5 Things That Will Make You Wealthy - Dave Ramsey Rant

[@TheRamseyShow]

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[@furanzutatakai6129]

Hello Mr. Ramsey. How are you sir? I have a question. My phone number is 267-344-9944. Please when you have a chance, could you please call me. My situation is one that you've never confronted before.

[@jeremiahhouse3434]

Why was this video all about your haters??? This is my first video i ever watched of you and heard great stuff about you. But did not expect this sir....

[@hardcandy921]

Disappointing. No one should be using a party name as an insult--certainly not when the other party has increased our national debt by over $1 TRILLION DOLLARS since inauguration day. We should //all// be contributing and getting this debt gone. The US is actually broke! I mean you couldn't run a household like this, just like he always explains to us. I love Dave as a person, but I really wish he'd "put his money where his mouth is," in how he views politics.

[@armaniwoolridge]

you shouldn't call ppl stupid it's not the love of the father

[@ucherichardegbu5739]

@@armaniwoolridge when some one call me stupid i get motivated to work hard.. cause be is not here to baby seat me

[@briannacollie2742]

1. Budget 2. Get out of debt 3. Live on less than what you make 4. Save money 5. Be generous

[@wesjimez2941]

I never budgeted in my life and didn't follow his advice. I have done ok for myself. His plan doesn't work for everyone. He is right you should try to avoid debt and avoid student loans to get worthless degrees.

[@happygenerously6008]

@@wesjimez2941 then its not for you its for those who need this advice negative nancy.

[@mikenelson8377]

Joseph Whiting time saver? Quit trying to hook up with Brianna C 🤦🏼‍♂️

[@briannacollie2742]

Joseph Whiting I knew people had things to attend to. No problem

[@wk3820]

@@wesjimez2941 Maybe you naturally budget without even realizing it because you are inherently disciplined. Or maybe you are like I was for years and just spend way less than you make, so it doesn't matter. Only, after I got married and beset by multiple hardships (losing everything in a natural disaster, multiple medical issues, and a wife having a nervous breakdown because of all this), I woke up one day and wished I had learned to budget when it didn't matter instead of having to figure it out when it did.

[@sirheisenberg4459]

Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!

[@antoniaribeiro8073]

Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.

[@PennyBernadette]

Until the Fed clamps down even further I think we're going to see hysteria due to rampant inflation. If you are in cross roads or need sincere advise on the best moves to take now with financial markets will be best you seek a fin-professional with fiduciary responsibilities who knows about mortgage-backed securities for proper guidance.

[@Tanner-c2m]

Could you possibly recommend a CFA you've consulted with?

[@PennyBernadette]

"Rebecca Nassar Dunne" is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@NorthCarolinaForward]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@cestlavieeee]

Found Dave Ramsey at age 16. Now i’m 21, in University studying engineering, have all the money saved for tuition for the next 4 years, and also have 35,000$ in cash saved in addition to that. Its all about saving. And no, I have 0 help from parents. I earned every single dollar.

[@80kcardinal]

I'm a little jealous of that $35k! Good for you.

[@paulatristan8189]

+ Good for you and keep thinking that way and doing what you're doing and you'll be a very successful man to which you are starting out well👍🏼😁🎉 Good wealth to you young man and don't forget like Dave Ramsey says thank God for all your accomplishments 🙏🏼🙌🏼💞 Happy Holidays 🦃 🎄

[@CalvinSchmeichel]

Where did you work?

[@alcoholandfun243]

Well done!

[@Itz_KLONOPIN]

Saving is great course, but if you want to really be wealthy you need to invest ✌

[@catt99mahal8]

I paid off $150k (being stupid), have 3-6 months emergency fund, and biught a house (mortgage) thanks to this man I feel like I’m on top of the world.

[@drcola143]

Congrats man

[@markm.4924]

awesome!

[@rthelionheart]

It's all fun and games until a future-ex-wife shows up.

[@jenglish1986]

Although all that is great please work on your spelling it will make you better

[@Natashahoneypot]

@@jenglish1986 You need to work on your grammar.

[@oobe.]

This is my morning routine. Listening to Dave yell is better than coffee.

[@garrett_fit]

Every morning on the drive to work.

[@bencortez05]

Same

[@Beautifully_Chaotic3109]

I just joined the Dave family I will definitely have these mornings 🥰

[@nehemiahnaga3135]

Same here

[@Luv2Be115]

🤣

[@rickwalker5203]

Before I found Dave, 5 yrs ago, I was paying $500 a month on credit cards with a total balance of $20k! Now Im debt free, and that same $500 is still being paid monthly, to MYSELF! Thanks Dave! And net worth did increase too!

[@Erica-wz8yv]

Rick walker nice!! 🙌

[@jasonn3016]

Currently I owe 28000 and pay 900 every month. I can’t wait to get to your stage. 4 months ago , I was owing 41,000 I been working everyday, 2 jobs, I’m getting tired

[@aminamerchant2321]

@@jasonn3016 hang in there -- you are almost there and have made so much progress! Live like no one else so you can LIVE like no one else!

[@deletedleaf2688]

Jason N If you did that in 4 months that’s amazing. I’m here to make you feel better, I have 100k in credit card, car and student loan debt. I pay 2000 a month on them and that’s just minimum payments.

[@yeseniagonzalez8691]

Awesome. Already down $7k in 7 months just by being motivated by his youtube videos.

[@Thatoneguy2550]

After listening to Dave Ramsey with my dad since I was 8, I was able to take his advice and was able to budget and save enough to buy my first house at 19.. put down 85%. Thanks Dave!

[@jpined14]

Where do you live? That would be close to $1 million in cash for me.

[@mwahha6965]

Joel P won’t be near any city

[@Thatoneguy2550]

@@mwahha6965 I live just out side the biggest city in the state. About a 20 minute drive

[@angelabaiers5055]

Wow! Congratulations!!

[@vickyandersen8660]

@@jpined14 what?! That’s too much. Here in Phoenix AZ you can get a house from $200,000-$300,000.

[@hershfam]

Dave Ramseys plan isn’t the fastest, most efficient way to become wealthy but it’s a rock solid, practically guaranteed way to succeed financially, and every single person can follow it.

[@johnlewis8934]

Amen

[@Phyoomz]

And it relies MUCH less on luck and skill.

[@chikipichi5280]

Tf you mean it's not efficient. It's for sure not the fastest, but y not efficient?

[@briceanderson3281]

Mostly agree... I can argue that it is efficient. What are you meaning by it not being efficient,

[@s.d.3656]

@@Phyoomz and relying on skill is what you're planning on doing right? Seems like you're the one trying to ride the luck wave.

[@CherryBoyLive]

Love what he said about Democrats and Republicans. "They are not gonna fix your freaking life!" Wish more people understood that.

[@bighands69]

But they do know how to destroy it.

[@jmm1817]

@@bighands69 Mostly The Dems do

[@js83]

@@bighands69 No politician has ever affected my day to day life. The faster you stop watching the news, politics, and all the other bs online, it will improve your life and mindset overall.

[@grant21999]

True

[@TheWaggishAmerican]

They both work for the same actor and it sure isn't an American.

[@jellyesthi8073]

I’ve been listening to you since 2016 . 31 with no debt , 50k in savings . Thank yu

[@BibleMadeEasy247]

Jelly & KooL Tv I’m jealous 😉good 4u... l should have done better but I’m getting on the way

[@bretmaki2110]

Sounds cool! You can grow that 50k pretty well. Go invest at Lumentrades, you can earn 30% of that quarterly. Isn't that good enough.

[@Atomrofl42]

Bret Maki 30% return quarterly? So 120% return a year? No thanks dude

[@tyronnfields7945]

That's awesome

[@SivaSaiTejaAthota]

Bret Maki Whats this scam called as?

[@Derek8487]

I wish I found Dave Ramsey in my early twenties.

[@nancypritchard7575]

Derek C we all do!

[@lebario1765]

18 and more than happy to have found this guy a couple years ago.

[@brentmac122]

20 years old, and feeling blessed

[@mountiescorner]

Derek C oh my god, no kidding! I only found him when I turned 32 (1.5 years ago) Smh Better late than never though. Debt free by fall-winter 2019

[@curls4theworld]

Same here.

[@Bridget-l7p]

Been quite unsure about investing in this current market and at the same time I feel it's the best time to get started on the market, heard some guy speaking of making over a million dollars from a $300k capital and I'm driven to ask what skillset and strategy can generate such profit??

[@Bako-b8j]

You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.

[@DavidLucas-so8rr]

Several individuals minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $235k to $690k despite inflation.

[@SarahTaylor_]

Please who’s this consultant ?

[@DavidLucas-so8rr]

"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.

[@RobertBrown..]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@lizzyhazel4085]

My husband was a high school teacher and I was a full time mom and home maker. Many thought we were poor. We just retired at 55 years old. Listening to their confusion about our life is so entertaining.

[@nathanday8414]

I love it

[@gittin_funky]

Lizzy Hazel that’s great lizzy can you share some tips on what worked for you guys

[@gittin_funky]

Tyson ...... not helpful

[@lionheart93]

I bet you guys a millionaire now

[@lizzyhazel4085]

@@gittin_funky We NEVER carried any debt, except for 2 years when we payed off a $25,000 mortgage after putting down $50,000 cash on a modest, but nice, $75,000 starter home. The bank wanted us to find a bigger home with a $300,000 mortgage! NO WAY!!! That was 1992. We still live in that same starter home. We maxed out our Roth IRAs and retirement accounts every year and also invested in the stock market with the help of a financial planner. We love our way of life. It was not hard, just a way to live without financial worry. We have always traveled and enjoyed experiences. We also have nice things, just not as many things....which also makes life easier. PS...we are also blessed to have military health care benefits, that is huge!!!

[@2legit2Kwit]

"No one accidentally wins and you're not the exception". 🔥 🔥 🔥

[@AestheticBible]

The man's rant single-handeldy gave me a better brain

[@digitaluser1255]

Unless you get an inheritance

[@platinum11110]

@@digitaluser1255 but that's not "accidentally"

[@_trust9994]

@@platinum11110 logically thinking it's by accident.

[@TheBarisaxman17]

@@_trust9994 how is it accidental? Someone had a plan to gain the wealth at some point. Also, short of lotto winnings, you should know ahead of time if you're going to inherit a ton of money.... Hence not a surprise/accident

[@anooshs6689]

I read Dave's book six years ago and I am finally debt free. Paid 190k in student loans plus around 40k in interest. Thanks Dave

[@LegacyFarmandHomestead]

Listen to this video for the first time when I was working at Walmart making 10k a year and now I'm making a 140k.

[@johnb1121]

What do you do

[@LegacyFarmandHomestead]

@@johnb1121 radioactive waste truck driver

[@freedomfighter6539]

Nice

[@TheTalkShytShow]

@@LegacyFarmandHomestead Awesome buddy! 👍🏾👏🏾

[@chikky98]

@@LegacyFarmandHomesteaddoes it have any health complications in the long term

[@jamesdevrees8663]

"Being broke is a temporary condition, but being poor is a state of mind." Elizabeth Vornholt

[@pip1723]

That's nonsense.

[@1mattadams]

And stupid is stupid.

[@robertmurphy8384]

Makes sense to me..

[@Make2into1]

"Being poor is a mindset hard to break. Remember son, we're not poor. We're broke." -Dave Chappelles Dad

[@phoenix825185]

I 💜 this that makes perfect sense to me

[@lexusalexander2576]

17 and found Dave!! I honestly love him. Heading off to college soon and I’m grateful to have this knowledge.

[@thumbsdown7684]

Lol I was gonna go then I figured out trade school is the move

[@Ujjwal927]

@@thumbsdown7684 yeah, college is a scam

[@charlesyoung9980]

I love your smile

[@mrstrini2]

Yay!!! Best of luck to you.

[@lexusalexander2576]

@@charlesyoung9980 thank you

[@davidhidalgo8465]

Found out about Dave when I was 20 years old, drowning in $15k debt student loans and credit cards. 21 today with $0 in debt and opened a Roth IRA, saving up for future investments. I’m so happy and blessed to have found Dave Ramsey. - Dave

[@parkrichard4464]

You won the lottery. Seriously.

[@itsgrves7396]

You paid off 15k in one year, wow!

[@jaz.herself]

What’s your secret?

[@circletech7745]

He worked VERY hard. Likely had multiple jobs. Uber, pizza delivery, fast food, consulting. Doesnt matter. Money is a game. Just know how to play the gane and you will win.

[@davidhidalgo8465]

Dylan 873 you’re 100% right. Worked for doordash none stop and threw all my extra side hustle cash towards the debt. Racked up the hours. All the extra cash is now going towards the Roth. 👍🏼

[@viniciusantonio8213]

Deciding whether one should make a financial investment of any sort always takes some consideration.

[@theresaquiera7412]

Consulting useful information could in this context be very helpful and profoundly facilitate the decision-making process.

[@EricBrittonSilvado]

But the quantity of information people deem necessary for a well grounded choice varies.

[@durhammiller8817]

They make careful plans and stick with them even though circumstances may change, in an attempt to maintain order and control.

[@rosannaconstil571]

According to Timothy Eric Meek, the challenge is making sure all potential issues have been considered and resolved, or properly balanced against a product's benefits, before presenting new products to clients.

[@christianrode8316]

He want to ensure that they make a well grounded choice, and do not leave anything to chance. Timothy Eric Meek is a very smart person indeed.

[@bansurilearner9414]

I don’t have a dad or elders alive to give me financial advice. I use you for that. Thanks

[@samuelcampbell3388]

Good advice/professional help is all we need sometimes to get through a rough patch

[@kentgood2202]

Lost quite a lot on bonds and stock exchange. Now I'm kneel deep in debt

[@totallumber3492]

was a on continuous losing streak in forex and real estate investment for what felt like an eternity till I was introduced to Lucas Anders. Investing under his portfolio really turned the tide for me. Stop self trading and get professional help.

[@AAARREUUUGHHHH]

@@kentgood2202 You lost money on... Bonds? Seriously? Lol how did you manage that, bonds are some of the safest, risk free investments to make.

[@lluminatii4139]

SevenNotes In many ways, Dave is America’s Dad.

[@Cleric775]

Before any of you quit, make sure you've secured a second job.

[@FelipeBudinich]

And that 6 months worth of savings just in case your new job is even worse XD (Has happened to me, quitted at day 3 with confidence I wouldn't starve, and I didn't).

[@Malitubee]

@@FelipeBudinich that’s got to be an awesome feeling

[@trueLuminus]

Nope. Just quit your job. "So don't work there stupid." Everything will simply just work out. Easy. [sarcasm] Anyone can just make a video saying "just quit your job." That's nonsense.

[@juggyfoad6759]

@@trueLuminus if you arent going to do something about your job then stop complaining about your job

[@michoacan1157]

I quit my job mentally after watching this video then went to work in the morning 😂🤣

[@ripwins]

Thanks Dave ramsey your message has reached the Ghetto🙏🏾 No debt & 39k left on mortgage Let's get Wealthy 🤣😂

[@chocobillysranch9205]

Good job bro. No excuses just results. Keep it up.

[@kendrasong8606]

Now you can teach your friends and help others! God bless

[@briannacollie2742]

@@chocobillysranch9205 😂😂😂

[@chocobillysranch9205]

@@briannacollie2742 What?

[@briannacollie2742]

@@chocobillysranch9205 omg I'm so sorry. I meant to tag the person that made the comment

[@albacus2400BC]

I like investing in close-end funds that pay monthly dividends. The trick is to hold long term and reinvest the monthly dividends plus buy more shares on a monthly basis or when ever you can afford to. This can be easily done because close-end funds are bought and sold on the stock market just like regular stock. That’d be enough to create a portfolio that would pay you between $50k to $70k in dividend income

[@AddilynTuffin]

Remember that investing in the stock market carries risks, and it’s important to do your own research and consult with a financial advisor before making any investment decisions.

[@kaylawood9053]

I totally concur. I'm 60 years old, just retired, and have about $1.2M in outside retirement savings. I don't have any debt, and the amount of retirement savings I have relative to the overall value of my portfolio over the last three years is minuscule. To be completely honest, using a portfolio advisor when investing is brilliant!

[@kaylawood9053]

The name of my investment advisor is "Sharon Louise Count." She is a true genius when it comes to diversified portfolios, which make portfolios less susceptible to market downturns, and has a strong reputation in her area. You may already be familiar with her name; a Newsweek article gave me the information I needed. She is someone you could Google.

[@sweetra07]

Where would I find close-end funds that pay monthly?

[@noisehonk]

Been listening since 2011. Graduated college debt free. I’m 32 with a wife, 2 kids, and 220k invested. Thanks Dave. The goal is to pay cash for a home in 3 years

[@shebakali6]

noisehonk congrats!

[@a.k.4085]

😳👏👏👏😊

[@justintheballer3733]

noisehonk I'm sorry if I'm asking dumb question I'm 16 trying to learn more. May I ask how come paying a car or house with cash is better?

[@platinum11110]

congratulations!!

[@teniaw6002]

SPIRITUALITY Ones No debt.

[@411sponge72]

Dave, I agree with you but I think you need a Snickers

[@LGnLA]

😂😂😂😂😂Calm down "Uncle Dave."

[@EbonyRivers1]

I know, right!🤣🤣

[@nadiyaqt4219]

Lol...me too

[@MyLady22]

He’s not himself when he’s hungry.

[@taxr2111]

Hilarious! Trust me, he’s not mad... he’s laughing all the way to the bank!

[@banird20]

My wife and I reduced our debt by 70k in 7 months after reading Total money makeover. 75k more to go.. God bless you Dave!!!

[@RosteeveBellier]

banird20 wow, way to go bro. Good job.

[@banird20]

@@RosteeveBellier thank you, it will be a quite a journey from here but it will absolutely be worth it.

[@tarheeltx1]

Awesome man, that's impressive!

[@johnlennon232]

if the idea is to build an income stream to use as complement for retirement, or at any given point if needed, then building a dividend growth portfolio always buying adding to it could be a good and peaceful path. On the long run consistency and perseverance could guaranty the desired income stream goal with little worries

[@alexyoung3126]

the idea is to Look for stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions.

[@lawerencemiller9720]

Well said, with the help of the an investment advi-sor, I diversified my 62K portfolio across many markets and in a matter of months, I was able to produce over 356K in net profit from high dividend yield equities, bonds, and exchange-traded funds (ETFs).

[@jessicamoore3093]

wow massive gains! my partner recently hinted on going same direction.. what did you invest in, and who is your investment advisr please, if you dont mind me asking? in dire need of asset allocation

[@lawerencemiller9720]

Melissa Maureen Ward, advanced lady in her 40s and professional, reserach if you care for supervision.

[@jessicamoore3093]

Impressive, I took a look at your advisr. I set up an appointment. I’m looking forward to her reply, I hope she sees my message.

[@vanessalynn4064]

Preach! I feel like I just went to church. Rather than criticize why not apply these rules and see if it works. I’m only 23 and I’m so thankful that I have access to this information. Dave is not giving us free money but he is teaching us how to accumulate large amounts of it on our own.

[@kenny3269]

Vanessa's World at 23, if you do these things, you will have plenty of peace and money when you are 43 - believe it. You are the age of many of my nephews and nieces- and they all received the total money makeovers book as a graduation present from me. Apply these things while you are young, you won’t regret it.

[@vanessalynn4064]

Kenny Thanks I definitely will keep applying these rules. Every person my age should be taking advantage of this free information.

[@AStanton1966]

Put a minimum of $1,000 a year in an IRA starting now and you will be on easy street V.

[@ernestoattaguile4284]

@@AStanton1966 which is better for a 21 year old like myself? Roth or traditional?

[@AStanton1966]

It's a no brainer--the Roth. You'll never have to pay taxes on it. And any money held 5 years or longer can be withdrawal--penalty free. Of course the real way to go is work for a company that gives you a 401k match.

[@jasonhicks3364]

"Stop giving money to banks your whole life."- Amen

[@drmac6398]

Banks are Institutions that destroyed American Dream.

[@tmston2]

wish i wud have know this 8yrs ago

[@forexgump5875]

I learnt this as early as the stock market crash in 2008, now I am invested in bitcoins, forex and cryptocurrency trading

[@evangelinespade3912]

Isn't it the same thing? where do you keep your profits? there is no escaping the banks

[@forexgump5875]

You do not know how bitcoins work do you? You can curtail your use of banks, I have been my own bank for 3 years and counting, it definitely got better this year with my counting my first million dollars in my blockchain

[@jerrygee941]

I am in my twenties and started using Dave Ramsey's steps! I started with over $80,000 in student and car debt combined and am now down to a total of $18,000 of total loan debt left in just 10 months! These steps REALLY do work! Dave Ramsey has inspired me and my family to pay debt off and even inspired me to share my experiences and methods that I used while in college and budgeting with my career income! Pay debt and live on less than you make! Save money and be generous!!

[@karenjohnson9240]

What are some tips did you use to pay off the debt?

[@AgnesHarperq3x]

As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.

[@NikolasMartine01]

Well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.

[@OscarBarnaby3k]

People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.

[@TeddyAlexanderv6]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@OscarBarnaby3k]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.

[@TeddyAlexanderv6]

Thank you for this amazing tip. I just looked the name up and wrote her.

[@finelife6019]

This guy is hilarious. He’s giving you tough love ❤️ take it and be financially independent

[@validateit443]

A way out. Out from the old energy

[@rnupnorthbrrrsm6123]

So True and yet you read through comments and people complain and/or don’t agree but they are broke, thinking they know better 🙄

[@finelife6019]

rnupnorthbrrr SM they complained because they are broke. Change is hard. They don’t have the discipline or the ambition so when someone pointed out their weaknesses, it hurts

[@a.k.4085]

@@rnupnorthbrrrsm6123 RIGHT

[@wariorman21]

YOURE WRONG!!

[@shanedriveinit]

Caller: Hi Dave I have a questi... Dave: SELL YOUR CAR! 😂

[@Promisedland_garage]

Bank acount: staking money

[@TomiaMacQueen]

LoL

[@lorrainehenry9240]

Sebastian Urban Benga! Get rid of your car!

[@RhinoXpress]

Dave: If you can't buy a car in cash then go buy a bike to get to work, even if your job is 45 minutes away. 😃

[@tefnut93]

😂😂

[@frankiesmom8478]

I love Dave Ramsey! He is full of wisdom. I’ve paid off 120K worth of student loans since following his advice

[@MT-tu8qd]

Kristen Brown How long did it take ?

[@frankiesmom8478]

4 years!

[@titonothere6179]

Geez that’s a lot of student loans. Q: how much you make per year?

[@EyeAmCoa]

Kristen Brown thanks INSPIRATION

[@Godblesstaiwan2025]

Wow congrats! Yes he is I love him ❤

[@MsGlenn210]

I felt this! You can't be stagnant. I tell people if you get comfortable in a place you don't make good money, it's time to get uncomfortable.

[@recluseauhermitticus2033]

How does it feel being the ONLY SPECIES ON EARTH. . that has to pay for permission to live?? And maintain the division of your species by constantly fighting over money??. . i don't expect any of you to be mature enough to actually answer.

[@jessecruz7902]

Lol wtf?

[@alooshkiiiii]

Best thing I’ve heard in a long time. “Leave the cave, kill something. Drag it home” such a powerful line...

[@notmebutyou8350]

"Don't be stupid. It makes you look bad." - Dave Ramsey. FACTS!! 😂😂😂😂😂😂😂😂😂

[@Vellisaden0207]

Best quote ive heard in years

[@lepermessiah2011]

What really got my wife and I going was we wrote down all of our bills, got a total of all monthly expenses and matched it up with our monthly income. It really opened our eyes when we realized why we were struggling. We paid off all of our credit cards and a couple of loans, about 20k worth in about a year which was huge for us. We're in the process of paying off our cars.

[@icawn]

Ive been trying this, but my wife is stubborn and gets defensive when asked about bills and purchases. Ive gone so far as to print mine out along with income though cant get a committment. Was there anything in particular you had to do to get her to comply?

[@lepermessiah2011]

@@icawn I had a similar problem too. The best thing to do is be up front about it and communicate to her what you want to accomplish with her as far as finances go. My wife has a problem with spending unnecessary money, like eating out, conservative purchases on clothing, etc. We're going from spending on whatever to trying to spend nothing at all, which is a huge change. I get that. So we worked out a compromise. When we get paid, we take a certain amount of cash out of our bank account that we use to spend on whatever we want. Judgement free. No questions asked. Having physical currency is slightly more difficult to spend, so my wife is starting to spend slightly less, so it helps. Since we started this, there have been less debit transactions from our bank account, and we have 100% accountability of where our money goes. I also reiterated to her that our credit cards were for emergencies only. Any and all credit card use from either of us needs to be communicated to each other.

[@EMichaelBall]

@@icawn "Neither of us want to lose the house or cars in the next recession, like a lot of people did in 2008. If one of us loses our job in a corporate downsizing, we need to have the cars and credit cards paid off, so we can put what's left of our total income towards the mortgage and have enough left for food and gas."

[@digical1]

@@icawn I'm going through the same thing. My wife uses her credit card for everything. Very compulsive buyer. Her debt was dragging us down. Even gave her money to pay off her debt, told her stop buying everything with a credit card. If you can't afford it don't buy it. Saving for a house & in 5yrs she saved nothing. She has a great job but i don't have a clue where her money goes & I'm just tired. I finally gave up on the dream of owning a home and decided to just rent. I have 2 kids & I'm married to a woman with a great job & i am advancing while she has stayed in the same rut. Financially i do things excluding her because i don't think i can depend on her. Any decision i made like buying a home, now renting a home i do not include her finances. She can't be depended on. It's the worst thing in the world.

[@yardartistry4121]

digical1 DIVORCE!!! AND LATER WE MAY BE A NICE COUPLE!😘🤗😙❤

[@AnnaOllsson]

My recommendation for new investors is to invest in high-quality companies and hold onto their stocks for the long term. Don't pay too much attention to market predictions and opinions, as they are often unreliable

[@PennyBergeron-os4ch]

As with any big financial decision , it’s important to keep your guard’s up for economic risks. However, smart planning, time management and seeking advise from a fiduciary can help keep you and your money safe.

[@bartlyAD]

Yes i agree and right now the markets are going berserk right now. This is the best time to watch them, get to know them better, and strike when the opportunity presents itself. I learned that from my mentor, she's seen dozens of market cycles over the past few decades, and she has a feel for how they move, why they move, and what comes next.

[@HildaBennet]

I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?

[@bartlyAD]

Her name is “ Rebecca Noblett Roberts" can't divulge much. Most likely, the internet should have her basic info, you can research if you like.

[@HildaBennet]

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

[@ericvidal440]

Working 3 jobs right now my full time job mon - Friday and than uber and Lyft say and suday in the morning and valet in the PM saving all my tips , getting my self out of debt slowly ,

[@jerrylisby5376]

Go to Church Sunday Morning. Take one day a week and rest.

[@bighands69]

@@jerrylisby5376 At the moment he may not have the luxury of church.

[@russodidit]

Stop ubering and lyft. Theyre a trap

[@NoLurp]

Church is the real trap

[@jeanilagan8461]

Slowly???

[@Keepcool233]

I owe Dave Ramsey a lot, he changed my life by changing my mindset towards money 💰. For me, he’s like my dad in the personal finance management domain. Thanks Dave, you’re amazing

[@xxlalbatross3287]

No matter what anyone says, this man. Taught everyone how to get through the economic minefield safely.

[@recluseauhermitticus2033]

How does it feel being the ONLY SPECIES ON EARTH. . that has to pay for permission to live?? And maintain the division of your species by constantly fighting over money??. . i don't expect any of you to be mature enough to actually answer.

[@davisperron4260]

“Don’t be stupid. It makes you look bad” That is so funny 🤣

[@kraamoseidu2629]

😅😅😅, funny but real tho bro, good wisdom

[@peggyleekight1563]

Too Funny!

[@phoenix825185]

It is halarious 🤣🤣🤣🤣 I think it's the way he says it lol I was cracking up lol but he right tho

[@jameswood9772]

Creating wealth entails establishing positive routines, I had only $78k to my name at 42 when I first woke up to this reality. I chose the stock market as a medium of growth, got an excellent financial advisor, Financial management is a vital subject that many avoid, often leading to future regrets.

[@johnlennon232]

Indeed, currently I'm managing my finances wisely and being frugal. In the last 19 months, my investments grew by 43%, adding over $500K in profits. However, I've had losses in the past month, making me anxious. I'm unsure whether to sell everything or wait.

[@williamyejun8508]

No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 2024.

[@chris-pj7rk]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@williamyejun8508]

Her name is. 'RACHEL SARAH PARRISH’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@chris-pj7rk]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@jogmas12]

Don’t marry a someone that does not have a same frugal mindset you do..... number 6

[@paresaalizadeh2423]

Amen!

[@gittin_funky]

I know that one. I’d love to pay off mortgage but my family are spenders !

[@Xeyph]

Don't marry at all, number 7

[@SK-gf5zk]

@@Xeyph What if u fall in love😁

[@thomascook3336]

Do not get married at all. No need to support another person, or worse children, and you can go do what you want to do with life.

[@KyraHogue]

Relative thinks we’re crazy to follow Mr. Ramsey’s plan. We told him about our CASH emergency fund, and how much we have paid off in debt so far this year. AND we only found out about Dave Ramsey in February!! 2 months in of the years it’s gonna take to be debt free, and we’re ready for it.

[@dargm818]

Why would your relative think your crazy for striving to be financially responsible? It's such an amazing feeling having money.

[@KyraHogue]

He’s an investor and has a hard time seeing himself stopping the investing to save the cash and pay off his debt.

[@wearerockstarz85]

Do you know how Dave, recommend regarding old credit card debt. My ex gf was an authorized user of my cc. And now the card went to Collection agency for over $5k. Do know what Dave's concept is regarding this?

[@KyraHogue]

Pierre Lamothe I’m not too sure how he’d guide on the joint responsibilities of the CC. I do know he recommends against being financially joined until after marriage. For the collection agency, you can see if they’ll be willing to have you pay a lesser amount on the debt, “pennies to the dollar” as he would say. Don’t pay a dime until you get it in writing. But I just follow Financial Peace University, and am not affiliated with him. He may have a video on that topic on this channel.

[@666dynomax]

Pierre Lamothe yeah yer stoopid he'd say and you are also liable for the money. I wasn't trying to be mean but Dave will say you learned a lesson... Two... The credit card and the girlfriend authorised and you won't do it again

[@londonography9207]

This should be in all education curriculum!

[@SilentBomb94]

They did Dave Ramsey videos at my high school but it was a Christian school

[@_prettybrownbrown7729]

Londonography lol right I could not keep a straight face in class he is soo funny !

[@adobotravels]

where will the government and banks profit from then? slavery was never abolished, it was intended to include people of all colors. - charles bukowski

[@lisas44]

@@adobotravels where will the government of banks profit then? Ding ding ding we have a winner!

[@donaldwayne7023]

Purchasing stocks may appear simple, but selecting the proper stock without a tried-and-true strategy may be challenging. I have been trying to increase my $310,000 portfolio for a long time, but the biggest barrier is that I don't have a clear entrance and exit plan. Any advice on this matter would be greatly valued.

[@JenniferDavis7630]

The methods are challenging for the average person. They are typically carried out successfully by experts with a high level of ability and expertise in such trades.

[@debbygradley25]

Some individuals minimize the importance of counsel until they make regrettable mistakes. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.

[@danieltaylor--65]

That makes perfect sense because you seem to know the market better than we do. Who is the mentor?

[@debbygradley25]

'Laurelyn Gross Pohlmeier' a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@EthanBrown_23]

She seems to be a well-read and intellectual woman. I found her website when searching for her online; I appreciate you sharing.

[@lidiamartinez5735]

In my twenties and found Dave. The future is looking very bright for me and my family 🙏

[@TrueArcBaron]

Keep going! You got this!

[@e.rivera4251]

..my advice...be carefull who you married. Both should be on the same boat and with the same goals. Great information for everyone !

[@brocave554]

David G. Amen!!

[@DE-rc7gi]

You can get married!! My husband and I were both free of debt when me married!! We have a child that’s been sick, but he and I worked our butts off to pay off our medical bills. We have two cars that we paid cash on, and working to pay off our mortgage. You CAN be married and do this if you find someone with the same mindset. We wished we would’ve saved better in our single years. Neither one of us had much, and our friends treated us as if we are poor...we just lived below our means and would drive just one car to save money...now our friends are in loads of debt,downsizing, even though they are two income families, and how we as a one income family, are slowly building up our wealth.

[@matthewhaddadin1777]

Love Dave Ramsey he’s helped me save 30 in a year and a half I’m 23 !! Listen to this man !

[@joepeterson-s6t]

Thank you so much for this video but in these uncertain times it is more important than ever to have a solid understanding of how the government are still in charge of our wealth and manage your finances, invest wisely and navigate economic downturns. But my primary concern is how to grow my reserve of $240k which has been sitting duck since forever with zero to no gains, sure I'm all in on the long term game, but with my savings are lying waste to inflation and my portfolio losing gains everyday, I need a remedy.

[@dorathykalms]

If you need advice, consider speaking with a financial advisor. Don't get me wrong, you can do it on your own, but financial advisors have a lot more knowledge and expertise in this area.

[@ноналуговцова]

you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited £560k in 2022 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.

[@альбинапронина-н5й]

That's impressive! I could really use the expertise of this manager for my dwindling portfolio. Who’s the professional

[@ноналуговцова]

Her name is “Selena-Nicole cefaloni’ can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@gloverlife-w4b]

I have googled her and she has impressive credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@garthbuck4274]

My take-away: Don't be stupid, don't be stagnant, live on less than you earn, save = make a margin + create wealth + be generous. Dave has quite a way with words and being "blunt honest" in his delivery. Love his advice.

[@recluseauhermitticus2033]

How does it feel being the ONLY SPECIES ON EARTH. . that has to pay for permission to live?? And maintain the division of your species by constantly fighting over money??. . i don't expect any of you to be mature enough to actually answer.

[@AustinMathias]

This guy is amazing. His advice changed my life. I was always scared to live below my means. It's way better than I expected.

[@recluseauhermitticus2033]

How does it feel being the ONLY SPECIES ON EARTH. . that has to pay for permission to live?? And maintain the division of your species by constantly fighting over money??. . i don't expect any of you to be mature enough to actually answer.

[@intelligentinvestor7615]

One of my biggest role models! I'm twenty and have just gotten to a net worth of over 50,000 dollars. Dave Ramsey's simple and honest approach to building wealth have been instrumental to me.

[@michaelykwon]

How much income and how much u put aside a month towards that nest egg?

[@THEREAL_GZUS]

Michael Y Kwon it’s not that hard just pay your bills and save the rest . I put away 20,000-30,000 a year after I pay my bills . Been doing this for years and i just turned 30 . Once u do that start investing money in different places create more then one income

[@bighands69]

@@michaelykwon If you can save/invest 90% of your income do it. For some it may only be possible to do 10%. Just get started. Investments are also a good choice. And ever be afraid to work an 80 hour week.

[@CristianHulbert]

Certainly! I understand that living expenses and taxes can take up a significant portion of one's income in the UK, which can limit how far that income can go. Even 100k doesn't get you very far and the dream of retiring early is starting to seem like a fairy tale. I have roughly $200,000 in 401(k) that I need to grow quickly. Please leave a comment if you can help.

[@ThormanBoucher]

It depends on your personal preferences and comfort level. However, one option is to keep things simple and consult an investment-advisor. They can help you determine your risk appetite, avoid common mistakes, and provide a broader perspective on your investment landscape.

[@ThormanBoucher]

@GarrettDills My personnel advisor is "LISA ELLEN SHAW" . In terms of portfolio diversity, she's a genius. You can look her name up on the internet and verify her yourself. she has years of financial market experience

[@RachelBrinkmeier]

@@ThormanBoucher I just Googled her name and her website came up right away. It looks interesting so far. I'm going to book a call with her and let you know how it goes. Thanks

[@James_Kiel]

#6 - Teach others. It keeps you accountable and sharp, through your Legacy Journey.

[@santoniop5618]

James Kiel I like it but the title says make you wealthy not keep you wealth. I don't think Dave missed anything with these 5 steps

[@James_Kiel]

Santonio Poole many people, from Baby Step 1 through 7 teach FPU, and have credited actually teaching the classes and help others on their journey, to being able to win with money (both in becoming wealthy, and keeping your wealth). By the way, there are not only 5 or 6 principles to becoming wealthy. It sounds like you actually think that.

[@thetelephoneprankster4254]

I agree

[@aviddavid8793]

Best way to learn is Also teaching because you are more likely to remember the thing you are learning about 95% compared to reading books which is about 5 or 10 %

[@Cesar-pq2ck]

I love this video! I don’t have a college degree. I only had minimum paying jobs for years. I got into debt. But even so, I later got tired of living like that, of regular paying jobs and owing $60K. I’m now self employed and others depend on our business. Thank you Dave!

[@freedomworks3976]

Your the man !!!!!

[@chitownfan06]

That’s awesome

[@Pantera972]

Me and you have the same exact story except that I didn't owe as much. Cheers to success my friend.

[@recluseauhermitticus2033]

How does it feel being the ONLY SPECIES ON EARTH. . that has to pay for permission to live?? And maintain the division of your species by constantly fighting over money??. . i don't expect any of you to be mature enough to actually answer.

[@joaquinmurrieta8857]

“ Broke people should not be taking a vacation “ “ It’s stupid “ haha Dave Ramsey keeping it real!

[@marysutton434]

True.

[@dharmaram7527]

Nahh everyone needs a vacation. Flying out to an expensive holiday is not the only way to do a vacation. Keep it simple, do a road trip and go camping outdoors etc...

[@kickthenorm2453]

Joaquin Murrieta love it!

[@Wealthybaby]

Dharma Ram I agree telling me to not take a vacation is like telling go to work everyday die and have never seen Gods creation seems like a sad life

[@mmabagain]

@@dharmaram7527 Exactly right. I remember being laid off and having to work at a new stressful job for peanuts. A one weekend trip to the beach in a cheap motel was so relaxing and refreshing. Got back to work with a fresh attitude. Did eventually get recalled to my old job and am now nearing retirement.

[@trazzpalmer3199]

In light of the current volatility of the stock market, I believe investors should concentrate on undervalued companies. Currently, 35% of my $270k portfolio is made up of declining but formerly regarded corporations, and I'm not sure what to do with them.

[@RobertBrown..]

To manage market risks responsibly, distribute investments over many asset classes such as bonds, real estate, and international equities, seek the advice of a professional.

[@alexandermorse1306]

Move it over to S&P pr S&P equivalent (like VOO). It's already managed to drop and change companies so you won't have to

[@Canessa1298]

@@RobertBrown.. f*** professionals, you can do it yourself

[@elisabethwarner3845]

"Get up off your assumption and do something!"

[@juliand.l.4310]

I think me meant, “Get off your ASSumption...”

[@chucksmith9772]

When he said that, I literally spit my coffee out of my mouth. So funny

[@mobiusraptor7]

"Blogging about me in your momma's basement." Dave has no chill!

[@eliza2256]

mobiusraptor7 I love his energy

[@percyastronautstatus.8780]

I'm in my DADS basement.....he was wrong on that one ....

[@colin1818]

"It's not the basement! I'm in the apartment above her garage!"

[@youbastrds231]

I’m in my brothers basement in the sump pump room.

[@martinachan7719]

@@colin1818 fancy way of saying attics.

[@opicnojam]

6:51 "You don't buy a Ferrari if you're a millionaire." What a lesson. And the exact words I needed to hear today.

[@PanchoPistolas45]

@Greg Russell I have. I didn’t see a Ferrari in anyone’s driveway. Bunch of Lexus’s, Mercedes, etc. No super cars

[@shuzhenyan4458]

If you only have one millionaire, you still shouldn’t buy lol

[@jsimmons12]

He’s right of course. I’m not sure what the amount of wealth is that allows a Ferrari but I imagine it’s where everything is paid for including a lavish retirement, and an “emergency fund” that can cover a decade of expenses. Then you just have to be smart and buy a super car that maintains its value or even appreciates. Those are the specialty Porsches and limited run Ferraris and Lambos.

[@Playpressed]

10 -20 million net worth Ferrari money

[@austintomkewitz7206]

@Pohjois Disaster Moon rev up your income!

[@Twingoat]

At first I disregarded your advice, but now I’m out of debt. I owe it to my emergency fund, thank you sir.

[@mandypdx]

Are you enjoying life and creating experiences/memories like travel? I like a lot of what he has to say… but buying homes early, have only grown my personal wealth!!!

[@r011ing_thunder6]

@@mandypdx wdym buying homes and how do you make the money to do that?

[@pattymanmiller4088]

What is the emergency fund? 3-6 monthly salary or monthly expenses?

[@r011ing_thunder6]

@Patty Manmiller that's right. Personally though I'd say people should save 20 percent for a full year so you still have some savings when life happens 😉

[@MKSMentality1]

When Dave goes off like this, I literally die of laughter! He’s telling all facts here

[@thesinglemomsummit2618]

CatalyXt it’s the best ever I love it so much 😂😂😂😂😂😂. But he’s telling all facts.

[@Tandrew]

Yep

[@pineconesjay]

literally?

[@tee5096]

Yes!! I love it..😂

[@ivangutowski]

I read your comment before Dave rant, now I know what you mean. He want absolutely off on.. one.. .. I don't like Dave ramsey... weeewww weeeww weewww... TOUGH ! I so funny !!

[@RichardMoore-jg5tl]

As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

[@NicoleBarker-he2vp]

Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge

[@RusuSilva]

A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@mohican-jx6fx]

How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@RusuSilva]

Christine Ann Podgorny is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

[@mohican-jx6fx]

I appreciate it. After searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.

[@EverlyndPerez]

I’ve been saving for a long time instead of investing, and right now I only have about $516k. I'm not sure how to make it grow, considering all the inflation, into something substantial that I might use for retirement. I just here for ideas

[@Debbie.Burton]

At a point like this, when the pressure is already on you to retire, its best recommended you seek the services of an advisor, as this allows you make smarter investing decisions.

[@A_francis]

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

[@judynewsom1902]

in times like these, it's crucial to be cautious and not rush into the market , Who is this your FA , my portfolio needs urgent attention , been a lot of loss.

[@A_francis]

*Sharon Lynne Hart* is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

[@Theresaa12]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@godfreymashale9323]

My wife and I did very well in the amount of money that we amassed for retirement. Well over 80% of that money averaging about $2 million was made because of taking advantage of buying high-end stocks at a deep discount during the Great Recession. 2009 I fired the stockbroker got rid of all mutual funds and bought individual dividend stocks. Be patient don't get scared and do your homework and you can make a killing.

[@jerryscotfield6913]

Well, the top players and pros have exclusive information and data paths that are not disclosed to the public. Knowing the strategies to use during this time is one thing and having the right information to execute them successfully is another.

[@clairefrewman1456]

I agree. Based on firsthand encounter with a fiduciary counselor James Fletcher Brennan, i have $385k in a well diversified portfolio which has grown by 3x with compounding, venturing doesn’t necessarily boil down to money but you also have to be informed, be patient and back it up with good hands

[@walter.dlawson2580]

That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well.

[@clairefrewman1456]

his name is James Fletcher Brennan

[@walter.dlawson2580]

@@clairefrewman1456 Awesome! your potential seems limitless. I'm fascinated with investing, I’m delighted to engage in this opportunity, I just found his web page and have already written him. Thanks!

[@KnowledgeIsPower19]

Following Dave Ramsey financial advice has completely changed my wife and I’s financial situation completely! I’ve built my KZbin channel on telling people about Dave Ramsey’s principles and talking about the issues Dave Ramsey talks about. I think people today just need to stop chasing the joneses and start being financially wise

[@AStanton1966]

People jones over the Joneses.

[@donmoore1577]

We have alot of financial tragedies in our family..we survived due to Dave's advice.. listen..no debt = no stress..Thank you Dave for what you do.

[@everydayhu-man2411]

Before I found Dave, I was paying $1200/month to rent an apartment I never even got to use because I was too busy working all the time. Now I live in a Van, rent free!!!

[@MyLady22]

That’s great! I did something similar. I down graded to a cardboard box and now I’m saving so much money it’s crazy!

[@LazyCrazyGuy]

@@MyLady22 haha 😂

[@katyh.2501]

If you don’t live at all you can save all your money! Think about it!!!

[@urbancitygirl3696]

Everyday Hu-Man A Van 🤣😂

[@MrJM-zr1hk]

Come on people, get serious it's not that difficult, if you want it.

[@kellymurray8376]

Good financial info should be given and taught in schools all over America. Thank you Dave for giving good financial advice. 🙏🏾🙏🏾

[@nicholasselke5214]

Here’s one piece of advice that you don’t need a class for: if you don’t buy a bunch of crap you don’t need, you’ll be able to save and stay out of debt

[@PythonDelta]

​@@nicholasselke5214sky is blue

[@saka2456]

They didn't treat me right at my previous job. So I left and moved. Got a new job that pays 9k more. Rent went down (will eventually buy) and work culture is better. Glory to God. I'm on a written budget as well.

[@juanfelipe8484]

You’re awesome, great job

[@Rubie-q4s]

I genuinely mean it when I express my stress and concern regarding the market crash and high inflation, particularly in relation to my retirement. I have been experiencing losses for quite some time, and while some may argue that crises can present opportunities, I am feeling overwhelmed. However, I understand that investing is a long-term endeavor, and it is crucial to maintain focus on the bigger picture and the long run......

[@DedeBargmann]

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $760k by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns....

[@Golda-ln3ri666]

how do I get in touch with this consultant that assist??>>>>>

[@DedeBargmann]

STEPHANIE KOPP MEEKS, that's whom i work with look her up and thank me later>>>>>>

[@Golda-ln3ri666]

Thanks for the info . Found her website and it really impressive

[@Corkfish1]

If a JANITOR in VT can end up leaving an $8 million dollar estate, ANYONE can be financially secure.

[@Corkfish1]

@@generalvanman8270 move.

[@felem7504]

You can find cheaper rent in other states. No reason to stay in California.

[@FreshKicks4545]

That's why I'm thinking of just staying as a janitor than educator. Yes you can be a janitor and own a home in California.

[@danielremple6417]

@@FreshKicks4545 Start your own cleaning company! You can make millions

[@FreshKicks4545]

@@danielremple6417 ideas????

[@Donnafrank-k6e]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family

[@BrandonIvan-c6e]

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

[@Donnafrank-k6e]

@@BrandonIvan-c6e However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

[@BrandonIvan-c6e]

@@Donnafrank-k6e Oh please I’d love that. Thanks!.

[@Donnafrank-k6e]

@@BrandonIvan-c6e Clementina Abate Russo is her name.

[@Donnafrank-k6e]

Lookup with her name on the webpage.

[@ChrisInvests]

Dave has helped millions of people. Why would people rank him down? Obviously his information needs to be used with a grain of salt 🤷‍♂️🤔

[@lawerencemiller9720]

I'm considering a review of my $60K portfolio allocations, particularly in light of the pause in interest rate hikes. I'm eyeing some high-risk, high-reward opportunities. Crypto and emerging markets seem intriguing. Anyone else exploring these?

[@alexyoung3126]

The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner

[@williamyejun8508]

the best market strategy is to work with a credible investing coach. Since a while ago, I've been in touch with a coach, mostly because I lack the depth of understanding and mental toughness to deal with the ongoing market conditions. You lack the information necessary to succeed in a competitive market, not because you're doing anything wrong, but rather because of your lack of experience.

[@jessicamoore3093]

That's great! A colleague made this suggestion but I didn't know how to go about it. Can you tell how I can get in touch with yours?

[@williamyejun8508]

Lisa Angelique Abel, you can read up on her, she's quite known and her works speaks for itself.

[@jessicamoore3093]

Thank you so much! I found her webpage and left a message. Hopefully, she responds

[@justownyounetwork1943]

1. Recognize You Need to Change 2. Implement that Change 3. Stay Disciplined

[@sonsofbiscuits1]

So simple, yet difficult for most to do, due to number 3. The most beneficial things do tend to be simple though right. But human behaviour and poor habits get in the way.

[@anatolyivan]

You work for a 40yrs to have $1m in your retirement, meanwhile some people are putting just $10k in a bitcion coin for just fe months and now they are multimillionaires thanks to Charlotte Grace Miller

[@mary_.1peterson]

After I raised up to 125k trading with her I bought a new House and a car here in the states also paid for my son's surgery Glory to God shalom.

[@mikesnoek]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@Piligarcia-zs7bo]

I'm new at this, please how can I reach her?

[@stephaniebeddis8069]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@anatolyivan]

she's mostly on Instagrams, using the user name

[@PreeMarket]

3:50 “so leave” I felt that way one time and was told this is the best place. I left and it’s been roses and bubbles ever since. Leave any job that don’t value you... monetary wise and you as a person

[@stanleyfujiwara1394]

I’m a dividend investor My wife and I have invested in the s&p500, both through my TSP with the government, and through Fidelity in her 401-k.Cashed out 270k from the S&P and invested with a Full service broker ... Until around 3 years ago we were 100% in the s&p after over 30 years.I'm retiring at the end of this month at 59, while my wife will retire next year at 54. We currently have 1.7 million in out tax deferred savings..

[@katelynrenesse4798]

Great story and congrats!! Enjoy your retirement because you were one of the smart ones!!! Salute!

[@jakehart9346]

you made that much from s&p500!! do you by any chance do referrals on your broker?

[@stanleyfujiwara1394]

@@jakehart9346 yes but it took some effort trust me ,Certainly I do but i can't actually leave details on here, you could do that yourself her name is Nancy Jane Gluck, she's quite known ,so you can look her up and you would see all you need to know..you could connect with her on her webpage..cheers

[@xyzxyz4575]

consider Panama, Malaysia or Mexico!

[@markmccarty1275]

I followed a similar path and retired a few years ago at 59 with a net worth just over 2M. I didn't use a broker but read everything I could on personal investing and taught myself. Steady investing over 30 years in low cost growth index funds in my Roth and 401K along with living within our means was the secret for us. It's not a get-rich-quick scheme by any means but slow growth over time.

[@kylechallis]

Love your stuff Dave, huge motivational speaker for me and others need to listen to what you’re saying. I am a 21 year old college student, going to graduate with a business degree and $0 in student loans. On pace to have my car paid off and $20k in the bank in a year and half when I graduate. THANK YOU!

[@americantime3606]

Unbelievable I was owing about 10k grands in my credit card which I used in paying my Bill's when I had no cash, when I told neighbor about my condition, he told me about Mr Donald 𝐓𝐞𝐱𝐭 𝐡𝐢𝐦 𝐨𝐧 𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩 +𝟏(𝟐𝟎𝟓) 𝟒𝟒𝟐-𝟒𝟕𝟎𝟗, and fortunately he helped me and I cleared all my debts.

[@williepotts1383]

College is for some but not ALL! I have a Daughter who has a nursing degree and it has set her up for life. I have a Son who is in HVAC training, making great money learning on the job. They took different paths but have clear cut direction, just different paths! Love them both, love thier freedom and happiness 👍💯

[@naca1553]

Go Kyle!

[@jesseallen8534]

This is one of my favorite Ramsey videos. He gets straight to the point and will always be there to egg you on!!! Let’s go Dave!

[@CadeCowell-ft4fe]

I am looking for tax efficient way to rebalance my $800k portfolio without triggering capital gains tax. what asset location strategies should i use to generate enough dividends?

[@MalikTillman-dy2qp]

The best strategy depends on your financial situation, account types, tax bracket, and investment goals. Consult a financial advisor or tax professional to tailor these strategies for maximum tax efficiency.

[@Oliviathe17th]

My advisor helped me rebalance my $2M portfolio without triggering capital gains taxes by using tax-advantaged accounts and reallocating dividends and new contributions. They also recommended tax-loss harvesting and strategies to stay within my tax bracket. Thanks to their guidance, I maintained my desired asset allocation while minimizing taxes.

[@Altintope]

Hey friend, can I work with your Fiduciary?

[@Oliviathe17th]

Yeah, she is Jennifer Leigh Hickman, look her up. Anyone is free to contact her.

[@Nateknighty]

Searched the web and saw her profile and accreditations, someone with great experience I must say, thanks!

[@Catsarecutey]

When Dave says North America instead of America it feels amazing.🇨🇦

[@stephenpotter21]

I once watched a Dave Ramsey show talking how an investor turned 94$k to $300k in three months. I don't remember the details of the video, but I will appreciate any tip on how I can do this too.

[@cloudyblaze7916]

It's very much possible. The maximum profit I have ever made in a quarter was about $600k. Its hard if you're not an expert though. I'm no expert, and so I invest through a financial advisor. Maybe I'd have made more if I could do it myself, but I'd rather not lose all my money.

[@brownkloops2328]

This is the first time 'm hearing about someone like this. I have been investing myself for a while now, and I've lost a huge sum. I had even lost interest. How can I find a good advisor? Or better still, could you recommend yours?

[@cloudyblaze7916]

I really don't like making such recommendations, lest I get labelled a bot. Lol. But there are many freelance wealth managers you could check out. I have been working with Sharon Louise Count for about four years now, and she's made decent returns. If she meets your discretion, then you could go ahead.

[@victorlaranjahal]

I think I've heard about that name before somewhere in an interview, but I can't really remember where. i'll check her out. Any idea if she manages family fund?

[@CameronBrtnik]

the bots have arrived to destroy us all...

[@g8rayrr]

I've listened to this same video over and over again. Dave always reminds me to stay on the path I've been on for years. I will be a multi millionaire in my near future. Thanks dave

[@markg999]

Debt free no mortgage since December. It's all about living below your means and investing. Do that odds are you will be in great shape.

[@philsmgb4393]

"What's in your wallet??!!?? My money, not your stupid card!!!!"

[@JacksonDuprey]

I like Walmart, but I am becoming a welder/machinist so I can make more than 11.22 an hour in the future. I will run my own business someday.

[@jerrycinor789]

Action Jackson good for you. I’m a plumber. Started at 19

[@cowgirlinla22]

Good plan! My husband is a welder, makes about $75k in the Denver area, and I stay at home with our kids. You can do it!! Get out of a shop and get mobile! Much more money to be made if you are a mobile welder!

[@JacksonDuprey]

@@cowgirlinla22 you have less expenses of running your business when your a mobile welder.

[@cupbowlspoonforkknif]

There's money in the trades and I love making things with my hands!

[@Simon-oy7kf]

So you running your own buisness already?

[@gummy695]

I wanna be wealthy enough for one day tip a waiter $100, pay the toll bridge for the 3 cars behind me, and put a $50 bill in a blind person's cup

[@rnupnorthbrrrsm6123]

Believe it or not, you don’t have to be wealthy to do those things ! God wants us to give sacrificially, not just our surplus. Trust me, if given with a servants heart the return will be multiplied and in ways you can’t imagine. Don’t give thinking in a few days that money will come back to you 10 fold, that’s not how we receive God’s favor, he will bring blessings in many ways and in his time !!

[@ZaoZaoification]

basically you want the endorphine rush from it, you're not helping anyone doing any of that

[@pac-vy1nj]

You will never be wealthy if thats your goal, Bc hey your to giving to ever have.

[@ascendingneet2263]

Same

[@GonzalezEzekiel]

I took a screenshot of this, hoping to do this :)

[@denisomeara6140]

That's the same advice I got from my parents 45 years ago. All I hear from people is blaming other people for their situation, they must have no mirrors in their house.

[@edwardwicks304]

Some of the most practical, simple, common sense advice I've heard in a while. I will be applying it so I will become debt free. Thanks.

[@SKBottom]

You really only need the baby steps. Just follow those and you will live a very financially happy life.

[@sabrinaa4872]

How is it going a year later?

[@recluseauhermitticus2033]

How does it feel being the ONLY SPECIES ON EARTH. . that has to pay for permission to live?? And maintain the division of your species by constantly fighting over money??. . i don't expect any of you to be mature enough to actually answer.

[@TheOne-vf2yw]

This got me more fired up to go make something of myself more than my teacher telling me I’ll be nothing! Thanks Dave!

[@person-ey2ct]

That's the spirit...i believe in you!!!!

[@dinarachel7]

“You are somebody special!” 🙏😇 ~ New Teacher

[@philenealvarado5008]

@@snatchinitback4635 Imagine a teacher trying to break a young spirit with such toxic words. I believe that is classic projection of similar words someone or a parent projected onto them.

[@Musicienne-DAB1995]

What kind of teacher tells you that? Sounds like he or she wants you to remain backwards. Break the cycle!

[@SandeepKumar-jk1sl]

Mr. Ramsey's rant is so much of an ointment, a balm, over so much financial foolishness, which i or pretty much anyone else can do or get into. I am debt free but every time i get the slightest urge to go into debt (car, home..), a video like this comes up and he pretty much makes it go away instantly.. i surely dont want to give my money to banks so that they build taller buildings in downtown (in pretty much every city) and have nicer furniture!

[@dylan-murphy]

Dave Ramsey changed my life. Period. Now I’ve changed my family tree. Generations after me will be incredibly wealthy because of what I did based on the advice of Dave.

[@tiffanylandes2345]

It's so great to see so many young people commenting their successes. There is hope for the future!

[@canman5060]

The key to stay wealthy forever is to budget and know what is enough.

[@skolar702]

"When you don't have any payments, you know what you got.... Money"😂😂😂 That's so simple and so true. That's something we can forget though.

[@Gas_man]

But that’s an incredibly simplistic view of finances. Many people leverage their debt to allow their money to work harder for them than if they simply paid off their debt. This leads to a higher net worth in the long run and many people who are loaded actually carry some debt.