Americans are flocking to ‘low-income tax states’: Dave Ramsey

‘Baby Steps Millionaires’ author Dave Ramsey joins ‘Fox Business Tonight’ to discuss advice for Americans regarding inflation.
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[@HodgeChris]

More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.

[@PatrickFitzgerald-cx6io]

The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.

[@brucemichelle5689.]

This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.

[@Pamela.jess.245]

How can I reach this person?

[@brucemichelle5689.]

Marisa Michelle Litwinsky’’ is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

[@Pamela.jess.245]

I checked Marisa up out of curiosity and i must say i am impressed by her Credentials. i emailed her already, waiting on her response.

[@johndodson8464]

"Don't try to balance. Prioritize." Great advice as always, Dave.

[@porterosbournejr.5083]

FYI - Texas is not a low tax state. Their property taxes are outrageous.

[@gavip24]

Higher then Illinois? 🤔

[@yodaguy6956]

They're even higher here in NH. But we don't have any state income tax or sales tax, government needs it's money from somewhere. I'd rather it come from that than directly from people's checks

[@SarahR2D2]

Its still better than NY.

[@jglee6721]

I think TX property taxes is about 3-4%. CA income tax is higher than that.

[@porterosbournejr.5083]

My $500k house in Dripping Springs ISD (Austin Area) was just under $1k per month in taxes. They were about to go over $12k annually before we left in 2019.

[@scottbutler2343]

1. Remember why you left when you come to our state and vote accordingly.

[@jkwyx8290]

Lol, so effing true brother. Unfortunately it's mostly wishful thinking.

[@howardingalls9357]

So true my freind better vote red

[@n1c704]

Unfortunately, they won’t, and unfortunately the states accepting them in aren’t turning down that sweet CA/NY money. At the very least limit voting in local elections for the first year of paying taxes.

[@graceweber2822]

Colorado comes to mind. It used to be a red state.

[@scottbutler2343]

@@n1c704 There should be some sort of cooling off period when people move to other states...though it could just delay the inevitable.

[@sandrasprint1801]

Unfortunately, when a lot of those transplants move, they tend to demand the same policies that caused the move in the first place.

[@co.sanders4871]

Exactly. They are idiots pure and simple. They will pollute your state with their woke views. I think Florida will be in trouble next voting cycle.

[@LG-oq4dy]

Arizonans being driven out too. Housing is outrageous. Traffic is like never before and crime and homeless going up. And worst yet many bring attitude.

[@jujuapple6706]

@@co.sanders4871 Nope! Florida will not b in trouble when it's time to vote,!

[@sandrasprint1801]

@@jujuapple6706 The left is pouring money into TX thru a wide mouth funnel. They desperately want to turn Texas blue.

[@ZagreusTheGod]

Honestly, the easiest deterrent/litmus test to this problem is reserving most of the privileges comes with residency by creating a very long waiting period to get residency e.g. 25 years, and forbidding the ownership of real estate and a special vehicle tax and state income tax that must be paid until residency is established. In addition, award a limited number of residencies each year. Since state residency is a voting requirement in most states, it will keep the cultural and legal outlook from changing drastically. These measures would for these transplants to really think over if they want to leave their home states or not.

[@merhabaworld5924]

The huge issue now is this is driving up the cost of housing in low income states, where income isn't increasing for those that already live here. People from these democratic states tend to make more money and are out competing those with lower incomes. Cost of living used to be great where I live but in just a short amount of time, houses/apartments have shot up in price. Californians can pay those prices typically, a resident that's lived here a while cannot.

[@jglee6721]

You're always screwed if you don't own a property and the prices run away from you.

[@cybertrk]

Move to cali

[@stephenhanlin2388]

@@cybertrk Y Commiefornia?

[@stephenhanlin2388]

@@cybertrk the land of fruits & nuts

[@John-hw3ds]

It's more that real-estate investment companies who have generally stayed out of places like florida have flocked here. So along with wealthy individuals and these investment agencies, have priced everybody out of homes. When you qualify for a loan at the appraised value and a company comes in and offers 5k more in cash, we just can't compete. Then they rent it out.

[@irishboy415]

Dave always shows class and his message is always the same. I love his consistency. Thank you to all the veterans…you deserve so much more !!

[@curtisleblanc424]

play I tell you what I'm the one that's going to put not y'all that's why I don't care ain't nobody over there cares a bit they just want us to suffer more

[@johnzabik270]

Vote to get rid of Biden and the Squad in the next election 🚙🚙🚙🚙🚙🚙🚙🚙🚙🚙🚙👍👍👍..Let's Go Brandon!!!

[@isaidit4720]

nobody voted for him to begin with. the voting was all RIGGED!!! We need to get rid of our government

[@ursulamullikin4723]

That is not going to happen their in fear Trump will run and win

[@micheleh4016]

We live in a no income tax state. But the reality is that these states have to make up the income elsewhere so they higher property taxes, higher vehicle registration costs, etc. Don't move because of state income tax.

[@gstormcz]

I understand many american people travel for jobs, but I see now they move for taxes too. Want to say : If someone has say far bigger income in high income local tax, then its good option to change address. I live in Czech Republic, work at same company for 16y, its surprising me each another year..but I like place where I live (whole my life, 48y already) and l like fact my job is just 10min walk from house.

[@gstormcz]

@@Dominic-se9ny It was similar here in Czech Republic, just small business were closed for that threat of covid, but big companies, many of those gov billionaries were running, later workers even wo face masks, while you had keep face mask everywhere else and keep distancing. They were punishing only small one man business. Vaccine was publicly promoted with strong accent, it was almost compulsory. Finally some senators made complain thats not vaccine, as it doesnt protect. But billions in public social insurance were already lost in someone pockets. Same with rapid tests on covid, were compulsory for 2months, it was sold by single guy who made billions out of single Million that couple of weeks of government special exclusion of tests not needed to be approove by gov health bureau. Mafia, fraud, political dirt all around.. Stay strong, dont let them agree every BS. (for me it was just not able to go hairdresser, as I didnt want get vaccine, but as it proved to be ineffective, it was everything about discrimination and money)

[@joeb1522]

You should look at overall taxes. Texas doesn't have an income tax for individuals, but it does have really high property tax. California has a very high income tax (13% and proposals to increase it to 18%), super high property tax, and moderately high sales tax. Moat the states with no income tax generally have low overall taxes.

[@co.sanders4871]

I live in Mass. New Hampshire is no tax. The prices in total of mostly everything is the same, or oddly more in New Hampshire.

[@mattdecandia9607]

Well I grew up in CT and have lived in TX since 87 . No property tax is average or on the low side and I live in highest property tax city in TX .and what ? It costs a 100 bucks a year to register my truck and I buy new every year . Total BS .

[@TashenaNicole]

I like what he told the veterans, about the country should be doing more for them.

[@sagatuppercut2960]

Hoowah!

[@rider92131]

Good interview, but two corrections: 1. South Carolina DOES have a state income tax. Fortunately they treat retirees particularly well with exemptions for qualified retirement income -- and even lower property taxes. 2. People are not moving to "low INCOME" states. They are moving to low COST states. Many wealthy people are moving to TN, SC, FL, or one of the many other low cost states. They move their to improve their standard of living -- though often the increase in personal freedom and choice can be a major factor. BTW, I spend a lot of time researching and writing about this topic. MANY variables to consider, but the state I recommend most is Tennessee. But whatever state you choose, do NOT live in the big cities. ALL big cities provide higher taxes, higher home costs, more crime, and more "woke" laws. Almost all such cities are owned and operated by the public employee labor unions and the Democratic Party.

[@kindrakinyon8559]

Thank you for correcting that “no income tax in SC” gaffe. I live there and most definitely do pay income tax!

[@vden02]

Stop it! Tennessee is being destroyed by these refugees.

[@gabeobrien6889]

@Dodd Frank Whoever wrote the title of this video cut too many basic English classes. It should have said "low income tax," instead it said "low-income tax." Very different things.

[@sippingtea4743]

Love Ramsey Solutions!! Because of him I paid off my house during Covid and became an everyday millionaire using his method and we never had a high income.

[@aedendchau]

Congrats on your debt free journey!

[@agt0076]

🤣🤣🤣🤣🤣

[@cindyrobertson3798]

Wow! How?

[@sippingtea4743]

@@maeudaou7347 no I don’t work for him. I am a 58 year old woman. I followed his plan. It was slow and steady.

[@sippingtea4743]

@@cindyrobertson3798 I followed his plan. It works and was fun. My husband and I followed his plan for a long time and it worked. I am deeply thankful.

[@John-hw3ds]

Iv lived in Florida now for 10 years. The amount of people that have moved here is unreal. I was happier when everybody hated on Florida and we just had snowbirds here for part of the year.

[@co.sanders4871]

And the radicals that moved there from woke states will ruin Florida in voting. Just ask New Hampshire. Massachusetts has and is killing them.

[@yodaguy6956]

@@co.sanders4871 as a NH resident, I am concerned about the influx of the Mass mentality, I hope the Free Stater types help balance it out for awhile at least until some can acclimate to our ways of doing things instead of trying to change them.

[@heslind]

@@yodaguy6956 you’d be surprised to find out many Mass folks think similarly to you NH folks.

[@yodaguy6956]

@@heslind ha those types are welcome in the 603, the others we're still happy to see for shopping sprees and ski vacations

[@HipHopLuv123]

@@yodaguy6956 I live in NH too and the many license plates of New York and Massachusetts is alarming

[@nebraskafarmer9015]

If you have a teenager old enough to drive, you have a teenager old enough to work! He/she should get a job and pay for that car and its expenses.

[@betsyross2.065]

That's not the point,no one has any money

[@rodiculous9464]

Exactly, make them drive Uber or something. This dude is giving boomer advice "oh just sell everything and count every penny" no get assets that can produce cash flow and then use that cash flow to get more assets that can produce cash flow ad infinitum until you're michael bloomberg

[@1977Kingsolomon]

@@rodiculous9464 exactly. I’m not for any political rhetoric or finger pointing. I got an asset 2 years ago and it produces a recurring, predictable cashflow. I used the stimulus money (as well as my own) to help acquire it. I don’t mention what it is because I am not here to shill or promote one asset over another. Read, learn, listen and you’ll see that there are tons of opportunities to do likewise.

[@derick3482]

the same as saying if you can't afford your tuition you don't deserve the education

[@derick3482]

@@rodiculous9464 no ridiculous that's ridiculous let the immigrants do those works cab driving food delivery cmon? get a real job and physical ;labor EARN IT OWN IT

[@danven1256]

There has to be a tremendous amount of people moving out of California. I rented a U-Haul trailer for a local move and I asked to also rent some moving blankets. They told me they didn't have any . They checked around the whole of Sacramento and no one had any because they've gone with trucks out of state. But that's what happens when the state treats their hard-working people as enemies.

[@10elijiah]

They vote 🗳 for the enemy they keep Gavin in office

[@ADG-pl7ur]

Could be, however they won't stop building homes in CA

[@johnnyperez1969]

@@10elijiah Right!!

[@romanjaimes4948]

All I know is CA is full of people..a few hundred thousand don't make a difference

[@johnnyperez1969]

And more will follow!!

[@mikefinley4367]

The more people flock to those states the more the cost of living and purchases increases.

[@scottbutler2343]

Truth! My home in Florida has nearly doubled in value over the past 2 yrs. But we still don't pay income tax.

[@jkwyx8290]

Yup, Florida is becoming both unliveable and unbearable.

[@joelbeaver1093]

@@jkwyx8290 Yes it is and I was born and raised in Florida

[@ttemoj]

It is the same story in Texas! Houses in DFW are 2.5 to 3 times the price it was less than 10 years ago! But still no income tax! These same people tired to vote state income tax here in Texas and the governor had to make a new law into the state constitution so there will be no Texas state income tax! How stupid are these people!

[@weed491]

I wish these liberal losers would stay the hell out of Tennessee!

[@anthonyjames1919]

Stay away from Tennessee unless you vote Right of aisle

[@glenchristensen3689]

don't under estimate Joe Biden's ability to screw things up -

[@Chicago48]

It's not Biden screwing things up -- it's the world. Biden didn't start the supply chain clogging up. We've been down this road before, at least I have about 2-3 times previous. You just have to know how to pivot. Learn to cook instead of eating at a restaurant, that's a luxury. Yes, buy an electric car or get a smaller sedan. Most Americans are driving SUVs and Trucks....why? Get a small sedan. I betcha there's going to be a run on small cars....here we come Fiat and Mini-Coop.

[@Richard-yg7nj]

Haris be like Joe I got this.....

[@clintongrim6230]

like trump did

[@Richard-yg7nj]

@@clintongrim6230 freedom to move anywhere you want

[@Richard-yg7nj]

It's Now expected

[@marlenedavidson9173]

I raised 5 kids alone..it was HARD but with God's help we are all alive & well..🙏🛐🇺🇸

[@Sirach144]

I live in Florida and my teacher salary supported my life until everyone started moving here. Now my rent has gone up over $400 a month to almost $2,000. And it's insane here. If I see another New York tag I'm going to throw up

[@mikefucius7720]

People have been moving from New York to Florida in droves since the early 2000s there's nothing new about that I've been thinking about it myself but just rather live in a Super C motorhome out there and find different spots throughout the state.

[@Sirach144]

@@mikefucius7720 no. This is because of the Pandemic and low taxesb I've been here 34 years and we have never ever built this many homes in mass.

[@VanquishedAgain]

Why didn't you buy a house?

[@Yandel21ableify]

Florida is the new New York

[@missadda8890]

Its a retirement state and always has been their taxes pay your salary but their kids were educated somewhere else if all the retirees left the place would be a ghost town and broke to boot.

[@chrisbrian433]

Everything is getting from bad to worse at an incredibly fast pace and we're all forced to adjust quickly. I very recently moved to Texas and things are still hard up here. At this point, I am more interested in more practical solutions. What is the way forward for the less fortunate ones like me? How do we survive this phase? I am slowly losing my mind.

[@timsherwood7564]

Other "practical solutions": Spend only on necessities, Vote wisely, Always invest what you can and while at it, ensure you spread your investments (locally and internationally) but of course be well informed about where you want to put your money. Made my first million this way earlier this year (got help though). Can comfortably wait out this "phase"

[@nielgibson5605]

@@timsherwood7564 Amazing approach though its quite not that easy... What do you mean by you got help? I could definitely use help right now. I look forward to your reply

[@timsherwood7564]

@@nielgibson5605 Lol, I can honestly relate. By help, I mean I got the services of a pro investor. I don't know if I am permitted to drop it here, but her name is "Nancy Lynn Lewis". Was in the news a lot in 2018. You can check her out online for more.

[@thehunter9853]

@@timsherwood7564 She's got a pretty decent bio and seems American. Does she work with foreigners?

[@Mrcarlson_E]

Easy on yourself Panic will cause more harm than good

[@tpoz48]

The talking point against electric cars is the cost. That's a valid point. However, there is another big negative to electric vehicles, The Battery. Batteries are not a dependable source of energy. A dependable economy needs dependable energy.

[@KeithCindyPanama]

Dependable economy??? With the clown administration???

[@philmarsh7723]

The prime problem with EVs is that we're building them wrong. The car most of us actually need is: 1. Engine connected ONLY to a generator. 2. Engine used for 3 purposes and has three settings i.e. A. To charge the battery and run the electric motor(s). B. provide heat for the cab when necessary. C. provide heat for the battery when necessary. For point 2A, the engine runs at ONLY at the RPM and loading which maximizes its thermodynamic efficiency. 3. The battery should be plug-in and have a range of 50miles maybe up to 250miles depending on how long you want the battery to run. This is a trade-off of initial cost vs. "fuel" cost and use case. Why in the world are they making plug-in hybrids where the engine has a mechanical connection to the wheels. This introduces unnecessary cost and complexity and reduces reliability. Just stop this please!

[@55dionysus]

@@Anonymous-ld7je graphite batteries are coming on the market later this year . Things are changing sooner then you think .It was lead acid for centuries , battery technology is changing as fast as cell phones or computers .

[@monkeysezbegood]

What? You can power you own car with solar. Reliance on no one. This guy can't detail with change is all.

[@55dionysus]

@@monkeysezbegood power plants that use solar to supplement their electric output . You use solar off the grid to charge the car . Model T's were on the road into the 50s . Electric cars will replace my newer Dodge RT the same way .

[@realsteel8113]

But they voted for it🤔 Been telling them for years that’s what happens when you vote democrat 🙄

[@youngtimer964]

My state has been Republican controlled for 40 years and continues to pile on the taxes.

[@waterheaterservices]

Communism is costly, support The Party!

[@stephensepan291]

show me one republican place where there are no taxes.

[@davidfence6939]

@@stephensepan291 no one said that. Show me where it was stated? Don't say it's implied.

[@davidfence6939]

@young timer don't worry Democrats just force you to pay for everyone else plus non-citzens and pile on more taxes. My state may be Republican run, but my city is Democrat run and it has more issues than they can count.

[@douglasjgallup]

I live in Knoxville TN and our rents went up 30% in one year. I'm not saying "don't move here" but be aware it won't be so cheap for so long

[@bedtimestories1065]

Moved to an area that's about 1.5hr away from Knox. I was going to move there until I saw the rent prices getting so much higher. It never ends man.

[@JasonAThornberry]

It's all about perspective. 30% rent increase in Knoxville is still way cheaper than rent prices here in Los Angeles.

[@stephensandiford3981]

@@JasonAThornberry not for people from Tennessee who don’t make as much as Californians

[@JasonAThornberry]

@@stephensandiford3981 How much do you think people in California make?

[@stephensandiford3981]

@@JasonAThornberry I don’t know every person in California but they always brag about their state funds red states plus just about every job there has labor Unions

[@rnman99]

My bro from the military bailed from CA to TX, he sold his house, bought a nice house and can probably retire off the rest.

[@Sirach144]

But they are killing the natives there

[@megaprimegamer1184]

I mean that’s a big deal there. He sold a low property tax asset for the highest property taxes. In California it’s the entry barrier that’s high for houses whereas in Texas, it’s always the current tax rate that you’re paying.

[@kamalaharrisloveskneepads3229]

We welcome all people but we ask that you leave your politics at home. Don't vote for policies and politicians that destroyed the state you're coming from.

[@ladyluckradio305]

They still don't get it

[@whatsupwithsteve]

I've read so many posts from people who plan on taking their views with them and expecting people to accept them.

[@kamalaharrisloveskneepads3229]

@@whatsupwithsteve I have to. However there are a lot of people waking up to what is happening. I have personally spoken with people from California who moved to my state and have registered to vote in the upcoming midterms and these people like what the Republican governor is doing.

[@vickietrosclair4896]

@Steven Smith You are joking. When Biden was in the condition he was in bc you could see something was wrong and he stayed in basement. You still voted for him. So no you are not worried about this country. Looks like to me Dems needs the country ran into the ground and get free money.

[@juliebenjamin9641]

@Steven Smith The Democratic Party believes in the USA? They are handing everything over to other countries while our country suffers from the inflation going on. Do they even care about the Americans?

[@zeuscasey]

As someone who lives in northeast Ohio, and is looking to buy property and build a small house outside of knoxville tn in a few yrs and use it for vacation/retirement home. It's a little scary to hear about all these people from California moving Into the state. They have destroyed California beyond belief and will continue to vote the same way. Ten is an amazing state, we have been there about 5/6 times and really want to make it our retirement place. It's just a little frustrating to hear about the migration from California. Flordia is nice, but I just feel like in 10/15 yrs it's just gonna be overpopulated, and the summers down there can be just brutal.

[@cherylhart9578]

California is NOT destroyed. I live in San Diego, and its beautiful and safe. We are the 5th largest economy in the world, and supply much of this countries food. We are the biggest donor to the federal government which helps all the poor red states. Thank goodness for California. Almost all the GDP created in this country are in blue states and cities.

[@LOLZHAHANOTFUNNY]

Come to Arkansas! Gorgeous weather and the countrysides are still open and private and full of wildlife. Very low cost of living as well

[@mcarlkv53]

lived in florida 10 years.....left....still miss it sometime....PROS: weather, Churches, beaches, coasts, big cities (Tampa, Orlando, Jacksonville) then a few miles down the road nice and rural...Long drives with car to cruise, good restaurants-lots to choose from, great wildlife - gators, manatees, panthers, etc..cool to see, Disney World, Universal Studios, Sea World, etc...Daytona 500, car shows, Sports teams, Football, College and Pro Football, Spring Training, Nightlife, no snow, .............CONS: Lower wages, lack of quality healthcare and doctors, southern inefficiency, bad attitudes from southerners and Floridians, Puerto Rican gangs, emphasis on Spanish language and culture, Expensive housing, Hurricanes, insects, bugs, small lizards running around, a feeling of "NO CULTURE", Lots of wealthy, elderly people, and snowbirds that are arrogant, no change of seasons, that state just gets on your nerves after awhile...

[@RealmCenter40]

Make sure you research their gun laws before jumping states.

[@salesadmieze9049]

Well I'm pretty sure California New York don't have very good policies when guns

[@davidleadford6511]

Hope they aren't stupid to vote Democrat in those states which caused their high taxes in the first place.

[@son0fsocal]

Unfortunately many of them are VERY STUPID and vote for the very thing ley ran away from.

[@LN-Lifer]

They are That's exactly why the red states are going purple

[@youngtimer964]

My state has high taxes …. caused by republicans

[@davidleadford6511]

@@youngtimer964 Move to a blue states, where high taxes are caused by Dumbazzcrats.

[@bryanbrett8943]

Don't worry....all the people flocking to these states WILL continue to vote the same way as they did in their previous states!

[@markhansen4258]

I retired in 2015 and moved from Texas to Tennessee. We had a small income tax on interest and dividends that's since been phased out. My property tax on 10 acres with a smallish 3 bedroom house is under $500/yr. Sales tax is higher than Texas, but maybe by 1%. In Texas my property tax was approaching $8,000/yr.

[@bobbenoit8470]

I like Dave Ramsey and agree with most of what he says. I noticed he said that SC was a no tax state. I live in SC and I pay state income taxes here; so, I'm not sure what he's talking about. Maybe he got it confused with another state???

[@youngtimer964]

He is wrong but he’ll never admit it. Sound familiar?

[@same.7939]

Lol he was definitely wrong on that, but wouldn’t be the first time.

[@kelmike060404]

He’s wrong I pay roughly 7% 😒here in SC

[@juancarlosaguirre3639]

Hello brother Dave, God bless you, I listened to your show every night about 13 years ago, I took your advice about my 30 year mortgage, I refinanced it every chance interest was low and sent as much principal as I could afford as a single father, well I finished paying it off in 16 years instead of 30, thanks to you a sold it last year and double the gains and I gave most of the money to my daughters in time of needs. And after I finished paying it off I rented it out and got another deal since 2013 and my current home already double the gains and my mortgage with 2% interest rate is cheaper than renting and apartment. I thank God for people like you and your family and your team. Thank you God bless you

[@deepdude4719]

Thanks to you for sharing this. I find it as a wondeful advice.

[@sirferr8902]

You should be very proud- 👍🏽

[@h.m.536]

“Go buy an electric car” is the new equivalent of “Let them eat cake!”

[@orneryoverwatch7031]

lol it's the new "lost your energy sector job? Just learn to code!"

[@jglee6721]

@@orneryoverwatch7031 When I was working at Halliburton (Oil service company) before the big layoffs in 2020, I was dumbfounded to see many employees wanted to vote for Let's go Brandon.

[@MSgt_0699]

Um...not at all. Those mean very different things.

[@jakeslist569]

@@jglee6721 I used to work for BJ Services as a casing cementer. You’re absolutely right. Most of my coworkers are jobless because of their support for Let’s Go Brandon! My old colleagues deserve to be jobless. Although me, you, and the other Trump supporting oilfield workers had to pay a real price (six-figure job loss) for their stupidity.

[@robertvazquez2964]

A lot of us are just happy to have a good car and can’t afford a car payment for an electric car anyways

[@tedb7402]

Yes they are flocking here but unfortunately they are bringing their bias BS with them!!

[@christineb1989]

We're moving to TN from WA.. I've been planning it for 2 years now. Most of us going to conservative states because we are conservative. There are a lot of conservatives in blue states and we're tired of voting and it not matter.

[@tedb7402]

@@christineb1989 I stand corrected. I should have said some of them. Unfortunately I'll be forced to move out of state because of the outrageous rent hikes here. I do hope you enjoy Tennessee.

[@tedb7402]

@@googleuser868 I live just North of Nashville and it's really bad here. Fortunately I'm moving South to Mississippi. I won't go North again.

[@seekingtruth3054]

I live in central florida. I am seeing more out of state license plates than ever before.

[@sirferr8902]

The wife is from central Florida so on one of my first trips there with her I got a kick out of the billboards. There was one in particular that seemed more like an enticement to leave California than a warning about making a lifestyle change. It read “An Eternity In Hell Is A Very Ling Time!” Lol.

[@googleuser868]

Don't need to worry about me. I don't stay long when I happen to go their. Maybe I can do it again sometime and drop a few Benjamins.

[@henryclinton9317]

There might be an economical turmoil but there is no doubt that this is still the best time to invest.

[@fredrickconte6270]

Best time to invest? thats funny though because in the last four months I have lost more than $47,900 in stock market which is the biggest I have loss since I ventured into stock investment.

[@henryclinton9317]

you could be right or wrong depends on your expertise, I once made such loss when i invested thinking i have gathered enough trading skills from youtube videos

[@henryclinton9317]

now its a different ball game for me because I was lucky to have met TERESA JENSEN WHITE, a financial manager and stock expert, I have made more than $165,000 in 6 weeks under her supervisions.

[@dorissteve912]

Really? people are cashing in from the stock market and frankly speaking its comforting seeing someone admit to the fact that they actually seek help from professionals. please how can i reach TERESA ?

[@henryclinton9317]

search her name on the internet to reach her

[@JohnSmith-ms8nj]

Sad, USA has gotten to this point... at one time we were a nation that had it all

[@KeithCindyPanama]

Only the elites are allowed to have it all while they pass taxes to the rest. Celebrities and politicians are actors: I’m an actor I get paid to lie for a living Johnny Depp 2017. Politicians are the pollution not the solution vote for outsiders of the system like military members economic leaders parents and truckers not politicians!!!

[@The-Contractor]

Democrats leveled us down in pursuit of the globalist agenda.

[@bradleysmith3963]

Now we’re a nation where the very few still do have it all

[@The-Contractor]

@@bradleysmith3963 Obama started it. His "affordable care" was the largest FORCED redistribution of private money in our history. Joey is BO's protegee. And so it continues.

[@bradleysmith3963]

@@The-Contractor I can’t say your wrong but it’s been going the opposite direction nearly 40 years now, it doesn’t matter who’s in charge

[@TheTigerspy]

Everyone budget, budget, budget! Save while you can and prepare for the future. I believe in you and i wish we could do more. Oh yeah I forgot ..and drill baby drill!

[@liftoc7154]

Two thirds of electricity come from fossil fuels. So, your electric car doesn't emit carbon, but the power plant does. You're just moving the source of carbon from the car to the generator. Duh!

[@KeithCindyPanama]

But you’re still saving the planet 🌎

[@gstormcz]

Elon plans to make more efficient power plants, they are called electric independent houses, just when he gets enough funds from sold Tesla cars. Go, buy your Tesla, fund your future now! I just want give you friendly advice, warning, no threatening. Get your electric house now, there are inevitable black outs expected due to lack of renewables. Govs tax energy, those pollute planet, but feel comfortable, as long you comply greedy environmental policy, you get donation to keep up with it. Dont worry for making blue planet too Green, if every enviromentalist plan fails, we got backup plan. We move to Mars. At least 1mil E-lonelies.

[@55dionysus]

The idea is to cut that down with solar , wind , and such . You do a lot more then elec. cars and shovel coal .Duh!

[@waterheaterservices]

@@KeithCindyPanama A Prius with a COEXIST sticker will save the planet and the universe and everything

[@9770G]

Regardless of the car being made ICE/EV, the planet making ANY car will use fossil fuels to make them. At least when u buy a EV car, the car itself isn’t doing what the factory is. This is the dumbest argument. ICE cars are going away

[@williamrodriguez5196]

“Well first she needs to sell her car” - Dave

[@carleonking1852]

Right

[@JoshuaJayVlogs]

Do you have a 4th job?

[@roxy4158]

Smart Ramsey when you have $$$$$$ in the bank.

[@LaMaiStyle]

I listen to his show every day.I really hate the NYC, CA and PNW transplants. They vote democrat every time. Every time.

[@johnnypham2850]

I LOVE this man He is a great Father figure who has supreme common sense. WAY TO GO DAVE!

[@ronaldholden7551]

Get rid of the Fed. Then get rid of the income tax. Starve the government.

[@derick3482]

why are you anti semitic

[@co.sanders4871]

Why starve the government? They cannot fend for themselves without trillions of dollars. Poor politicians. Save the Politician Fund - 2022.

[@watchingitallhere]

Love Dave. Have him on more.

[@Chicago48]

The teenagers can car pool, they can call a Uber, call a taxi. How much do they need a car?

[@natevollmer3628]

recently moved from Washington to Tennessee and everything is just as expensive in Tennessee except for housing costs...and you make tremendously less money...sooo...we pay $1800 for 2 bedroom apartment and Tennessee has highest sales tax in the nation...

[@mjg1544]

Sales tax is only 7% in TN compared to 8.25% here in Texas. We in Texas also have extremely high property tax. And like Texas….no state income tax in TN. Some apartments here go for $2600-$3000 for a 2 bedroom apartment. Wages are stagnant even with the 9th largest economy in the world. Home prices have increased 40% in just 3 years like everywhere. We are considering Florida or Tennessee

[@romanjaimes4948]

Southern Cali., $1900 for a 4 bedroom 2 story with a big pool...

[@Katnann4]

@@mjg1544 Sales tax in TN is 9.75%.

[@krosario3322]

Nate Vollmer, sales tax is 10.25% in Seattle.

[@natevollmer3628]

@@krosario3322 eeeeek....yeah that's terrible...I thought TN was the worse for that

[@FOO261]

You do know what happens when too many people flock to the “good” states, don’t you?

[@MargeLind]

What?

[@dinahsoar6982]

Yep...they become like the place they left.

[@michaelkeith8992]

Alabama does have an income tax. Also, I am tired of people saying Alabama's property taxes are so low. Maybe they are low, but Alabama taxes EVERTHING including food!

[@salesadmieze9049]

But doesn't every state? Ohio does

[@55dionysus]

@@salesadmieze9049 Ohio is a high tax state . Property taxes have been increasing exponentially in the last 20 years. I now pay more in property taxes annually then my mortgage payments were . There wasn't a tax on food the last time I checked it must be fairly resent.

[@youngtimer964]

@@55dionysus you’re right, Ohio does not tax food.

[@dennishinckley6326]

Go to California then you will be wanting Alabama back.

[@yodaguy6956]

@@salesadmieze9049 in NH we don't have sales taxes or income tax, just high property taxes. We also only pay our state legislators $200 a year, and they don't even get an office

[@michaelkolacz4449]

Retired Minimum Distributions start ar age 72. Prior to the year 2020, the RMD age was 70 1/2.

[@lotuspodcast1674]

We need a 2 state solution in California so we can elect Governor Elder. Democrats have run this state into the ground for 12 straight years & I don't expect to win an election, ever. Let Newsom Governor Socal

[@trailwindz7833]

End all income taxes for individuals.

[@co.sanders4871]

The government wants to end all individuals.

[@januaryman5485]

As a Floridian please allow me a few kind words..."STAY OUT!" Thanks for your time!😉

[@silaszebedee9331]

The prices suck in Florida right now. Texas has better quality homes for the money.

[@januaryman5485]

@@silaszebedee9331 maybe, but the housing market is terrible all around, besides we have less crazy illegals being bussed in

[@wolfu597]

"There's no such thing as a free lunch." Milton Friedman.

[@SeemsFutileNow]

Lol, that reminded me old term called Dumpster Diving. A free lunch has been had a few times 🙂

[@garyphillips3552]

It is if you're a millionaire. It's a write-off.

[@The-Contractor]

The trillion dollar plus spending bill will cost tax payers "0 cents" ... Joe Biden.

[@christopherbeddoe406]

Buy a used Tesla for $20k+. If the battery goes you're out $24k If a drive module goes you're out $15k They actively attack 3rd party repairs with over the air software limitations. If you own a Tesla outside of warranty I hope your luck holds out. Tesla does not have a good reputation for quality control and that severely affects long term reliability.

[@keybored67]

would rather buy the batteries and a forklift motor and electrify my 72 F150, to put it simply

[@waterheaterservices]

@@keybored67 67-72 F 150, sweet classic.

[@douglasparvin2780]

Somebody could get wealthy transitioning gasaline vehicles to electric vehicles for something like $2,000 each. They could prove the need, demand, & concept with one location. Once it was successful, they could franchise it all across the U.S. Within 5 to 10 years, everyone who wants an electric vehicle (EV) could have one for a very reasonably affordable price. With solar panels & an EV charger at home, people could have unlimited fuel from the sun without having to buy a $60,000 Electric Vehicle.

[@typhoon320i]

How's that TSLA short position working out for you?

[@typhoon320i]

@@douglasparvin2780 One problem.... you can't get an engine swap in most normal cars for $2K. That's with no modification needed.

[@MaryOKC]

My brother has three girls and bought all three cars and pays the insurance (all under 21)..while he’s constantly broke. His retirement is to collect social security someday.

[@megaprimegamer1184]

Lmao why isn’t nobody talking any sense into him?! It’s only thing if he’s content with making enough but it’s another thing if he’s actually broke like you said smh.

[@Idahoguy10157]

Go buy an electric car is a modern version of “let them eat cake”

[@LN-Lifer]

And bringing their politics with them. Just like illegal immigrants

[@whispertunes609]

Um... 0:56 South Carolina DOES have income tax. 1:10 RMDs are at age 72 now, not age 70 1/2. 1:46 Alabama has income tax as well.

[@FaithwalkerTodd]

Freedom is popular.

[@RealmCenter40]

I read a survey in the WSJ that polled on who would stay and who would fight if the United States was invaded like Ukraine. 52% of democrats would run, 32% of republicans would also. That is absolutely sickening, apparently some of us love freedom more than others.

[@zpclosangelesgraffiticafe]

@@RealmCenter40 Education vs indoctrination

[@deborahgrantham7387]

I live in one of the states people are moving to. I’m already seeing unappealing changes. Folks moving into communities are pushing changes that are great for them but adds nothing to the community in general. Example : buyer in condo units that have large “support” dog😏, when HOA clearly states only dogs under 35 lbs. wants HOA to provide a enclosure for that dog and snow removal to walk that dog. Great addition to the community.

[@paulmcgraw9284]

Here is my solution..DON'T go into debt. DON'T buy an electric car..they are TOO EXPENSIVE! Keep your old car well tuned and running..that will be much cheaper to do rather than busting your budget by buying an EV! Also VOTE REPUBLICAN THIS NOVEMBER!

[@johnnyperez1969]

.

[@austintomkewitz7206]

@@johnnyperez1969 ..

[@typhoon320i]

That's like saying "don't buy a DVD player...keep your VHS working."

[@CosmicHyperborean]

Yet Americans overwhelmingly want a strong safety net and access to health care for all citizens

[@CosmicHyperborean]

@UC5m1_L-oEs5v71XYZ99lfrA, of course it's entirely possible. If this government can give foreign governments billions of dollars in so-called foreign aid every year and finance wars over decades costing trillions to taxpayers they can help American citizens in need.

[@waterheaterservices]

@@CosmicHyperborean Bidens' 85 billion dollar going away gift to Taliban was incredible.

[@msgmak1379]

Golf courses here in AZ have gone off the deep end. Just little housing development courses are charging $125 a round. The nicer ones in Scottsdale are $325 a round.....

[@sugarfree8303]

Golf is a dull rich man's game. I don-t have any sympathy about a rich man's woes over the dullest game next to Tennis .

[@joeb1522]

@@sugarfree8303 I don't play golf. But it's much more than a rich man's game. I know lots of young people who play. You used to be able to pay about $10 for a round at a municipal course.

[@SirenaSpades]

Dave is the best! No nonsense and common sense.

[@lyfeofaj1565]

Well Done Mr. Ramsey!!!

[@whatsupwithsteve]

The law of averages will level things out. Things like moving costs, lower salaries, increased heating/cooling expenses etc. all need to be considered before getting an accurate measure of COL.

[@77chevy4x4]

Screw the American people from decent honest pay . Now your scamming states to devote themselves to the turmoil they just left from the hell they created and never CLEANED UP .

[@judyrogers9313]

What a great guy Dave Ramsey is! A true American just trying to help others get by in this crazy world!

[@rothbj1]

Dave fired a woman for getting pregnant out of wedlock.

[@robertgloeden5798]

Well those HoneyDrippers who Maxxed out with over priced Real Estate that they sold can now wreck These States

[@vietnamemperor123461]

And when these people from state like California come to other state like Alabama then the cost of living will rise too. To be honest everything is expensive because of inflation so you can go to any state you like because if you go to low income state then you will get paid less too. Not much of a difference. Actually its a global issue not the US only.

[@The-Contractor]

No, it's mostly a Democrat issue.

[@keybored67]

i say lets all move to cali and turn the state red, and enjoy the nice weather

[@douglasparvin2780]

Well, when most of the Californians migrate out of that state to go east, the state will likely eventually emplode financially (like Detroit did). Then, when the housing market tanks there & $4 million homes become $40,000 houses... It will be time to repopulate it with Tennesseans that are wanting to get away from the crowd that moved here & caused our roads to be backed up & our home prices to go through the roof by out bidding everyone because they think "everything is so cheap here".

[@scottwooster4584]

@@douglasparvin2780 can't go West

[@ericjacobsen5095]

What about THE PEOPLES CONVOY?

[@marcussanchez4278]

They are going to ruin it for everyone like they ruined the place they left. They are like locust!

[@larrymoore8094]

Thank you, sir, for opening peoples eyes!

[@joyceedwards9652]

Love me some Dave Ramsey!!!!

[@roroguapo3]

Love living in TX and seeing my paycheck being about 8% higher.

[@markteague8889]

TN is NOT a “no tax” state. It has a very high sales tax which is; perhaps, the most unfair method of taxation since it places the majority of the tax burden on the poorest members of the society.

[@priestesslucy3299]

I would argue the opposite. Income Tax screws people trying to get a leg up in the world, Sales Tax is just taxing consumption. Want to pay less tax? Consume less or produce more

[@markteague8889]

@@priestesslucy3299 You could argue that. But, you would be very wrong. Those at the bottom rung of a capitalist society must spend everything they earn to survive. So, they pay whatever percentage the sales tax is established at toward the needs of the society (say 10%). Top earners, while they do spend more of their greater income, wind up only paying a fraction of their income in taxes (maybe less than 1%). A more fair tax would be a flat income tax with no sales tax where everyone pays the same portion of their income in taxes.

[@priestesslucy3299]

@@markteague8889 I don't actually mind the idea that every citizen pays the same base rate and heavy consumers are the only ones who pay more. A person making 200,000 per year isn't consuming any more social services than someone making 20,000 per year. Probably consuming less. But, when the person making 200,000 spends a lot more than the person making 20,000, they pay the taxes on that consumption as is fair.

[@markteague8889]

@@priestesslucy3299 So, you would place the heaviest portion of the tax burden on those who are least able to afford it and call it fair? Policies like that are how you wind up with situations like those of the French Revolutionary Period (leading to the Reign of Terror). Antoine Lavoisier (who Louis had appointed to be the tax assessor for the city of Paris) was among those first to lose their heads to Madame La Guillotine.

[@markteague8889]

@@priestesslucy3299 Furthermore, those with greater resources and wealth have the free time to scheme ways to avoid paying those taxes. I know of a well to do individual who had their brother who lived in another state purchase a very expensive vehicle in that state where the automobile property tax was levied at the time of year when property taxes were assessed. They then transferred the title in Tennessee where family members may transfer vehicle titles tax free. This was quite an expensive automobile ($250k, perhaps). So, this wealthy individual avoided paying even the consumption tax on their greater level of consumption.

[@utcnc7mm]

Let's just hope those california refugees when they do move to another state don't vote for the same type of Liberal politicians that destroyed their state!

[@timschultes6467]

I say that all the time but I don’t have a lot of hope in those people

[@utcnc7mm]

@@timschultes6467 Who was it said “doing the same thing over and over again & expecting a different result is stupid.” That describes a lot of these refugees!

[@timschultes6467]

@@utcnc7mm I live in FL and I just pray it stays a red state. My concern now is that since they got away with rigging our last election now I have no faith in our system and they will do it again

[@utcnc7mm]

@@timschultes6467 I think we all worry about that. Voter ID is such common sense, I read somewhere that we are the only industrialized nation in the world that doesn’t require voter ID.

[@timschultes6467]

@@utcnc7mm everything is screwed my friend. When it costs me over 100$ to fill my F-150 that’s a huge problem for all Americans. I miss President Trump so much

[@TheRawdawg]

Dave Ramsey is awesome!

[@paulbingville6485]

SC has an income tax, but it's pretty reasonable if you're over 65, own your home and are a full time resident.

[@pep590]

You are correct as I live in Rock Hill

[@peaceonearth8693]

If you make 15K it's 7%. Is that pretty reasonable? (Plus significant sales and use taxes.)

[@paulbingville6485]

@@peaceonearth8693 Not sure where you're getting that. SC tax on 15K is $530, so just over 3.5%. More importantly, that's not 15K gross income, it's 15K SC taxable income. For someone who's over 65, retired, and a full time resident, that's Federal taxable income, minus the Federally taxed portion of your Social Security, minus 15K. Someone retired and over 65 would need to be grossing well over 30K in addition to Social Security to have 15K in SC taxable income. Still, my main point was that Dave Ramsey was incorrect in saying SC has no income tax and we seem to agree on that.

[@chipkaegi]

Florida has been beautiful through this whole debacle that has been going on. We have not been in lockdown we haven’t missed a beat and we’ve actually progressed in the last few years we are preparing for the financial disorder of this whole country if not the world is about to go through

[@jkwyx8290]

Not anymore with all these folks clogging up the place. Traffic and rent are through the roof no thanks in large part to these "flockers".

[@zero_dbmv3322]

Florida did have a lockdown in 2020 I worked through it as an essential employee, the roads were total empty in the Tampa Bay Area for about 2 months or so. The real estate bubble which is currently taking place is criminal in my opinion, the rents do not reflect at all the low local wages. The majority of Floridians are struggling just to get by, newcomers don’t understand the there’s no state income tax but you pay the “sunshine tax” which is an extremely high cost of living compared to the local wages keeping most people nearly broke.

[@jkwyx8290]

@@zero_dbmv3322 I couldn't have said it better! Right on. To top it all off, us Floridians are the ones paying the highest price, no pun intended, and are being forced to leave.

[@jkwyx8290]

@Metal Fan Ofcourse not, if anything you're right in the epicenter. Everyone's getting it without vaseline this time.

[@a.colleenfray2138]

I live in Cali and wish I could move, but divorce papers with kids need time in court to change before I can just up and move. This state that I was born in is eating up all that is good about it. And I refuse to buy a car I can’t afford ( an EV). It’s so expensive here and I’m scared. Hoping Dave’s advice will get me on a better path and I’m glad he was brought on this show to shed light on financial problems that real people are experiencing.

[@emu256]

Required minimum distributions start at 72yrs not 70.5yrs

[@sadiegirl5312]

TEAH HE REALLY SCREWED THAT UP AND NO ONE CORRECTED HIM!! SOMEONE NEEDS TO CORRECT THAT HERE

[@carolharris2357]

You pay high city taxes in Texas. Around 10% is probably cheap now. More tax for ritzier areas.

[@debw2635]

Texas property taxes are high too. I dont think texas is less expensive to move to. The housing is over 400,000. if you need more than 3 bed 2 bath and near a city for a job. their citys are awfully liberal these days , look at the demographics of city leaders. would have liked to move there, doubt i can afford it.

[@miketracy9256]

If she owns a CA home within a few miles of the ocean, she can sell and buy a better home in SC for about 25% of her CA home price, and invest the remaining proceeds. Even a place TN it will save her lots when she buys her new home.

[@jimlong487]

Do not come to TN.

[@lucybell1487]

Thank you Dave for your honesty about our economy being petroleum-based and the privileges it provides yet offering hope to the working people of America

[@Mike-le6ed]

Moving from NJ to PA this spring, saving 10k between property and income taxes.

[@dieterhauer8619]

Just don't vote Democrat. We are currently cursed with a Democrat gov. that is living in his own bubble.

[@ronwinkles2601]

I would recommend Tennessee where there is no income tax and property tax is about 20 percent of tax in NY and PA. If you are looking for land, it will not find it any cheaper.

[@DavidRamseyIII]

@@ronwinkles2601 not to mention Tennessee is a great place. Who would live in Pennsylvania

[@jessebarnett4205]

I am from Tennessee and my message is GO HOME. So sick of out of state people moving in and driving up prices because they ALLOWED their own states to fail.

[@johnc1014]

I grew up in California and escaped to Texas. Eventually, I do plan to move to Tennessee or Wyoming because Texas is now going south. But, I don't come to make either of these states like California. I come to escape the idiotic policies California had. I want low taxes and minimal government regulations. I will always vote for less government, not more.

[@davemccarthy7366]

I believe the mandatory withdrawal (IRA) was changed with the CARES ACT instead of 70 1/2 years old, it is now 72 years old and the amount to be withdrawn also was changed.

[@jojo90s4]

Thanks for the information 👍

[@derekrank4572]

too bad all the lower middle income people cant just get up and leave whenever they arent happy...people with money have all the opportuinity to do whatever they want..imagine being so greedy you move too another place so you dont pay tax//

[@kohl2080]

Exactly! I live in Florida and these people are driving locals out of the housing market. Rents are out of control as well.

[@ssaun2179]

I think a lot of people that end up moving are retirees. Blue states tend to have better jobs, with better jobs comes higher living expenses/taxes. Retire and move where you don't get taxed, absent other forces the money will always move where its treated better. taxes suck, this something our politicians need to start understanding, we all want to help the poor to certain extent but we all want to pay less in taxes

[@kohl2080]

@@ssaun2179 the people who are being impacted the most are the working middle class. It is disgusting to invade a state and displace families and people who worked to build these communities being invaded.

[@sebastianlucas704]

Nothing greedy about wanting to pay less taxes.

[@stephensepan291]

thank you.

[@riverflyswatter]

quit thanking these elected officials for their “ service “ They should be thanking us for the honor and privilege we gave them. They should be thanking us!

[@LindaHobby1]

Thank you so much!!!

[@bcreilly180]

My wife and I grew up in the south. Texas for me and Georgia for her. We live Seattle with plans on moving to a cheaper state 4 months from now. WA state is beautiful but it's gotten super expensive no matter what county you live in. A lot of Western WA residents flock to the Eastern part of the state as its mostly farming towns but they have mentioned that it's only a little bit better. Instead of staying here, we are taking advantage that we are still young and we don't have children (yet), and gonna build our lives where the Constitution still means something while also not being bled out financially

[@MM-ty6cu]

Yep, California brain drain. We’ve just moved out. Peace out Cali ✌️ 😎

[@julieescher1574]

You need factories to make the batteries. What power will the factory use? Magic? Doesn't a lot of electricity come from oil?

[@chhardin2]

SC isn't income tax free. Also property tax.

[@thomasjorge4734]

Dave's Place, serves Rice and Beans: Mon-Wed, Beans and Rice: Thurs+Fri, Rice on Sat and Beans on Sun!

[@MadsWorld34]

why dont they stay where they are and vote people in the love their state and change it. instead of moving to another state and try to change it to the state they just moved from.

[@joelbeaver1093]

Exactly

[@stephensepan291]

that's what they said to the pilgrams.

[@no-mz1ie]

I like your Ramsey but you're becoming very pompous you have no answer for what's going on right now because they're sucking the lifeblood out of the middle class

[@seanm3ify]

He’s always been this way. He speaks in general terms and gives the same basic advice

[@breadwagon362]

Love this guy!

[@GodSaveTheClothes]

Love Dave!