Video size: 1280 X 720853 X 480640 X 360
Show player controls
I don't appreciate his political rants though!
This has really helped me. I'm absolutely fed up with being in debt!
Thank you for the secret Mr. Ramsey I'm on my way to become a millionaire when I retire🥰❤
WHAT IF YOU'RE 50 AND TRY TO START SOMETHING LIKE THIS!!??? I have done something i should've done .......... YEARS & YEARS AGO ..... I've manage to save $1,500 (plus as I'm catching more hours a work) , ive NEVER saved from this day going BACK!!!! So this is HUGE for me to have $1,500.
It's sad that guys like this assume the average person makes 60k a year. Not all of us went to college bud. Or can afford it.
I loved his book. So many great things in it. amzn.to/2lcLysH in case anyone is interested. He also has a great budgeting tool at everydollar.comI use it as the app, but site works great too.
18:45 to 18:55. I'm sorry to say Dave, but no...females ..women are NOT smarter than men on the subject of financial security given it's a FACT that literally MOST of all student loan debt in the USA are contracted by females and LITERALLY....MOST of the degrees or programs that females go into involving college student loan debt is in BULLSHIT such as sociology. psychology, and even worst often is liberal arts ...gender studies and feminism ( facepalm). Now, the actual REAL.women...the smart ones..go for medical field education programs involving nursing or xray technicians, doctrines & phd's to become doctors and surgeons. Even NURSES are FAR more job market valuable ( in EVERY CONTEXT btw) than some assclown pretending she can cater to your feelings while pushing her feminazism agenda. Most men, and I'm not talking about these feminine acting soyboy cucks and idiot simps ( simp stands for SExually Immature, Male Prostitute btw), get degrees in USEFUL fields of job market-connected education such as welding, engineering, medical field to become doctor's and surgeons, autotechnicians, or any other REAL trade career that will always be in demand regardless of what technology dictates from one decade to the next. So..NO..Dave...women are NOT smarter NOR wiser in the context of financial security ...by in ..large..when you look at the historical facts for the past 20 years across the nation.
I'm very grateful to have grown up with parents that listened to Dave Ramsey's radio show. In a week, I will be 21 with a car that I bought in cash and no personal debt. I have $3,500 in the bank, but am working on getting that $1000 cash emergency fund.
If you have 3500 in the bank, you already have Baby Step 1 completed..Just do with that 1 grand how you wish involving having quick access to it be it leaving it in that bank account, putting it in a different one, or just yank out the cash and stuff that grand into an envelope labeled emergency fund, and hide it somewhere only you know aboutThat leaves 2500 to go towards baby step 3 ( full 6 months of living expenses). Congrats gal. You're kicking ass
I found Dave Ramsey last year. Which i was 37. Im struggling thought this life. I have been wanting to call in talk to him. But im trying my hardest fix what i mess up.
Do you Know what Mortgage Means? Agreement till Dead. You think you own a house cause you pay for it...well, stop paying property payment and see what happen next..
I finally found him😂 i hear my dad always listening to this and im just like hmmmm whats this even about
How do I know how much debt I have? I know that is a stupid question. I own my house, but in my early 20s I had like a credit card or two I let go and recently two years ago I totaled my car and my birthday was the day before the accident. I work third shift and forgot to renew my license, so my insurance company said I did not have a license at the time of my accident, but I have not fought it yet. Anyway, I was just curious when he refers to starting to pay off debt. I need to know what are my debts and then from there I can start the ball rolling.
I got massage sir
Well..I suppose you felt better from the guy or girl's hands on you eh? " massage". Dave gave a " message". Sometimes, it can be a different thing..and other times from a woman..it can be the same thing....a massage..sending a message xD
blows my mind how people talk about this guy when hes right. it's all common since.
Man I wish I had seen Dave’s videos before getting in to this 60k truck that I got 6 months ago now I’m stuck with it and I’m having a hard time paying it
How are you stuck with a vehicle you can still sell? In every single one of those exact calls to Dave, he always tells the caller given it ends up being the same "value of the vehicle" situation..that to sell it, borrow the difference if needed, and pay back that borrowed difference loan ( which is ALWAYS....FAR...cheaper and faster to becoming free from the long term higher priced debt of that brand new vehicle than otherwise), and THEN..buy a 2 to 5 grand used car and take it from there.Now as far as pickup trucks go, trying to find one for less than even 8 grand is hard these days ( as far as trucks that haven't been ran to hell and back into the ground with 400k + mileage). So if you're HAVING to have a truck, meaning literally you use it from DAILY hauling and towing work to make living, then your price range might be a little higher than a beater/cheap car. How much higher is hard to call though.If there is another option I'm not aware of, I don't remember it at the moment. All good vibes meant. cheers.
Don’t like evangelicals but Dave’s financial advice should be a religion
You're not only Awesome, you're more than that! You're an Awesome Blessing!!! An Awesome, Humbling, Blessed Man!
Most men are broke because of women, work hard, save, dont ever get married to a broke broad! Bad credit! Etc women dont save like men Most cc debt is carried by women. Purses, clothes, shoes! Etc!
Baby step 5 only works if you have your kids from 0 to 18. Speaking from someone who adopted our children, if they are already 12 and 13 years old, this will not work. Yeah, it sucks. I wish i had foresight because i could not save for my kids college.
They can learn how to work. 12 and 13 years old is plenty old enough to start mowing lawns/lawn care work, babysitting kids and/or neighbors dogs, washing cars, shit like that. They can start the baby steps just like us adults, but you could alter how that works if you're solid on taking care of the household like a successful parent should be.Does a 12 or 13 year old kid need 1 grand just put aside for emergencies only? I'd probably say no. What emergency could a KID have? wwaaa my iPhone 20 broke. I need a new one. " NO...katie...ya don't. Buy that $200.00 ZTE 5.5 or 6 inch 1080p android phone and suck it up buttercup...you can drain your mentallity away on trashbook just as well on android as ya can on iOS."So...given that they really don't even need to deal with baby step 1, they can get used to just saving literally 1/3 of every time they get paid for college...by the time they're 15 or 16, they're old enough to work at the grocery store being a cashier, bagger, stocker and make some more consistent money at minimum wage or possibly higher. By the time it's time to really look at paperwork and plan on the college attendance, ...IF...those kids STUCK to the plan of saving 33% of every paycheck..they will have already established the right financial management habits needed as a REAL life skill to stay a float in this harsh world...and they will be able ..chances are ...worst case...pay for each semester as it comes..even without a scholarship.But, most kids that grow up successfully adapting the mentality of " paying yourself by saving" often end up making the great grades TO receive the scholarships and grants. Often, it's a natural human package of success.Regardless, it's not like if you want to that you can't start helping them save up for college by matching their own cash or whatever college saving contributions ( like 1 dollar for their every 3 or something like that). Cheers.
Thank you so much
I will be debt free tomorrow after I pay off $3,500 student loan and $1,000 in credit card debt. Oh, the smell of debt free. F/O student loan, F/O credit card, F/O Kohl's credit card. Bye, bye. Empowerment here I come!
I cleared step 2 May 17 2019. I already have over another grand built up working on Step 3. It feels FUCKING GREAT!! I feel like Macho Man in his prime ( obviously without the steroids though lol. OOOOOOOOOOOOOOYEEAAAAAAH )
Is there an app that is preferred for Budgeting??
The Lady Inquisiteur Everydollar.com is made by Dave Ramsey's company. I've used it for three years and love it.
Being debt-free is awesome! The less debt you have, and the fewer payments you have, the more freedom you have to do good for others around you. It gives us the power of choices: e.g., if I do not like my job, I can get a new one, without fearing the future; e.g., I can start the business or charity or support the cause that I want to see grow in my community.
Debt free tomorrow.
22 and joining this wagon!!! Thank you Mr.Ramsey!
Same here brother
Ej_ L early 20’s crew yassss I am 21
Use to have the wrong mindset until I discovered Dave's method. I can honestly say this should be taught in every school. His knowledge on finance is incredibly helpful. Thanks to him I'm paying my debts wayyyy earlier than I ever imagined! I just have $2000 left and getting it done this month! I can't wait to be financially free!!!
I know the importance of having a emergency fund cant believe how my jar full of change and saving every five dollar bill got me there
12 minutes in and I'm LMAO!!!!
This same enthusiasm hit me when I decided to quit drinking. When I was done drinking. Nothing was going to stop me!
Young people please listen to this man! I am 77 and in debt . Because I did every Dave said not to do.
I didn't know that Mr Dave Ramsey was such a rockstar. Love him
Super Saiyan Blue Dave Ramsey Unleashed!!
Kaioken x20 ss blue...
What kind of interest is is on a roth. Not sure how $240000 can build over $5000000 . I would think maybe half a million or even a million at most. If someone can explain how it would build to $5 million or move let me know that be much appreciated.
A roth ira is NOT taxed on the growth. That's the primary reason why it usually ends up far higher in overall monetary individual value when it's time to slowly start drawing retirement paychecks towards yourself. Beyond that I forgot if there are any other details.
I would recommend a 1 year emergency fund not a 6 month. I been out of work for 8 months before so year will be better 2 yrs even better. But start with the $1000 and grow to 6 months to start with just don't stop growing the emergency fund.
Didn't touch a single instrument but still got the ovation of a rockstar.
ironically, i used the picture frame to save money for a time. life hit and i had actually forgotten id done it. found it when desperately needed it. so irony paid off just called it the irony due to the laughter in video over woman doing it that way.
When I think back On all the crap I learned in high school, It's a wonder I can think at all. And though my lack of education Hasn't hurt me none, I can read the writing on the wall..#DaveRamsey #The Borrower is Slave to the Lender
Huge thank you for sharing this video, Alex Gayer :)
Tim Holmes You're most welcome. Changed my life and perspective too!
25 years old and this man has changed my life by viewing my finances differently than the rest of people
u might get a Heart attack Intense if u don't fucking stop that screaming...
I went a bit crazy and spent more than half of money I got from a WILL. Now I’m going to put it all back ASAP somehow and use that money for a mobile home
hey if you and your wife file seperate taxes...you could both have ROTH irs and put in 4000 a year....and invest the rest in money market...and 401k but each having your own ROTH , 401k and MONEY MARKETS..so at retirement you both have double the money..
@Willie Hawaii you can put 6,000 a year into a Roth now!
Call Me Betty at 189,000 dollars. I don’t think most people have that issue
well i was not sure, if you were married, you had to have a joint IRA, so that you cannot make too much money. a kind of wall, to stop smart people
Why? It doesn’t matter if you file separately or together. The Roth IRA is 5,500 per person; not together. The same with retirement accounts
in one of ramseys vids i commented why i am watching them. but i should of retired at age 35 with 15million dollars. but i got married, and let the spender wife make lots of debt..now i am watching this to one, make her happy now she is on this budget thing..finally..and now TWO...to figure out how to get back to that 15 million plan before age 60...cause i want to retire with some life left in me...not on my death bed.
"If we were doing math we wouldn't have credit card debt"... AWESOME!!!
Damm he got old
Happens to the best of us. ☺️
Is the esa 2000$ per family? Or $2000 per child?
Peach it Dave. I know of no one who’s passions about helping us loser stupid debt people. If you get offended listening to Dave, you need to take a self spiritual check.
The good news is I'm 15. The bad news is I'm only watching the video for ten dollars from my mom. If you watch this then watch motivational speaker of Just Do It, then you'll feel motivated and good about saving!👍
Alexis banks keep it up. Im 30 now. Started 401k at 26. If instarted this at 18 WOW!Only been listening to Dave Ramsey for 3 months. In 3 months a very large change in my savings. I have always been against credit cards because im cheap. I'm not paying someone $1800 for me to soend $900. Not doing it. But I was spending everything I made
I have roughly 6,000 in credit card debt & 13k from school loans. I have just graduated nursing school and a good friend of mine that is an experienced icu nurse told me to watch this. I haven’t seen a nurse check yet, but when I do I’m going to use it wisely. I am doing this to see my progress, I don’t have a timetable on when I will pay it off, but I will do it in the littlest time possible. I hope this motivates and inspires you. I’ll keep you posted
Love it! I'm in a similar situation so for I've paid of $59,000 and am working on the rest I graduate as a Physical Therapist in December.
I found Uncle Dave Ramsey 2012! I wish I listened earlier. Baby Step 1
Yes, i learned how stupid my husband was to listen to liars like Dave about giiving a 10 th of our income about 25 years ago. Unfortunately, my hubbie is still deceived. I think Dave Ramsey is nothing but a chubby bald hirelinh!
What if the smallest debts are 0% interests? What’s your advice on that? I have $1800 on 2 credit cards with 0% interest. One is $900 and the promotion is ending in September and I have until next year to pay off the other one of $900. Should I skip these on Step 2? I’m thinking on saving the rest of what I make for the next step while these promotions end. It’s only taking $228/month to satisfy the promotion being paid off in time.
Baby step 1 Done!! On to baby step #2, wish me luck guys 🙏
Still working on baby step #2, it's kicking my but but I'm working on it!
@baby Mend I'm running man. I'm running like a gazelle.
No luck!!.. Focus, at Gazelle intensity !!! Runnnnnn 😄
FPU is the best thing! It means freedom!! On baby step 2, all cards gone, next thing is my Toyota!!! Thanks Dave!
I paid off $80 thousand in student loan debt. I’m starting all over again.
Thank you Mr Ramsey.
More Dave Ramsay incorrect financial advice. Like 2008 when he couldn't understand what the drivers were for real esate price increases or recognise what would cause the decreases.
@Aspen Love No, but plenty of power drunk idiots have an audience with thousands watching them. Have you seen this guy's record of failures?If not then try this - tvclip.biz/video/S98_eMax9xo/video.html OR tvclip.biz/video/ZladO06LVNI/video.html If you want one try some guy with plenty of followers who are hooked on him but are delusional try somene like John Edward (the psychic), the guy who consistently dupes gullible people into believing they can contact the dead though him. he has so many followers but you have to wonder why. All true believers who have a some psychological problem they need proper therapy for yet have sadly not sought it.Would you want to be just someone with those types of followers? Are you one of them ? If you would think the number of followers is some indication of their knowledge or competence you are sadly mistaken.
Rob do you have an audience with thousands of people watching you
best advice for men that I can give, don't get married .
And for women too....at least wait to get married and have children until you are definitely financially, emotional. Mentally ready....even then, make sure your mate is on the same page you are...
Get on a budget. INSTANT RAISE!
that is my thinking yeeha so I am not crazy just saving for the Emergency insurance plus when I need invest in my business I got it this gay is so right I love this kind of mind.
I feel like I’m in a Baptist’s Church and someone handed him the wrong book to talk about. Great video
Accoring to all the comments here im lucky to be here at 19 with no debt but im so confused i know nothing about this can somone help me pls 🙏 Thanks in advance
Look up the Dave ramsey radio show 800# and call him directly and ask him... he takes all kinds of calls life.I wish I did this your age.Good look!
Damn this guy's good!
I think old Dave never wanted to be a financial man. He wanted to be a southern preacher. These are likely all good points but no way I could listen to more than five minutes of this
Thanks Dave Ramsey now I have 12k In savings. I have a budget now.
I have 50k
Wish i have heard this in my 20s...I am 38yrs, in debt and broke😭😭😭. One step at a time...
SaME!! but, 37! May this year be the year we see and execute some change, my friend!
Great information but this dude damaged my ears
My favourite of all Dave teachings on how to manage your money click here - tvclip.biz/video/wSgbY0NBhZM/video.html
Little things can really add up and reduce a lot of stress. Realized I'd save $80 a year if I paid car ins. in full every 6 months instead of monthly. Saved another $5/month putting phone on autopay; doesn't sound like much? Think of it this way....pay 11 months and the 12th month is free. That's what a measly $5 in savings a month really is. Saved another $6/month putting electric bill on autopay. I took it even farther last fall and averaged out usage of household supplies, etc. Then I searched the best deals on amazon, shipped free. Example: I do around 156 loads of laundry a year @ 3/week. Arm & Hammer 196 count pods with Oxiclean delivered=$19.72. I did that with Cottonelle toilet paper and all kinds of stuff in December. It was so great to start 2019 knowing those needs are met, I saved money, and I have no need to ever stand in line at Wal-Mart this year. The hidden benefit is I really saved an untold amount with all those extras you inevitably buy that were not on your list in addition to the time and gas. I am so pumped. All I have left now is $800 debt and $100,000 on my house which I'm going to attack with every tool possible. 3 more years is the goal; I'll be 50 and all my income will be MINE not the banks!
You go girl!!!!!!!! Let me know how you are doing!!!
What do I do if I don’t qualify for a Roth,?
Look up Primerica
Paying off student loans in 24 months? Lol, isn't that cute
step 5 28:17 save for your kids college education
Lmao thats exactly what i was thinking, 'thats a real neat chart if I were 19'
Excellent information! Made me change the way I look at and handle my finances...
It really bugs me when people give credit to god for something that is just a quality of the best among us. A truly generous person will anonymously give, but god didn’t do that! A beautiful human did that! When an operation saves your life, it wasn’t god! It was an amazing human who spent the majority of their life in school and in practice learning how to save your life! Humans get the credit for all the bad we do, but not the good.
Chris S it is God who gives Humans the ability and the know how to perform life Saving surgeries. It is God who gives life and enables us to work so that we can receive money in order to give or bless others. Without God none of us would exist he breathed into us His Breath the Breath of Life. It is only through him that we move live and have out being. With all due respect It is God who does these things.
Any investment plans like these in Ireland ?
This isnt bad advice but it is near impossible to obtain a fund that averages 12 percent return also if you are using a professionally managed fund they charge 2 percent fee and also you gotta factor in the cost of inflation
Life changing advice, really. So simple, yet no one teaches us this in school
Ended 6k debt in 4 months using this. Amazing. And I can’t think of many times I’ve felt more proud of myself. It works. Do it.
40:56 Yeah, work your butt off and then not take credit for it. instead; give the credit to an entity whos existence isnt supported either logically or with credible evidence. For such a smart man, he seems pretty stupid when it comes to the death cult called christianity.
Time to get rid of this 77k in student loans. My wife and I have agreed to never have another credit card and never borrow money ever again.
Dave Ramsey will only get you out of debt and thats where it stops. He will not help you get wealthy. We all know that working 9 to 5 and saving every penny of it will not get you there.There s good debt and bad debt but he doesnt believe in any. Since most ppl who get wealthy use debt to get there, you will most not get wealthy if you follow all his advice. You need debt to start a business. You need debt to buy an apartment building that will cash flow 5k/month. Be careful with Dave if you wanna get wealthy.
Its double time now🤑
Should I pay on debts I have in collections since, using dave ramsey's steps, I won't have to focus on fico?
@Alex Gayer gotcha thanks
mightySILVERBACK Make sure your "4 walls" are covered: food, clothing, shelter, and basic transportation. Then hit up BS2 with the ones that are current, but push the collections back a bit. You should still resolve them in BS2, but you want to avoid new delinquent accounts. See if you can't negotiate a lower payoff amount and have the cash ready! I would save the money for large payoffs during BS2... You don't want to move on to BS3 until you're consumer-debt free. 👍
I’m 23 and learning now! I love it 🥰
Me too. Knocking off my debt ASAP. I am on Baby step #2
Im seriously going to teach my kids about finances. I really wish they tough me this when i was in school because this is actually a main priority knowing how to manage your money.
I bet ppl could save a ton more by learning that there is NO LAW that says you have to pay tax on LABOR. The IRS is ripping us all off & ppl don’t even know the laws bc they haven’t looked themselves.
Yes zirrr its crazy that people are so brained washed now a days, a little bit of research goes a long way. But yup your right. good to see other people that know whats up.
Baby steps! Yes. There is a process that is unique to all of us based on our individual circumstances. There’re some people who can’t find the way to save because they weren’t taught how. It’s important we save but more so that we aren’t holding on so tightly that we don’t trust God not to provide for us. God says, "Therefore I tell you, do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more than food, and the body more than clothes? Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they?" Matthew 6:25God wants us to know that He provides for them and wants to do the same for you. We must be willing to seek Him and not the world.
He sounds like he is preaching religion. Savings = salvation debt = sin and credit card = satan
The woman is the nest builder. Women do love security....he's right on that one.
Everyone likes security who likes insecurity???
Avg house payment $700? Sounds great. What planet is that?
Tough to save 200k. Especially when rent on apts is 1500/month or so
Rent cheap, save and put down 50% on a house.
30 grand down
Sounds like you didn't save enough to put down. The more down, the lower the month mortgage.
I was going to say the same thing, lol
I just received his book "Total Money Makeover" today. I'm ready.
My first message was supposed to say that the car insurance Company charges $6.50 on every payment if you make installments.( I need to learn how to text correctly LOL)
I have done everything you have suggested. At one time I owed $3,000 to $9,000 on three separate credit cards, a car payment, not a penny saved and barely enough to make the monthly payments on everything I owed. I put a stop to it!!! When I purchased a new Jeep I made up my mind I was going to pay that loan off as soon as possible and put an end to this madness of living paycheck-to-paycheck. I put every extra penny that I could scrape up and paid off my Jeep. It was a 60-month loan and I paid it off in two years and 9 months. Then I put the car payment money and any extra money I could come up with on the credit cards one at a time and then when I paid everything off I started saving for a rainy day and now I have $5,000 saved and do not owe anyone a penny and my credit score is up to 838. I also an extra $10, $20 or $30 on my electric bill and cable bill every chance I get to build up a large credit balance. That way if something comes up out of the ordinary that I need to pay I have the money to pay for that expense and can skip my light bill or cable bill that month. I also pay my car insurance bill in full every 6 months and therefore I save a lot of money that way because they want to charge you $6.50 car payment if you do not pay the full amount at one time. They are not getting my money. Is bad enough paying the outrageous premiums to start with. It feels so good to know that for the first time in my life I don't owe anyone anything. I also do my own nails and have been cutting my own hair for 35 years and everyone compliments me on it. I do everything I can to save, save, save!!
Very inspiring, I am so proud of you and happy for you, keep it up!!!!!
Sheila Carter great job
My 2018 new year resolution was to pay off my $13,000 Student loan debt. In 10 months, I was able to pay off Sally Mae! The biggest change I did to make this happen = created a budget/planner and worked on my plan on how to delegate my check every 2 weeks when I receive it. Each dollar had a designated place. Life wasn't a struggle either, still lived my life. I only had one job in 2018 and made an average salary of $35K a year. By the end of 2018, I paid off $25,000 towards debt. You can do it! It is so much easier than we all believed. Sit down and write down everything you owe and need to pay for, bills, debt, interest rate, interest deadline date, bill due date, and rent. Then play the distribution game when you get your check: every dollar has a place to go.It made such a difference when I had a financial plan with all my bills and debt. Later, I found Dave Ramsey in 2019. Been watching all his videos non-stop for a week now. Wow. I hope everyone could feel how great it is to no longer have student loans or debt. I'll be working on videos that breaks down everything I did and expose my numbers and excel sheet template. Let me know if anyone would even be interested :D Good luck everyone!
Jade Lively I am very interested in your video ideas. 💕
Wow so you lived on only $10,000 that year. Cost of living must be cheap. I live in California and that wouldn't be doable.
Jade Lively I’m interested in sheet please send
Girl sent it to me
I'd love that excel sheet template and your method.
it wil take big work to understand everything said there