I always looked at the 401k like a payroll tax. I always only looked at my after-401k income as my income. They also missed out on the tax benefits.

That goes without saying always invest up to match at the minimum. Next time use your own brain. Dave Ramsey is for profit.

Dave Ramsey is there to convince responsible, moral, upstanding people in a bad situation to pay usurious interest to predatory financial companies. I would not be suprised if they keep him afloat somehow. Thats fine for some minor to moderate cases, but just remember who the fat cats are soaking up that 29.99% interest rate for 5+ years while you're eating rice and beans, working 16 hours a day, driving a $500 1997 toyota. AND NOT CONTRIBUTIING TO YOUR 401K. 😡 In some cases, this is terrible advice designed to keep you on the hook while untold numbers of terrible people and losers file bankruptcy every 7-10 years, just to take out more loans at ever higher rates. Always consider your options and circumstances. Don't just take his word for anything.

Happy Thanksgiving 🍽️🍽️🍽️🦃🦃

❤

There are new "old style" appliances still made. The less digital a product is, the easier it is to repair. Less expensive too. 😊

Simple practical advice. Thanks 👍

I started my natural cleaning journey when I read the wonderful book ‘clean house, clean planet’ by Karen Logan. It has recipes for cleaning products. I have given this book as gifts many times. It is also at the library. Love your videos!

I started out using his method also. Then started learning about leverage. So now I have a credit card for all my auto payments like Netflix, cell phone, insurance etc. I pay that off every 2 weeks. I also have a credit card I use to buy and resell things with. I pay it off as soon as I sell the items then profits go into savings. Can be a slippery slope but takes discipline. I never use my own money to buy with and in the beginning I could buy bigger more expensive items to resell. Which made me more money. Not debt free but, I only have a house payment.

Lifestyle creep…

Thank you ❤

Your comments are out of context. You need to learn exactly what means about the 1000 dollars for emergency, he himself said it will never be enough. And since you aren’t millionaire who cares about your 2 cents????? People wants to learn from millionaires no from “smarty pants “ like you! And really I don’t get the purpose of your video!!! You sounds like you have something against him and trying to discard his teachings ….. you aren’t smarter and richer. So what you are saying doesn’t help no one else.

My BIL would not eat leftovers, one day my sister was talking about him eating something that was a leftover,I said, Thought he didn’t eat leftovers? She said, He does now!!

!!I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good recommendation on great performing stocks or Crypto will be appreciated.

The number one issue I have with Dave’s advice is their unwillingness to consolidate debt to a significantly lower interest rate. 0% credit card balance transfer, HELOCs or other things like these are huge ways to help pay down credit card debt and they are completely against it.

I've explored all the online benefits of my local library and am thoroughly amazed! I have access to LinkedIn Learning, ad-free music, and ad-free films, which include lots of old classics that I love to rewatch, as well as documentaries. I keep asking everyone in my circle if they have a library card and if they have looked at their library's online access. I've been amazed at how much more there is 🎉

So glad you're back! I've learned so much from you - and I love leftovers!

I'm drinking my morning coffee and laughing at the casual potato prop! So fun for a serious topic 🥔 I'm a big fan of savoury leftover food for breakfast, too 😊🍵

It’s shocking to me that people don’t eat their leftovers. I’ve always cooked a big batch of things so we could eat for a few days. However I have a terrible habit is letting fresh fruits and veggies go bad. I’ve wasted so much money and food that way.

Dave Ramsey has great advice for digging out of a hole/not falling into a hole. His advice is terrible for getting ahead.

Who has money these days to buy a house 😂

My family grew up using baking soda as deodorant. It’s great! Just put it on over the sink and kinda brush off excess with fingers

Thank you so much for coming back. You are very much appreciated. Have a great and peaceful Thanksgiving.

I always think it’s a shame when someone goes ish. We decided to go all in and follow his plan to the letter. We’ve never needed to use a credit card for anything at all. We’ve always had enough cash to cover everything from a new car to a new appliance. We’re very close to BS7. Since you didn’t provide any numbers I suspect you may have paid more in cc interest that you made in your 401K but without the numbers it’s hard to know for sure. I’m a math nerd so I love seeing the numbers on paper.

4% making 200k is only 8k. You're supposed to get out of debt in 2 years following Dave Ramseys plan. 16k isn't going to kill you. I'm sure after you were out of debt youd cash flow that pretty fast. Lastly, i agree with what you said about investing... But for the record im using his method and im up 30%+ yoy and ytd

Thank you Dana!! This is great info!!

Hi...so glad to see you are back.Yess😊

before the industrial age, breakfast WAS leftovers

I diapered my daughter back in 1980 cause we were poor 😂 she survived. Those big saftey pins were rough though I stuck myself several times but never her.

I love when I see people changing up the steps to suit their own financial situation. The steps are awesome as a guide but it does not fit every situation. The diehard Ramsey people rip you apart when they hear anything different. They don’t even listen to reasoning.

Alls that I heard was a critique about Dave's plan and his numbers, without anybody, especially when you go through the comments for the people who don't agree, it's about doing something. Maybe the $1,000 emergency isn't enough for you. That's fine. You can make it bigger and quit bringing up the exceptions to the norm. That's who Dave's talking to is the majority of people that are credit card disasters that have no money saved for any emergency... And then you got the people who are claiming Dave's a hypocrite because he voted for Trump like get over yourself the guy's trying to teach financial security who cares about politics right now when you're trying to get out of debt because don't act like Kamala was the best candidate either. Jesus

Commenting as i listen!! 😂😂 I always make comments during videos then have to go back and edit! I used to do left over for my FIL, but he quit eating it so now i cook what is needed, nothing more. We do a lot of fresh vegetables and meat (husband & FIL dtrict diet) so its mych easier to limit the left overs. I love my aprons!!! And yep, i wear my clothes mutiple times. Jeans especially. My husband would throw a fit if I hung something outside!! 🙄 He clearly didn't grow up backwoods poor! We fixed our own washer. But my dishwasher quit, I said heck with it, it is now my dish rack for drying. No unsightly dish strainer sitting on the counter. I prefer hand washing dishes anyway. I open windows when my husband is OTR and it's nice out. And furnace goes off. I need look into clothes menstrual pads.

Was it the part where he suggests "don't even have a credit score!" 😂 I mean, damn, brother, must be nice near the top plateau and be able to do that, daaamn. 😂

As a frugal introvert, I couldn't love your videos more ❤

Dave's logic on credit cards is about the only thing I adamantly disagree with him about

Great tips! I'm vegan also but not my family. Would you consider doing a video on some of your go too easy vegan meals? Thank you.

Drying racks are great

😊❤😊 Happy Thanksgiving 🦃🍁

Dana, good video! btw, I'm a whole food plant based eater too, and my bloodwork numbers improve every six months when I go for my regular checkups. Also, the use of cardboard might come with a caveat to use earth staples to hold it down if people live in a windy area.

I think Dave's guide is a good place to start at, if you have no idea as to how to tackle a debt crisis. But, as you correctly point out, the plan will need tweaking and adjusting as one's journey changes. Ideologically I don't agree with Dave on things, but I think he has done a great job at freeing people from debts. Dave does a good job at teaching the foundation concepts - but, as you progress, your plan will probably need to change, and deviate from the basics. $1000 USD today is nothing, hahaha. Emergency fund should be in the region of $10,000 dollars and more I think (depending on risk, etc.).

Commenting for the algorithm, :)

We've never really followed dave ramsey plan as we knew we would be better off financially in the long run if we did things a little differently but i do think it is a great starting point for a lot of people and i loved watching videos from others who used his plan (such as you!) We always had a credit card and always use it. We treat it as a debit card and we earn money by using it and flying points which is hugely helpful since we live abroad. Cash, plus flying points means we were able to visit family much more often that we would have been if we never used credit cards.

You popped up again after some years so I had a watch and then realised I was sitting here cosey in my 'hooded robe/housecoat' your suggestion from years ago and my cheap Ugg style sheepskin boot slippers! Thank you x PS And yes I'm pretty thrifty.........

Great video!❤

Welcome Back!❤️

If you live in the city, check out community gardens. For a small annual fee, we get our garden plot, compost, mulch, water, shared tools, and even basic seeds. We also have shared berry bushes, fruit trees, and an herb garden. Plus, meet your neighbors!

I am so glad that you're back!!!

Before I retired, I owned a cleaning business. We cleaned residential and commercial spaces. I made sure that we did most of our cleaning with vinegar and baking soda. It was effective, cheaper, and avoided any allergies that clients might have. The only thing we used on tougher dirt was occasionally we used a little Dawn dish soap (great for any greasy stain) and sometimes a Magic Eraser. Both of those things were expensive when you were doing multiple properties each day. I found that "elbow grease" was the best thing to use.

I always check youtube to save money such as fixing a burner on my stove that wouldn’t light, installing my programable thermostat, and cutting my own hair. I also eat WFPB and lost weight with the Starch Solution eating lots of potatoes!

You need to become sponsored by the state of Idaho since you love potatoes haha! No J/K! In my native country potatoes are a basic staple and obesity is very rare in my village. We literally eat it with most of our meals and in our soups. I don’t know why they are so demonized in the USA. It’s so strange because they have so many vitamins.