Dave Ramsey | The Ben Shapiro Show Sunday Special Ep. 36
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- Опубліковано 2 лют 2019
- Dave Ramsey, finance guru and best selling author of "The Total Money Makeover," joins Ben to discuss his strategies on succeeding at life and business, the pros and cons of college, and the importance of personal responsibility.
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Dave Ramsey is the reason my wife and I got out of our $57k of debt in 10months. Now we're 25 & 26 with a $15k emergency fund, a $57k home down payment, $20k in retirement, and $14k in our HSA's, and two paid for cars (2011 Subaru Outback, and a 2007 Honda Accord). We've also been able to give more than we've ever thought we could. (We make $110k/ year). We started 27 months ago. Our life has changed. Thank you for everything you do Dave Ramsey!
*Edit 8/24/2021*
It's been 45month since we've started the "Dave Ramsey Plan". Since we started, we've paid off $57k in debt, saved $15k for a fully funded emergency fund, saved $252K for a home down payment, have $55k in retirement, and $27k in our HSAs. We're 27 & 26. We still drive the same old cars.
Good for you, that's great. Idk how so many live in debt, makes me anxious just thinking about it
Congratulations! You all are on your road to be a millionaire. I am 52 and started much later in life. Make God and your wife the absolute priority and all will fall in place.
Reading your comment and I actually thought I was reading about myself, lol. My wife & I are 25 & 26 with 15K in savings, 25K in retirement, 20K in HSA, and 24K in debt (student loans). We drive a 2012 Kia Sedona & 2012 Ford Focus w/ no car payments. Big difference is our gross income is 65K. All the best on your journey!
@@MT-gk4yq my man...good work. Changing our family tree's. Cheers.
This is great. I am so proud and happy to hear this!!!!
Dave Ramsey is the reason why I don't use credit cards anymore. Less than $2600 in debt left to go!
Brianna Ott why didn’t you pay them off in full every month so you can make money from them?
Good luck :)
@@DavidMossMGS why pay $110 for something that costs $100?
Joseph Ferguson explain that? Lol
Joseph Ferguson credit cards make you money if you pay your bill and doesn’t cost anymore to use
"If you just read Proverbs over and over, you have a Master's degree in finance."
Love it!
Really terrible that people still value the piece of paper that says you know the same information over the small book of wisdom.
@@ismaeldiaz3921 They are scared of mom if they do otherwise. They are sent to spiritual camps.
Is this a Matthew Principle pun?
@@zakuma22 employers are taking skills more and more into account nowadays, although a degree is still pretty important
Unfortunately, a good quote, but not true
I started listening to Dave when I was 2 years old, now at 10 I am out of debt! Thank you Dave!
I was listening in the womb! Came out with $30k!!
@@blainetanner5531 hahaha 😆
What?
You pay your power wheels off in full? Did you not even have to take out a loan for the new nerf gun?? That sounds like success to me!
That's funny!!!!
I love Dave Ramsey, he changed my life. I was one of those the little man can't get ahead guys, living on poverty wages wanting everyone to feel bad for me. Then I heard Dave and he transformed my way of thinking. I went from making $18k a year to making six figures in a short 2 years. I went from living in the bronx NY to the suburbs of NY. I am forever grateful to Dave. Oh and I am a brown skinned Puerto Rican who grew up on welfare.
A Font praise God !
Great story, I hope you enjoy your success! God Bless and many more years to come
What do you do and how did you get from 18k to 6 figures? I'm currently in trade school for hvac to improve my situation but even when I'm done 6 figures ain't gonna happen even in 10 yrs unless it involves bonuses from sales, or starting my own business which is scary and i don't think I'm cut out for due to the bureaucracy and red tape and legal crap involved. If it was simpler i could do it.
@@Artcore103 I went to school for HVAC too but it's not the field I'm in. I got into the elevator union, studied elevators and that's where I got my 6 figure salary.
@@BoriPR82 cool. Yeah I'm not in New York so there's very few elevators where i live, or where i used to live, or anywhere I'd want to live lol. But that's awesome. There's 2 unions for hvac ppl, neither of which is necessarily needed to make top dollar for the field but they can certainly help, and I'm considering them. I'd say 50-75k is more the norm for 5-10 yrs in hvac in most places but I've certainly heard of 6 figures it's just not that common and i don't wanta bunch of overtime. I care a lot more about maximizing my hourly rate than maximizing my total income. The unions are great when it comes to benefits i think though. Upon graduating here one would be lucky to make more than 14-16 an hour unfortunately, but it should go up pretty quickly from there, it's one of the most needed professions so once you have some experience of they won't pay you well you can easily switch companies. I'm looking at commercial refrigeration but not sure.
A Jew and Evangelical Christian sitting down together and talking common sense and good values. Refreshing.
@Fuzzy Pink Bunny get a job loser.
Why does their religion matter? Anyone can have a good conversation if they’re willing to listen
As an Atheist i don't care about religion. But about what is correct and wrong. Christians and Jews can also be right and wrong. I don't look to religion... i look at arguments.
@@josmalig-on2907 Jews and Christians have histrionically been antagonistic towards each other, so it's nice to see a Jew and a Christian talk like normal people.
All equals before god.
This video changed my life. I went from here, to his podcast, to his book. A year later I'm debt free. With money in the bank
this is amazing!!!
Way to go!
Dude you comment has 69 likes congratulations dude
so cool!
Grats
"People are leaving California like the place is on fire." That's not even a metaphor.
Technically it would be a simile and not a metaphor. :) But yes, he is not even speaking metaphorically.
It's a living hell created by satan himself...LIBERALS !!!
Glorious revolutionary humanist socialist people's CA
Truer words have never been said, especially since California is burning now.
Supposedly
Two people I listen to nearly everyday. This was a great episode Ben!
Drop the Bassline agreed 👍
Two men of GOD
@@thematrix2.0617 Dave is a smart guy... Shapiro is a POS though!!!!
You must one of those scary far-right extremists the media keeps warning me about.
@@definitelynotobama6851 I'm a liberal and I hate Shapiro. Dave has moments of wisdom 😀😀😀😀
My mom made me listen to Dave in the car during 2008. I'm 19 now and I have 3 steps done
noah wiggs why were you already in debt at 19
If you watched him when you were 9?
He obviously must be a dumbass
noah wiggs wow 9 years old. Your mom is intense.
@@DavidMossMGS I was never in debt you must obviously be a dumbass
noah wiggs why would you follow his steps if you weren’t in debt? Lol
Dave Ramsey won’t get you rich
Just won’t make you in debt
Ride the Wave I do know them lol
Dave is the reason I was completely out of debt at age 49. Now 7 million net worth. Thanks Dave.
robinguy32972 7 million isn’t a lot of money anymore mate., especially at that age.
metroid king 7 million is still a shit ton
@@phazon100 Are you insane?
@@phazon100 7 million is still more money than the value you've provided through that useless comment
@@phazon100 let's say he has 1 million tied up in physical objects. In nearly all of North America that's an extremely nice and well furnished house, multiple nice cars, an RV or boat, nice computers or tools or whatever you're in to. That means 6 million is going to be leveraged to gain more wealth. That's several rental properties and still millions in the stock market. Hopefully that's either more enlightening or more humiliating to you than "are you insane?".
I paid off all my credit cards( 8,500 ) and loans (5,000) last week. It took sacrifice but mission accomplished. Thanks to Dave's videos.
Dave Ramsey is America’s Dad 🙌🏻 I love seeing these two together 😁
Dave Ramsey is for the fucking dumb and poor
He’s nothing but a con salesmen
Yup! Not afraid to tell you when you’re being dumb! Lol
s lee that’s weird you relate to him as family
My whole family calls him Uncle Dave too!
My friends and I would jokingly call him "Papa Ramsey" in my Personal Finance class haha.
"My wife's a doctor...as people know."
We did it. Ben has embraced the meme.
thirtytwobars 69 likes fits your comment well
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Ben didn't even get 7 minutes in before mentioning that his wife is a doctor
Just came to mention that hahahah
yeah, really. real cheezy smh
He said it in context. He has a good point....that some student debt is worth it, for example becoming a Dr. 🤷🏻♀️ Fair point.
I bet he's proud if her, but also brought it up in context.
God forbid a husband is proud of his wife.
Nothing wrong with been proud of your wife.
The duo that no one asked for but everyone needed
Ben Shapiro and Dave Ramsey in the same freaking room!! The universe didn’t explode but my head did.
Dave is better than he deserves!
Lol
Good one!
Savage
Love it. lol
I have a bit of a joke with Dave Ramsay: He's a total genius because he's made millions of dollars telling people things their grandparents used to tell them for free.
Dave Ramsey literally gets paid just for telling people to sell their cars 😂😂😂
that's when grandparents were respected.
@@Yugiboii or homes lol
I know right? Anyways, what’s the joke?
never met my grandparents. they worked hard and died early from hard work. and Dave Ramsey sure is not my grandfather.
Paid off my mortgage last year at 36, and it still feels great.
Congrats. That’s so awesome. Can’t wait til I can say the same.
37 , still in apartment . :(
@@groove269 I am in my early 30's, but planning to buy my own place next year.It's okay to be a renter until you're in a place to save and own. Hope that you are able to own when you're ready.
I wish I had a house lol but since driving truck it's no use right now, the best thing is I only need to pay for my food and my phone bill
You paid it off just in time right before covid hit too. Timing couldn't have been better lol.
Ben Shapiro + Dave Ramsey. This needs to be a more regular thing. This is unadulterated awesome.
So I actually just started financial peace University at church and after watching his lectures I was thinking how similar y'all's values are. Great interview guys.
Good luck on your journey sir! Ny wife and i completed our class recently and are now debt free and stress free! Be weird! And beans and rice, rice and beans!
that's gr8
Jordan Burnett my parents did it and got out of credit card debt very quickly. Keep yourself accountable and finish this strong, man!
Jordan Burnett fuck Dave Ramsey
He uses the church to exploit you
Amen brother!
Mr. Ramsey, you saved my life, my marriage, my kids.
I come from humble beginnings. My parents loved me deeply and I in return but they are financially illiterate and so was I. Through your teachings and scoldings, I have learned to discipline myself and take control of my life. Although I am not wealthy, I do have a roof over my head, modest car, and plenty of food to feed my wife and kids with more to spare.
If you ever find yourself in western NC and you would like a nice couch to sleep on, cold beer to drink, warm food to eat, and a safe place to relax....My home is open to you and anyone you bring. No questions asked and payment would be an insult.
Thank you for everything you do and have done and will do. May God bless you and yours.
The culture has degraded so much that listening to them talk common sense feels like hearing great revelations!
This is concerningly true
Yes, so good that we have actual leadership now in the White House, the country can start repairing itself!
Very true
Cuz thats the mainstream media they are own by billionaire who want to control population
Common sense has never been common 😝
5:45 "If we were doing math, we wouldn't have credit card debt in the first place; it's not a math problem."
I love this! It's so true; people get into debt because they *feel* they have no other options. So Dave Ramsey helps them *feel* like there is hope. And it motivates them to actually take the actions necessary to make better choices.
Sane Sister No, ppl go into debt because they think they deserve to get what they want now.
HereIsWisdom 1318 , I guess that is one of the main reasons, too.
@@HereIsWisdom1318 That's a little over broad. How do you think most people buy a house? And how do you afford college right out of HS?
Now, if you're speaking of credit card debt, I'd agree with you. That and $40k a year tuition for a garbage degree
Ben Paull Well, even college. Do 18/19 year old DESERVE $100,000 to go to college, AND not work? And if so, WHY?
The most I borrowed was $20,000 to go to a technical school, MCSE.....
@@HereIsWisdom1318 I went into the military. Best decision I ever made.
Two of my favorite people!!! Ramsey & Shapiro for President & Vice President!! 🇺🇸🇺🇸
There's a new book called Barack Obama Is Afraid of Sharyl Attkisson: The definitive guide to the shenanigans of America's 44th president..
Man I’m salivating thinking of Dave in charge of the federal budget. I will say the liberals who personally follow his work would suddenly hate him. That’s would be fascinating
Ryan Hunsader , YES!!!
That would be awesome except they have both stated they do NOT want to be president. Lol.
In 2024!
Bens a good interviewer. Let’s it flow. Let’s the guest talk freely.
He's no CNN but he's no Joe Rogan either. He has a list of questions he wants to get though and he always wants to throw in his own opinion.
Caleb M which is why it feels like an authentic conversation
@@Deeznutsmynamejeff21 its really a traditional interview format its just not horribly biased like CNN. I still prefer the Joe Rogan long-form podcast style.
My dad and I were talking about wealth inequality this weekend, he said "If you perfectly redistributed all of the wealth and assets in the world evenly, within 1 year the people who were at the top would be back in the same position and so would the poorest people." Financial success isn't something you have just because you have money, it is a mindset, a work ethic, a reputation, it is discipline, it is intelligence, it is many traits that add up to success. If you choose to be one of the crabs in the bucket; that is on you.
I think there are exceptions, lucky bums who inherit or stumble in wealth and hard working people who just cannot catch a break, but i can't help noticing that enough hard working, disciplined people have become successful that it can't be a coincidence.
@@deanobeany What lucky bums though? Because most inheritors squander their wealth & those that earn fast without the discipline to sustain it don't keep their wealth. Look at lottery winners, most lose it all. Professional athletes are another great example. MLB players declare bankruptcy 4x more than the national average
Christopher Suchy well I knew a girl who inherited like a million dollars or something and she just lived off of it. Only big purchases she made was she bought a new camry or something and a lower middle class house lol. That’s a rarity not worth mentioning and she was young so would’ve went broke eventually.
Deanobeany and to you... I know a lot of corporate assholes who make 150k ish and they are just assholes. They don’t work hard but they’re good at bullshitting people... like a salesman basically, they’re a people person. All the real work gets done by the hard workers who make middle to lower class wages. With that said, I know a few, and assume many of these high salary people squander their earnings while the people who make about third to a half of corporate has more in savings... because they’re hard workers.
You are so blessed to have a dad like this, he is awesome!
Listening to these two men makes me feel like the world hasn’t gone completely insane. There’s still some reason out there.
How has that aged?
@@UniversityDemonstrationChannel lol, both man are indeed intelligent. personal responsibility - means everything. folks needs to listen to these guys everyday!!
Two great minds, one Jewish, one Christian and both exhibiting wisdom that has propelled them to success. You guys have a lot in common and I appreciate your interview that displays this.
It's called The Book of Proverbs.
@@ebriggs3498 It's called ignoring the hateful, maladaptive, stupid parts of religion.
Religion to this too?! Are those broke people calling to the program belongs to another religion?
The interview that convinced Ben to move to Tennessee.
He should stay there. I hope he doesn't come to California. Actually he can't, because his followers would all hate him
@@kbanghart he lived in California before Tennessee? Why would he go back to cali?
@@kbanghart he lived in cali his whole life excpet law school soooo i don't really understand your point
How is Tennessee? Pros? Cons?
Ben moved the company from California to Tennessee, but moved his family to Florida. Probably to stay away from Michael Knowles.
I listensd to Dave Ramsey yesterday, and now today I'm a millionaire. Thank you Dave Ramsey for everything!
We were 32k in debt two years ago. Now we have great cars that we OWN and we are going to pay off the house in 15 years or less. I am 30. Dave Ramsey and his steps got me out of debt.
Justin Tuttle Paying extra on your house payment on principal gets it paid off faster
@@janethockey9070 no shit
Every minute in Africa 60 seconds go by
big Chungus man what 😂
@M Lee you probably called him and he said you were dumb and made stupid financial decisions and now you don't want to hear from him
Not gonna lie. I smiled through most of this. Dave is more than we deserve. 😊
I've been listening to Dave for decades, and am financially secure and independent because of his council - IT WORKS!
It's not a math problem.
It's a me problem.
Awesome.
Wow, something very surreal about seeing these two guys hanging out...
When is Dave Ramsey going to do a PragerU video?! His daughter and his friend, Chris Hogan, already did ones, but when will he?!
@@skitboyz7418 I know, he'd be great!
This made me cry, this video just made me realize so much. Everything they talked about is going on in my life right now, and they've just laid out the solutions.
And it's free.
Sincerely life changing.
My problem was all the coral I was buying! Lol best of luck!
@@brandonchi3209 Bahaha, understandable, it gets addictive. you too brother
How did life changing go?
Dave is a hero. He’s literally helped people free their minds and souls from bondage. The debt monkey I used to carry was anxiety inducing. Life is so good now. So glad I found him in 2015. I’ve paid off 30k in credit card debt, a car, have my 6 month emergency fund and now chipping away at the house. Thank you, Dave!!!!
I love Dave Ramsey I’m watching him at 12 and I’m proud of it
@@BirdTurdMemes you kids going far
start doing drugs. they are awesome. helps you make friends and get girls
Jack McComb okay will do
Mature intelligence will make your teenage years great!!! Go out and have some fun too.
13 and doing the same!
One thing that I thought about is how unfortunate it is that Fed workers missed just one paycheck and they were in a financial crisis. More people need to learn to live below their means, always have 3-6 months of savings in case something out of your control comes up and have more than one income coming in, especially if your main source of income is controlled by a boss. Dave is an American treasure and more people need to listed to him!
I heard that too. Rush Limbaugh and Mark Levin both calculated how long the federal employees have been working without pay, and if you exclude holidays and weekends, it's 2 paychecks, max. The left-wing media is telling us horror stories about these poor folks having to sell their kids' toys or pawn grandma's wedding ring to get by. I wonder, what are they doing if 2 delayed paychecks puts them that far in the hole? I manage a gas station overnights and my husband is a kitchen supervisor at a family restaurant. We have a 14 month-old. We don't live paycheck to paycheck. I feel bad for these people, but I also wonder, are they living way beyond their means? They had ZERO saved up? Do they drive a Mercedes instead of a Toyota, go out to eat 3 times a week, go to Starbucks every morning instead of buying a coffee maker and making their own drinks?
Eduardo Alvarez You only heard the hyped propaganda from the media. Not to say some people didn’t have money, but the vast majority were in no long term financial harm and received back pay when the shutdown was over.
Exactly. That was the first thing I was thinking about when most Fed workers said they couldn’t afford to miss a single paycheck.
There were plenty of resources to help the federal workers that did not receive paychecks and they have been paid the days that most didn't even work. Only essential employees were required to still work during shutdown. All federal employees can be affected by government shutdowns and it is always discussed and known that you should have 3 months of saving to live on. They were used by the democrats as pawns, because otherwise, they had no other standing.
I was thinking the same thing. If you're one paycheck from ruin, you're living your life wrong.
Dave Ramsey is the man. Used his little baby steps and paid off all my student loans quickly. Good interview so far.
Good for you dude! Keep it up , get that house and pay it off !
I love Dave. His practical mind blows me away. Tells us the truth whether we like it or not. And it's good for us and I love it
“You’re going to pick your tough.” So true! I say this about divorce. Being in a bad marriage is tough. Being a single parent is tough. Pick your tough.
Thanks to Dave I was able to become debt free at 26. Now my husband and I are able to save for retirement and live comfortably. I wish I could’ve found him before I started university. Things would’ve been alot more different
This is so much better than the Super Bowl!
True story! hahaha
the super bowl was pretty boring. terrible first half
100%
Do you mean any Super Bowl or just this most recent one? Because Super Bowl Sunday is one of my most favorite nights a year!
Super Bowl was very boring, but previous ones have been excellent. That’s the way it is I guess.
Ben is actually really good interviewer. I am pleasantly surprised. Broad range of topics and hitting the spots for the guest to elaborate wisdom and thoughts.
The ben shapiro experience coming 2023?
Thanks to Uncle Dave Ramsey we have a bright financial future now after being in debt up to our eyeballs. We went from $70K in debt to a $15,000 emergency fund, a 401K and didn’t need PPP for our business during this pandemic. Neither of us have a college degree. No debt equals freedom. It’s awesome to not be normal!
Cesar love to here this ! Congrats man
love this!!!
I use his debt snowball strategy...what I’ve learned is basically, the guy is a genius.
lol. it's common sense.
DogeLife no common sense is too pay it off highest interest first
Great interview. "Storm the gates of hell with a water pistol" -Dave Ramsey-. Great quote.
I laughed so hard that I had to pause the video when he said that because I've never heard that expression before!
it's not his quote
i don't get what he means by that. is he saying the cheapest solution is the most effective?
Sneaky Ninja no. Hell is on fire. Water pistols don’t do anything to a full-on blaze. He’s saying they’ll do anything they are asked to do, and do it with energy.
As a lifelong liberal I think every liberal should watch this
What's this got to do with being liberal? Just that you shouldn't instantly dismiss them because they aren't liberals?
@@andypagakis thats exactly right
@@samuelberry4300 good for you, glad you can see past politics. The instant hate people have for people over politics is so odd today
That's good cuz this isn't about politics this is about self-accountability and financial success
everyone should listen and try to understand the other side
Dave is the reason I finished college with no debt and 10k in the bank.
The 2 people i listen to everyday , Dave and his class and principles are the reason why we paid off $122,000 in debt and Ben just makes me laugh , y’all are amazing
Michael Nudelman you shouldn’t have been in debt in the first place
Wow thanks a lot ass for that amazing advice . You are what Dave calls a troll
Michael Nudelman no I’m a genius
Michael Nudelman be responsible
And don’t listen to a con artist like Dave
David not a genius
Dave Ramsey's UA-cam channel's helped me a ton.
yay 4 Dave Ramsey
AzureSymbiote that’s sad you were debt in the first place
Dave Ramsey doesn’t make people rich
@@DavidMossMGS I have never been in debt.
AzureSymbiote why would you watch his dumbass then?
David you’ve obviously never watched listened to him. Dave Ramsey isn’t just about getting out of debt. Quit being so toxic.
This was one of the most game changing interviews I’ve ever watched. Parenting skills, economic libertarian, social conservatism, etc. loved it. Again, we don’t always see eye to eye but I appreciate smart people when they talk smarts
agree
One thing I love about these two: they are of different belief systems (religion) and that wasn't a factor in their interaction because they want to fix problems, not solve them. Much respect.
It's like watching my dad and my teacher meet for the first time.
life is worth fighting for 😂🤣
This comment is pure gold. 👍👏
Nothing good for me ever came from that, at least not until I grew up.😉
So true!
I feel you!!! Lol I call him “papa Dave” 😂 and love my professor Shapiro.
"My wife apparently listens to you and I didn't know about it, which says something about both our marriage and the success of your show." 😭
Eh, some of that is just professional fluff and courteous niceties ...
well his wife probably does know about all the XXX stuff he watches either.
@@magamike1800 He wrote a book about it, so she probably does.
@@quantumfootball which book did he write? Is that in the past now, I hope?
@@truthisinthebible I was just saying that when he wrote the book "Porn Generation", he had to do some research. I don't think that Ben is the kind of person who would otherwise view porn.
"You are who you are all the time - that's integrity." Gold. I would add, "You are who you are, regardless of to whom you are talking."
I’ve been listening to Ben for about 4 years maybe more. I just started listening to Dave and I’m glad this came across my recommended today.
I made myself a promise when I was in the ninth grade: I wouldn't have any student loan debt. I didnt care how, but I would avoid student debt like the plague. I would join the military or go to community college or get scholarships but WHATEVER happened, I would NOT have student debt.
What did you end up doing?
Congrats on not having any student loan debt!!!
How did you make out?
@@multimeter2859 i assume reality hit him a bit, almost no scholarships cober the cost of tuition, and a JC only keeps you out kf debt for a cupple of years, military is still a good option
@@dogguy8603 probably. I went to college and graduated debt free. Still joined the military after lol. Got a gi bill to do it again.
Dave Ramsey and Ben Shapiro together in one room? YESSSSSSS!!!!!!!!
Two very responsible poeple having a great conversation. That is what we are missing these days. Thank you Ben and Dave
6 min in and Ben says, "My wife is a doctor"
Balance restored.
Lol! He never fails to mention that!!
He's pure inspiration. No guru bs, just straight up the truth.
Rice n Beans, Beans n Rice
NO PROBLEM..YOU DO WHAT IT TAKES TO SURVIVE😋😧😡🙋♂️
No meat
Collect that lint
Cheeky MGTOW it’s not meant to be literal.
Sell everything and make the kids think they are next.
Two of the greatest guys of our time in one room. You two have each been a unique blessing to our country. PLEASE do this again.
Integrity, honesty (with yourself and others), and WISDOM. Oh boy! Two guys working hard and living the dream!
Next thing you know, Shapiro has the president in his Sunday Special
Shapiro should be president
So he would be interviewing himself in 2024?
@@DarkSlushie That sounds like a SHAMIEN video. "Ben Shapiro Interviews Shen Bapiro" :-)
@@DarkSlushie He'll do an interview in front of a mirror
Yes!!!
I love seeing Dave in a sit down interview engaged in great conversation - where someone is asking him to explain his teachings. Sometimes on his show it’s a lot of one-liners and conversations with an unbalanced dynamic - him speaking to his fan/followers/people in horrible financial situations. He is always in a teacher role. Here he is with an equal and it makes for awesome conversation!! Love that him/Ben are crossing lines and reaching more people!! Great job you two! Thank you from a fan of both of yours.
This man has made the lives of so many people so much better!
My two favorite people having a smart conversation.... What else can be better than this? 😅
Every time we've followed the advice of Ramsey, we've succeeded. Every time we've strayed...we've gotten in trouble. His advice is very sound.
My two favorite things about this episode were the idea of King Dave Ramsey getting rid of all the nonessential government bureaucrats and the idea of an America that is so charitable that we no longer have a need for government.
That's pretty ideological and unrealistic. Please give me an example of one thriving civilization that didn't have a central resource pool for the country's most vulnerable? I'll wait.
Jeffrey Black, of course it's ideological. And neither I nor Mr. Ramsey is saying it would actually work. It's just a utopian dream based on people being more noble than they actually are. But at least the idea is based on a moral premise, unlike the idea of forcing people to be "charitable" through mandated governmental programs.
@@tonyaprim3047 LOL! OK. Thanks for proving my point.
@@jeffreyblack6611 Just because something hasn't been tried doesn't make it an illegitimate goal. To the contrary though, I can point out numerous disasters where an over sized government has led to complete destruction of the economy and the deaths of millions of people. It's freedom and individual opportunity that leads to growth, not centralized planning.
@@cphine So no examples, then? I figured... Thanks for proving my point. Again. Your tax experiment was recently attempted in Kansas. Guess what, it failed miserably. And they're still trying to recover. Concentration of power is the problem - not government. And in America, we openly allow elected officials to be bought and paid for by narrow corporate interests through lobbying (called bribery in every other country). If you believe that businesses should be allowed to operate in any way they choose despite having negative consequences to the public good, then you're nothing more than a useful idiot. Funny you mention examples of fascistic governments ruining economies, bc I can point to numerous examples of thriving, healthy societies who efficiently use government resources to provide essential utilitarian services to their people and where crime, mental illness and disease are much lower than the US and the people are vastly more educated. They exist today. I've also traveled a lot. I've lived in Kenya, Angola, Singapore, South Korea, France, and Brazil, as well as visited at least 15 other countries. The countries I would definitely not want to live in are the ones that don't heavily invest in education/healthcare. There is high poverty and crime. You conservatives/libertarians who think taxation is theft are really fucking dumb.
I was on a live phone interview with Dave on his show last year that was nothing short of a train wreck. I held it against him for a while because I felt like he was too hard on me, along with other people who are unaware of how finances work. The answer he gave me wasn’t the answer I wanted at the time, but now that I’ve grown up and I’m working my butt off to get my crap together, I have a hundred times more respect for him. I’m two months shy from the Real Estate licensing exam and I’m also double-majoring in Business and Clinical Psychology. Thank Jesus for Financial aid lol. There’s always a solution in life. Don’t be a victim and always have faith in the road ahead no matter the challenges or circumstances.
This is awesome, hope everything continues to get better for you! Good luck in Real Estate Sales!
Too bad financial aid does nothing for people who go for their masters. The only option is student loans at the masters level.
Dillon Richardson Congratulations!
Thats the attitude!
@@Tundra0128 Not so. Look into FAFSA.
Two of my favorite people to listen to ever! Both of these guys love to preach about personal responsibility. We need more of that, and people really need to hear that.
Me and wife are 30 and 31 we are debt free 100% and loving life we are not living extravagant but comfortably
I’m a liberal guy and I love Dave and like Ben. You’ve got to listen to different views to challenge your own.
Me and my wife are 34 years old and 100% debt free due to inheritance. Thanks Dave!
I payed the last payment on my debt yesterday. It’s not sunk in yet, but the futures looking pretty amazing. Thanks so much Dave.
Congratulations!
Keep working hard to get ahead. It is well worth it.
This is something that needs to be emphasized to parents of young children. Start teaching them good financial practices as soon as you can! Even when they're 2 years old. It will help them for the rest of their lives!
Great interview! I'm a teacher providing most of my family's income, and things have felt bleak the past year. The comments and advice are starting to fill me with hope again.
Follow his steps. In 2015, after being stupid with my money for 8 years i had 50k in the whole with debt. Currently I only have just under 10k left. You have to get on a budget, you and your wife and stay on that budget. Download his every dollar app and start working it! My wife and I will be debt free completely in 2021.
I started listening to the Ben Shapiro Show and the Dave Ramsey Show just around the same time, so this is a crossover event I didn’t know I wanted!
Loved this. So wonderful. As a 24 year old looking to improve and become a functioning, productive adult, this gave me prospective on how to achieve my financial and career goals and still be a compassionate human being. Beautiful. It's all one package.
Erin Purcell rich dad is better.
Most wisdom in any 1 hour video on youtube.
There is a large amount of wisdom in this video. Amazing
This was not only informative on a moral and financial level but it really touched my heart especially when Dave Ramsey talked about how being a giver positively affects you. And being selfish makes u pretty much miserable
Thank you gentlemen. Much truth spoken in these 60 minutes. Thank you for giving voice to these true principles.
Woke up to find this video this morning and couldnt click fast enough. Two people I agree with 100%. Dave, your insight and classes have brought my wife and I toi pay off 45,000 in 8 months. I feel so free! Buy buy credit cards and hello cash.
I have watched all of the Sunday Specials, and this is my favorite. I did not expect this at all.
I use the snowball strategy on homework assignments. When you feel overwhelmed, just finishing an easier assignment no matter how small, really makes you feel accomplished. Then you have less assignments to worry about. :)
That's.....actually an amazing idea
Dave Ramsey is truly one of the most valuable people I’ve ever listened to.
I’m so glad I watched this. Dave Ramsey is so practical and insightful.
Two of the most intelligent men in the world right now doing an interview. Oh heck yes.
Always wonderful hearing Dave speak. His advice is golden and its all free.
I love dave ramsey. He single handedly changed my family tree. Thank u dave. The little man CAN move ahead
Wow I’ve never expected this, Dave is such a great guest that is underrated with in a sea of nut case gurus.
javy sto Underrated to the tune of $200 million a year😉
Dave's advice helped me to buy a house in cash.
Mad Max And Madi buying a house in cash is stupid
You need to leverage your money
@@bigrod1674 LOL. Class.
Wow I was just about to thumbs up your comment then I seen your second comment. Just so uncalled for and unnecessary. That said congrats on paying cash for your home! Can’t wait to get ours paid off.
Great job man 👍👍👍
Same here, bought my first house cash💪
Dave Ramsey has changed my life, marriage and finances. Last week I completed the baby steps, love the method!
This episode introduced me to Dave Ramsey. Now I'm debt free!!!!