A payment plan on a dog really blows my mind. You can get a dog for free or for $50 or less from your local shelter and it will bring you so much joy and love. A $2 dog will love you as much as a $2,000 dog.
Please watch the entire video because it's full of great advice. 10. $200,000 In Debt Making Minimum Wage 0:00 09. The Secret To NOT being BROKE! 8:50 08. In Debt, Husband Is In Prison, And I'm Pregnant 18:24 07. Broke People Shouldn't Go On Vacations 26:15 06. Why Extended Warranties Suck; Never Buy Them 31:25 05. Are American Dying With Debt 37:47 04. Are Solar Panels A Good Buy 45:19 03. Be Weird Or Be Broke! 48:16 02. How to Deal With Stupid People 56:10 01. America Is $1 Trillion in Car Debt 59:00
As an addictions specialist, I’ve seen substance abuse accompanied by shopping and gambling. Oftentimes the person is trying to feel better. Spending money provides a dopamine rush. At this point I believe therapy ought to be offered in the schools of the USA, but I am dreaming. Dave Ramsey is here to teach us!
I need to listen to it more also. The "your income doesn't matter" statement is hard for me to accept because Dave always says your strongest wealth-building tool is your income, and I feel like my "tool" is nowhere near as effective as it should be....
You may be a cuss word in some houses, but my wife agrees with a lot of what you say and is glad to see how my spending habits have changed. Thank you for doing what you do.
With the student loan thing, just want to speak out as a kid who graduated from HS in the late 90s. We were always told by our parents GO TO COLLEGE GET A DEGREE NO MATTER THE COST PAY STUDENT LOANS FOREVER. And now I want a time machine in the worst way to go back to my 18 year old self.
I drive 100,000 miles a year for work and I'm covered for 7 years unlimited miles bumper to bumper from the manufacturer, do you think that's a smart move? PS I saved $20,000 in repairs on my 4 year old 400k mile truck
finally coming out of chapter 7 bankruptcy where I lost my truck. I was stupid and broke enough I financed a 5 year old Ford edge. and boy did they see my desperation coming. No I am totally stuck in a 400+ payment. I am single working with a $34,000 income. this is my only albatross. what would be my best plan of attack?
I know this is a month ago..but, sell it, take the loss with a personal loan and a bit more for a $2-3k car. Yes, still debt, but less than what you have now which is a step in the right direction
I'm an Australian watching Dave's videos. Just wondering are the terms 'Hillbilly' and 'Redneck' offensive in America? Do they mean the same thing? Keep it up Dave
Matt Crouch I would disagree with that. often times when folks hear “millionaire” they think it means you make a million plus a year when all it means you have a million dollar plus net worth.
"Your income, race, age, and geographic location doesn't matter"when someone says your income and geographic location are not factors to a persons wealth that scares me. I get what he means but when MATH tells me through countless easy to access statistics along with many government studies that your position in life is a major factor in terms of determining where you'll end up and someone still says words like this. As if life is not filled with variables and factors that don't determine a persons place on the economic spectrum. I think three things. Either he is (and this is the most likely) forcing and encouraging his listeners to take personal responsibility for their actions and too ignore major outside factors that they know they can't really change like race, age, and gender. Which would be smart because too many people hold onto those things as crutches of why they're in a bad situation. Two, he is willfully ignorant of social plights that affect many members in our society (which I doubt). Or three he deals in absolutes, no in betweens or black and whites just absolutes. And if this is the case, I have to go back to the wise words of Obi Wan Kenobi that says "only a sith deals in absolutes." JK Love your program been a supporter for years keep up the great work! P.S. I already got two more book readings on my list because of you
He didn't say it would be easy just that it can be done.. I'm from the poorest county in VA.. move elsewhere in the country to make way more money.. if there a will there is a way.. I think you are straying from the overall point he was making (I hope it's not an attempt to make excuses that you don't have control to make it happen in order to trick yourself into thinking it's not your fault if your don't bother to try). Love the star wars quote tho! 👍
That’s not at all what he says. He says these “factors" are not what get you in trouble - it’s the math that gets you in trouble (he’s not talking about wealth). Whatever your situation - you shouldn't take on debt and financial situations you can’t handle. Off course some people will never understand and won’t take accountability.
I hitchiked to NY with five dollars in my pocket in 1975 when I was 22. I lived homeless while working at a burger king until I could get a hack license (always work at a restaurant - at least you get to eat. I retired 35 years later with $2 million, and a life time pension of over $100,000. I earned two degrees and got my family to pay for it. As far as race goes, we would love to have hired more non-white minorities, found a few, but not many available. Also I taught part time at City University of New York as an accountiny professor. CUNY gives open admittance to any city resident - all they have to do is earn passing grades once they get there. And the tuition fees are income based - essentially free with Pell grants - bottom line is anyone can go. So my accounting classes were 90% non white - only about 2% black, while the City is about 35% black - so where are all the blacks? Here is a good earning profession with lots of job opportunities and a high demand in the workforce for minorities. Like you say there are no absolutes - but I could have gone in many other directions and still have been successful. I saw it all in the NY, people of all races, came from anywhere with no money, ended up very successful. But the price you have to pay is hard work, defferred gratification, and continued personal development. I didn’t have a lot of dates, and I didn’t get married until I was 40, had my first child at fourty two. If you don’t stay in school, don’t have a good work ethic, have values, or get someone pregnant at a early age - you limit your options.
Emmanuel Bellerive Nearly 90% of millionaires in America today are first generation rich. Meaning they started with nothing and built wealth. Less than 10% of them inherited money. And of the ones that did, most were already a millionaire before they received the inheritance.
We just launched a NEW UA-cam Channel with Anthony ONeal!!!!! Check it out: ua-cam.com/channels/aW51g-nmLfq703TPZC7Gsg.html
A payment plan on a dog really blows my mind. You can get a dog for free or for $50 or less from your local shelter and it will bring you so much joy and love. A $2 dog will love you as much as a $2,000 dog.
I caught my cat under a dumpster. She’s a lover.
@@MrFurley69 people don't know this but ur neighborhood cats are free if u can convince them
Please watch the entire video because it's full of great advice.
10. $200,000 In Debt Making Minimum Wage 0:00
09. The Secret To NOT being BROKE! 8:50
08. In Debt, Husband Is In Prison, And I'm Pregnant 18:24
07. Broke People Shouldn't Go On Vacations 26:15
06. Why Extended Warranties Suck; Never Buy Them 31:25
05. Are American Dying With Debt 37:47
04. Are Solar Panels A Good Buy 45:19
03. Be Weird Or Be Broke! 48:16
02. How to Deal With Stupid People 56:10
01. America Is $1 Trillion in Car Debt 59:00
Christopher Johnson "There's faith and then there is just dreaming".... Truer words...
I love Dave Ramsey!!! I wish I would have known this when I was younger! But It's never to late, I watch him every day on my lunch
Your comment makes me feel I should act really fast as a young kid 🤣
LOL. I just stumbled on to him at 60. Just incredible. There's power in someone telling you the way things really are.
Dave I did your program 14 years ago from the radio show and I owe you my life. Thank You Dave!
"Live like no one else so later you can live like no one else!' 👏🏼👏🏼👏🏼
Love #9!!! so true! so many of us want what we want. So glad I found Dave in 2014. Almost debt free...
You go girl!
Get it Theresa!
#8 You're amazing, you keep going strong for those babies. You'll make it!
I love it when he does that voice "Im tired, lets go out to eat" lol
Doing better than I deserve
If she was smart she would have mentioned what the movie was so anyone listening could have watched it lol
Right
🤣🤣🤣
Unless it was one of those movies
@@PakmanR3 😮🤫
I WAS WAITING TO HEAR IT! omg 🤦🏼♀️
As an addictions specialist, I’ve seen substance abuse accompanied by shopping and gambling. Oftentimes the person is trying to feel better. Spending money provides a dopamine rush. At this point I believe therapy ought to be offered in the schools of the USA, but I am dreaming. Dave Ramsey is here to teach us!
number 9 the secret to not being broke I shared with a lot of friends, I saved it in my favorites and try to listen to it often 😊.
I need to listen to it more also. The "your income doesn't matter" statement is hard for me to accept because Dave always says your strongest wealth-building tool is your income, and I feel like my "tool" is nowhere near as effective as it should be....
Great idea!
You may be a cuss word in some houses, but my wife agrees with a lot of what you say and is glad to see how my spending habits have changed. Thank you for doing what you do.
"I probably would just go all Hillbilly on the morons" - love ya Dave!
we need more top 10 videos! :)
Call the waambulance. Lol
With the student loan thing, just want to speak out as a kid who graduated from HS in the late 90s.
We were always told by our parents GO TO COLLEGE GET A DEGREE NO MATTER THE COST PAY STUDENT LOANS FOREVER. And now I want a time machine in the worst way to go back to my 18 year old self.
I love Dave Ramsey!! Thank you for telling it like it is!!!
"They're better at marketing than you are at living your life"
-Dave Ramsey
Many folks not smart enough for college stuff !!!!!!!!! Like this woman.
Is it wierd that I heard every call before before they compiled it together. Lol
"Oh, call the wambulance"! Love it!
We need to get follow up shows on these people. Dave Ramsey needs to do a tv show. This message needs to get out there. No free meals
ROFL..."What's in your wallet?" Hahahaha
God Bless You Sarah. So sorry
I drive 100,000 miles a year for work and I'm covered for 7 years unlimited miles bumper to bumper from the manufacturer, do you think that's a smart move? PS I saved $20,000 in repairs on my 4 year old 400k mile truck
finally coming out of chapter 7 bankruptcy where I lost my truck. I was stupid and broke enough I financed a 5 year old Ford edge. and boy did they see my desperation coming. No I am totally stuck in a 400+ payment. I am single working with a $34,000 income. this is my only albatross. what would be my best plan of attack?
I know this is a month ago..but, sell it, take the loss with a personal loan and a bit more for a $2-3k car. Yes, still debt, but less than what you have now which is a step in the right direction
The first caller should get an internship with a production company.
dave i like you but don’t bash my walmart entertainment system lol
Me: hey Dave how are yo...
Dave: sell your car stupid and get off your assumption
I'm an Australian watching Dave's videos.
Just wondering are the terms 'Hillbilly' and 'Redneck' offensive in America?
Do they mean the same thing?
Keep it up Dave
Depends on how you look at it or say it sometimes it can be used negatively “lower class” “poor”
This is what happens when you let your "hobby" become your job. Great when you can afford it - but not when you can't.
Please help Dave.
Assets minus liabilities equals Owners Equity
Please it's easy
2-3 years to never! Hahahaha
Brad Nimbus love this show no more house payment no pay credit cards off
Dave Explain 23 TRILLION in US Debt please
#9 was so sad, you nailed everything but what is wrong with people. Please
#5 Literally no one in the world, MSNBC or elsewhere, thinks that Billionaire means you make a billion a year
Matt Crouch I would disagree with that. often times when folks hear “millionaire” they think it means you make a million plus a year when all it means you have a million dollar plus net worth.
30:44 ur single once there married they spend time with themselves an other married ppl
Okay how much debt is in mortgages?
Car does not depreciate like this, what is this guy smoking?
"Your income, race, age, and geographic location doesn't matter"when someone says your income and geographic location are not factors to a persons wealth that scares me. I get what he means but when MATH tells me through countless easy to access statistics along with many government studies that your position in life is a major factor in terms of determining where you'll end up and someone still says words like this. As if life is not filled with variables and factors that don't determine a persons place on the economic spectrum. I think three things. Either he is (and this is the most likely) forcing and encouraging his listeners to take personal responsibility for their actions and too ignore major outside factors that they know they can't really change like race, age, and gender. Which would be smart because too many people hold onto those things as crutches of why they're in a bad situation. Two, he is willfully ignorant of social plights that affect many members in our society (which I doubt). Or three he deals in absolutes, no in betweens or black and whites just absolutes. And if this is the case, I have to go back to the wise words of Obi Wan Kenobi that says "only a sith deals in absolutes." JK Love your program been a supporter for years keep up the great work!
P.S. I already got two more book readings on my list because of you
Ben Carson.
He didn't say it would be easy just that it can be done.. I'm from the poorest county in VA.. move elsewhere in the country to make way more money.. if there a will there is a way.. I think you are straying from the overall point he was making (I hope it's not an attempt to make excuses that you don't have control to make it happen in order to trick yourself into thinking it's not your fault if your don't bother to try). Love the star wars quote tho! 👍
That’s not at all what he says. He says these “factors" are not what get you in trouble - it’s the math that gets you in trouble (he’s not talking about wealth). Whatever your situation - you shouldn't take on debt and financial situations you can’t handle. Off course some people will never understand and won’t take accountability.
I hitchiked to NY with five dollars in my pocket in 1975 when I was 22. I lived homeless while working at a burger king until I could get a hack license (always work at a restaurant - at least you get to eat. I retired 35 years later with $2 million, and a life time pension of over $100,000. I earned two degrees and got my family to pay for it. As far as race goes, we would love to have hired more non-white minorities, found a few, but not many available. Also I taught part time at City University of New York as an accountiny professor. CUNY gives open admittance to any city resident - all they have to do is earn passing grades once they get there. And the tuition fees are income based - essentially free with Pell grants - bottom line is anyone can go. So my accounting classes were 90% non white - only about 2% black, while the City is about 35% black - so where are all the blacks? Here is a good earning profession with lots of job opportunities and a high demand in the workforce for minorities. Like you say there are no absolutes - but I could have gone in many other directions and still have been successful. I saw it all in the NY, people of all races, came from anywhere with no money, ended up very successful. But the price you have to pay is hard work, defferred gratification, and continued personal development. I didn’t have a lot of dates, and I didn’t get married until I was 40, had my first child at fourty two. If you don’t stay in school, don’t have a good work ethic, have values, or get someone pregnant at a early age - you limit your options.
Emmanuel Bellerive Nearly 90% of millionaires in America today are first generation rich. Meaning they started with nothing and built wealth. Less than 10% of them inherited money. And of the ones that did, most were already a millionaire before they received the inheritance.
We Are Not the RICHEST Country
Please don't lie Dave
Come on please
Daves # 5 Rant - Dave you do, do that (selacious headlines/manipulation). It's the religion that you use as a marketing tool
What Middle Class Dave?
Poor
I am weird too thank God.
Come on Dave you know we a nation going broke. Come on DEBT is REAL. Stop Dave.
I don't worship at the fica altar. Please be REAL about debt and no assets in this Time and Age.