Start Thinking Like Rich People - Dave Ramsey Rant

  • Published on Oct 15, 2018
  • See if you have the coverage you need to protect your family when disaster hits. Take the 5 Minute Coverage Checkup and get your personalized to-do list!
    In this video, Dave rants about changing your mindset to start thinking ahead and making decisions like rich people.
    Proverbs 10 states, “A slack hand causes poverty, but the hand of the diligent makes rich.” This is simple: laziness causes you to be poor, but diligently working makes you rich. Dave explains that diligence here is just continued excellence over time.
    In a study of 10,000 millionaires, our team found that people who have built wealth have a long-term planning window. Before they make decisions, they ask, “How will this affect me in 5, 10, or 50 years?” They set goals and then work diligently to reach them.
    And guess what? If you think and act like rich people, you get to become rich people.
    Our team has created a tool to help you start thinking ahead. The 5 Minute Coverage Checkup shows you ten ways you need to be covered long-term - having the right insurance, checking your credit report, getting a will, and more. Take the 5 minute quiz and get a personalized to-do list to make sure you’re covered. Taking care of this stuff now sets you up to build wealth in the future!
    Protecting yourself and your family is diligence! Start thinking like rich people today. Take the 5 Minute Coverage Checkup:
    Learn more about the importance of getting a will:
    Find out what other types of protection Dave says you can’t go without:
    Read more about building wealth:
    The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country! Watch video profiles of people just like you as they call in from Ramsey Solutions to do their debt-free scream live. The show streams live on TVclip M-F from 2-5pm ET! Watch here:

Comments • 323

  • david ortiz
    david ortiz 6 hours ago

    Don’t get wrecked up Get checked up from the neck up !!!my homie Dave talking slick thanks for sharing your knowledge and wisdom... I definitely will apply it with diligence!!!!

    IRONMAN IRONMAN 2 days ago

    Stay away from full commission brokers

  • Jose Antonio
    Jose Antonio 6 days ago

    Great tips. Rich people fight over willls too. Look at Aretha Franklin her assets were taken before her death. So that's not always the case.

  • Lew Fez
    Lew Fez 6 days ago

    I'll keep all that in mind as I deliver more cheeseburgers for Uber tomorrow (side gig).

  • Vicent Ramirez
    Vicent Ramirez 8 days ago

    Thank you Dave for all the great advice it’s really changed my life. Wish I knew about you in my twenties.

  • internetnavigator a
    internetnavigator a 9 days ago

    I can afford to buy a brand new car with cash and then I find myself thinking that if I do that, I'll never leave my job, I'll never be rich and Dave starts talking in my head, in fact buying that car would cause that I become that guy who has worked for 30 years for the company, so thank you Dave Ramsey, because we do listen to you.

  • jay c
    jay c 10 days ago

    The bible is b.s

    • M C Taylor
      M C Taylor 2 days ago

      Are you familiar with Jewish people? The Old Testament is sorta like their history, I think.

  • Brandon Scott
    Brandon Scott 11 days ago

    Got an advertisement to finance a living room set from The

  • Olivia Bishop
    Olivia Bishop 11 days ago

    Fighting like a bunch of hillbillies 🤣

  • miltoncat
    miltoncat 15 days ago

    “Fighting like a bunch of hillbillies”... Dave wins the internet! 😀

  • Jannick Bremm
    Jannick Bremm 18 days ago

    Funny when your German and go like "yes, yes, yes" on the "do you have x insurance" part of the checkup.

  • Debora Slay
    Debora Slay 18 days ago

    Speak 👌🏽

  • mouad bekka
    mouad bekka 25 days ago

    Read the Quran and the sayings of prophet Muhammad peace be upon him that s where the light is unlike the Bible which been tempered with from bunch of popes, full of confusions and contradictions

  • ken dockery
    ken dockery 25 days ago +1

    you stand in line longer for 5 minutes to get coffee lol I'm crying laughing

  • Norma Barros
    Norma Barros 27 days ago

    Amen.....thank you

  • Terrance Grant
    Terrance Grant 29 days ago +1

    Don't ever say check up from the neck up again!!! Lol..

    • M C Taylor
      M C Taylor 2 days ago

      Zig Ziglar said it decades ago.

  • T S
    T S Month ago

    Dave, I love YOU...thank you for teaching us!!

  • rene garcia
    rene garcia Month ago

    Credit report???

  • Craig’s Cuts
    Craig’s Cuts Month ago +2

    Just completed the checkup!

  • Well Behaved Wallet

    Rich people think about the future! Common sense, not so common! xWBW

  • Chong Yang
    Chong Yang Month ago

    Saving and budgeting needs to be at the top of your favorite hobby list.

  • Mellybeans0919
    Mellybeans0919 Month ago

    Thank you. Great checklist! (Took less than 5 mins!)

  • m jones
    m jones Month ago

    This is not a rant. This is much needed knowledge!!

  • Building Buildercip
    Building Buildercip 2 months ago

    Dave, why are you trying to sue meet Kevin?

    • jay c
      jay c 10 days ago

      Because he can

  • cunn1n6ham
    cunn1n6ham 2 months ago

    “If you plant stupid you grow broke and desperate...You’re going to get a crop of something.” 🤣😂 Classic

  • Randy Pullman
    Randy Pullman 2 months ago

    Rich people think poor people are stupid after all there're poor and don't realize the weathy reneged on the social contract. EG you tell poor africans to think the same as weathy and they do thats why weathy africans are not here to be your friend.

  • johnny t
    johnny t 2 months ago

    How many left this vid early to go text?

  • Anax of Rhodes
    Anax of Rhodes 2 months ago

    Dave tackles those Bible verses in "The Legacy Journey." Go read it. Twice.

  • sam eden
    sam eden 2 months ago +1

    Bible banging bs

    • M C Taylor
      M C Taylor 2 days ago

      says the guy who is too lazy to pick up a copy of the Bible and read Proverbs.

  • Unknown Unknown
    Unknown Unknown 2 months ago

    I wish Dave would stop peddling hack websites like Kelly blue book. The values are terrible.

  • Crystalianike
    Crystalianike 2 months ago +6

    "if you plant corn, corn grows and if you plant stupid you grow broken desperate" he is savage AF hahhaha but this is so true!

  • MrChiangching
    MrChiangching 2 months ago +1

    It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God. If you'r gonna quote the Buybull , don't cherry pick.

    • M C Taylor
      M C Taylor 2 days ago

      So, you quote the Bible, and then make a joke about it?

  • Boostang
    Boostang 2 months ago +1

    It took us almost a year but we finally paid everything off (student loans/2016 Corolla/credit cards) and I just sold my 2017 mustang today (10/28/18) and we are now finally DEPT FREE for the first time ever 😱. Thank you so much Dave for your teachings, now we can move to baby step 3

  • Jennifer Moore
    Jennifer Moore 2 months ago +1

    That’s one possible interpretation of that proverb. There are other possibilities as well. Yes, you have to work hard in life and be smart with your money. You need to live within your means whether your making $10,000, $100,000, or $10,000,000 per year. No brainer. Get past budgeting, estate planning, and saving for retirement. The super wealthy, the class most people aspire to, and what most think of when Dave, Tony Robbins, and others talk about “being wealthy” have ways that they build and preserve their wealth that most people don’t have. Tax shelters, tax breaks and write offs that the vast majority of people can’t use. Why don’t we start redefining what “wealth” means and looks like. What does wealth look like based on your socioeconomic bracket and occupation look like? Working with what you’ve got. A teacher income vs. a physician vs. a tech or finance executive vs. a professional athlete vs entertainment mogul will all look very different. Not everyone has the intelligence, aptitude, or talent to be a surgeon, CEO, Grammy winning singer, or Super Bowl quarterback. Not all entrepreneurs create multi billion dollar companies. How do you work with you’ve got?

  • Nate Davidoff
    Nate Davidoff 2 months ago

    You dont need a will if you are broke. All these stereotypical things should be taken on a case by case basis

  • Nate Davidoff
    Nate Davidoff 2 months ago +1

    I dont think timeframe is important here. Full information is more important for a decision. Time horizon changes too rapidly. No one can plan out 10 years not even companies. Change happens too quickly.

  • Casey Abrell
    Casey Abrell 2 months ago

    Dave knows his stuff, but making it sound like "hillbilly's" are the only people who fight and have money trouble is ignorant

  • Lqla
    Lqla 2 months ago

    Omg the quality of your camera is amazing!

    INVESTMENTS 2 months ago +1

    Thank you for this video mr Ramsey 🙏

  • B Amadasun
    B Amadasun 3 months ago +2

    Great advice and wisdom from the Bible and Dave!

  • Michael Woods
    Michael Woods 3 months ago

    I guess I'm already thinking like a rich person--at least like one of them, me. At least I'm rich enough to suit myself.

  • Xavier Fall
    Xavier Fall 3 months ago +151

    Changing my life beginning today, I’m 22 and I refuse to hit 30 and still living paycheck to paycheck, Thanks Dave you’re saving futures

    • Ebb Flow
      Ebb Flow Month ago

      You can do it 🤞

    • Danny F
      Danny F Month ago +1

      Divide your paycheck in to percentage, use the 6 jar system, high yield saving account, investing, compound interest and don't buy things you can't afford live below your mean.

    • enricmm85
      enricmm85 2 months ago +3

      32 over here and have never lived paycheck to paycheck and always managing to save somewhere between 5% to 20% of my monthly income (45% to 60% when I still lived with my parents). And most months I manage to save 20% of the income.

    • Chris Vandernaald
      Chris Vandernaald 2 months ago +1

      You can do it man 👍

  • ReggaeEli
    ReggaeEli 3 months ago +3

    People complaining about god is literally about gods plan so when people claim god is fake it just makes me know that we believers must be strong in this broken world

  • tskjesusfreak
    tskjesusfreak 3 months ago +1

    I only need a $250,000 portfolio. I just need enough to pay the bills and a little bit extra.

  • Alpha Centauri
    Alpha Centauri 3 months ago +1

    my son is 4 i am allready investing in mutual funds stocks etc for his education marriage etc 20 years horizon

  • J George
    J George 3 months ago +1

    *You’ll have read it in one month.

  • Ms. Bryant Phillips
    Ms. Bryant Phillips 3 months ago +8

    Dave said “Rich people have wills and poor people have fights”. I have seen both happen and having loved ones fight instead of celebrating that persons life is the worst way to leave this planet.

  • 5StarFilmz
    5StarFilmz 3 months ago

    Love this guy

  • Laura Learning Everything
    Laura Learning Everything 3 months ago +1

    Hey Dave! Just wanted to share that I started your program 2 years ago. My husband and I went from $100K in debt to Baby Step 6 in less than two years. Thank you for sharing your wisdom!! xo

  • David Heine
    David Heine 3 months ago +3

    It really interesting to know this. When i was younger I made a lot of mistakes as a person but growing up I released i needed to step up on my game as though I was rich. I involved myself by trying to invest in Binary Options. As a beginner i never wanted to make mistakes so, I hired a funs manager who helped me grow my investment. As i write, my dream came through. I now own a house, 4 cars and i live in luxury. If i can do it anyone else can. try my funds manager if you want to grow your investment portfolio. albertguzman at tutanota dot com

    • Leo clay Ford
      Leo clay Ford 3 months ago

      I have always wanted to do this. Thanks David. i will contact his asap. cheers!

    • Courtney hilton
      Courtney hilton 3 months ago

      thanks for the heads up David. I really appreciate this.

    • David Heine
      David Heine 3 months ago

      Sure Courtney he is really reliable. I have been using his services over three years now.

    • Courtney hilton
      Courtney hilton 3 months ago +1

      It sounds really interesting. I think I will do this. I have been looking for a reliable broker online where i can invest my money. Hope your funds manager is really reliable? I have $80,000 i would like to invest. Trying to raise money for Christmas.

  • Jeffrey Richardson
    Jeffrey Richardson 3 months ago


  • Jeffrey Richardson
    Jeffrey Richardson 3 months ago

    Mike Douglas...

  • Rural Paradise
    Rural Paradise 3 months ago

    Good advice!

  • LV Teach Me
    LV Teach Me 3 months ago +1

    You're right. I learned this is the difference between how the wealthy and poor think.

  • Ualan X
    Ualan X 3 months ago

    I can think like a rich person all day long, talk like them, dress like them, as long as I dont act like them and as long as I am not motivated to get money or get "rich" I will never be one, rich but not of silver, still want to be a good steward of the resources available

  • dash4800
    dash4800 3 months ago +6

    The worst part about listening to Dave is he gets you really excited to start micromanaging your finances. And then you realize you don't get paid for another 2 weeks so there's nothing for you to do in the meantime but listen to him rant more.

    • Sam Webster
      Sam Webster 13 days ago

      dash4800 that’s what I’m saying! I get so hyped to pay off all my debt then I realize I don’t get my salary all at once. Slow and steady wins the race I guess.

  • smileyeagle1021
    smileyeagle1021 3 months ago +6

    The college savings one amazes me the most on how many people just don't get that. My state has a plan, that if you sign up your child within their first year of life, you can get a college savings account that guarantees 2 years of full time community college and 2 years of full time university for $250 a month for 5 years, about $15,000 total. Now, it is only valid at state funded schools, but that still gives some quality options, and even for instate tuition, you won't beat a bachelors degree for $15,000 anywhere (and again, that is guaranteed, it doesn't matter how much tuition goes up, this plan locks it in stone)... they'll even refund the full amount to us if our kid ends up getting a scholarship that covers tuition. They do have options for older children also, but the price goes up very quickly for every year your wait.
    My coworkers were baffled by the fact that on my first day back to work, I was on the phone to payroll to set up automatic payroll deductions for the prepaid tuition plan. How could I be thinking about that so soon... and all I could wonder, is how could they not? After a home, college education is one of the biggest expenses a family has, why wouldn't you think about it immediately?

    • smileyeagle1021
      smileyeagle1021 2 months ago +1

      +Isaiah Smith I'm not paying the state to save my money for me. I'm paying the state to hedge against rising tuition costs. Tuition is going up faster than my investments are growing. So, if you want tui look at it, I'm investing in an account with a rate of return of whatever tuition goes up by.

    • Isaiah Smith
      Isaiah Smith 2 months ago +1

      smileyeagle1021 so you pay the state your paycheck just so they can save money for you....
      Why cant you save your own money.

    • smileyeagle1021
      smileyeagle1021 2 months ago

      +tanL22 saving for college and saving for retirement aren't mutually exclusive... and if he is honestly against hedging against rising tuition costs (I've seen plans that will refund the difference if costs go down and guarantee that you won't have costs go up) then he is a fool.

    • tanL22
      tanL22 2 months ago +1

      1) Dave is against prepaid college plans. He's talked about that multiple times.
      2) Retirement and building wealth is more important than college savings.

  • Jus Rarsh
    Jus Rarsh 3 months ago +18

    Live on less then you earn.

  • RealLife Money
    RealLife Money 3 months ago +4

    I don’t like the the idea of TGIF and Oh god it’s Monday. If we don’t like our life we have to change it. Long term is very important.
    I was talking about retirement and someone said what if you don’t live that long? I said What if you do?! Haha
    Have the right mindset 😁

  • Libby Riggin
    Libby Riggin 3 months ago +2

    You are an amazing person! A few years ago my (now ex-son-law), told me if I teach Aliya (my grand-daughter) about God , he will make sure I will never see her again... I told him his true colors have came out. Later I bought a Bible with her name on it and pray for them all. Thank you for expressing your faith!

  • J D
    J D 3 months ago


  • Jennifer Davis
    Jennifer Davis 3 months ago

    👏 thanks so much Dave Ramsey!

  • Sergio Aguirre
    Sergio Aguirre 3 months ago

    Rich people leverage money to aquire assets that cashflow.....debt is leverage
    Consumer debt is dumb
    Business debt multiplies assets

    • Aleksandar Kolev
      Aleksandar Kolev 2 months ago

      @Sergio: Finally we can agree. in all points. In business world, the things are binary: evolve or die. The choice of CEO's matter because they could lead the company to success or failure. How they could handle the crisis.
      And yes. the most investors are too lazy to track the business operations. The problem is the most companies delivers report once per year, there should be reporting each quarter. Luckily the most things happens slow, and when red alerts is happening, you can prevent it.

    • Sergio Aguirre
      Sergio Aguirre 2 months ago

      +Aleksandar Kolev If all companies go bankrupt why would you invest in them at all? Makes no sense. CocaCola has done pretty well no? Cant remember them going bankrupt.
      The world is always changing and most businesses revolve around products that either change or cant. Those that cant or wont, die. GoPro is a good example....dominated the market, went public and lost marketshare to the Iphone and newer firms making similar products to them.
      Nothing can remain the same, businesses have to adapt to the market to stay fresh and relevant.
      Investing on autopilot is a good way to lose money for this reason. Stay active on how the investments are earning and what their market looks like. Most investors are too lazy to even track that.....they realize the losses too late and lose their equity

    • Aleksandar Kolev
      Aleksandar Kolev 2 months ago

      @Sergio: How you can trade stocks, if all businesses go bankrupt no matter what? There are no poor or rich businesses, there are good and bad leaders. However, there are events that are out of reach: like catastrophic event causing loss, or unexpected crash on the market. With debt, the things are making just worse. Even big businesses goes bankrupt, remembers Toy&Us, or 3Com.
      My parents have business, and I can tell you from first hand how using debt is very bad idea.
      At least businessman have control on their destiny, but the most shareholders are at mercy from companies. I use first rule for investing: never invest more than you can afford to lose. One CEO will rise the business, but the next one could bring down. I also buy shares of companies, but mainly not for trading stocks, usually main goal is to get dividend at the end of the year.

    • Sergio Aguirre
      Sergio Aguirre 2 months ago

      +Aleksandar Kolev Poor business people will go bankrupt no matter what. Investors know their is risk when giving businesses capital - the upside is worth the risk.
      The stock market is literally trillions of dollars of capital being sold/bought/traded based on business performance.
      If you dont understand how money works just keep it pushing.

    • Aleksandar Kolev
      Aleksandar Kolev 2 months ago

      And then Murphy law knocks on the businessman and the businessman goes bankrupt. Debt, consumer or business purpose, is good only if everything going by plan. But in real parents can confirm that when doing business

  • TIUlove
    TIUlove 3 months ago +3

    Hmm except I can think of plenty of rich people who’ve gotten in fights over wills... so that’s a bad example.

  • Tasia Larri
    Tasia Larri 3 months ago +3

    Assets > liabilities

  • fedoracore321
    fedoracore321 3 months ago

    Thought long term about going back to India and being a missionary. Those days did not have much. I was not a millionaire. Does thinking Long term for Christ makes some one rich?

    • fedoracore321
      fedoracore321 2 months ago

      Very true!! I wonder sometimes this American Dream is it Biblical in the first place? I do agree with Dave on not getting into debt and saving but the point where emphasis on becoming a millionaire is where I disagree.

    • A. P. Heffel
      A. P. Heffel 2 months ago

      fedoracore321 I don’t think a person could get a lot of money as a result of thinking long term for Christ.

  • fedoracore321
    fedoracore321 3 months ago

    Dave, how do I know that I am over working or I am working hard..? is there a test?

  • blackericdenice
    blackericdenice 3 months ago +6

    Smart people don’t read the bible

    • Dwayne Bailey
      Dwayne Bailey 5 days ago +1

      Keep that same energy when you finally realize He is your only hope.because life happens to us all, doctors can’t fix everything and there’s some problems only God can fix. Do not be alarm if you find yourself in a position where God is the only one who you can turn to. Keep that same energy!

    • NoIntentedPun
      NoIntentedPun 15 days ago

      Lol these religious nuts make me laugh. I wonder if they still believe in Santa claus??

    • Earnest Kegler
      Earnest Kegler 19 days ago +1

      Hummmm, I wonder how many so called smart people never made it to heaven? Hummmm.

    • 2inchfromtheground
      2inchfromtheground Month ago +3

      blackericdenice you have to be an idiot to be an athiest. How do you think we all got here on this planet? Oh yeah, we were a fish, then a frog, then a monkey and then a human. That makes sense

    • Arlene Forde
      Arlene Forde Month ago +1

      A relationship or non relationship with God has nothing to do with whether someone is smart or not.

  • quinc g
    quinc g 3 months ago

    so im 20 years old 2 credit cards 3k in debt. should i close them and pay them off and just pay in cash?

    • Kurtus Doss
      Kurtus Doss 3 months ago


    • yoked up get big
      yoked up get big 3 months ago


    • rosen380
      rosen380 3 months ago

      Are you likely to use credit cards as merely a convenience that comes with some minor perks or will you use it as a way to buy things you don't actually have the money for?
      Either way, pay them down ASAP as who wants to pay the interest when they don't have to.
      If the former,then I'd say pay it down ASAP and enjoy any benefits you see from using the card over cash. If either card has an annual fee, I'd probably ditch it anyways -- there are plenty that have no annual fees so why choose to pay one?

    • dobattlers
      dobattlers 3 months ago

      quinc g lol no why would u ever do that. Just pay them off and use them responsibly

  • IslandGalOne
    IslandGalOne 3 months ago

    😂😂 You're mad funny Dave.

  • DeathRowToDisneyWorld
    DeathRowToDisneyWorld 3 months ago +64

    I have a Masters Degree in D.U.M.B. Glad I finally dropped out of that program!!!!

  • Andrew F
    Andrew F 3 months ago +5

    Checkup from the neck up, baby

  • Andrew F
    Andrew F 3 months ago +13

    I have a relatively high paying job and definitely take a long term view of finances investing.... yet I still think “thank god it’s Friday / oh god it’s Monday” haha

  • Slikcvic
    Slikcvic 3 months ago +23

    Wealth= The amount of time you can live/survive without working. You're welcome 😉

    • Slikcvic
      Slikcvic 3 months ago

      You'll be a wealthy employee who doesn't need to work but wants to work

    • Tsar Peter I
      Tsar Peter I 3 months ago

      Slikcvic I want to be wealthy and be like a poor person a work

  • M D
    M D 3 months ago

    Commercial video :(

  • crazywhoosier
    crazywhoosier 3 months ago +34

    Dave when my kid was born i immediately opened a 529 and a savings account for them so their college and future needs like cars, or home deposit will be supplied by me. So he will be better off than me.

    • Jessica Ramirez
      Jessica Ramirez Month ago

      College and car is reasonable but down payment for a house? That’s a little much, let the kid learn to make his own financial decisions and save money for a down payment. But whatever not my kid lol

    • crazywhoosier
      crazywhoosier 2 months ago +4

      +Benny He will not do that me and his mother are the only ones authorized to release funds. HAHAHAHA

    • Benny
      Benny 2 months ago +1

      Lol, your kid will take that money and buy himself a fancy car at 19. I've seen it before.

    • crazywhoosier
      crazywhoosier 2 months ago +2

      +Erwin Ahlers I don't know but, if they don't they will have options maybe they want to go to culinary school or become a HVAC repair and may need to take some classes. I'd rather front load the education of any kind instead of needing to take out loans later. also An interesting side note is that if the beneficiary gets a full scholarship to college, the penalty for taking the cash is waived.

  • Arlene
    Arlene 3 months ago +6

    There are a lot of people who work very hard and will never become rich. There are also a lot of people who don't "woo hoo" spend who are broke.

  • Elite Clinical Research

    Long term thinking is for winers

  • girish gaikwad
    girish gaikwad 3 months ago


  • Stacy H
    Stacy H 3 months ago +38

    I like Dave's biblical references and his advice. Even if I don't believe in God, I can still listen and learn..people who are offended by that are too mentally limited to ever benefit from Dave's information anyways!

    • bmo
      bmo Month ago +1

      It's amusing that otherwise intelligent people believe the outlandish superstitions of their religion (actually their parent's religion).

    • Classic Tycoon
      Classic Tycoon Month ago +1

      +bmo Why is it amusing?

    • bmo
      bmo 2 months ago +1

      I wouldn't say i'm offended by religious references, but i do find it curious & amusing.

  • GrowTent Revolution-California

    Who are the 19 idiots disliking this video? 🤔

  • caseih 5130
    caseih 5130 3 months ago +6

    Some poor people think long term when mom dies I will be rich LOL!!

    • caseih 5130
      caseih 5130 3 months ago +1

      It is true a guy told me this when I was telling to start saving money and get out of debt. But complains about living pay check to pay check and that is his 401k plan it is very sad.

    • Section8 millionaire
      Section8 millionaire 3 months ago +1

      ouch... thats bad.

  • Ali Abdel-Jaber
    Ali Abdel-Jaber 3 months ago +2

    What’s a Jews piano?

    A cash register😭

  • jdmchriz
    jdmchriz 3 months ago

    How long have you been using Tobacco in your lower jaw Dave?

  • jfish147
    jfish147 3 months ago

    other than proverbs verse, this brought no value to me.

  • I don't want a channel I'm just commenting

    A will let's a lawyer make money when you write it and when its executed.
    A family trust let's the lawyer make more in the beginning and less overall.

  • julie d
    julie d 3 months ago

    I'm diligent. So I am rich😀

  • Truth Exposer
    Truth Exposer 3 months ago +36

    Poor people save. Rich people invest. So I guess I'm poor lol

    • Michael Scholz
      Michael Scholz Month ago +1

      You save to invest. Period.

    • Chris Vandernaald
      Chris Vandernaald 2 months ago +8

      Heck poor people don't even save.. they spend it all and wait for payday

    • muckymucks
      muckymucks 3 months ago +5

      Save your 6-months emergency fund then you can invest without it breaking you.

  • Matthew Claiborne
    Matthew Claiborne 3 months ago +117

    All I do now is sit around a wait for Dave Ramsey rants.

    • Iris Abrego
      Iris Abrego 11 days ago

      Me too! 😉

    • Trudy Ann
      Trudy Ann 14 days ago


    • Daniel Murrill
      Daniel Murrill 27 days ago

      +Franky Baby "that makes you rich."
      I fixed your typo. Your welcome :)

    • Franky Baby
      Franky Baby 3 months ago +5

      that makes you a loser

    • K H-C
      K H-C 3 months ago

      ...and Dave Reads Mean Tweets. My kiddos LOVE those!

  • Mary Gibilisco
    Mary Gibilisco 3 months ago

    Did the checkup, picked the first credit company, answered all their questions to get a screen saying they don't do it online. Then it says I have 12 months to wait to do it again for free. NOTHING GOT ACCOMPLISHED.

  • Tracy's Kitchen and Appalachian Adventures

    could not agree more.

  • S F
    S F 3 months ago +244

    I wish I would have heard about Dave 15 years ago. But better late than never

      IRONMAN IRONMAN 2 days ago +1

      Everyone gets up fool's hill at their own pace,,seems to have taken me forever,,but money piles up when you're debt free

    • birthofthacool 82
      birthofthacool 82 7 days ago

      + S F you and me both buddy.

    • Trudy Ann
      Trudy Ann 14 days ago


    • renee Johnson
      renee Johnson 15 days ago

      I agree! wish I would’ve known him 30 years ago. It’s sooo funny. I’ve been using the term, “ I’m tired of doing stupid.” Before I heard Dave saying this. Sooo funny!

    • Vae07
      Vae07 Month ago

      +L. wick
      How long did it take You?

  • The Bearded Uber Guy
    The Bearded Uber Guy 3 months ago +7

    Thank you for your continued content Dave. Long Game Always

    • Quenna Savage
      Quenna Savage 3 months ago +3

      This has nothing to do with the video but I freaking love your avatar or whatever you want to call him. I picture him doing the Carlton dance! :)

  • D Liu
    D Liu 3 months ago +21

    Not to be a smarty-pants & I don’t ever disagree with Mr. Ramsey because he is way above me, but diligence does not mean excellence. Some people can do things well, some just can’t. But, diligence means “careful and persistent work or effort. synonyms: conscientiousness, assiduousness, assiduity, hard work, application, concentration, effort, care, industriousness, rigor, meticulousness, thoroughness...” (thank you google search). Everyone can try. Everyone can make an effort.

    • L. wick
      L. wick 2 months ago

      D Liu I can see your point. Is more than working hard. Actually I was listening to Bob Procter last night and he was talking about that. Is more, I don’t want to type because it would be a lot to type.

    • Twana H
      Twana H 3 months ago

      +Irene the Dryest Maybe that's why "excellent" was placed in quotes... I think we all got the gist the comment. 🤷🏾‍♀️

    • Irene the Dryest
      Irene the Dryest 3 months ago +1

      +D Liu Not to rip, but people with handicaps can't just be "personal bests" that's an insult. It subconsciously means that a handicapped person could not be as great as a person without one. When there are lot of excellent handicapped people like Beethoven, who was deaf, or Stephen W. Hawking, etc. ?

    • D Liu
      D Liu 3 months ago +2

      Antank I would, yes, you’re right. I was being kind of knit-picky I guess. I was thinking of people who have some kind of learning disability or handicap that keeps them from being “excellent” like a person without hindrances. But everyone can be their personal best - and that does take diligence! ^_^

    • Antank
      Antank 3 months ago +3

      I completely agree you, but wouldn't you think that if someone does something long enough they would get better at it and eventually get excellent at said thing?

  • The gardener
    The gardener 3 months ago +2

    Everything is a trick to get your name, address, email, phone number, etc. Forget it.

  • Practical Business Tips
    Practical Business Tips 3 months ago +89

    The key is to get rich slowly. Make good financial decisions over a lifetime and this will increase your probability of becoming wealthy. Get rich quick schemes will often bring heartache.

    • Robert Olivares
      Robert Olivares 2 months ago

      The conversation is not about getting rich, it's about making good decision with your finances so that you will not have worries, headaches , disappointments about money in life.

    • Andrey Kanareyka
      Andrey Kanareyka 3 months ago

      Rich and wealthy are two different words (and colors).

    • Clarissa McPigeon
      Clarissa McPigeon 3 months ago +2

      The only sane way you can suddenly "get rich" overnight is either by a huge lottery win or massive inheritance windfall.
      The other ways to "get rich" are to build a large, profitable business and invest any income or proceeds into other things which can generate you income. For example, you're a corporate executive earning $1m a year - you should not be going out and buying helicopters or a gigantic house that's 10x larger than what your family actually needs.
      Don't try and live like a billionaire on a millionaire budget, because that will end in disaster. Live comfortably, not lavishly. Invest every spare dollar into other assets, such as property, stocks, real estate etc.
      You can give yourself an absolutely huge side income and at that point work becomes more enjoyable. That's part of the reason why so many tycoons and the super rich work until they drop - it's because work has become a hobby as they don't need the money, so they are happy to keep at it.

    • Practical Business Tips
      Practical Business Tips 3 months ago +2

      Super T Rev
      You were referencing Proverbs 13:11-13 "Wealth gained hastily will dwindle,
      but whoever gathers little by little will increase it."? If so, I fully agree with this proverb and recognize that my comment is not original.

  • JellyBean xo
    JellyBean xo 3 months ago +11

    I love declaring that we’re wealthy. And I love being generous. It’s what makes us rich.

  • MishuTaste
    MishuTaste 3 months ago +32

    I've based my spending decisions on, "Woo hoo!" before.

  • Dylan Roberts
    Dylan Roberts 3 months ago +5

    I know exactly what the oh god it’s Monday thank god it’s Friday is like. I feel like I’m stuck and I don’t know how to get out. I’m 25 and I want to do something that I will enjoy. I’m wanting to get my real estate license.

    • Arlene Forde
      Arlene Forde Month ago

      Go for it! You got this!

    • Karen Kramer
      Karen Kramer 3 months ago

      Dylan Roberts, generally if you like what you do, you will do good at it. I love real estate and I did good at it. Start off being an agent. Then start buying houses. First one, of course, for you to live in. Rent a couple rooms out. Then buy your first rental house. Then buy another house and do the same. Then later on you will not have to work at all except managing your own properties and collecting rents. In 30 years those mortgages will be paid off and you even make more profit.

    • dobattlers
      dobattlers 3 months ago

      Dylan Roberts got it. Well take a look at my other comment about doing something you enjoy. If you work harder and experience more failures and awkward situations than most, you will eventually get to a much better place.

    • Janet Hockey
      Janet Hockey 3 months ago

      Find someone brokerage firm and buy them out when they retire.

    • dobattlers
      dobattlers 3 months ago

      You get out by not having weekends. Start your hustle on saturday and sunday and at nights. You work now like nobody will so you can live like nobody can in the future. Or you can stay in the rat race helping create someone else’s dream

  • ADMA
    ADMA 3 months ago +5

    Lots of religious comments in this