Charlie and Stacy!! You guys are amazing and speak to my familys heart. It IS so much easier today, contrary to what culture teaches young people. It is all about living beneath your means. I am also a PE teacher and have worked a few side gigs. We bought a modest home and now on our way to becoming millionaires by 50. No excuses, work hard and stick to the principles!! Thank you for your testimony, enjoy life!
All the millionaires today, so down to Earth and no extravagant, lavish lifestyles which ruin most young, middle class people financially!! Great examples for us all
Perhaps Rachel that is making $42,000 a year teaching children for discipleship can write books for children that would be refreshing especially in a biblical manner. That could increases her income so happy for what she’s doing May by Yahweh bless her.❤
As someone who lives semi-near Spokane and has looked at moving to the area, yeah, the options are limited, but there are houses in the 300K - 350K range.
Thanks for the forecast! A bit off-topic, but I wanted to ask: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). Could you explain how to move them to Binance?
Possibly , but being in KC area could mean either. I assume you're from there, so you should know that. The call screener typically asks what major city is closest to them. The greater KC area includes several "towns" in Kansas including Overland Park, Olathe, Mission, Shawnee....
Stacy from Idaho who has taken her child out of school because they’re “pushing the gay thing” meanwhile being married to a man old enough to be her father…interesting.
Something tells me Stacy the Bigot latched on to her elderly husband to get her bills paid while she stays home with "health problems" on the internet all day on QAnon chats. She deserves to lose her house and I hope a gay couple buys it for a steal.
People who don't want to give up sin LOVE to misquote Jesus. The Bible also says to judge rightly. And Jesus warns us that if we cause a little one to sin it would be better for us to be thrown into the sea. We should definitely stop perverting his children.
@@caliopeknows844you act like they are forcing kids to have gay intercourse on school grounds. 🤣 It’s not the 17th century my dude, it’s VERY safe nowadays. Safer than at any point in human history. Your kids are not going to turn gay bc they saw two girls/boys kiss in the cafeteria. 🙄
@@isidorolopez265 Dave does not see gold as a good investment since its value appreciate at slower level than other investments like bonds Dave also doesn’t invest in Bitcoins since it is too volatile and doesn’t have a history or long track record.
Just because Bitcoin is up does not mean it will stay there. It is highly volatile. It is good if you have enough money to take a high risk, but is not ideal for most people to invest in.
Going to a million. The only question is within 1 or 10 years? The entire purpose of it is to BE a stable currency that exist as long as the modern world does. People globally have used it to ascend from poverty to neverbeforeseen familial wealth, probably being rewarded by the almighty for going against traditional blood money systems, but that's just a guess.
Indeed. He will pop in for few days before the long Christmas break when they do the big "Giving" episode, but that's about it until mid-January. Dave can be seen more often over on the EntreLeadership channel.
The economy is dead The people I love most deeply in this world are the boomers who raised me. That’s why I feel compelled to speak truth to them. This isn’t about blame-they were tricked. Here’s the trick: Boomers lived their entire lives in an era of prosperity. That doesn’t mean they didn’t face struggles-many did. But even the worst-off, laziest boomers enjoyed greater economic opportunity than the most motivated, hardest-working millennials or Gen Z’ers. The post-World War II economy boomed, with U.S. GDP growing at an average of 4% annually from 1945-1973, allowing boomers to enter a workforce with low unemployment and economic stability. They had access to affordable homes-median home prices were just 3.5 times the median household income in 1980, compared to over 7 times today-and could attend college with little or no debt. Public college tuition in 1970 was $394 a year (about $2,500 adjusted for inflation), whereas today’s in-state tuition exceeds $10,000 annually. These advantages gave them an unearned head start that many don’t even recognize. Many boomers believe their success is entirely self-made-that waking up at 5 a.m. every day and working two jobs is what got them ahead. This isn’t true. Millennials and Gen Z work just as hard, if not harder, and data supports this. Worker productivity increased by 62.5% from 1979 to 2018, yet wages only grew by 17.5% in the same period. Millennials contribute more to GDP than boomers ever did, yet they’re burdened with $1.77 trillion in student loan debt, pathetic wages, record inflation, and unattainable housing costs. Nearly 50% of millennials report delaying major life milestones like marriage and children due to financial pressures, and 60% live paycheck to paycheck. Meanwhile, greed-driven inflation, wealth concentration, and skyrocketing costs have created a system that essentially operates as a plutocracy. Boomers control 57% of U.S. household wealth, while millennials hold only 5%. Young people are left with crushing student debt, soaring healthcare and housing costs, and stagnant wages. Suicides from hopelessness have risen 35% since 2000, and the U.S. saw over 100,000 drug overdose deaths in 2022, with young people disproportionately affected. Many are dropping out of the workforce entirely because they see no point. Boomers didn’t consciously orchestrate this; they were tricked by their circumstances. The “pull yourself up by your bootstraps” mentality they champion comes from their naive and, at times, arrogant expectation that younger generations can achieve the same success they did. The American Dream, for most, is long dead. Yet boomers cling to the illusion that it’s still alive, much like a child playing peek-a-boo, who assumes their parent can’t see them because they can’t see themselves. Boomers assume that hard work will still pay off because it did for them. The tragedy is that the trick didn’t harm them directly-it harmed their children. Yet many boomers, conditioned to see themselves as the center of the universe, refuse to believe this. A 2019 Pew Research survey found that 70% of millennials believe the economic system unfairly benefits the wealthy, compared to just 46% of boomers. This ignorance spares them from guilt about their children’s hopelessness, poverty, or inability to build families. Instead, some boomers lament their inability to become grandparents, framing it as their loss rather than their children’s struggles. This is one of the most tone-deaf, narcissistic responses imaginable. I suspect most boomers will never see the full truth in their lifetimes. But I still love the boomers who raised me. They were tricked. Were they arrogant, naive, and narcissistic? Yes, at times. But so can we all be. I love them despite their flaws. I forgive them. In that forgiveness, I don’t absolve them of being wrong or of the harm caused by their policies and beliefs. Yet I still thank them for what they instilled in me-the values of hard work, love, and resilience. These traits are good in theory, though they are rarely rewarded in our society. Where do we go from here? I have a child on the way. For those of us “doing it anyway,” despite the unfavorable conditions, I hope we keep an open mind about whatever challenges our children will face in the future. Let’s not hoard wealth-like boomers who control the majority of U.S. assets-or work into our 70s to buy a second home in the Hamptons, leaving it all to a second spouse or their kids while neglecting our own. Many boomers plan to work well past retirement age, with 50% saying they’ll work into their 70s to maintain their lifestyles. Let’s instead remember that life is finite and love our children well beyond the age of 18. No one asked to be here-not us, not anyone. So if you’ve brought a human being into this world, take care of them for life-emotionally, financially, and otherwise. Be kind. While we can’t predict what life will be like in 2044 for the young, it will almost certainly be vastly different from today. Let’s not forget that.
Sounds like a lot of complaining, but some fair facts as well. I’ll tell you right now- I’m a senior in college about to go into the workforce and I’m pretty convinced my generation is lazier than ever before. “Boomers” (which we make sound like a curse word these days😂)… boomer work ethic was just different, I’m sorry. They went to war and had limbs blown off. I wake up, eat Cheetos, and go to work/class.
@qepps7602 It's okay. Everyone loves Dave, including myself. Keep in mind he hired and trained his personalities, Jade being one of them, to do exactly what she is doing, i.e. offering her opinion in line with Dave's approach to financial management. She is only doing her job.
It is a gravely disordered sin. We have to stop excusing our sins. Not gonna fly on Judgment Day and that Day comes for each of us. Let's return to love and respect for God and His Holy Commandments.
Folks calling in, making over 100k with half a million, saved up asking questions like they are confused??? Really? I make 60 if I work every weekend, 25k in retirement, 8k in savings. I'm over 40, and can't imagine half a million. I will be working till they toss me in a hole, and I have everything, but the mortgage paid off, which is 57k. The mortgage is next. I only get one weekend off a month. Im tired and angry.
With this mindset, you sound entitled. I’m in my 20’s, I use to make 10.50 an hour and even at that point all I could think about was the potential I had to change my family tree. Being tired and get at others success gets you nowhere, making 60k a year you should be able to retire with dignity and have saved up LOTS of money. Do you budget, what’s your savings rate, what investments do you have, do you have a paid off car, etc etc. Start asking the right questions instead of being envious of old people dude.
Does someone actually say.. "no one should have that much money"??? I would laugh in their face and say.."you DON'T???" And actually, that person would never be associated with me.. shove off!😅
I wish Dave wouldn't talk about the millions his children will be inheriting. There are evil people out there who can do awful things to harm his wonderful family. I hope they travel with a bodyguard. I'm thinking of the Lindbergh baby. Please Dave, keep your family safe🙏
Charlie and Stacy!! You guys are amazing and speak to my familys heart. It IS so much easier today, contrary to what culture teaches young people. It is all about living beneath your means. I am also a PE teacher and have worked a few side gigs. We bought a modest home and now on our way to becoming millionaires by 50. No excuses, work hard and stick to the principles!! Thank you for your testimony, enjoy life!
Love when they chat with the everyday millionaires. Such great practical, great stories! ❤
The trooper story was the best. Gives me hope that i can retire a million air
Jade is Awesome!!! Dave + Jade is a vibe!❤
Agreed. I think Jade and anyone is great
Dave & Jade 💫🔥🔥
🎉yes❤
All the millionaires today, so down to Earth and no extravagant, lavish lifestyles which ruin most young, middle class people financially!! Great examples for us all
"Pay cash, Pacash, Pecash, pekash pekash" - Dave
Perhaps Rachel that is making $42,000 a year teaching children for discipleship can write books for children that would be refreshing especially in a biblical manner. That could increases her income so happy for what she’s doing May by Yahweh bless her.❤
Dream team 🎉❤ love from the uk 🇬🇧 ❤️
37:11 “Gay thing” bruh. 💀
Just imagine how she is 'raising' that daughter -
To each their own. We all know she means the whole LGBT4KHDTV agenda, which is fair enough to oppose
As someone who lives semi-near Spokane and has looked at moving to the area, yeah, the options are limited, but there are houses in the 300K - 350K range.
Dave, you should’ve asked Rodney if he’s investing 15% of his income into retirement
Bitcoin to the moon
Jade is so fine!!!!! ❤😍😍😍
*Dave
Jade "loved your ideas" for the mom that sent her daughter to boarding school,..... She can work/do something to earn a income!!
1:20:54 Mathematically this boosted you my boi. 😂
Thanks for the forecast! A bit off-topic, but I wanted to ask: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). Could you explain how to move them to Binance?
First caller is in Missouri. Not Kansas lol
Possibly , but being in KC area could mean either. I assume you're from there, so you should know that. The call screener typically asks what major city is closest to them. The greater KC area includes several "towns" in Kansas including Overland Park, Olathe, Mission, Shawnee....
God bless America
Stacy from Idaho who has taken her child out of school because they’re “pushing the gay thing” meanwhile being married to a man old enough to be her father…interesting.
Don’t blame her. It’s not that someone is gay, it’s the agenda being pushed. And as long as their relationship works, so be it.
Stacy's "moral code" allows for taking advantage of an old mam but condemns gay people. Guess who she voted for.
Not a sin to be married to an older man. Have you read the book of Ruth?
In the bible
@@loriej9297taking advantage of???? He’s an old broke man. lol
36:14 this is a long question
“They have been pushing the whole gay thing?” Wow! You over there BROKE and judging folks…wow wow wow
Something tells me Stacy the Bigot latched on to her elderly husband to get her bills paid while she stays home with "health problems" on the internet all day on QAnon chats. She deserves to lose her house and I hope a gay couple buys it for a steal.
People who don't want to give up sin LOVE to misquote Jesus. The Bible also says to judge rightly. And Jesus warns us that if we cause a little one to sin it would be better for us to be thrown into the sea. We should definitely stop perverting his children.
@@caliopeknows844you act like they are forcing kids to have gay intercourse on school grounds. 🤣 It’s not the 17th century my dude, it’s VERY safe nowadays. Safer than at any point in human history.
Your kids are not going to turn gay bc they saw two girls/boys kiss in the cafeteria. 🙄
Exactly. Broke and rude
Agreed. Shouldn't judge.
Boy was Dave Ramsey wrong about Gold and Bitcoin. Wow
Please explain in detail if you would please. What do you mean he’s wrong about gold and bitcoin??? Please explain thank you
@@isidorolopez265
Dave does not see gold as a good investment since its value appreciate at slower level than other investments like bonds
Dave also doesn’t invest in Bitcoins since it is too volatile and doesn’t have a history or long track record.
Just because Bitcoin is up does not mean it will stay there. It is highly volatile. It is good if you have enough money to take a high risk, but is not ideal for most people to invest in.
Going to a million. The only question is within 1 or 10 years?
The entire purpose of it is to BE a stable currency that exist as long as the modern world does. People globally have used it to ascend from poverty to neverbeforeseen familial wealth, probably being rewarded by the almighty for going against traditional blood money systems, but that's just a guess.
I think the debt will dye with here .
Dave is still here....????????.....I guess he will be off to Mexico soon for the next month or more.....
Indeed. He will pop in for few days before the long Christmas break when they do the big "Giving" episode, but that's about it until mid-January. Dave can be seen more often over on the EntreLeadership channel.
😂
He’s earned it.
Hope you have a program for leading dying people like that client whose wife is waiting to die.
The economy is dead
The people I love most deeply in this world are the boomers who raised me. That’s why I feel compelled to speak truth to them. This isn’t about blame-they were tricked.
Here’s the trick:
Boomers lived their entire lives in an era of prosperity. That doesn’t mean they didn’t face struggles-many did. But even the worst-off, laziest boomers enjoyed greater economic opportunity than the most motivated, hardest-working millennials or Gen Z’ers. The post-World War II economy boomed, with U.S. GDP growing at an average of 4% annually from 1945-1973, allowing boomers to enter a workforce with low unemployment and economic stability. They had access to affordable homes-median home prices were just 3.5 times the median household income in 1980, compared to over 7 times today-and could attend college with little or no debt. Public college tuition in 1970 was $394 a year (about $2,500 adjusted for inflation), whereas today’s in-state tuition exceeds $10,000 annually.
These advantages gave them an unearned head start that many don’t even recognize. Many boomers believe their success is entirely self-made-that waking up at 5 a.m. every day and working two jobs is what got them ahead. This isn’t true. Millennials and Gen Z work just as hard, if not harder, and data supports this. Worker productivity increased by 62.5% from 1979 to 2018, yet wages only grew by 17.5% in the same period. Millennials contribute more to GDP than boomers ever did, yet they’re burdened with $1.77 trillion in student loan debt, pathetic wages, record inflation, and unattainable housing costs. Nearly 50% of millennials report delaying major life milestones like marriage and children due to financial pressures, and 60% live paycheck to paycheck.
Meanwhile, greed-driven inflation, wealth concentration, and skyrocketing costs have created a system that essentially operates as a plutocracy. Boomers control 57% of U.S. household wealth, while millennials hold only 5%. Young people are left with crushing student debt, soaring healthcare and housing costs, and stagnant wages. Suicides from hopelessness have risen 35% since 2000, and the U.S. saw over 100,000 drug overdose deaths in 2022, with young people disproportionately affected. Many are dropping out of the workforce entirely because they see no point.
Boomers didn’t consciously orchestrate this; they were tricked by their circumstances. The “pull yourself up by your bootstraps” mentality they champion comes from their naive and, at times, arrogant expectation that younger generations can achieve the same success they did. The American Dream, for most, is long dead. Yet boomers cling to the illusion that it’s still alive, much like a child playing peek-a-boo, who assumes their parent can’t see them because they can’t see themselves. Boomers assume that hard work will still pay off because it did for them.
The tragedy is that the trick didn’t harm them directly-it harmed their children. Yet many boomers, conditioned to see themselves as the center of the universe, refuse to believe this. A 2019 Pew Research survey found that 70% of millennials believe the economic system unfairly benefits the wealthy, compared to just 46% of boomers. This ignorance spares them from guilt about their children’s hopelessness, poverty, or inability to build families. Instead, some boomers lament their inability to become grandparents, framing it as their loss rather than their children’s struggles. This is one of the most tone-deaf, narcissistic responses imaginable.
I suspect most boomers will never see the full truth in their lifetimes. But I still love the boomers who raised me. They were tricked. Were they arrogant, naive, and narcissistic? Yes, at times. But so can we all be. I love them despite their flaws. I forgive them. In that forgiveness, I don’t absolve them of being wrong or of the harm caused by their policies and beliefs. Yet I still thank them for what they instilled in me-the values of hard work, love, and resilience. These traits are good in theory, though they are rarely rewarded in our society.
Where do we go from here?
I have a child on the way. For those of us “doing it anyway,” despite the unfavorable conditions, I hope we keep an open mind about whatever challenges our children will face in the future. Let’s not hoard wealth-like boomers who control the majority of U.S. assets-or work into our 70s to buy a second home in the Hamptons, leaving it all to a second spouse or their kids while neglecting our own. Many boomers plan to work well past retirement age, with 50% saying they’ll work into their 70s to maintain their lifestyles.
Let’s instead remember that life is finite and love our children well beyond the age of 18. No one asked to be here-not us, not anyone. So if you’ve brought a human being into this world, take care of them for life-emotionally, financially, and otherwise. Be kind. While we can’t predict what life will be like in 2044 for the young, it will almost certainly be vastly different from today. Let’s not forget that.
Sounds like a lot of complaining, but some fair facts as well. I’ll tell you right now- I’m a senior in college about to go into the workforce and I’m pretty convinced my generation is lazier than ever before. “Boomers” (which we make sound like a curse word these days😂)… boomer work ethic was just different, I’m sorry. They went to war and had limbs blown off. I wake up, eat Cheetos, and go to work/class.
When Greatness is in the room be quiet 🤫 🤐
No kidding!
She's tired, stifled a yawn at one point
Your comment is very rude
@@4everwonderfuli wasn’t trying to be rude , sorry if i offended you i just love to hear Dave not be interrupted
@qepps7602 It's okay. Everyone loves Dave, including myself. Keep in mind he hired and trained his personalities, Jade being one of them, to do exactly what she is doing, i.e. offering her opinion in line with Dave's approach to financial management. She is only doing her job.
Millionaire hour is a replica of "The Millionaire Next Door" Thomas J Stanley
This vet is solid gold, ideal Millionaire Next Door
Go to trade school
Ohh the gays
Rolled my eyes hard at that call
It's gross
We’re tired to the agenda being pushed.
It is a gravely disordered sin. We have to stop excusing our sins. Not gonna fly on Judgment Day and that Day comes for each of us. Let's return to love and respect for God and His Holy Commandments.
@caliopeknows844 shutup
Wayfair text only. Bet that is AI or offshore. Clueless... 38:53
Did Jade just shush Dave??!! :O
heir
Folks calling in, making over 100k with half a million, saved up asking questions like they are confused??? Really?
I make 60 if I work every weekend, 25k in retirement, 8k in savings. I'm over 40, and can't imagine half a million. I will be working till they toss me in a hole, and I have everything, but the mortgage paid off, which is 57k. The mortgage is next. I only get one weekend off a month. Im tired and angry.
With this mindset, you sound entitled. I’m in my 20’s, I use to make 10.50 an hour and even at that point all I could think about was the potential I had to change my family tree.
Being tired and get at others success gets you nowhere, making 60k a year you should be able to retire with dignity and have saved up LOTS of money.
Do you budget, what’s your savings rate, what investments do you have, do you have a paid off car, etc etc. Start asking the right questions instead of being envious of old people dude.
They are curious. You have made many financial mistakes it sounds like.
Does someone actually say.. "no one should have that much money"???
I would laugh in their face and say.."you DON'T???"
And actually, that person would never be associated with me.. shove off!😅
Jealousy and envy manifest itself strongly online. Sad
Energy therapy or dolphin therapy can Wale. Halppppp. Your. Wife. Sir
Omg .. why is she on so much .. I swear has too be the lowest paid and made to work lol.. my least favorite personality
Jade needs some serious coaching..
Be more specific
I wish Dave wouldn't talk about the millions his children will be inheriting. There are evil people out there who can do awful things to harm his wonderful family. I hope they travel with a bodyguard. I'm thinking of the Lindbergh baby. Please Dave, keep your family safe🙏
Pretty sure that anyone who would want to do harm to them already knows about the millions.
This isn't Mexico
@rsimmons1980 There are many in the USA Iillegally who will commit criminal acts for a fee. You're very naiive.
Lol why are you worried about that? What an odd comment. I think he's doing just fine without your protection
Dave is a Real Estate agent -- nothing more. Never forget that.
And a radio host
Why do I have to listen a second d person - a parrot kind of like .. She is repeating whatever Ramsey is staying
Not always, you don't listen enough