heathens who choose not to help themselves. But when they give money, they can choose to give it to the "right people" on their terms. Bonus points if they can make them feel indebted to their religion. Its all a matter of control.
@@CheezMonsterCrazy I know you don't need this said to you, but I say it just so that a counter to Dave's worldview outlined in that comment exists adjacent to it. God doesn't forgive anyone because they're better, as all have fallen short of perfection. No one is "good enough" for God, that's why forgiveness is a gift of grace. All who want it receive it. The only prerequisite is to ask. As for immorality causing poverty, yes, immorality can cause poverty. After all, if you're a glutton or lustful, you might partake in acts that cause your money to bleed from you. Although, immorality can also make you wealthy, if your vice is greed. As for the converse, if God implies wealth, not necessarily. What is implied is that you will always have what you 'need' (i.e. won't die of starvation). Anything beyond that feels situational, like, you don't pray to God to become rich, as then wealth is like your idol. If anything, you'd pray to be able to help the poor, and God would provide you with a means to do that (notice though, the money would flow through you, NOT into you). For the charity vs. government assistance thing, I honestly don't know a good viewpoint for this as that's a politics meets religion situation. The only Biblical reference I could use is the thing with the denarius where Jesus says "render unto Caesar what is Caesar's." So, they should be fine paying the tax, as that's the present law, and how the government uses it is how the government uses it (Although, then you get into the situation of: ok, if the government uses taxes for war, should one not judge how the collected money is used?) I think the basic logic though for why a Christian might be pro charity vs. government hand out is because, in the prior, it has an additional impact. At least in my personal heart, if I give you something, hopefully you feel the love of a fellow human, compassion. When the government gives it, it's just something dead, inorganic. By virtue of the prior containing true compassion for one's fellow man, the hope is that it would actually result in a greater change on the afflicted person, beyond just the number on their bank account.
Word. He uses the same sort of tactics to shut up critics that Scientology uses. The real red flag for me was when he basically said "Only I can help you solve your problems". Cultish to say the least. Anyone says that? Run away!
Agreed. I have worked for a company that was heavy into Scientology (the owners were into Scientology), and this all reminiscent of the experiences that I had while I worked there.
I liked hearing some of his advice. But it is pretty funny how much he judges people who need money when he was millions in debt, and didn't get out of it without his daddies help.
@@michaelpalumbo4880 Well the reason he got into millions and millions of debt was because he was given loaned money from his family that had connections in local banks. He didn’t make 6 million bucks by 26 on his own. And then he filed for bankruptcy so yeah government bail out. So he is a huge hypocrite for judging others financial problems when he has had a ton of help.
And he also got out of needing money off the pockets of people who need money...weird lol. I too was a viewer and was annoyed by his judgmental ways but the last straw was that infamous stimulus check episode.
Exactly, that's 3 months of freeze dried food storage, $600 is a significant amount to those who need it. Why kick a poor person when they are down is what I dont get.
The funny thing about the boot straps metaphore is that it is impossible to pull yourself up by your boot straps anymore than that it is possible to pull yourself up by your own belt.
Everyone could do better on their finances. But I don't think our economic system would even work if everyone was perfect in their work and discipline. The income disparity and people's control of wealth won't allow for it. there are always going to be the have and have nots
When that dude is on his death bed, someone should figure out exactly how much money he has and when he asks the doctor how much the life saving surgery will cost, tell him it's $600 more than what he has. Poetic justice. Imagine your wealth becoming a personality trait. This guy is literally nothing without it.
I feel like the whole coronavirus lockdown has turned this mans financial philosophy upside down. Its hard to take personal responsibility when the whole world has been forced out of work.
personal responsibility isn't the only variable. Compare the rates at which real estate and wages increase. Accounting for inflation, real estate doubled and wages have remained the same since the sixties. Putting in the same amount of effort a boomer put in will not reward you with the same lifestyle.
@@madbro4803 so true. The artificially high real estate market is the least free market thing there is, yet Dave never speaks about "big government" that enriches him.
@@johnmiller7769 The moratorium on evictions and foreclosures is the perfect example. Fewer houses going on the market and people are incentivized to bid whatever because it's 16 months of no mortgage payments so far. I haven't run the numbers on the average wage and average home price for a couple of years but I bet it's significantly worse now. P.S. I bet he's heavily invested in real estate too. Most of these loaded types are.
It's weird because I took a personal finance class in High School which used a lot of Dave Ramsey's videos. It inspired me to study finance in college so I feel like I owe quite a bit to him. At the same time, the older I've gotten the more I feel that every single action and view he has outside of a very narrow window of personal finance is either cruel, unempathetic, uninformed, or ignorant. I'm semi conflicted.
There should not be any conflict regarding this . Any person that is boomer , christian and white male their opinions should be shoved down their *ss . Dave Ramsey is a cult leader pretending to be wise person
He offers the same advice my late grandfather who grew up during the Great Depression and never finished High School used to give. Many generations were like that. It's basic personal finance, which is no longer taught to students in public schools.
"bro just eat rice and beans and also have really nice connections in life and be super privileged bro it works just try not being poor bro it's so easy dude"
I could see through this guy from like literally day 1. Every time someone makes a career off of giving advice to people that about 40% of random people with a few weeks research could, you have to conclude that this person is in it for the money and recognition they get, not because they're truly passionate about helping people. Good educators are always learning more themselves so they can teach better, not repeating 8-10 basic things over and over.
In that first clip - Dave doesn't recognize his version of "broke" is a completely different version of broke than people who needed a stimulus check. His version of broke was too much debt he couldn't pay back he had to wipe by declaring bankrupt. A lot of people's broke right now is trying to pay rent or feed their child. Used to be a huge fan, but he's got a lot of problems, also his advice 80% of the time is mediocre at best.
Yea, it's like a body builder claiming he used to be overweight and he lost weight, as evidence it's easy to lose weight... I don't like the "I used to be broke" schtick... It belittles some people's very real struggles. I work with people that are truly broke.
@@kaufmanat1 even many people use the ' I use to be homeless' which is cool because they technically didn't have a house but they were sleeping on couches and in a car which is 100 times more than most homeless people ever really have
"Cult leader" is the perfect way to describe him, so this was the best video title to choose. Everything he says you're not supposed to question; you're supposed to take his word as gospel; he keeps you in fear of his wrath if you dare go against him. I was in one of his Facebook groups, and if you mentioned ANYTHING that even seemed to venture away from what Dave Ramsey apparently disapproves of, then comments were deleted. Including your lifestyle or how you conduct your finances. Comments deleted left and right. I had some comments deleted that didn't make sense to delete, and I saw many other comments (before they too probably got deleted) complaining about their comments being deleted. You couldn't even have a discussion without being 100% in agreement. This was a few years ago, and even then, I knew this was creepy cult-like stuff. I removed myself from the group. I was looking for discussion with grown-ups, not looking to join a cult. I thought about how toxic it must be to work for him, if just merely being a Facebook group member was controlled in such a manner. It's way worse than I ever imagined! I am absolutely appalled that he think's it's cool to ask about a potential employee's sex life during a job interview! And they interview SPOUSES? This guy doesn't know what a boundary is. Speaking of, discovering this information makes me lose respect for John Deloney. How can you work in such a toxic environment where boundaries, gaslighting, and control are the company culture, while at the same time advising other people not do the same? That's peak irony, and I'll forever look at him in a new light now. I can't imagine how miserable a lot of those employees are.
I’ve spent decades in finance. Sadly this attitude is all too common. Elitism and lack of empathy for anyone who doesn’t have loads of discretionary income. Hoping I can spend the next few decades building something different.
@@TheTurdballs420 Bull... There's a lot of people going hungry in the US. And a lot of kids relying on school to get at least one semi-decent meal a day... And there are even more who're suffering from obesity and malnutrition because they can't afford anything but the cheapest food. Or because they don't have access to proper food.
@@tangogent oh I see them. I see them at Walmart mart with their fat rolls. You are not starving to death with fat rolls and obesity. As far as kids go maybe their parents shouldn’t have been awful people and had more kids than they could afford?
Dave Ramsey: "you need to get out of debt as soon as possible. Save every penny you can." Also Dave Ramsey: "a stimulus check won't solve your problems, you are completely stupid if you think so!"
There is nothing wrong with saying those 2 statements...My current situation is not resonating with Dave’s advice since I take advantage of credit. But he tells people that are bad at budgeting to save money pennies because they are living beyond their means. When I used to watch him more, he had people call in who were responsible and had a ton of income and money saved up...and he would tell them to spend more money, but they need to be aware of how much they are spending. It’s very foundational stuff. And yes, a stimulus check will not solve your problems. Because after you spend those few hundred bucks in the next month or so, you are back to the same situation that you were in before you were waiting for that money. And you could also be dealing with added inflation down the line due to that spending.
Whew you did this justice. I stopped watching him a year ago. He’s such a bully and completely out of touch. I’m sorry but the bad outweighs the good at this point
My savings was wiped out from a medical expense that was unexpected. The stimulus saved me from going in debt. Now I can focus on rebuilding my savings and keep my investing going.
He's gonna need milk for this burn. I used to be a fan of Dave Ramsey. He is a one trick pony. Rice and beans. Cut expenses. Now this is coldhearted. The cognitive dissonance is astounding! He came from a wealthy family in the real estate business and got a huge loan he was never qualified from a bank based on nepotism. What a hypocrite christian. EDIT: This video is fire. Its soooooo good! Sharing. Forget 90 day fiance for the drama. Watch the shit show that is The Dave Ramsey show.
Yeah I thought the core message of Christianity was helping the poor and vulnerable, loving and not judging others? Ugh! What a distortion of a beautiful, simple message. 😳
Speaking of cutting expenses, stealing is sometimes slangily referred to as a "five finger discount" for a reason. And then he wonders why some folks on the street without money of their own might steal (or beg, for that matter, especially when they might not be able to get away clean with stolen food and other goods).
Dave is correct about a lot of things. People blow away money on useless stuff too much or makes poor choices in life. Dave went through a lot of errors in life so he's pretty cynically about spending money on useless stuff. For me my 600 dollar stimulus wasn't really much good for heavy duty stuff other than good for a few investments and buying some food. Dave is clear, cut and dry when he tries to give advice.
Ramsey is childishly immature, unaware. I don't know anyone who thought $600 would change their lives, like he said over and over. It was just a bit of money that would help them.
Dave Ramsey is basically financial advice for people with an IQ of less than 100. Which is a lot of people. But he gives some ABSOLUTELY TERRIBLE financial advice. He's great for cutting expenses, absolutely atrocious for business, debt issues, using debt to create income. You could get the same advice from most brochures at a bank.
Man, I've been quietly following your channel for awhile, and you are a beacon of hope! You being honest, and just transparent helps more people then you realize! Keep up the good work!
@20:37 so he thinks credit cards are the devil because they manipulate people. Then proceeds to manipulate the lives of every single employee unfortunate enough to have crossed his path. Listening to this story, the entire time, my jaw was floored. Working for his company sounds like a bunch of dystopian novels all rolled up into one horrifying, real life, package deal.
John Delony looked so uncomfortable when Dave was talking about the stimulus. You can tell he doesn't want to be a part of that but can't help it because he needs his job.
i love it when dave ramsey talks about multi-level marketing companies and says they're not all bad and that some people he knows have gotten rich with them -- oblivious to the fact that he met these people at some swanky place in mexico or whatever after he (dave) was already rich. those are the assholes exploiting their downlines, dave! the poor schlubbs thinking they can be rich from MLMs are never going to be rich.
That is not surprising, as Ramsey solutions has some similar concepts to an MLM company in that they sell products for big money that can be obtained just about anywhere for little or no cost.
I swear I stopped listening to him when he said MLM’s were not bad and a legit business opportunity when a called asked him about the chance of joining one. That made me realize what a clown Dave Ramsey is.
I bet he is pals with Betsy Devoss -Amway. Who have bullied and brainwashed using Christian teachings to make their billions on the backs of the desperate and gullible.
"i never needed 600 dollars even when i was broke" ngl, i think the economy was alot more thriving like 20 30 years ago whenever he was broke compared to the global pandemic in 2020
We used the baby steps and it was life changing for us. But we don’t recommend him anymore. At first we were everything Dave, but as time went on he did so much to turn us off to the point we could no longer recommend even his books. He is flat out embarrassing. But his crap over Covid ticked me off because almost all people who are his financial peace course and book customers came to him broke or with financial problems. They are the exact ppl he talks crap about! His whole customer base is made up of people who didn’t have their self together when they started. So why didn’t he view the suffering ppl during Covid as simply people who hadn’t had to opportunity to learn his program yet or become financially savvy. He literally talks shit abt potential customers! Many people aren’t broke because they are lazy , it’s because they’ve never been taught how to handle finances. He could have used Covid as an opportunity to offer free outreach programs to help ppl get thru such a tough time. He would have gotten some great publicity. But instead he dogged people out and kicked them during the worst time. He is not a good human.
@@gsabella4 So it took 3 years for that to happen? I bet they made a killing after his book tour was over. I highly doubt he is fired for being unfaithful and imagine he still has strong connections behind the scenes. As any smart businessman would do.
@@JoshuaFluke1 1000% agree, man. It's documented that Dave knew about this yet swept it under the rug because yes, Hogan was a major earner, i actually really liked the guy he had a great voice and message.
I stopped listening to this guy a little while ago after I started working in the financial services sector and learned about how much inconsistent and misguided information he says. On top of that, this guy's ideals and values are a little ridiculous. A friend of mine, who was an ex-Christian divorcee, spoke to him about paying off his debt and the first thing Dave said over the phone is that he's clearly not "disciplined" enough to pay off that debt if he couldn't save his marriage or stay a Christian...like wut 😐
This is an even worse form of gaslighting because the subtext is that the people who do need this money don't deserve it, that poverty is a sin of choice not sometimes the result of external forces. If you're broke it's your fault so why do I need to pay taxes if those taxes go towards helping people who broke some sort of rule or did something wrong and don't deserve help. Entitled rich white guy grievances.
@@PhilLesh69 There was no reason to put white in there. There are black people that prey on others that also are black, whites that have screwed other whites, etc. Unity by gender or skin tone never truly existed. White people helped slaves and fought for their freedom. Individuals. Judge by the content of one's character - MLK, Jr
@@InvestLarge There was every reason to put white in there. January 6 was about white people who think that they are a tribe and that this country belongs to them. I don't think like they do, I despise those miscreant cons, and I can definitely call out white racists if I want to. If you want to call out other racists and feel like it's unfair to white people, well ... that's something you need to reflect upon. If you take issue with me having a concern about this, maybe you sympathize with them? Maybe your church is telling you that white people are being attacked? Or maybe you think I'm one of them??
Not really because lots of people are really really really bad with money and make absolutely terrible life choices, the waters are deep like an ocean. As to the racism it's the easiest cop-out argument going. Half the successful people in athletics, movies, and everywhere else are black. Oprah, Michael Jordan, Jackson, etc. Race has nothing to do with success in the modern era.
![Lp. Сердце Вселенной #60 РОЖДЕНИЕ ЛОЛОЛОШКИ [Финал] • Майнкрафт](http://i.ytimg.com/vi/YoR0pAV9FVQ/mqdefault.jpg)
Spend less than you make. Pay off high interest debt. Credit cards bad. Now I'm Dave Ramsey.
Chris Hogan is still on their website, but even if he left, he cheated in 2018 and it's now 2021. Thats 3 years they let him stay. However you can still read about him and book a time with him
www.daveramsey.com/personalities/chris-hogan
ua-cam.com/video/-xKaQYSoNAc/v-deo.html
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Here are my sources -
Dave Ramsey Says You're an Idiot - ua-cam.com/video/bQUA1_Nm3Nc/v-deo.html
Dave Fires People For Premarital Sex -
www.newsweek.com/dave-ramseys-company-fired-12-employees-premarital-sex-1579557
www.tennessean.com/story/news/local/williamson/2021/03/29/can-you-fired-over-sex-life-dave-ramsey-thinks-so/6980891002/
Dave interviews your husband/wife -
religionnews.com/2021/01/15/dave-ramsey-is-tired-of-being-called-a-jerk-for-his-stands-on-sex-and-covid/
Dave Pulls a Gun -
www.nashvillescene.com/news/pith-in-the-wind/article/21096181/deposition-yes-dave-ramsey-pulled-out-a-gun-in-staff-meeting-decrying-gossip
www.thedailybeast.com/spies-cash-and-fear-inside-christian-money-guru-dave-ramseys-social-media-witch-hunt
Hi!
Nice! it's always great to have some sources to get a base of knowledge! Thanks for sharing these links!
Dave Ramsey always bashes mnn, its just irritating. I have encountered his type at my work. My ex-manager would go out of his way to belittle and yell at male staff next to registers at the Stop & Shop Supermarket i worked at. I never saw him do that with women, even if they called out, came in late, didnt finish work etc etc etc.
Its disgusting behavior and also very creepy.
Chris hogan was removed from the me too movement.
"You can still book time with him".....Nah.I'm good.
The funniest part is when Dave Ramsey calls other people snowflakes and then proceeds to throw a tantrum when someone has a mild criticism.
He's a coward with a microphone. If he were sitting across from you, I'll wager he would smile and be quite polite for fear of a fist in the mouth. I've met guys like this before and it is always the same. They've developed this personality of superiority and believe they are above being called out.
@@ColonelHoganStalag13 no he’d still be an ass to your face. He’s so used to holding the power in a conversation that he would behave like that in person.
I hope he gets humbled
@@obi-wankenobi1750perceived power, in reality when he has to deal with health problems, he'll know real from fake
@@obi-wankenobi1750 25 years ago, I ran into Dave Ramsey at a bar. He got smart to me, and I decked him. He's only like 5'8.. Hardly this alpha he portrays himself to be. I absolutely DECKED him.
Dave: "Save in baby steps, start with $1000 and work your way up"
Me: Puts $600 stimulus check in my savings account
Dave: "NoT LiKe ThAT!"
"You must be STOOPEHD! NO WAY YOU CAN LIVE OFF THAT, SHOULDA ALREADY HAD $5000 IN YOUR SAVINGS, STOOPEHD"
If he wasn’t an ideologue, he’d be thrilled that people who are saving can put that right in their emergency fund that he flogs constantly.
🤣🤣🤣🤣
but most people bought doge coin.....
No definitely not like that. That $600 check is probably only worth $300 now.
As a pharmacist that sees people regularly who have to choose between food or medicine, yes $600 can change a life.
Break it down
Very good point.
If an individual needs life saving medicine and has no money... $600 will LITERALLY save ur life
While I don’t agree with how Dave said it (or many of the things he teaches), this would go to prove his point that is $600 changes your life, you aren’t in a great place.
Now, we probably shouldn’t be calling those people idiots. But if $600 changes your life, you need to change something structurally in your life, because that one check isn’t going to solve it.
If $600 changes your life, you need help but you're not stupid or bad but you do need help. Some of those people know it but some don't.
Some people have illnesses or are in a bad situation that is not their fault, and there is little they can do to change it short or mid term.
My mother died and the next day I'd lost my job due to covid. That stimulus helped me be able to properly job hunt and get myself job leaps and bounds better than my previous one while dealing with the loss of my last living parent.
Sorry for your loss. It won't bring your Mom back, but that's awesome that your professional life took an upswing. At least the finances can be dealt with. Keep plugging away, and remember: your Mom will always be with you, in your heart and memories.
Sorry for your loss
dont forget that 600 dollars is not a hand out. Its your money. You paid it to the gov and had no choice in the matter through taxation. The gov just broke off a small crumb and tossed it to you.
@tiki98 Thank you for checking in on me! Going through some mental issues, but I'm working through them with my therapist. My current job is miles ahead of what I had before and I'm doing my best for the present.
Your Mom is always in your heart ❤️. Mine is too, lost in 2017. Keep on keeping on
My adult kids lost their jobs due to Covid. They lived out of state and used their savings to move home. They have taken jobs in retail making whatever was offered, they were grateful for a job. The stimulus funds are rebuilding their savings account. That way they can reestablish after all this levels back out. Dave is not understanding the reality out here.
No the reality is that those checks puts America DEEPER in debt and more slaves to the government, the SAME government who shut down our economy to begin with.
Say hi to hyperinflation.
@@Akihito007 yea, we should let people starve and go broke to avoid inflation
@@Akihito007 LOL.
@@kev9617 they think money makes you go into debt? must be a ramseyhead.
That $600.00 might be just what you need to get your car fixed so you can continue going to work.
Yup. I was able to pay off a nice bit of student loan. 🙂
Right. Some people don't realize that most are living paycheck to paycheck.
600.00 in medication too stay out of the hospital. Hospital bills lights food. Child care.
Literally just thought of this. Had to spend $800 to keep my car running today. I wasn't in a hard spot today, but I have been in the past and know people who have been in that spot.
2 days after I received the $600 check, my cars radiator busted, hose, fan and the thermostat failed and started overheating. Had to replace everything and the money went to that. When I received the $1200, I had to return $800 back in taxes because I make too much working minimum wage. '_'
Why are people so fascinated by his advice? The extent of Dave Ramsey's advice: Spend less money than you make. Debt bad. Money good. Pay off everything. What if I can't afford all my bills dave? Oh then just make more money. Golly gee thanks Dave. Never would've thought of all of this groundbreaking advice on my own
I’m not defending anything in this video or Dave as a whole, but some people do just need to have those things told to them and slammed down their throat. Lots of people in this country have no financial literacy, put everything on cards, live way beyond their means, finance a new car on a small income, take huge student loans for a degree that won’t pay enough to repay it, etc. I agree with Josh here, Dave is an asshole, but he’s also right that our society has an addiction to debt, not enough people are properly taught about it before they are adults
I get your point but like the other comment said sometimes people need others to tell them the simplest of stuff. Dave’s advice should be common sense but people still need it told to them. Just about literally if u watched like just 3 of Dave’s videos on his main UA-cam channel where he takes a persons call, u yourself can answer the question 95% of the time before he says anything bc the advice is simple and stays the same
@@brendanhonea1432 Exactly, I really do not understand why people are so upset with his practical advice. The 1k emergency fund has been such a blessing to me on numerous occasions and I'm ''just'' a student. Prior to me hearing that advice I never thought I could actually do it...but now I'm like ohhh wait!
It's literally 2nd/3rd grade math. He's built an empire teaching what I learned in 3rd grade..........what a genius!!
@@peacheskong2245 It’s mainly because of how things are run in America. So many facets of the American education system rely on loans and debt, as do banks and many other institutions, it’s the government down to the small business. They have ingrained the necessity for debt into the minds of the American people.
I used to listen to his financial advice about 10 years ago. It was solid. I got out of debt and stayed mostly out of debt. He never used to talk about crazy shit like this. It's sad to see what he's turned into. Maybe he was always this way and he hid it well but he sounds entitled and selfish.
Same
Dave has some severe emotional disregulation. The way he abuses people you can tell he's a miserable dude. A miserable wealthy dude.
I remember him from back then as well, he was prototyping it even then. Just hadn't come to fruition yet ;)
Being a ceo has gotten to his head. His yes man has made it even worse
Hey I can give you the same advice but you just need to pay me ok
This is just an extended "if you're homeless, just buy a house"
"Lift yourself up by your bootstraps!"
"Uh, I can't afford boots."
@@sabishiihito lmao lift yourself up by your torn socks then
@@FlagWaverFlagBearer My socks just became dust...that's not a sock its chalk.
I'd rather be homeless than make money working for a douchebag.
@@Matrix803 honestly, facts
This is a great expose on Dave Ramsey's despicable narcissism. He is the epitome of the "OK Boomer" meme.
Don't forget he's the biggest snowflake ever!! Goes completely psychotic if anybody has any feedback............oh, the irony. However, don't discuss it, the "gossip" will melt him on a nuclear level. x-D
For sure, I'm a devout christian and I've been calling him out on his videos for years now. I recommend his financial principles but not his life advice. Financially hes fine but as a life coach he should be a mute. I finally had to stop listening to him because he was making me angry with his horrible behaviour.
And this boomer agrees.
Why don’t you actually just watch the Ramsey show, before you make objections about him.
@@pleaseenteraname1103 well that wasn't helpful. Why don't you try explaining how his videos justify his behavior, hypocrisy and lies?
I’m raising 3 grandchildren full time. To me $100 is a lot of money. To me $600 is life changing. That is 1 month that I can pay all my bills without juggling....guess what Dave.. I might be stupid yet I’m smart enough not to give you a penny.
Damn that's witty. xD
If I remember right---it could have been $20k per family back at the original stimulus if gov't hadn't given money to other crap. To get $600 is a joke in comparison from a government induced shutdown. Oh and we will pay this back one day--or our kids or your grandkids will one way or another through inflation and/or taxes.
@@droptozro Yeah, it feels like the US government is like "oh, we're sorry that you haven't been able to work for over a year because of lockdowns, so here take $600 and shut up about it."
i think i am no follower of dave, but watched quite a few of the snippets and stories on yt
of course money is money, and more is better
the "600$ dont save your ass" phrase comes from the expectation, that you shouldnt need money coming towards you magically. we all should be prepared for unexpected stuff, like we have more than enough food for the next 1hour, so we dont need to constantly run shopping because 1 item was empty after an eating
the problem is not the 600$. the problem is, that these 600$ change your life, they shouldnt do that.
@@majstealth some people were responsible and did have savings. But they went through it.
Dave’s “rant” about $600 not making a difference is what turned me away from watching him. He’s so out of touch with real life and probably has been for awhile. He’s made millions, meanwhile the common people still struggle to make it by. I laughed at one video of him saying to a caller to buy a $1,000 car. I’m like, “Um Dave. $1,000 cars no longer exist.”
Also, when you can’t afford diapers for the baby because of the pandemic, $600 helps a lot!
how much 1998 toyota corolla costs in your country ? i'm curious
@@turtlesareourfriends Even cars from the 90s cost 2k or above. AND even at that price you're just paying the downpayment up front. You will be spending lots on repairs and parts really soon.
@@plussa666 if the car can turnover and get you down the street, it’s worth at least $2k. Doesn’t matter how janky or messed up, doesn’t matter if it needs oil and tires and sacrificing pride - if it moves, it’s worth at least $2k. That’s about the floor here. And honestly, the used but decent threshold is closer to $7k.
Dave’s advice is crap. Cars are money pits - and buying something dirt floor cheap could wind you up in more debt over the next 5 years than if you’d paid more up front for something just a little better.
hahaha, ❤❤yep...the wierdo out of touch dave says "deliver pizza at night....that will bring in 2 or 4 grand a month!!!!"....FFFFFFN INSANE!!!
@@lunam7249yea Dave hasn’t been in touch with reality on the ground. I currently working full time on food delivery apps and in my market (Houston), making $1800-2500/mo. So working part-time delivering food wouldn’t likely get you $2k extra 😂
I think Dave Ramsey is just mad because he didn't qualify for the stimulus.
@UA-cam Is A Punk pretty sure he got a couple of mil of PPP.
lol
Bet his wife gives him no stimulus
For insulin dependent diabetics $600 can be life or death. Sounds life changing to me.
600$ for insulin ?! here in my country is like 1$ ? what u guys doing wrong ?
@@elieoni-6213 Trump dropped the price to 8 Dollars. Then Biden came and overturned it.
@@Vinicius.Passos. short sighted and untrue.
@@elieoni-6213 big pharma has set it up so americans can only purchse the newest and most top shelf insulin. Any of the older insulins that cost far less aren't allowed as they have a higher rate of side effect. In truth, pig insulin is fine for just about everybody.
@@joeleek9976 how's that? please enlighten me with the truth.
Joshua - one of the reasons I subscribe to your channel and became a member is that you have different types of content, but you generally stay in your niche/genre, even though you do skits, destroy job descriptions, talk about personal issues, etc. For me, you are easy to connect and relate with. I like Techlead and Engineering with Utsav, but you are 'by far' my favorite of the three channels. Keep it real and keep doing what you do. My only advice would be to not look at the stats 24 hours after a skit and take it too hard. Trust me, you are doing great things and your success will continue to grow, over time.
I agree Nathan 👍
Agreed. I like a few Techlead videos but the "as a millionaire" is getting old.
I stopped watching the tech lead after all the algo expert stuff, that was some shady business
I also concur... make it so
Interesting, because Techlead has the toxic personality that Joshua constantly calls out.
One evening on my way from work I stopped at a gas station and there was a older man standing by the ice machine, I walked by and said hello and when he said hello back he kept his head down. I went in grab my things and on my way to my truck I stopped and asked if everythings okay because you could tell he was having it rough. As we we're talking I asked him to raise his head up an look at me and when he did he had tears in his eyes telling me he just keeps his head down because normally people have nothing but mean hateful things to say. I gave him a hug and the last bit of cash I had! He tried to give it back saying sorry that I felt I needed to give him money. I dont know who he was, didn't even get his name. But it's terrible we treat dogs better then we treat each other! Don't kick a man when he's down. Did that 40 buck changes the man's life no but helping each other will change the world. Pay it Forward!!!
Well done mate
40 dollars can absolutely change a life. It could mean the tank of gas to get them to a life-changing job interview. You did good work that day.
Right on dude. You changed my day today! Good story.
God bless you for helping that man get high one more night.
Out of all the things that didn’t happen, this was the most thing that didn’t happen.
600 wasn't supposed to change your life. It's supposed to do the opposite. It's supposed to keep you in your house with the heater on in an unprecedented scenario.
Exactly! We are in an unprecentented situation that is not normal. Also take the insane cost of healthcare, some people have to make the choice between paying eating and taking insulin. I t hi nk the baby steps are awesome but as a person, Dave is very flawed.
Gotta love how a millionaire can't understand how much $600 can mean to someone who's broke
Imagine if Jeff Bezos told Dave Ramsey that having $475 million dollars Only, means that something is seriously wrong with Dave's live, because having Tens of Billions of Dollars is the normal thing in Jeff Bezo's circle. Imagine the outrage Dave would be having. Imagine if Elon Musk told Dave Ramsey that he was a loser for not being a Billionaire at Dave's current age.
@@mjs28s I think something that sounds fine 30 years ago in a good economy is just too tone deaf in the middle of lockdowns forcing so many businesses to close and people be laid off, after millennials were already so financially ruined by previous recessions and financial crisis that were in large part created by the scams and corrupt governments led by boomers. Let's not forget how boomer politicians got the country trillions of dollars into debt and raided their own generation's retirement funds, forcing millennials to pay for the previous generation's excesses, not to mention all of the environmental damage.
@@rukisar6312 correct and now our children will be next if we don't course correct now.
@@rukisar6312 Don't forget that young people voted for those "leaders"
I don't like Dave Ramsey but at the same time don't believe somebody who does fuck all deserves any pay. I live in a country with countless lazy pigs. I understand how much it spoils someone. But Dave Ramsey is a special variety of prick
When I was a kid, I had an unemployed dad who was also a Vietnam vet who had risked his life to serve the country. $600 made a difference in the months we needed food. Dave’s rant is profoundly offensive; so many deserving people need help.
Joke's on you, Dave Ramsey! Bought a DSLR camera with that stimulus and am now taking photographs for a living!
I used it for photography business too. Awesome 👌
It is funny, his first baby step is to save $1000. Then says $1,400 means nothing. Then whats the point of baby step 1? Haha
The point is that it's a first step, he says you should not stop at those 1,000. That's what I understand from his videos. I do think he is a rude man.
Maybe back when he started the Baby Steps in the early’90s.$1,000 in 1992 covered at least 5 months worth of rent & expenses.
The point of baby step 1 is to get you into the mindset to make the lifestyle changes necessary to save $1000, because if you can't do that, proceding to baby steps 2-4 (pay off debt, full emergency fund, save for retirement) is going to be impossible. Its not meant to be a full emergency fund, but its a nice round number for people with poor fiscal discipline to shoot for.
@@bigroy38 More like 3. Still a lot tho
@@chikipichi5280 maybe like 2
his "Better than I deserve" catch phrase has more truth to it than I realized
He never got caught for the Zodiac killings he did in his youth
Its funny how Dave omits the fact his dad owned a real estate company and portrays himself as "Yeah i just started working out of high school and made it on my own"
I never realized Josh and Alex exist in the same universe.
lol
Was just about to comment this. Seriously, who says that every time someone asks you how you're doing.
Ramsey is so privileged and insulated from the effects of the pandemic that it’s almost like he has no idea Covid 19 exists.
Exactly his millions have made him cold hearted
It’s made worse by the fact he had to declare bankruptcy and yet doesn’t understand how any could be poor beyond their own failings. It’s not like the market can pull the rug out from under you at any day and boom all your savings gone
@@deadpoolongoogle9682 I'd like to see what kind of man he is without his millions
I couldn't have said all this better myself.
He doesn't think it's real
This is heart-breaking. I was a follower of Dave Ramsey for a very long time. I am learning more and more about how disgusting this man is. Not to mention this financial advice is disastrous in the long-term. Never listening to Dave again!
I've seen his videos before. There's nothing to follow.
Try to pay cash or keep any loans within your budget.
Don't carry credit card debt.
Contribute to a savings account.
Think about your purchases/don't buy stuff on impulse or stuff you really don't need.
Contribute to a retirement fund.
Contribute to an index fund.
If you do have credit card debt pay off the lowest card first and "snowball" the payment into the next lowest card to pay off everything quicker.
I may have missed a few (it's late and I'm tired). But it's all common sense type of stuff. Credit card debt can chew through household income with ease. Once it's gone you'll find you have a lot more money to do the positive things listed above.
I'm not seeing why someone would need to drag that advise out for years and have a following. Either his fans did the right thing or they didn't. If they're listening to him (or anyone else that milks this advise for make a living) after they've eliminated their debt then they may have other issues.
@@andreo I get that debt is bad and in the Christian view it’s a sin? (Idk, I’m agnostic). But to hold off from any investing (even a 401K) until all your debt is paid off is a ridiculous piece of advice.
@@mobamba4172 debt is a sin
@@alicelong3613 living your life paying off debt and ending up with no money in the end is not worth it
Good question: after reading the Bible several times and debt is not a sin just not recommended.
Sin is something that is destructive to yourself or others. Things that can put you on a cliff are not sin like having a beer. If you pound a 12 pack a day than that is jumping off the cliff. Jesus made water into wine and it was a massive amount as in about 120 gallons of top shelf wine.
That whole tirade of how $600 can't help anyone.
"How many households do you think can afford a $400 emergency being dropped on them?"
"No one can."
THEN MAYBE THEY NEED THE $600 DAVID!
I stopped listening to him because he's an ass, I don't think he appreciates what he has. But what you said, legit sounds EXACTLY like something he'd do.
He filed bankruptcy before, that’s the biggest government bailout ever.
LMFAO, guess he's the bigest looser after all. What a joke he turned out to be
@@drmoose7233 you missed the point completely
Exactly
@@drmoose7233 "loser"
so do you like government help or nah?
I feel like your niche is, "how to NOT get fucked over." By corporations, family, friends, religion, or people who look to persuade you for their own greed. Your life culmination is this. Keep it going.
lmao - yup that's the niche.
Wow that is definitely it!!!
Super likes
*cults, FTFY, but yea
^^^^THIS^^^^
Dave Ramsey was born into extreme wealth and inherited tens of millions when his parents passed
Nah, you got that all wrong. He pulled himself up by the yee old bootstraps
🤣
A lot of monsters hide behind the “Christian” label.
The irony is,the real christ was never a moron
Amen. Many narcissists hide in the church to hide their empty soul.
It's extremely unfortunate. As a Christian, it's almost more an American cultural club now rather than about loving God and your neighbor.
What a monster, answers calls of people in need of help, he gives advice that is the fastest way out of debt statistically. What a monster
@@KA-mq4wj BiiiG Faxxx
Nicely done, man. It was nice to be mentioned as well. If you'd like some clarification around that meeting and some additional info, hit me up. Dave is not the good guy he presents himself as and this needs to be made public.
@Coffeezilla might also be interested to hear your testimonial. He does a lot of videos exposing fake gurus / cults.
He’s obviously not a diabetic that has to purchase insulin and needles at $600 every month to stay alive
Yes!!!! Amen! I was able to get a dexcom and insulin pump thanks to the stimulus. Kind of life saving to a diabetic.
You shouldn't need to spend 600 dollars for freakin insulin
Exactly, but that is a different issue.
Damn, american health care is really a joke
Ok so you get a free month coupon... didn’t change your life...
Can someone please call in and ask these questions on the show 😂 I know it would never see the light of day on their youtube but it would speak volumes if they just shut them down.
holy shit its mason its weird to see you here.
I am using the stimulus check to buy a trailer to start a business for my kids. It's literally changing our lives. Ramsey is incredibly myopic in his analysis.
@@ariesaraya1822 That is completeley wrong, and you have not done your research.
Good on you! That's actually wonderful!!
Daves a grumpy old fart
"LOSER!!" "DRRRRRRR!!!"
- Dave Ramsey
I use it for my down payment I was 500 dollar short lol
How is firing a newly pregnant soon to be single mother the "Christian" thing to do?
So just because someone is pregnant, they shouldn't get fired? Load of bollocks
@@_trust9994 not what I'm saying at all, I'm saying it shouldn't be the reason for their firing.
@@sbranham314 yeah if you indeed have a prove for that then it's disgrace not sure if it's legal.
The woman dave ramsey fired was told by HR she was being fired for having sex out of wedlock...that should be enough to prove that.
@@sbranham314 I work in HR. That whole HR team should be banned from working in HR ever again.
I've lived in Nashville all my life. I've had 4 friends that have worked for Dave. All of them say the guy is a complete a-hole and treats his employees like crap.
Yeah, a friend of mine had an encounter with Dave's wife a few years back. She was an a-hole too.
Employees complain about bosses all the time. I’ve seen some of the complaints and frankly it seems like just a below average company in terms of employee experience at the workplace.
He’s made millions of people better with their money. Take his advice on money (free on the broadcast) and run with it. Don’t work for his company if you don’t like what you’ve heard. He’s a classic authoritarian boss, but obviously a good one (from a business standpoint) given the company’s success. I would hate to work for him, which is why I am going to use his advice along with others to permanently get away from having a boss.
@@TinCanToNA I love this response. I have used Dave's framework and I am on Steps 4 and 6 (15% towards retirement and pay off house early). Dave is a hard core Republican and he definitely believes in what he is doing. His belief is what gives him the strength to go on his tirades, fire people for totally biased reasons, etc.
@@theflyingsmiley01 nothing wrong with his beliefs though.
@@TinCanToNA that is right. He can believe whatever he wants to believe and he is willing to pay the price for it.
Dave Ramsey is a perfect example of what happens when a child is not allowed to fail, has everything handed to them and told their poop don't stink. They have to construct a story that they did it all on their own while disparaging those who actually do, because it gives them an inferiority complex to look at people struggling. He has never really struggled because he always had his parent's money to fall back on.
As the wise and informed Paris Hilton once said "Stop being poor." That's the mindset of people who haven't had to experience being broke or growing up in a household that was and beyond your control.
Dave: I've been broke.
No dave, you lost your wealth with loans you got from banks because your parents had connections. Being broke is being all alone with no connections
.
Yeah. He was stupid with his money and got caught. Poor is you are still working and still can't make it.
@Benjamin Muller Yep, he was caught with his pants down after likely copying the strategies of his parents only to have those strategies stop working because a change in the tax law made them too risky for lenders. He couldn't think for one moment about the effects it might have before it went into law and change his strategy to be less risky while he had the chance.
I dont really agree he was bankrupt and his whole life changed he was "broke"
@Benjamin Muller Pretty much the same story as Trump. Successful because of mommy and daddy, yet still managed to go bankrupt, yet still bounced back because of connections he wouldn't have had in the first place if it wasn't for daddy. Arrogant as hell too.
He is literally the poster child of a Boomer! The accent, the face cut everything 🤣
While I find Dave Ramsay to be arrogant and dogmatic, your generalization about “poster child of a Boomer” is highly unfair and does little to advance your argument or credibility. I am a “Boomer”, yet most of my close friends are much younger than myself, so it is possible for Boomers to relate to other age demographics.
@@thomburleson7661 I think the assessment is fair. A LOT of the boomers who are set to inherit mass wealth are out of touch. Their attitude is pull yourself up by the bootstraps and stop complaining. They fail to realize they benefited from mass amount of government help and programs GI Bill, New Deal etc... (almost all exclusively went to whites). They are the products of a time when wages were comparable to inflation. Not all boomers are out of touch but a significant amount of them are and unfortunately that demographic is overly represented among our elected officials which is problematic.
@@mjohnson1741 It's so weird how my grandparents are complete boomers who judged my sister for quitting her job without one lined up because she didn't want to be complicit in their safety violations. Meanwhile my mother is also technically a boomer, but spends more time texting on her smartphone than we do and let's us stay at home rent free so we aren't 30 or older by the time we can afford a house.
I am a boomer and I disagree with what he is saying.
@@mjohnson1741 Dude you are out of touch with what you think happened to boomers. We had parents that chewed us up and spit us out for being weak sniveling complaining brats. None of your generation has gone through a struggle in your life. No American really knows what it is like to be poor until you go to some other country. Every one blaming everyone else.
You gotta love when people like Dave Ramsey and his ilk talk about government overreach but then try and control every aspect of their employee's (and employee's families/loved ones) lives. It's perfectly fine when they do it but they'll be darned if they let the "gubberment" tell them what to do.
Tyranny is Tyranny. Doesn't matter who's oppressing you, what matters is the oppression. Well said.
Well said.
😭😭😭 gubberment
So true, that’s what frustrates me about evangelicals. They claim to be all about limited government but are obsessed with moderating human behavior so that we are all forced to fit inside the conservative christian mould (anti-LGBT+, anti-marijuana, anti-choice, anti-science, etc.) then act like the victim when someone is vocal in their disagreements
Chris Hogan went through hell for a little side action..
I watched Dave Ramsey for a while. Then I saw a clip where someone asked whether or not they should join an MLM and his advice wasn't a clear and decisive "no." Claiming he knew people who had gotten rich in MLMs. I knew at that moment the guy was a scam artist.
I always thought he was “prickly” 🌵 but after covid hit, he just totally went off out of orbit. Sounds a lot like a cult to me.
He definitely acts like a cult leader
As a Christian I dont understand why hes so angry. I dont know any Christian's as insensitive and malicious as him.
No refund for his cruise shameful
Yeah, he’s a tool.
Can you imagine the unnecessary stress that spouse interview thing could put on a marriage if it became obvious that one didn't get the job because his/her spouse messed up the interview? crazy
So in other words,hes interfering in marriages.Even destroying them
@@estherphoenixhappily Yeah, potentially. Hopefully not destroying them, but you never know what might be the last straw in a strained situation.
I wonder if he interviews then in private....
Hilariously hypocritical for a “Christian” like Dave Ramsey to make a living passing judgement on those less fortunate.
That's not true? As long as you're a good person and put God first you can be rich? Look at Salomon and David for example. Or Abraham?
Jesus didn't care about money
@Socio Cynical who said they cant be rich? ppl just make stuff up I swear
@@deadpoolongoogle9682 Actually Jesus did care about money. He knew that money was important.................he just said give it all to the poor, so you could make it into heaven. :-P
@@YBM2007 I can't tell if this is an excellent troll, or another one of the countless Christians who have never read the tenants of the Bible. Either way..........amazing!!
Working for Dave looks like "being in an abusive relationship."
I knew a couple of people that worked there and they seemed relatively happy with it, but that was over a decade ago before he started his cartoon villain arc
His company reminds me of a cult.
He started out as the son of a real estste CEO, and he worked his way up to being a CEO of his own real estate company. Proof that hard work can take you anywhere.
Pulled himself up against all odds🙄🙄💩
Was born with Golden Bootstraps, thinks he worked hard for them.
Didn’t he go bankrupt first before teaching this stuff?
Hi fellow Evan
@@michaelwood7021 broke means different things to different people. Some say they're broke and have $10k in the bank.
Jesus: "Bless those who curse you"
Dave Ramsey: *curses those who mildly offend him*
He's not Jesus. Because he's flawed, proves him human, which doesn't debunk anything.
All Christians are NOT Christ, thus we are all hypocrites.
@@FabledNarrative But he is a older male karen.
LOLLLLSS!
Yes if you happen to disagree with him you are the enemy in his mind. He’s a jackass bully that uses intimidation at his headquarters.
Sometimes Dave gives decent advice, but he has that boomer attitude of "I was broke once, now I'm a millionaire so ANYONE can do it!" as if he didn't catch lightning in a bottle. I respect he worked (and works) hard at what he does, but his situation is not everyone's.
Yes the money has made him hard hearted
You’re very right. And lately his politics and faith has come out more than his financial talk. And it’s the most boomer kind of cringe bs
If everyone became a millionaire, I’m sure he wouldn’t like it. Rich people wouldn’t exist if the poor didn’t.
The guy came from a wealthy real estate family too so it’s not like he started out poor. Hell, the only reason he went into bankruptcy is because mommy and daddy set him up with real estate loans that someone in their 20s had no business having and wouldn’t have had if it wasn’t for rich parents.
@mountainbike S that's not true at all.
My husband and I attended a church that offered his FPU. At that time his website stated (not sure if it still does) that churches that offered his program supposedly had be debt free. This church was in debt over 3 million dollars for a lavish building and 40 acres of land. Dave doesn't care all he cares about is collecting the money.
In reality, he's probably just playing the role of a Christian. He doesn't exhibit the qualities of a Christian and any charity he gives to is for a tax write off and not out of some desire to do good. You can judge a man by who his friends are and if his friend has had affairs on his wife and he's alright with it, that tells me about all I need to know. His other comments just back up my assessment that he's playing a role for his audience of boomers.
@@ColonelHoganStalag13 He's an evangelical Christian. Their entire world view requires that they believe they are superior to all of humanity, including other Christians. When a non-evangelical Christian does something immoral, they are hopeless sinners. When an evangelical does the same, God will forgive them because they are inherently better. They go to the right church, after all. Its why he often attributes immorality as the cause of poverty; because he believes that if one is "good" like him, God will make them wealthy if only they try juuuust a little bit. After all, he's only had to try a little bit, and look how wealthy he is!
Its also why he and others like him are so opposed to government assistance, but usually are okay with charity. When the government gives people money, they consider it to be their tax money going to filthy heathens who choose not to help themselves. But when they give money, they can choose to give it to the "right people" on their terms. Bonus points if they can make them feel indebted to their religion. Its all a matter of control.
@@CheezMonsterCrazy I know you don't need this said to you, but I say it just so that a counter to Dave's worldview outlined in that comment exists adjacent to it.
God doesn't forgive anyone because they're better, as all have fallen short of perfection. No one is "good enough" for God, that's why forgiveness is a gift of grace. All who want it receive it. The only prerequisite is to ask.
As for immorality causing poverty, yes, immorality can cause poverty. After all, if you're a glutton or lustful, you might partake in acts that cause your money to bleed from you. Although, immorality can also make you wealthy, if your vice is greed. As for the converse, if God implies wealth, not necessarily. What is implied is that you will always have what you 'need' (i.e. won't die of starvation). Anything beyond that feels situational, like, you don't pray to God to become rich, as then wealth is like your idol. If anything, you'd pray to be able to help the poor, and God would provide you with a means to do that (notice though, the money would flow through you, NOT into you).
For the charity vs. government assistance thing, I honestly don't know a good viewpoint for this as that's a politics meets religion situation. The only Biblical reference I could use is the thing with the denarius where Jesus says "render unto Caesar what is Caesar's." So, they should be fine paying the tax, as that's the present law, and how the government uses it is how the government uses it (Although, then you get into the situation of: ok, if the government uses taxes for war, should one not judge how the collected money is used?)
I think the basic logic though for why a Christian might be pro charity vs. government hand out is because, in the prior, it has an additional impact. At least in my personal heart, if I give you something, hopefully you feel the love of a fellow human, compassion. When the government gives it, it's just something dead, inorganic. By virtue of the prior containing true compassion for one's fellow man, the hope is that it would actually result in a greater change on the afflicted person, beyond just the number on their bank account.
This sounds more like Scientology rather than Christianity.
Word. He uses the same sort of tactics to shut up critics that Scientology uses. The real red flag for me was when he basically said "Only I can help you solve your problems". Cultish to say the least. Anyone says that? Run away!
If you disagree with him he thinks you are the enemy he’s a bully he will call you a wuss.
@@Tyrannulet2k *Only I can solve your problems*
I can't take that seriously.
Agreed. I have worked for a company that was heavy into Scientology (the owners were into Scientology), and this all reminiscent of the experiences that I had while I worked there.
I liked hearing some of his advice. But it is pretty funny how much he judges people who need money when he was millions in debt, and didn't get out of it without his daddies help.
Just like Trump actually! No wonder he loves Trump lol
@@EvaLasta the only reason he would like Trump is because of his Covid takes. No way Dave doesn't support open borders and offshoring.
Not just his daddy’s help. He filed for bankruptcy when he was millions in debt. AKA government bail out
@@michaelpalumbo4880 Well the reason he got into millions and millions of debt was because he was given loaned money from his family that had connections in local banks. He didn’t make 6 million bucks by 26 on his own. And then he filed for bankruptcy so yeah government bail out. So he is a huge hypocrite for judging others financial problems when he has had a ton of help.
And he also got out of needing money off the pockets of people who need money...weird lol. I too was a viewer and was annoyed by his judgmental ways but the last straw was that infamous stimulus check episode.
$600.00 can help pay for " Rice and Beans" for a family that's battling food insecurity. Empathy is the new debtfree!
Exactly, that's 3 months of freeze dried food storage, $600 is a significant amount to those who need it. Why kick a poor person when they are down is what I dont get.
That's more than half of your Starter emergency fund Dave. Man has no empathy.
Another dude born into wealth talking about pulling yourself up by your bootstraps...
The funny thing about the boot straps metaphore is that it is impossible to pull yourself up by your boot straps anymore than that it is possible to pull yourself up by your own belt.
This guy would make good bbq meat.
@@tizzlekizzle lol
He never had sleep for dinner. Don't need to listen to Dave piece of dung. $600 can help.
"When I started this $8 billion business, I had but two things: a dream, and $6 billion dollars".
This video is better than I deserve
Stopppp 😂😂
Classic lol
Queue the Seinfeld music
😂😂
I see what you did there
Great video Josh. How someone treats "the least of us" is a reflection of their character. You are spot on.
Everyone could do better on their finances. But I don't think our economic system would even work if everyone was perfect in their work and discipline. The income disparity and people's control of wealth won't allow for it. there are always going to be the have and have nots
When that dude is on his death bed, someone should figure out exactly how much money he has and when he asks the doctor how much the life saving surgery will cost, tell him it's $600 more than what he has. Poetic justice.
Imagine your wealth becoming a personality trait. This guy is literally nothing without it.
I would hope they just pull the plug, to be honest
@@TheQANinja 😂😂😂😂
This is just insane. Like I almost can’t believe it’s actually real lmao
Yea
If you think that's insane find out what happens inside investment banks
@@sam9671 I don’t think I want to know
because Josh completely missed the point the guy was saying in the video. Josh cut the part when he says ITS NOT ENOUGH.
@@stellar9553 You claiming that being poor has absolutely nothing to do with the choices you make in life?
I feel like the whole coronavirus lockdown has turned this mans financial philosophy upside down. Its hard to take personal responsibility when the whole world has been forced out of work.
In his world you would brave the virus with zero restrictions.
personal responsibility isn't the only variable. Compare the rates at which real estate and wages increase. Accounting for inflation, real estate doubled and wages have remained the same since the sixties. Putting in the same amount of effort a boomer put in will not reward you with the same lifestyle.
@@madbro4803 so true. The artificially high real estate market is the least free market thing there is, yet Dave never speaks about "big government" that enriches him.
@@johnmiller7769 The moratorium on evictions and foreclosures is the perfect example. Fewer houses going on the market and people are incentivized to bid whatever because it's 16 months of no mortgage payments so far. I haven't run the numbers on the average wage and average home price for a couple of years but I bet it's significantly worse now.
P.S. I bet he's heavily invested in real estate too. Most of these loaded types are.
Dave R acts like no covid or job loss
Dave has to keep his arms crossed so that his heart doesn’t freeze solid.
Thinks he's holding his soul in. Little does he know, he lost it long ago.
It's weird because I took a personal finance class in High School which used a lot of Dave Ramsey's videos. It inspired me to study finance in college so I feel like I owe quite a bit to him. At the same time, the older I've gotten the more I feel that every single action and view he has outside of a very narrow window of personal finance is either cruel, unempathetic, uninformed, or ignorant. I'm semi conflicted.
There should not be any conflict regarding this . Any person that is boomer , christian and white male their opinions should be shoved down their *ss . Dave Ramsey is a cult leader pretending to be wise person
You got interested, you did the studying, you did the work, you owe him eff all.
He offers the same advice my late grandfather who grew up during the Great Depression and never finished High School used to give. Many generations were like that. It's basic personal finance, which is no longer taught to students in public schools.
Can i ask where you went to school? I’m currently fighting it coming into mine and I wanted to see what other districts actually already had it.
@@brotherbrovet1881do ppl need to teach you common sense?
"bro just eat rice and beans and also have really nice connections in life and be super privileged bro it works just try not being poor bro it's so easy dude"
Dave is one of those entitled boomers. I'd love to see him try to build his empire up from scratch today and see how far he gets.
Exactly this! My parent's generation does not understand AT ALL 😠
Thank you for making this video Josh. Dave is so out of touch with reality and I’ve been waiting for someone to call him out.
Dave is out of his mind. People who suffer in debt should JUST SUFFER?!
I could see through this guy from like literally day 1.
Every time someone makes a career off of giving advice to people that about 40% of random people with a few weeks research could, you have to conclude that this person is in it for the money and recognition they get, not because they're truly passionate about helping people.
Good educators are always learning more themselves so they can teach better, not repeating 8-10 basic things over and over.
Right, and you just know that Dave is the kind of person who thinks that no one can teach him anything, he already knows everything.
In that first clip - Dave doesn't recognize his version of "broke" is a completely different version of broke than people who needed a stimulus check. His version of broke was too much debt he couldn't pay back he had to wipe by declaring bankrupt. A lot of people's broke right now is trying to pay rent or feed their child. Used to be a huge fan, but he's got a lot of problems, also his advice 80% of the time is mediocre at best.
Yea, it's like a body builder claiming he used to be overweight and he lost weight, as evidence it's easy to lose weight... I don't like the "I used to be broke" schtick... It belittles some people's very real struggles. I work with people that are truly broke.
And the products he pushes (courses, certain mutual funds, etc) are designed to extract the money from your wallet and put it in his.
@@kaufmanat1 even many people use the ' I use to be homeless' which is cool because they technically didn't have a house but they were sleeping on couches and in a car which is 100 times more than most homeless people ever really have
Josh you do a good job at being kind and understanding the average person in need.
"Cult leader" is the perfect way to describe him, so this was the best video title to choose. Everything he says you're not supposed to question; you're supposed to take his word as gospel; he keeps you in fear of his wrath if you dare go against him. I was in one of his Facebook groups, and if you mentioned ANYTHING that even seemed to venture away from what Dave Ramsey apparently disapproves of, then comments were deleted. Including your lifestyle or how you conduct your finances. Comments deleted left and right. I had some comments deleted that didn't make sense to delete, and I saw many other comments (before they too probably got deleted) complaining about their comments being deleted. You couldn't even have a discussion without being 100% in agreement. This was a few years ago, and even then, I knew this was creepy cult-like stuff. I removed myself from the group. I was looking for discussion with grown-ups, not looking to join a cult. I thought about how toxic it must be to work for him, if just merely being a Facebook group member was controlled in such a manner. It's way worse than I ever imagined! I am absolutely appalled that he think's it's cool to ask about a potential employee's sex life during a job interview! And they interview SPOUSES? This guy doesn't know what a boundary is. Speaking of, discovering this information makes me lose respect for John Deloney. How can you work in such a toxic environment where boundaries, gaslighting, and control are the company culture, while at the same time advising other people not do the same? That's peak irony, and I'll forever look at him in a new light now. I can't imagine how miserable a lot of those employees are.
I’ve spent decades in finance. Sadly this attitude is all too common. Elitism and lack of empathy for anyone who doesn’t have loads of discretionary income. Hoping I can spend the next few decades building something different.
$600 = food for over a month (for 2 people)
That can be the difference between life and death. It is LITERALLY life changing!
Food for a month for two, and food for year if it’s ramen noodles
Don’t know if you’ve been out in public lately but it’s pretty obvious nobody is starving these days 😂
@@TheTurdballs420 People still starve everyday, even in the richest countries. Just because you can't see them doesn't mean they don't exist.
@@TheTurdballs420 Bull...
There's a lot of people going hungry in the US. And a lot of kids relying on school to get at least one semi-decent meal a day...
And there are even more who're suffering from obesity and malnutrition because they can't afford anything but the cheapest food. Or because they don't have access to proper food.
@@tangogent oh I see them. I see them at Walmart mart with their fat rolls. You are not starving to death with fat rolls and obesity.
As far as kids go maybe their parents shouldn’t have been awful people and had more kids than they could afford?
Dave Ramsey: "you need to get out of debt as soon as possible. Save every penny you can."
Also Dave Ramsey: "a stimulus check won't solve your problems, you are completely stupid if you think so!"
Save every penny, but most importantly... Buy FPU.
There is nothing wrong with saying those 2 statements...My current situation is not resonating with Dave’s advice since I take advantage of credit. But he tells people that are bad at budgeting to save money pennies because they are living beyond their means. When I used to watch him more, he had people call in who were responsible and had a ton of income and money saved up...and he would tell them to spend more money, but they need to be aware of how much they are spending. It’s very foundational stuff.
And yes, a stimulus check will not solve your problems. Because after you spend those few hundred bucks in the next month or so, you are back to the same situation that you were in before you were waiting for that money. And you could also be dealing with added inflation down the line due to that spending.
600 was enough to fix my car so I could get a job outside of the home, so, yeah, it changed my life.
"I grew up Christian and I know wolves when I see them." Yep, same.
Your profile photo brought back a 22 year old bad memory of my aunt lecturing me that Pokemon cards were of the Devil.
@@swallowedinthesea11 wow... that's synchronistic.
Do not insult wolves.
gave me chills
Dave Ramsey is borderline "prosperity gospel." White evangelicalism has gone from being "merely" a heresy, to a toxic political movement
Last thing I expected was Joshua making a video about Dave Ramsey. This channel is truly evolving.
Dude, Dave is such a bully. How did I not see it?
UGH
If he's such a bully, then why people stay there ? I'm always VERYYY doubtful of who's mainstream medias are trying to dox and destroy.
@@gadriver he’s short, gotta compensate for something.
@@GooseBurt he screeeeeams short guy energy. Can't deny.
@Jimbo Jimbo because we are not robots and people like to express themselves in different ways on the internet. You fucking robot.
@@GooseBurt How is 5'10" short lmfao
Whew you did this justice. I stopped watching him a year ago. He’s such a bully and completely out of touch. I’m sorry but the bad outweighs the good at this point
Dave on his show: *acts like a jackass*
Media: “Dave Ramsey is a jackass in real life”
Everyone: *pikachu face*
All rich people are jackasses. What’s so surprising about that
My savings was wiped out from a medical expense that was unexpected. The stimulus saved me from going in debt. Now I can focus on rebuilding my savings and keep my investing going.
He's gonna need milk for this burn. I used to be a fan of Dave Ramsey. He is a one trick pony. Rice and beans. Cut expenses. Now this is coldhearted. The cognitive dissonance is astounding! He came from a wealthy family in the real estate business and got a huge loan he was never qualified from a bank based on nepotism. What a hypocrite christian.
EDIT: This video is fire. Its soooooo good! Sharing. Forget 90 day fiance for the drama. Watch the shit show that is The Dave Ramsey show.
Yeah I thought the core message of Christianity was helping the poor and vulnerable, loving and not judging others? Ugh! What a distortion of a beautiful, simple message. 😳
Speaking of cutting expenses, stealing is sometimes slangily referred to as a "five finger discount" for a reason. And then he wonders why some folks on the street without money of their own might steal (or beg, for that matter, especially when they might not be able to get away clean with stolen food and other goods).
Dave is good for folks in hair on fire debt, that's about it.
I watch people like Dave Ramsey and Kevin Samuels for the drama.
Dave is correct about a lot of things. People blow away money on useless stuff too much or makes poor choices in life. Dave went through a lot of errors in life so he's pretty cynically about spending money on useless stuff. For me my 600 dollar stimulus wasn't really much good for heavy duty stuff other than good for a few investments and buying some food. Dave is clear, cut and dry when he tries to give advice.
I'm calling it now... Ramsey is going to pull out a handgun and the damn thing goes off.
Ramsey is childishly immature, unaware. I don't know anyone who thought $600 would change their lives, like he said over and over. It was just a bit of money that would help them.
Dave Ramsey is basically financial advice for people with an IQ of less than 100. Which is a lot of people. But he gives some ABSOLUTELY TERRIBLE financial advice. He's great for cutting expenses, absolutely atrocious for business, debt issues, using debt to create income. You could get the same advice from most brochures at a bank.
Man, I've been quietly following your channel for awhile, and you are a beacon of hope! You being honest, and just transparent helps more people then you realize! Keep up the good work!
@20:37 so he thinks credit cards are the devil because they manipulate people.
Then proceeds to manipulate the lives of every single employee unfortunate enough to have crossed his path.
Listening to this story, the entire time, my jaw was floored.
Working for his company sounds like a bunch of dystopian novels all rolled up into one horrifying, real life, package deal.
Josh, this has been one of your best videos to date. Thank you for calling this fake idiot out.
John Delony looked so uncomfortable when Dave was talking about the stimulus. You can tell he doesn't want to be a part of that but can't help it because he needs his job.
Dr. John was so uncomfortable
John could easily start his own show which is what I predict he will do in the not too far future.
@@Iceman219 he has his own show and it's awesome!
@@vraja5 it's under the Ramsey umbrella, John will leave eventually.
@@kat-oe7gb yeah i knew that. I misunderstood and thought they meant a show in general
i love it when dave ramsey talks about multi-level marketing companies and says they're not all bad and that some people he knows have gotten rich with them -- oblivious to the fact that he met these people at some swanky place in mexico or whatever after he (dave) was already rich. those are the assholes exploiting their downlines, dave! the poor schlubbs thinking they can be rich from MLMs are never going to be rich.
Wait.................so you're saying only the people at the top of the pyramid have the money..........and everybody else goes bankrupt? :-P
That is not surprising, as Ramsey solutions has some similar concepts to an MLM company in that they sell products for big money that can be obtained just about anywhere for little or no cost.
I swear I stopped listening to him when he said MLM’s were not bad and a legit business opportunity when a called asked him about the chance of joining one. That made me realize what a clown Dave Ramsey is.
I bet he is pals with Betsy Devoss -Amway. Who have bullied and brainwashed using Christian teachings to make their billions on the backs of the desperate and gullible.
Man what happened to this man, he used to not act like this a decade ago. Wealth has turned him from a humble man to a arrogant person.
No wonder something felt off with this guy everytime I watched his videos thanks for showing us his true colors.
His shows have only been ‘highlights’ lately.
I watch him because Dr. Phil trainwrecks have dried up.
"i never needed 600 dollars even when i was broke"
ngl, i think the economy was alot more thriving like 20 30 years ago whenever he was broke compared to the global pandemic in 2020
thank you for calling him out josh.
We used the baby steps and it was life changing for us. But we don’t recommend him anymore. At first we were everything Dave, but as time went on he did so much to turn us off to the point we could no longer recommend even his books. He is flat out embarrassing. But his crap over Covid ticked me off because almost all people who are his financial peace course and book customers came to him broke or with financial problems. They are the exact ppl he talks crap about! His whole customer base is made up of people who didn’t have their self together when they started. So why didn’t he view the suffering ppl during Covid as simply people who hadn’t had to opportunity to learn his program yet or become financially savvy. He literally talks shit abt potential customers! Many people aren’t broke because they are lazy , it’s because they’ve never been taught how to handle finances. He could have used Covid as an opportunity to offer free outreach programs to help ppl get thru such a tough time. He would have gotten some great publicity. But instead he dogged people out and kicked them during the worst time. He is not a good human.
Chris Hogan was fired 3 weeks ago for his affair, Josh. Might want to edit that in
Then how come you can still book a time with him?
www.daveramsey.com/personalities/chris-hogan
ua-cam.com/video/-xKaQYSoNAc/v-deo.html
@@JoshuaFluke1 He's fired Josh, gone, check Hogan's instagram announcement.
@@gsabella4 So it took 3 years for that to happen? I bet they made a killing after his book tour was over. I highly doubt he is fired for being unfaithful and imagine he still has strong connections behind the scenes. As any smart businessman would do.
@@JoshuaFluke1 1000% agree, man. It's documented that Dave knew about this yet swept it under the rug because yes, Hogan was a major earner, i actually really liked the guy he had a great voice and message.
It took a major uproar and lots of lawsuits to dispatch Hogan but it just happened after a very long time.
I'm a Christian boomer and I would never talk about people this way. He's giving us a bad name. He should be using his money to help people.
We need to save our faith from being represented by this kind of abuser of it
Exactly please we have to speak up these Trump worshipping people are not Christians
@@SpongeGod-YawehPants you're a bundle of fun
@@SpongeGod-YawehPants you seem rather emotionally involved in this. Not good for your health. Touch grass.
@@SpongeGod-YawehPants wow here i am at the gym and some fella is accusing me of blood magic. Pull yourself together mate. Hugs
@@SpongeGod-YawehPants perhaps a psychiatrist can get through to you. Sorry for your condition
My company called it quits during COVID and that stimulus check paid my rent and kept a roof over my head. Yeah, it did change my life.
I stopped listening to this guy a little while ago after I started working in the financial services sector and learned about how much inconsistent and misguided information he says. On top of that, this guy's ideals and values are a little ridiculous. A friend of mine, who was an ex-Christian divorcee, spoke to him about paying off his debt and the first thing Dave said over the phone is that he's clearly not "disciplined" enough to pay off that debt if he couldn't save his marriage or stay a Christian...like wut 😐
I am a christian and I never had the feeling that you attacked christianity when critizising Dave Ramsey.
Some people just don't understand that criticism isn't always an attack and is sometimes actually meant to help you.
Christianity is bullshit
@@darianjohnston1658 It is definitely not, a lot of churches are I will say tho.
Dave Ramsey is just basically negging. Putting people down and then trying to sell something to them to solve what he just put them down for.
This is an even worse form of gaslighting because the subtext is that the people who do need this money don't deserve it, that poverty is a sin of choice not sometimes the result of external forces. If you're broke it's your fault so why do I need to pay taxes if those taxes go towards helping people who broke some sort of rule or did something wrong and don't deserve help.
Entitled rich white guy grievances.
The Horatio Alger bootstrap myth has persisted long enough. The system is rigged against the poor.
@@PhilLesh69 There was no reason to put white in there. There are black people that prey on others that also are black, whites that have screwed other whites, etc. Unity by gender or skin tone never truly existed. White people helped slaves and fought for their freedom. Individuals. Judge by the content of one's character - MLK, Jr
@@InvestLarge There was every reason to put white in there. January 6 was about white people who think that they are a tribe and that this country belongs to them. I don't think like they do, I despise those miscreant cons, and I can definitely call out white racists if I want to. If you want to call out other racists and feel like it's unfair to white people, well ... that's something you need to reflect upon. If you take issue with me having a concern about this, maybe you sympathize with them? Maybe your church is telling you that white people are being attacked? Or maybe you think I'm one of them??
Not really because lots of people are really really really bad with money and make absolutely terrible life choices, the waters are deep like an ocean.
As to the racism it's the easiest cop-out argument going. Half the successful people in athletics, movies, and everywhere else are black. Oprah, Michael Jordan, Jackson, etc. Race has nothing to do with success in the modern era.