As an immigrant, I can't agree with what he said more. Most Americans don't know how easy they've had it. most of them won't be able to survive in a third world country.
My husband came from a Third World country. Learn English. Got a masters degree in English. Got his license, and opened a counseling practice. That whole process took about a decade and a half, but now he’s making more money than the average American is. he was never afraid of hard work. You are very right.
I’m also an emigrant, being here for 17years , and im almost 36; and in 2 more years I’ll be retired back in my country. Thanks 🙏 North America 🫨 no degree no car payments no house payment and 675k in my bank. All thanks to this county, good behavior with money and hard works ( I’m very thankful with our lord ).
My wife and I took his Financial Peace University class in Spring 2010. We intentionally took it two more times since then, and just finished leading a fourth class at our church for the first time. Today we are debt free, except for the mortgage, have 3-6 months of monthly bills saved up for an emergency, we run our own small business, and we will have our house paid off in just under five more years.
I thought I was one of the smart ones that could avoid stupid. In my last two years of high school I made almost 150,000 by myself and had NOTHING to show for it.
Faith and Frugal If it's not taught in school, no one will learn. Kids in school, grow up to adults. Which have kids who then go to school. It's a cycle.
@angel201025 - you’re not kidding. Basic finance and budgeting should be MANDATORY as part of the HS curriculum. This is something that would actually prepare kids to become responsible adults. But of course, our illustrious leaders that actually set the curriculum know better ............
So true about getting noticed at work. I got in earlier, dressed better and stayed later. I became a VP in 5 short years and doubled my salary to a six figure income. Every day with a smile on my face regardless of how exhausted I was. It wasn’t easy, but I served as if it was God himself who asked me to get the job done. Give me a whole different attitude.
This really hits home to me from the standpoint that everyday when I go to work I go in there with the intention of working and doing my job and doing what I can to stay busy because it not only benefits the business in certain ways but also helps the time go faster from being in motion just by working. Yet there are so many in my workplace that seem to basically have it in their heads that there is such a thing as a "free" paycheck when in reality there's not and then run their mouth off and make a stink about someone who is actually working and not goofing off and standing around. Also what is such a big turn off to me in the workplace is when people can't mind their own business and worry about doing their job and stop being nosy and making a stink about what this person over here or that person over there is doing. Dave is ever so right in this segment that we only do what we choose to do in that we can work and be successful or not work and falsely think that our spouse, important other, parents or even the world is going to cater to us. Speaking along the lines of what Dave would say when people like that are in their later years........I hope that you'll all be well stocked up on dog food by then if not start looking for the coupons for it in the Sunday papers now while you can.
Dave you are so right...smile, put out good energy, care and work hard at your job and it will pay off! I live by this and my employer has always taken notice and rewarded me.
I used to spend more than I make, this man changed my mind, getting out of debts this year. Not easy because I have to see my money go but will be worth it.
Every video I've seen so far has been great. Thanks for the insight sir.. Have literally just cut up credit cards after watching. I'm done with being normal.
You Rock Dave Ramsey! I've just finished Financial Peace University, and what a blessing it's been in my life! I can't wait to come to Tennesee! You and Rachel are truly teaching us skills for living intentional lives. Sharing this knowledge in such a simple real way will undoubtedly change the culture of our country! Keep up the great work, it is so appreciated.
I’m gonna save this in my playlist so I can watch it any time I start forgetting why I am working so hard & sacrificing to have a better life than my parents had
Going through the old videos really got me motivated to re-evaluate what I’m doing. I’ve adopted a minimalist life a while back but there’s always room to improve!
So greatful for Dave!!🔥 Because of Financial Peace U. & these amazing rants/videos, I’ll be paying off my first credit card in a month & WILL be debt free soon🙌🏾 Only 22 & I will retire with millions!
Where have you been all my life Dave? You just saved me and got me back on track. On step 2 paying off that credit card and student loans debt. Tired of my money 💸💸💸
Thanks for the encouragement! We paid off $150k in four years making $50k/yr (only sold one item for $10k) and we lived on next to nothing. We have since slacked off but with two little ones in the house now we've got to get back to that gazelle intensity!
I put on Facebook people need to focus on savings not on a credit score and this was one of my followers response : "Credit is important though, you might not own the car yet but with good credit you'll eventually own that car a lot less than someone with bad credit, Same with house and pretty much anything you're paying interest on." .. Dave this is when I knew I'm on the right path they are glorifying debt acting like it's good not knowing that saving is power and being debt free as well. I am thankful I found you through the debtfreecommunity I feel like I'm finally part of the millionaires club I'm not there yet but I will get there .
3:43 I'm a trucker an work very hard for my money. Us truckers put in a hundred hours a week but log just 70 because the law said so. If we got paid for everything we do we would have the best jobs in the world, but we give so much of our time away for free because it is expected, because no company out there wants to pay us what we are worth.
Buy your truck outright and become an independent contractor. Look into creating your own trucking business. Work for yourself. Pay yourself what you deserve.
Other than a profit sharing loan from my workplace, I am Debt Free. It took me 5 years to get $25 K out of debt. I was only making about $9.25 an hour, but had it set in my mind to be debt free. Big Time Sacrifices. No Bankruptcy, No Consolidation "Loans", or "Restructuring" of it. I do invest now, but I invest in Physical Silver, I stay away from Paper Assets.
I love you Dave Ramsey for being a great inspiration! Your rant always makes me invigorated in looking for more ways to be stop being financially stupid! Thank you for giving me hope and allowing me to believe in myself again!
Thank you Dave for this video. My sister told me about you a few weeks ago after I shared with her about my husband and I financial struggles. You are truly inspiring! I do not own your book but I have been listening to your videos every night to keep me motivated and focused. I feel like there is hope for us! I have learned a lot from your channel and I have started my debt free journey and making a change in my spendings. I also started a budget book. Thank you for all of your advice and the chance for us to hear others stories.
Gee Dave, I wish it was as easy as smiling, being polite and work hard was all it took. I used to to a lot and it was known I was one of the hardest workers in the office with an awesome disposition. Then when it came time for raises, I was given less then my counterpart who did half the work I did. I’ve lost interest in my job and know I just show up and do the minimum I have to do. I’m very dissatisfied and I know it’s my decision to continue to work at a place that doesn’t appreciate their employees so I don’t blame the company. I need to be intentional with my career but I feel that I can’t until I’m out of debt.
From a single man's perspective... if you stay away from dating materialistic women...and avoid women who refuse to work... you can have what you want some day if your spouse is working with you towards your goals.
Avoiding materialistic people isn't gender specific. Also having a genuine conversation with a materialistic person about their real goals can turn around that behavior. Doesn't have to be a deal breaker unless they aren't willing to think beyond today.
Yeah I worry about my parents because they have no savings and they’re both 49 years old ..my dad’s parents were very smart with money .. they are both in their 70s now and retired and about to build a house without breaking a sweat...... so I don’t know why none of that money smarts rubbed off on my dad
It's funny I think the depression generation and slightly after have very good money smarts. It seems most of the first generation after the depression blow their money away. My parents are the same as yours 55 broke and on disability. Blew all their money away when they had it and cashed out the 401ks early. My grandparents 78 and 83yo however own a sizable estate and live very comfortable lives on their 401k retirement and pensions. Very smart people, out lived their expected death age by 10 or more years and have more than enough still. You can guess who I take advice from lol
"When you arise in the morning, think of what a precious privilege it is to be alive - to breathe, to think, to enjoy, to love. Very little is needed to make a happy life; it is all within yourself, in your way of thinking. You have power over your mind - not outside events... our life is what our thoughts make it." - Marcus Arelius.
I just love it when he says, "STUPID!" It's the simple truth.
As an immigrant, I can't agree with what he said more. Most Americans don't know how easy they've had it. most of them won't be able to survive in a third world country.
I don’t know, there are a lot of fatties in America, they’d slim down to a normal weight in a third world country.
My husband came from a Third World country. Learn English. Got a masters degree in English. Got his license, and opened a counseling practice. That whole process took about a decade and a half, but now he’s making more money than the average American is. he was never afraid of hard work. You are very right.
I’m also an emigrant, being here for 17years , and im almost 36; and in 2 more years I’ll be retired back in my country. Thanks 🙏 North America 🫨 no degree no car payments no house payment and 675k in my bank. All thanks to this county, good behavior with money and hard works ( I’m very thankful with our lord ).
FACTS✅
The US is headed towards being a 3rd world country thanks to the libs
I love listening to Dave's Rants: they keep me motivated.
+Kay Wize Thank you for watching! We have a whole playlist of Dave Rants on the front page of our UA-cam channel if you ever need more.
I don't feel like this is a rant, more like a motivational video! Dave's got a way of saying thing!
+Jeremy Cote Dave's rants are motivational.
Dave’s rants are my favorite too.😂
Woo amen brotha!!
I never get tired of hearing this rant! :)
My wife and I took his Financial Peace University class in Spring 2010. We intentionally took it two more times since then, and just finished leading a fourth class at our church for the first time. Today we are debt free, except for the mortgage, have 3-6 months of monthly bills saved up for an emergency, we run our own small business, and we will have our house paid off in just under five more years.
It's been five years. I'd love to hear an update!
That house paid off yet???
My daughter (15) over heard one of your videos while I was listening and she said why is this not a class in high school?
I thought I was one of the smart ones that could avoid stupid. In my last two years of high school I made almost 150,000 by myself and had NOTHING to show for it.
That's the same thing I thought of bringing up at the School Dept here in RI. We should have had this as children.
angel201025 money management should be a class in high school.
Faith and Frugal If it's not taught in school, no one will learn. Kids in school, grow up to adults. Which have kids who then go to school. It's a cycle.
@angel201025 - you’re not kidding. Basic finance and budgeting should be MANDATORY as part of the HS curriculum. This is something that would actually prepare kids to become responsible adults. But of course, our illustrious leaders that actually set the curriculum know better ............
I'm guilty of everything he said. I AM making changes right now though.
devil speaking>>>>>>hold up not too fast...dont make changes now...wait til like 5 years from now to make changes....
LOL....Yea, that's the devil....lol.
Me too. I'm getting the emergency fund started in a few days.
Joe Lee me too
@Joe Lee.....where are you now? I'm excited to hear what the change has resulted from 4 years ago.
So true about getting noticed at work. I got in earlier, dressed better and stayed later. I became a VP in 5 short years and doubled my salary to a six figure income. Every day with a smile on my face regardless of how exhausted I was. It wasn’t easy, but I served as if it was God himself who asked me to get the job done. Give me a whole different attitude.
I don't give a crap what others think about me and its SO LIBERATING!
Thank you! I want to make this video play every morning when I get in the SHOWER!
solarfreek I listen to this every day. :-)
Be intentional, excellent, and passionate! I love it :) I want to be around more people who live in this way. Where are they?
3:35 Oh gosh... I'm at work, and Dave Ramsey is staring right into my soul....
+DTHRocket ME TOO EXCEPT TUMBLR
+JasonfromMinnesota
Not at work but.... yet at school.
OMG Dave you have hurt some people's feelings with this one....including my own....and it feels good! Thank you for being honest.
The cow 🐮 imitations had me rolling!!!!!!! 🤣🤣🤣🤣🤣🤣🤣
straight talk no chasers. needed to hear that
Dave Ramsey is helping me so much! Wish I knew about him way before all my stupid mistakes. God Bless him!
I love Dave hes so serious but so funny at the same time 🐄 mooooo 😂
... have a plasectomy babyyyyy!
I enjoyed listening to this!
This really hits home to me from the standpoint that everyday when I go to work I go in there with the intention of working and doing my job and doing what I can to stay busy because it not only benefits the business in certain ways but also helps the time go faster from being in motion just by working. Yet there are so many in my workplace that seem to basically have it in their heads that there is such a thing as a "free" paycheck when in reality there's not and then run their mouth off and make a stink about someone who is actually working and not goofing off and standing around. Also what is such a big turn off to me in the workplace is when people can't mind their own business and worry about doing their job and stop being nosy and making a stink about what this person over here or that person over there is doing. Dave is ever so right in this segment that we only do what we choose to do in that we can work and be successful or not work and falsely think that our spouse, important other, parents or even the world is going to cater to us. Speaking along the lines of what Dave would say when people like that are in their later years........I hope that you'll all be well stocked up on dog food by then if not start looking for the coupons for it in the Sunday papers now while you can.
Latte breath. Lol. Dave is killing them today. He's got some excellent points. This man and his team are why I'll be debt free in the next 3 months.
🤣🤣
Everyone needs to play 8:20-8:35 on replay for hours!!! I just replayed it 3 times, no joke. If those 15 seconds don’t upset you then nothing will. 🤬
Why would they upset me? I don’t have a car.
This is the best thing I've seen in a long time! Thank you Mr. Dave!
Best 10 minutes of radio out there
Dave you are so right...smile, put out good energy, care and work hard at your job and it will pay off! I live by this and my employer has always taken notice and rewarded me.
LOL!! at when he said "Latte Breath". Me= coffee lover. That woke me up. LOL!!
Straight Talk.. Thanks so much Dave. God Bless you.
I used to spend more than I make, this man changed my mind, getting out of debts this year. Not easy because I have to see my money go but will be worth it.
Every video I've seen so far has been great. Thanks for the insight sir.. Have literally just cut up credit cards after watching. I'm done with being normal.
Classic tough love from Dave. Good video here.
I wish I found these videos when I was 18. Keep it up Dave!
latte breath lol
bahahaha I know it has me lmbo
You Rock Dave Ramsey! I've just finished Financial Peace University, and what a blessing it's been in my life! I can't wait to come to Tennesee! You and Rachel are truly teaching us skills for living intentional lives. Sharing this knowledge in such a simple real way will undoubtedly change the culture of our country! Keep up the great work, it is so appreciated.
I’m gonna save this in my playlist so I can watch it any time I start forgetting why I am working so hard & sacrificing to have a better life than my parents had
My all time favorite❤
This video is on repeat all the time on my phone.
Your amazing Dave, the way you say it like it is, it's to the point, no beating around that bush. love it! !!
I deleted all my social media (except obviously UA-cam but I’m not active haha) just so I could focus on my finances and what I want for my future.
Going through the old videos really got me motivated to re-evaluate what I’m doing. I’ve adopted a minimalist life a while back but there’s always room to improve!
This is so funny. So factual. Love him
OMG I love when Dave does his immitations. LOVE this man
So greatful for Dave!!🔥 Because of Financial Peace U. & these amazing rants/videos, I’ll be paying off my first credit card in a month & WILL be debt free soon🙌🏾 Only 22 & I will retire with millions!
This is by far one of his best motivational rants.
One of Daves best rants yet. Love it!
Where have you been all my life Dave? You just saved me and got me back on track. On step 2 paying off that credit card and student loans debt. Tired of my money 💸💸💸
Great advice. Common sense and old fashioned principles. I wish I had discovered him years ago.
"Hope you like the freaking car"...Whew...
I wonder how close he was to saying the f word?!😂
Brilliant Mr Ramsey! All common sense, no rocket science.
I VOTE DAVE RAMSEY FOR THE PRESIDENT OF THE UNITED STATES OF AMERICA !
If I was American so would I!
+lincolncity9 MOST AMERICANS DON'T VOTE
He’s way too conservative for me but I still love him.
Agree
Right on, Dave! Thank you for being vocal about your beliefs! I talk/teach my kids about these principles and can use all the help I can get! 👍🏽
I'm going to add this to my You Tube play list and play this every morning before work as a reminder of what I need to be doing.
Thanks for the encouragement! We paid off $150k in four years making $50k/yr (only sold one item for $10k) and we lived on next to nothing. We have since slacked off but with two little ones in the house now we've got to get back to that gazelle intensity!
I put on Facebook people need to focus on savings not on a credit score and this was one of my followers response : "Credit is important though, you might not own the car yet but with good credit you'll eventually own that car a lot less than someone with bad credit, Same with house and pretty much anything you're paying interest on." .. Dave this is when I knew I'm on the right path they are glorifying debt acting like it's good not knowing that saving is power and being debt free as well. I am thankful I found you through the debtfreecommunity I feel like I'm finally part of the millionaires club I'm not there yet but I will get there .
I'm watching this at work.
One of my favorite episode so true care to bother
Wow... This just kicked me in the nuts!! I gotta take as closer look at my life! Starts right now.
3:43 I'm a trucker an work very hard for my money. Us truckers put in a hundred hours a week but log just 70 because the law said so. If we got paid for everything we do we would have the best jobs in the world, but we give so much of our time away for free because it is expected, because no company out there wants to pay us what we are worth.
Buy your truck outright and become an independent contractor. Look into creating your own trucking business. Work for yourself. Pay yourself what you deserve.
Other than a profit sharing loan from my workplace, I am Debt Free. It took me 5 years to get $25 K out of debt. I was only making about $9.25 an hour, but had it set in my mind to be debt free. Big Time Sacrifices. No Bankruptcy, No Consolidation "Loans", or "Restructuring" of it. I do invest now, but I invest in Physical Silver, I stay away from Paper Assets.
I love this guy ,,, I THink his way of THINKING is incredible :) Just found my new mentor
I love you Dave Ramsey for being a great inspiration! Your rant always makes me invigorated in looking for more ways to be stop being financially stupid! Thank you for giving me hope and allowing me to believe in myself again!
I a so glad that I stumbled across this channel! I'm ready to change my life.
Great content! Somewhere along the line I lost this frame of thinking, thanks for lighting it right back up!
Thank you Dave for this video. My sister told me about you a few weeks ago after I shared with her about my husband and I financial struggles. You are truly inspiring! I do not own your book but I have been listening to your videos every night to keep me motivated and focused. I feel like there is hope for us! I have learned a lot from your channel and I have started my debt free journey and making a change in my spendings. I also started a budget book. Thank you for all of your advice and the chance for us to hear others stories.
He said 400 something for a car payment, looked at about 400 cash in my hand and thought if I had that car payment.
My kind of content👏🏾 , this is the kind of talk that you apply PHYSICALLY in life to help you win ✅.
oh, my husband and I loved this. Lots of laughs and so right. on. seriously. Thank you DR.
Gee Dave, I wish it was as easy as smiling, being polite and work hard was all it took. I used to to a lot and it was known I was one of the hardest workers in the office with an awesome disposition. Then when it came time for raises, I was given less then my counterpart who did half the work I did. I’ve lost interest in my job and know I just show up and do the minimum I have to do. I’m very dissatisfied and I know it’s my decision to continue to work at a place that doesn’t appreciate their employees so I don’t blame the company. I need to be intentional with my career but I feel that I can’t until I’m out of debt.
Love yea Dave! 2 months ago I didn't know what a Roth IRA was now I put more time into it than I did to my shows!
I just found out about you Dave!! You inspire me!!! Thank you!!
I'm a new listener! This is good!
“have a plasectemy baybeeeee” lol. Too funny! 😂
One of my favorite rants. Be INTENTIONAL. Saturate you’re brain with content like this. 🙌🏿💰. BOTHER to care 😂
Wow!! I felt this one at my core!!
4:04 My personal replay button
Man I love this guy.
From a single man's perspective... if you stay away from dating materialistic women...and avoid women who refuse to work... you can have what you want some day if your spouse is working with you towards your goals.
Avoiding materialistic people isn't gender specific. Also having a genuine conversation with a materialistic person about their real goals can turn around that behavior. Doesn't have to be a deal breaker unless they aren't willing to think beyond today.
Elizabeth Coleman he did say from a man's perspective.
Dave Ramsey is oh so amazing
I love this!!!! So funny and true.
Love This! -Thanks Dave
That was a good cow impression.
Awesome and to the point.
This was sooooo good. Got me fired up this morning Dave!!!
Thanks, Dave. Your advice is sound....even though I wouldn't follow it 100%.
Thank you for the gems Dave! I have taken notes! Next is take action!
"Tell the truth, Smile and Work while you're at work" - What a concept!!!
Epic rant. Maybe the best ever.
Yeah I worry about my parents because they have no savings and they’re both 49 years old ..my dad’s parents were very smart with money .. they are both in their 70s now and retired and about to build a house without breaking a sweat...... so I don’t know why none of that money smarts rubbed off on my dad
It's funny I think the depression generation and slightly after have very good money smarts. It seems most of the first generation after the depression blow their money away. My parents are the same as yours 55 broke and on disability. Blew all their money away when they had it and cashed out the 401ks early. My grandparents 78 and 83yo however own a sizable estate and live very comfortable lives on their 401k retirement and pensions. Very smart people, out lived their expected death age by 10 or more years and have more than enough still. You can guess who I take advice from lol
Dave Ramsey motivates me yo!
Reality check. This video hurts as well as it should.
I always start my day with this motivational video
thanks for this video Dave Ramsey, I am now more
focused on my goals
Best advice I received in 2018. Thanks Dave for this video.
Thank you Dave I am turning my life around Gracias Gracias Gracias
like a Boss
"When you arise in the morning, think of what a precious privilege it is to be alive - to breathe, to think, to enjoy, to love. Very little is needed to make a happy life; it is all within yourself, in your way of thinking. You have power over your mind - not outside events... our life is what our thoughts make it." - Marcus Arelius.
I love your rants
This is actually really good. I get motivated to do better with my own finances
Woe to you that are rich!
For you have received your consolation
2:17 love it!
I need to listen to this everyday
Everyone should wake up everyday and watch this
this is good stuff DANG