Americans Have A Problem... (Dave Ramsey Rant)

[@TheRamseyShow]

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[@cellogirl11rw55]

Thanks, Dave! I'm gonna buy that book!

[@citygurl0105]

I love simplicity!!

[@bonsaikiss]

Can you tell these morons that they need to wear masks and social distance?

[@khadigaha5314]

You gotta get with Marie Kondo on this topic! She has "stiff" all figured out; God bless her. Learned a ton from her Netflix series and book.

[@tjw1861]

I actually think Ramsey company has decided to become the most socially irresponsible company in America running a large conference now in A covid19 hotspot Florida where even his friend the governor has said it’s growing exponentially. I like some of his videos but I seriously could not work for a company that does this 🦠this virus loves 1 thing in particular large indoor gatherings...

[@dylanlyons6]

Minimalism is so underrated...adopting that mindset has the ability to change everything!

[@angiealanis8741]

MINIMALISM!! This is something I am so passionate about and wish everyone would try it. But as soon as I mention it they look at me crazy! You feel happy with what you have.

[@hodgelive]

i live with one of everything. There is no need to have more than one because you can only use one at a time.

[@ironmonkey1512]

your 'stuff' really drags you down

[@kitsontuli2713]

I did this with clothes 2 years ago. Let me tell you, it's freeing. When I buy something, I let go of another.

[@sobc2737]

I'm called a cheapskate for being minimalistic.

[@EvoIX09]

“It is not the man who has too little, but the man who craves more, that is poor”. - Seneca

[@TheTruthHurts6666]

I've been minimalist since 2017. And it was purely from observing from my family history. My sister got into debt from shopping addiction and she was still unhappy. My mom diagnosed with cancer, afraid of dying and back then I thought, what's the point of all of her luxury bags and items when faced with knowledge that you might die. My mom has been cancer free after treatment but the lessons learned continue. Since, I've been trying to build a simple life with less stuff and increase more free time to pursue what makes me happy and motivated in life.

[@slywalkers]

I'm so glad i've been a minimalist all my life..... ❤️

[@bigbanknewyork3655]

what's killing everyone nowadays is those $700 car payments for cars to impress other people.

[@judymckee5992]

who don't care about them!!

[@Blue_Newt_01]

BigBank New York 700$ car payments? Wow in my day 700 bucks was a mortgage payment.

[@Blue_Newt_01]

All Seeing EYE The 60’s? Try the nineties when my mortgage payment on building a new small home on 4 and half acres was 600 per month and was paid off in less than five yrs. Because even in those recent times people saved and put down over 50% for what they wanted. If you can afford a 700 per month car payment then you can afford to save up to pay cash for a halfway decent used vehicle. In the 60’s people built basements to live in until they could afford to pay cash to build the rest of the house

[@firstnamelastname3558]

All Seeing EYE, he stated, “In his day.” That refers to the past. English is clearly not your strong point, tough guy.

[@leathelandlady]

My friend says "some people like nice cars" and she says she's not doing it for others just for herself. So 🤷🏾‍♀️ some people you can't help. Meanwhile, my car is "a college car" (and I graduated college a long time ago). Oh well. I will take my $0 car payments any day of the week.

[@Jeff77398]

I work for Amazon as a driver. Nothing infuriates me more with this consumerism. I deliver to the same people so much that they literally have to be shopping something EVERY DAY in order to get to this point.

[@sunnyd4734]

But doesn't that help job security as a driver?

[@WSFM_Rex]

As a small business owner , I get most of my supplies from Amazon directly delivered and receive several packages a day. Saves time and money, it’s not consumerism it’s fueling the business.

[@usernameluis305]

"Something that gave me joy when i was 16 probably wont give me joy when im 35 with two kids" As someone who is 23 and going through a personal metamorphosis, this is true. Even at this young age i just don't, and quite frankly cant, find the interest or the energy for things i used to enjoy. I miss my friends but i recognize i have to let them live their own path while i live mine

[@johnn7419]

Hey just a word of warning. If something you have now that you want to get rid of has previously served an important emotional function in your life but does not now and it's not costing you anything, don't throw it out. In about 10 years time you will regret you threw out your soccer ball that you used from ages 3-8 that you and your dad played with and now your dad is sick and fragile. Etc being with that ball will bring back memories.

[@coffeewithmike3916]

05. | Luke 12:15 (ESV) And he said to them, “Take care, be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions .

[@sadieesther9721]

“Clutter is money lying around your house”

[@j.namwen.97]

Truth

[@MsJoyce31202]

🤔

[@avgholson8143]

💯💯💯

[@shelleygreyrealtor]

That is soooo true

[@happygenerously6008]

Louie and Gucci aren't worth the amount of money they are asking for.

[@DonutIgnoramus]

They are both garbage. You can get quality handmade leather goods by independent artisans for a fraction of the cost.

[@ramoncolonx12]

why not buy them in china town new york there like 5$ each

[@TheFishingNomad]

They are because people will pay it. You can say that about anything. Nike, Adidas, under armour, literally any brand is more expensive that it should be, but if people are willing to pay it, it's worth it.

[@GS.9093_Mart]

Sorry for my ignorance but what are those??

[@TheRightTrackPod]

GS 93 clothing brands, luxury.

[@NonchalanceInvasion]

I feel like Anthony O’Neal is the best Ramsey personality. He’s the only one who doesn’t seem to change his personality around Dave

[@Spaceysgurl]

Chris Hogan. Hands down.

[@random-nz7dy]

Anthony and Chris should be the post dave main guys. Especially Anthony.

[@freedmyselffromthenarcissi376]

Jasmine Carter Chris stays on Dave’s sac😂🤷🏿‍♀️

[@ChristysChannelYall]

This is so true! My life is so much easier in all ways by being a minimalist! Less debt(working on turning it into NO debt), less cleaning, less managing of stuff. I’m teaching my kids this and they are already seeing the benefits. Yesterday one of my 18 year old twins said, “Mom, it’s so much easier to keep my room clean without all of that extra stuff!”

[@reliableroots]

“The more stuff I have, the more repairmen I need” ...that’s great stuff! I spent 3 years living in an RV and it was the most freeing time of my life! No debt...while house was cleaned in 10 minutes... lots of time outside....Christmas was celebrated for the true meaning....it was a very freeing experience!

[@nate649]

Starting about two months ago me and my girlfriend bought a 1986 28 foot camper and have been living in it since. Coming from an apartment, it's been a very liberating experience!

[@trwsandford]

excellent rant! I drive an old truck I bought new. A guy that works for me asked me when I was gonna get a new truck. I thought about it for a minute, since it had not yet occurred to me that I needed a new truck. I asked him simply "If I had an old dog, would you ask me when I was gonna get a new dog?" Yeah, the truck is old but quite well maintained from new, by me. 18 years and 270k miles. She is showing some wear but no tear. I'm not having a midlife crisis, but my truck might be approaching one. I might give her leather seats for her 20th birthday, or maybe just some seat covers... hehehee. It is a truck after all.

[@trwsandford]

@Marc Archibald lol, he wasn't suggesting I buy a friggin econobox... but a new truck that isn't anymore fuel efficient than the one I have, I work for a living, and that truck is a tool I use to accomplish real work for people that expect me to get it done... so... you know. I'm not just blowing wind up your kilt Marc.

[@trwsandford]

Marc Archibald 🍻I meant no offense. I have 3 kilts. Trucks are needed even in Scotland I’m sure. Nessy can’t be on every job site! Just the one at a time hauling the heavy stuff. Clan Ferguson here. Cheers from America!

[@strictnonconformist7369]

trwsandford My Dad did his best to push his 83 Dodge D150 to max miles, he died first in 98, oldest brother got it with around 350,000 miles I think, with lots of battle damage (it magnetically attracted cars that hit it, even when parked!) and he finally got rid of it after the second transmission rebuild (every 178,000 miles like clockwork!) failed, and the engine was randomly spewing oil past main bearings. Dad’s objective was a million miles, but it wore out in critical parts sooner than that. It got too expensive to keep it running. Eventually you’ll have the same thing, but if it’s still cheap to maintain and is reliable, I’d not replace it: as you say, it’s a truck! Beauty isn’t the important property, functionality is. If it’s all dinged up due to life, no stress worrying about new dings being added: it’s not going to keep it from being useful as a truck, and it’s old enough with enough miles that resale value doesn’t matter, and that’s great freedom!

[@cutlerylover]

There are miserable filthy rich people and extremely happy poor people so clearly stuff isnt the answer :) Stuff is fun but the ultimate happy comes from other people...My grandfather always said money doesn't buy you happiness but it does buy freedom and comfort which helps you find happy easier...

[@stuartperry8141]

name some extremely happy poor people

[@zeblackboi]

I'd rather be miserable and filthy rich and find happiness later than be poor and be happy. Emotions fluctuates.

[@HHmz-rp8ht]

@@zeblackboi nah

[@rebeccaoprea9917]

Sometimes More money is more problems

[@jcman240]

Money buys drugs which make you happy

[@josephminder7366]

So true. People are way too attached to things and there own egos.

[@tektauron]

their*

[@Stephan2P]

Love your observation. So true.

[@luxurybuzz3681]

*their

[@Restingmadface]

You are right on about that. And then I look at your picture. I know we know the same things.

[@nirvikdas619]

I didn't realize how much I spent until one night when I had to survive on ice cream because I was too broke to buy food. Since then I have been saving 41% of my monthly income and now I nearly have 3 to 6 months of emergency with a ROTH and Brokerage. I plan to buy a cheap car with cash and invest like crazy. Thanks Dave.

[@genwunner6783]

no credit card to buy food or get take out on that night? Sad!

[@1redrubberball]

Right on! Congratulations!

[@MichaelP-ke1tm]

@@genwunner6783 He did. He's just exaggerating for the story's sake.

[@mikescorner940]

The stuff we own generally falls into four categories - survival, comfort, luxury or junk. Interestingly, the junk we currently own probably started out as comfort or luxury.

[@winter117a]

Wisdom in the KZbin comments section???? 🧐 But seriously, great observation!

[@juantaverasiv741]

I love this.

[@Atlanta718]

Love this! ❤

[@mikescorner940]

Nick Malcolm lol. Once in a blue moon.

[@Lughnerson]

I like that. Copying and pasting into my notes. Thanks!

[@CaseyBurnsInvesting]

Things don’t make you happy. True wealth is the person who wants very little.

[@Macheako]

I used to think wanting less is where it's at too, bro, but I gotta tell ya... You will end up with nothing....if that's what ya want 🤣👌🏻

[@Macheako]

But "Requiring Less" is absolutely part of this plan they call happiness.

[@SIGSEGV1337]

@@Macheako Is ending up with nothing a bad thing?

[@vaderwashere365]

Having shelter sure makes me happier than being homeless. You don't need the most extravagant home, but having a home is a thing that keeps people happy. Money doesn't buy happiness, but a happy person feels even better with generational wealth. You don't have to live in the extremes (nothing or everything) that people tend to describe, but having wants helps drive many successful millionaires and billionaires. If you have no wants, you have no drive, and you will definitely need a "wants very little" mentality. I challenge you to not be normal... be driven to succeed and be successful. Think of your family instead of just yourself. It helps my family stay ahead of our peers and we are teaching our kids about wanting a sustainable family wealth and using their grit and hard work to continue the legacy. Trust me, it makes me very happy passing on wealth and real estate to my kids and eventually their kids.

[@ryanc9888]

No, things do make you happy, but it’s not worth the debt if you can’t afford them ha.

[@PriscillaPretzley]

Minimalism is fantastic. Started a year ago, NEVER looking back! 😊

[@luxurybuzz3681]

Maximilism is where it's at

[@skater041930]

I still drive a 2001 tahoe and use a iPhone 7. Not keeping up with the joneses is a easy safety fund.

[@dainasworldnumbers88]

I phone 5se

[@LG123ABC]

I'm with you on that. I'm driving a 2005 Suburban and using a refurbished Android phone that I got at Wally-world for $50. I am thinking about trading up on the vehicle though. I've got my eye on a 2011. 😁

[@qwertykaitlyn]

You can just buy the phone you want or get it for free when you switch. I have an aunt with a 10 year old phone that doesn't hold a full battery for even one outing. But cars sure. Old cars are wonderful when maintained, but the phone companies know how to make phones that have flaws that force you to get a new one.

[@That-Wanderer]

I hate buying new phones... I dont buy another one until my current one is terrible to use anymore

[@bsolutions525]

@@qwertykaitlyn changing a phone battery should not cost more than $40

[@philmarsh3859]

Use your energy to acquire new skills instead of things.

[@bobellis2912]

Really embraced purchasing things that are truly needed. If there’s a “want” I save save save. Funny thing when you have to save instead of going into debt, the “want” isn’t as important as you thought.

[@shotbytoniorydell8418]

So true !! Amen 🙏🏽

[@michelleprice5945]

so so true!!!

[@yesseniacorona5040]

So true! Now that I’m debt free and saving. My “wants” are meaningless.

[@Nick1296]

I was pushed into getting a credit card and resisted. As soon as the people who pushed it seen what I have saved up without having one it has never come up again. I think they took notes.

[@ashleym6765]

Yup!

[@johnrecaptcha4504]

I got my friend to get rid of his car payment. I didn't pressure him or anything like that, I just planted the idea in his head. We were out to lunch one day and he was telling me that he just can't seem to save the kind of money that he thought he should be saving. I asked him how much was his car payment and would he be willing to let it go. He said, he was paying over 600 dollars a month just to drive it. That was more than my rent at the time. It was a sweet ride too (dodge charger RT)...fast forward a few years, he got rid of it, he's driving a used, paid for car, with good bones....and he's actually got a chunk of money in the bank, and a growing 401k...imagine that. Cars really do keep us poor.

[@tgreen12345]

The bible says it’s a good thing to learn to be content whether we have a lot or a little. I think the point is that the stuff isn’t the point - Jesus is the point. Great video guys✌️

[@barbmelle3136]

@Shadow of Satos From Leo: " Go after rich people", what are you saying, take their money away from them? That is NOT what JESUS taught. Do you know the personal life of every rich person? Do you know how many are writing big checks to ministries, how many are paying for kids that are not their own to go to camp? How about the rich folks that have big houses that let missionaries on break live with them for free? Why would you disrespect those who GOD has decided to gift with money earning skills? How is taking money from the rich, even if they are unbelievers biblical?

[@blackworldtraveler3711]

@@barbmelle3136 He does have a point. I've lived in Tulsa since the 80s surrounded by mega churches.

[@epiphany55]

You don't need an invisible sky pixie or Jesus to find a finer point in existence and free yourself from stuff. You can do it on your own. Just saying.

[@barbmelle3136]

@Shadow of Satos From Leo: I see that you are a theologian. Maybe you can help. Do you care to explain GOD'S response in the book of JOB 42: starting in verse 12? Maybe also how HE increased the wealth of Jacob. Or that JESUS himself was buried in a tomb donated by a rich guy, How about the vineyard owner that was overly generous to the workers who worked a short day? Or maybe how the wealthy man Boaz was instrumental in maintaining the Christ's bloodline through David? The Love of money is a problem, the wise use of money, barter, material possessions is not a problem. 1 John 3:17 is not possible if both are poor. Have you ever seen people in the same job, making the same money and one lives comfortably, and the other delcares bankruptcy do to poor spending habits? Please also elaborate where the Bible commissions others to go after anyone. Your statement was "Always confuses me why Christians don't go after rich people like liberals do". 2 Corinthians 9 says not to give under compulsion. I promise to keep reading my Bible on a regular basis. John 8:32

[@jessesdomain444]

@@epiphany55 you'll change your tune when you reach the bottom of life's rabbit hole

[@bstrong4919]

People have to be careful especially when you don’t have to leave your house and just shop online you can easily go into debt faster.

[@blackworldtraveler3711]

Just don’t spend money you don’t have. Simple.

[@AB-sr3jd]

Buy what you need and not what you want ....also if you get into habit of paying off your credit cards in full every month you won’t have a problem..

[@issecret1]

Exactly, only seing numbers on a screen can really get you spending

[@ggwoman]

I would rather have fewer things, of good quality and craftsmanship.

[@MichaelP-ke1tm]

That's what I do with clothes. I rather have 2 tailored dress shirts and suits than 50 Walmart suits.

[@christinao8877]

We are getting buried in disposable fashion.

[@meaghan256]

High-quality, American made products make a huge difference. Sad to see how well dollar stores are doing right now with so many great businesses closing.

[@vltruan]

That’s me👌

[@dbrandon4528]

A Broke persons home is full of good deals.

[@bebe4235]

What a great quote!! And so true!!

[@brocourtney]

That’s a good one.

[@PInk77W1]

Nice. So true.

[@lazyakers]

Happiness is a moving target.

[@brod2474]

Happiness isn’t a target, it’s a result.

[@Bonanzoo]

B Rod you didn’t understand their comment, did you?

[@brod2474]

Sami Amor 100% bud. Perhaps it’s you who didn’t understand mine...

[@Bonanzoo]

B Rod I did, but that’s not the point of my question, is it?

[@christinao8877]

Go to any Estate sale and you will see the end result of a lifetime of shopping. Endless collectibles, art, books, electronics, household decorations, clothing, and old furniture. ALL VALUELESS.

[@slidegirl6005]

Lots of “out of style” stuff that older adults were sure their kids would treasure. Sorry, we don’t want Hummel figurines.

[@03mta]

Thats why i hate Estate sales

[@judymckee5992]

Tina Otte, I went to an auction by the heirs of this lady, the auctioneer wanted a bit of $1 for all the clothes,mink coats, handbags and nobody wants it. What a waste somebody spend all those money on.

[@Blue_Newt_01]

Tina Otte Nobody wants that coveted China cabinet because who in hell’s acre uses China anymore? Same with those figurines.... dust collectors

[@christinao8877]

Slide Girl What would you say would be good to keep for kids?

[@CEDL4072]

I've always been frugal. My ex however is not. Huge mistake ever getting with him. Now, at age 32 after letting him take control over my finances and wreaking havoc with it, I am starting my debt free journey. After I finish paying off my car, I will have no debt. I'll prob start saving up for a house but honestly, it's not a necessity to me just as long as my son and I have a nice roof over our heads. The need to keep up with the Joneses is a real issue with many people. Thank goodness I stopped caring. While people are spending sleepless nights because of all the debt they have, I'll have the freedom to see how to spend my money. Maybe even go back to reselling or having some sort of business. When my son is older, he'll be lucky to have a mom who f'd up many times with her finances and learned many valuable lessons so that he won't repeat those mistakes. Good luck to everyone hoping to live a debt free life.

[@asapasiafury4100]

Your on the right track! How fortunate is your son to have a mom that is paving the road with great memories, debt free, no consumerism and life worth living! Good job!! 😁👏👏👏👏

[@CEDL4072]

@@asapasiafury4100 Thank you ☺

[@ayo_k32]

Yep, my ex of 8 years ruined my finances as well. Glad to hear you are recovering, overcoming, and moving forward! ♡

[@lacoste014]

Same boat! 34 just divorced because of finance...thank god i am debt free but need to move to a cheaper place! Wish you the best as i am starting over too and know what it feels! Good luck dear!

[@CEDL4072]

@@ayo_k32 Same to you! 😊

[@14elvira14]

At 23 years old, I'm realizing a lot of things I have were a phase. I feel better not needing things now that I'm realizing life is more than stuff. Very freeing and I'm still just as happy!

[@edblaskowski81]

I’m an auctioneer and after years of selling estates and seeing all the possessions people accumulate, I’ve decided to be a minimalist my whole life.

[@dainasworldnumbers88]

I’ve been following the Minimalist for 10 years. They told me about Dave. So great! Thank you! Less is More!

[@mike569112]

“The things you own end up owning you.” Tyler D.

[@luxurybuzz3681]

Fight Club is a great movie

[@JK20239]

Minimalism is the only way. Student loans is the next stuff-itis

[@shurt703]

I agree with minimalism but if we all followed it, our economy (US) would collapse. We have a consumer based economy. I'm all for reworking that system but if we all just followed Dave's advice and didn't spend much money until we retired our economy (structured the way it is now) would be terrible.

[@mbraxt11]

@@shurt703 it wouldn't be terrible, just not as productive.

[@MBarberfan4life]

It keeps getting worse. Now people are taking out loans before they’re 18 and majoring in Superman Studies.

[@shurt703]

@mbraxt11 70% of the US economy is consumer spending

[@JK20239]

@@shurt703 I do a 70 30 allocation of my net income. 50/50 if I can maintain a higher income. 15% invested for retirement, 15% saved for rainy days. Some people need to have some self discipline and save something.

[@kdilli6426]

Most people fail to realize that happiness is found when you are GREATFUL for the things you already have.

[@tnmingle]

Is so funny how I started minimizing our house then I started working on our finances And things just fell in place! 🙏🏾💛

[@blaakcoffee]

👏🏿👏🏿👏🏿👏🏿👏🏿

[@mattsmillennialmoney39]

A LOT OF PEOPLE think they can’t cut back any more in their budget... there’s ALWAYS room🔥🔥

[@chrispetro]

I would agree 100% 👍

[@alig2472]

???? literally the opposite is true

[@Mostopinionatedmanofalltime]

I'm so poor the only area in my budget that I could cut back on would be food.

[@alicekbonilla]

I am 23 years old and I just paid off my car, which was my only debt! I am completely debt free thanks to your plan! I used a good portion of my savings to just get rid of those payments!

[@CharlesCampo1]

Happiness comes from meaningful relationships and good friends

[@davidliang913]

Advertisements have only become more clever in the modern era. It takes more discipline than ever to stop yourself from unnecessary spending.

[@danielabebe6869]

@Heinrich Himmler You don't have to outsmart them...just ignore them.

[@legendaryc4]

@@danielabebe6869 exactly. They be smart but one that has full self control is truly smarter and more cunning.

[@codorin]

@Heinrich Himmler they only influce those who listen. Best to listen to yourself, you will thank yourself.

[@BasicBeachCommunity1]

💯

[@MichaelP-ke1tm]

@Heinrich Himmler Anyone can get a bachelor's degree in marketing or psychology lol. All you need is a 2.0 GPA and all "C" grades which takes zero effort. I know because I have a Bachelors in business. Bachelor's degrees dont teach real world skills or practicality. It takes more than that.

[@raymonds7492]

An economy doesn't get this big without a ridiculous amount of frivolous and impulsive spending.

[@geraldgerman9895]

Our economy relies on massive consumerism. I agree with minimalism for myself, but this country"s economy would collapse if too many people adopted a minimalist lifestyle. Look at today's covid inspired economic damage. People aren't consuming as much and the economy suffers. Massive federal debt will soon cause devaluation of the dollar and increase economic problems. We're heading for a no-win situation.

[@carlkpsplucky5554]

There has to be a bottom for there to be a top.

[@dancebrittany23]

People that just "get rid of a dog" are the worst. Dogs aren't a phase. You make a 15 year commitment when you get a dog. It's not a car, it's part of your family.

[@Five0Music]

It was a revelation to me to discover that the only thing keeping me from having... was buying.

[@clintbeastwood1947]

“That one, you might need to sell” 😂

[@faxoxo2306]

ClintBeastwood I was actually thinking he should just sell it and then Dave said and I could not stop laughing 😂😂😂

[@wendyclcl]

Yes, he can probably get back 50% of original price when he sell it to the used luxury bag market.

[@sweetasflip]

Wendy Li beautiful thing about LV is it appreciates it’s value over the years.

[@markwhittaker6866]

😂😂😂😂😂😂

[@gregadamo4423]

Thank you Dave . I’ve been listening to you for a few months now. I always thought I was responsible and disciplined with my finances , always paid my bills on time however your information and insights opened up my perspective and made me really good and mad ! Thank you, thank you, thank you. It’s like a light bulb just turned on.

[@LittleMissRockChalk]

Not trying to keep up with the Joneses is easy when you choose to stop sticking your nose in the Jones’ business. ☕️🐸

[@That-Wanderer]

I dont even know who the Joneses are, lol

[@gloryraineisawesome36years89]

Andrea Bailey me neither

[@iironhide6209]

@@gloryraineisawesome36years89 In the 50's, everyone in the US Middle Class tried to be as wealthy as them by buying everything the bought.

[@iironhide6209]

@@That-Wanderer the kardashians of the 50s

[@blackworldtraveler3711]

@@That-Wanderer The Joneses are probably more than half the people in this country that are pulling money out of their 401ks right now.

[@jomontanee]

4:40 Those laughters. I love them!!!

[@canadiankid42]

I just wish our education system was overhauled and they actually started teaching our youth about practical things like money!

[@SuMMeRFLi5]

That won't happen because the banks and credit card companies wouldn't make any money.

[@blackworldtraveler3711]

Go to the school library and learn. You already supposed to know how to read and do math.

[@dianewebster3752]

My sister teaches a finance class in HS. She starts off the year telling all her kids that if they listen to her and do what she teaches, they will be millionaires by the time they are 35. We both came from very humble beginnings and now she's about to retire early! She's been on the Dave Ramsey wagon for years! So proud of her! I'm starting myself.

[@1redrubberball]

That's the job of parents.

[@judyjohnson9610]

@@blackworldtraveler3711 You would think it was far more complicated than that with the way people whine about it. Make sure you have more coming in than going out and spend wisely. Parents are not setting a good example, either

[@christopherharmon9336]

My first motorcycle, I put 26,000 miles on. My second motorcycle....3947 miles...in 9 years. I took it to a consignment shop yesterday. This video really hit home.

[@thatmanvic]

I'm 24, single, have my own place and have a pretty nice cushion of funds in the bank thanks to not being all too concerned about keeping up with the Jones's. Sure I have a car loan and student loan, but the car I'm in track to pay off early next year (got it march 2019) and the student loan will be next. It's truly about discipline and not being concerned of what new fad you can exploit to achieve some grand-dios social status.

[@thatmanvic]

@@IJoeAceJRI I dont have enough now, saving until I can and still have some left over.

[@thatmanvic]

@ Workforce Management Analyst

[@ShaunaDDye]

Minimalism is the best concept my husband and I ever embraced! It allows us to put our energy and financial resources only into what is truly important to us.

[@mictrey2267]

I use to be exactly like this. I sold everything except my Jeep and my home. My Jeep will be paid off next month. Looking to save and have land to raise my own food. My dream is to retire early and be a minimalist as soon as I can.

[@eric6990]

If you’re plan is to really produce enough food for a year... don’t get rid of it all. Go visit a local farmers barn.

[@gb8518]

I remembered on 2009 my neighbor's garages are full "historic" stuff. Today new young families neighbors only have laundry appliances and the cars. Sociology calls evolution.

[@justonemori]

Give it a few decades, they'll get there.

[@jillygirl2024]

" All that glitters , is not gold." This saying has stuck with me for years and it is very very true

[@davidjensen3474]

Hey, I am 50 years old, debt free and I have learned so much from these young minimalists on You Tube. It's unreal! Just don't have an ego. These young people are really on to something!

[@theladyinthewater27]

I don't even own a TV! No need to pay cable! Free KZbin on my iPad works for me!!! I link through my phone hotspot so I don't pay $129 per month on internet service. This is the first year I’ve saved up some $. $11k in savings mostly hustled with 5 jobs, but it worked. Paid off most of credit cards as well!😁

[@elisahamilton73]

$129 for internet!!!! I pay £17 a month in the uk and think that can be reduced.

[@fkcavs]

How many hours do you work per job on average?

[@bryanjansen1456]

I pay 29.99 per month for my 150mbps

[@ЕкатеринаАкатьева-б8б]

Better you get a nicer job, so that you don’t have to work 5 jobs to save $129

[@ld4974]

I like my "stuff". Not going to pretend that owning nice things doesn't add value for me. Just pay cash.

[@pizzaman9170]

Never like something that can’t like you back.

[@ld4974]

Marc Archibald They are not “far, far richer” than me unless they own a lot of things. That’s kind of how being rich works.

[@KyleWilliamsMusic1]

Wait a little bit then you will get bored.

[@scarpfish]

Just pay cash...and put it in your budget. Impulse buys can wreak havoc on your finances even when you do use your own money.

[@kajlac]

Just paying with cash won’t cut it cause you can pay with cash and spend all your cash...

[@BlakeMcCringleberry]

Now that I get to work from home, I have found that minimalism has really changed my life. No need for clothes, soap, razors, deodorant, and gas for the car. I'm not even sure I need the car anymore, to be honest.

[@SherryEllesson]

No need for...soap?!? Well, I guess if you're not bathing, using razors or deodorant and not wearing clothes...maybe it's just as well for the people you'd encounter out in the world that you don't keep the car.

[@thecatnextdoor12]

Demand for soap and shampoo decreased since most people started to work from home.

[@coasteyscoasteys]

@@SherryEllesson Warm water with a scrub of some sort is all you need

[@BernardBrunu1]

This most be a joke

[@judyjohnson9610]

@@thecatnextdoor12 "at home hygiene" is more relaxed than "at work hygiene" Pretty sure that most people relaxed a bit on the hygiene if they found themselves working at home or not working

[@yit555]

I drive a 1992 Geo and still have my iPhone SE from 4 years ago. Both work fine, no sense in replacing them - even though advertisements tell me every day that I should. Do yourself a favor and resolve not to keep up with everyone else and live your life at your own pace.

[@MsLisaBrooks]

More stuff = more stress for me at this point in my life. I am dumping stuff I bought 25 years ago that have been sitting in boxes.

[@Sashique86]

Reminded me that I need to clear a LOT of stuff. I moved house and it's nearing a whole year and there's a load of boxes I haven't even touched since moving in. I'm just accumulating needless stuff throughout my life.

[@TheGoat-qw6jb]

I just decluttered my room the other day and felt better! Once you realize that material things don’t make you happy you save more and buy Travel and time!

[@MrPoole]

Great message today. So glad I watched this rather then family guy on my break. Thanks!

[@ginelgeorge6220]

I see a lot off nice cars on the road, and I remember a statistic in UK, where I live, that 30% of this luxury cars, are in lease.

[@iscraper6008]

I’m in the UK too. It’s hard not to feel inadequate sometimes with all the Audi’s / Merced’s driving around. But I keep telling myself that most people must be overspending to look richer than they are

[@dayday95644]

That number seems low to me. Everyone I know is either leasing a car or has a loan to buy a car

[@simonwilson4166]

@@dayday95644 agreed very low in my experience, my car is 12 years old and my colleagues look at me like I'm crazy with all their leased cars.

[@judyjohnson9610]

@Brinky Tax write-offs are overblown. You don't claim the money you spent against your taxes payable. You just don't have to pay taxes on that money. You still have to earn that money

[@cassieshaffer8613]

I agree! Now my problem is trying to keep out of car debt. Even when my 8000 car is paid, I still have repairs and then boom you have to buy another. I need some help with trying to understand car debt. Cars are huge liability for life for some.

[@wolfofdubai]

The world has a problem *Hunger, water, sustainable living, debt* - list goes on...

[@SIGSEGV1337]

Alot of them are also problems caused by the United Status government, curious

[@trwsandford]

@@SIGSEGV1337 those problems are mostly self inflicted wounds of people with too much faith in a government.

[@SIGSEGV1337]

@@trwsandford No they are mostly the result of a ruling class devoid of religion save for the occasional republican lip service.

[@Sunshine4]

SIGSEGV and dislike of the environment, we are destroying our works because some 1% makes $$$$ off oil...

[@BenCarnage]

I think it's a sign of maturity understanding that happiness mostly comes from within. After the happiness from within you get happiness from others. Way way way down the list is the happiness you get from stuff.

[@astridferrera8742]

I reached that point where certain things just bug me, like why did I buy this trying to undo years of collecting stuff is draining but I am using my Coronacation to declutter a bit and hopefully not build it back up.

[@teagarden874]

My brother in law who is a vice president of a major bank came to visit. We live in a nice area but have an old car which we were a little embarrassed about but we are debt free. He told us that half the clients from our neighbourhood are maxed out in credit card debt to keep up appearances. One major crisis and they'll be in serious trouble. He said he wishes everyone handled their finances more responsibly.

[@vicepresidentmikepence889]

People say..If I get a house, I'll be happy..Even though getting a house usually means getting an insane amount of debt

[@Khaltazar]

My decision to buy a house was a financial decision, I didn't let my emotions guide that decision. I looked at my long-term financial goal and found buying a house is more financially viable for my situation. Sure, I enjoy being able to do what I want with the house, but it isn't the reason I made my decision. I agree that making a decision thinking something will make you happier is a poor choice.

[@xxZerosumxx]

If you buy or rent you will spend money. If you rent,the money is making someone else rich. If you buy you're investing in yourself.

[@privateprivate8366]

Perhaps but, I’m in part thinking of buying a house, because my rent keeps going up and it’s not worth it, for the space nor the lack of investment.

[@insideoutsideupsidedown2218]

This is maybe one spot I don't agree with Dave and that is buying a house vs apartment. My wife and had an apartment the first year we were married and could not stand the environment, the ability of someone walking into my place when I was not home, and once when I was, the noise and lack of response on issues from the management. I made it a priority to get out and get a house. It paid off in the long term, as my home at that time, even though in a older not so attractive neighborhood, went up 20k in value. My second home has almost doubled in value. The only thing that doubles at an apartment is the rent. Even if the house owns you for a little while, long term it pays off big. Never ever again will I live in multi-remnant housing.

[@That-Wanderer]

I feel your pain. I want a home, but cant afford to get one yet... or even find one

[@bradhampton6457]

My 87 yr old mother has this problem. We recently got her moved to assisted living and sold her 3 bdrm home. 1721 sq feet. It had enough stuff in in for 3 houses.

[@drowjackson3512]

I think a good rule of thumb is each paycheck you get, put 10% into non-necessities. Then try your best to only use that money to buy things you want

[@xmochix604]

I'm a minimalist and also have been collecting handbags for over 10 years. I love it. We are in our 30s about to be mortgage free in 3 years! Can't wait!

[@dawnt5587]

It took me awhile to get there but my husband and I both are going through this. Less is better and it’s easier to dust.😀

[@ellenmoritz7583]

Remember, it’s not a bargain if you don’t need it!

[@pariswalker2397]

Minimalism is awesome! When you have less things, you can focus on living more!

[@borreholic]

I came across a minimalism-themed article a couple years ago titled "Your house is not a spaceship lost in space". Just that phrase really stuck with me. We fill our houses with every imaginable junk item that we might need "some day" just like a friggin spaceship, when we instead could have borrowed or rented it when need be, or bought it probably within 20mins from our doorstep not before the actual need would arise.

[@etiennensengi9793]

That's why I stay indoors to avoid meeting sales people who might persuade and pressure me into buying things that are not needed to begin with

[@miguelrobb5719]

You can just tell them “no”

[@Bb2b75]

Elon Musk is in the process of selling some of his mansions in an effort to simplify. I hope it catches on.

[@dontundra2259]

Bradley Fourty 5 I heard him say that on JRE. He sounded genuine.

[@ArtyAntics]

That’s because he is in copious amounts of debts...

[@zolozek3327]

Maybe it's because he's moving his company out of California

[@adammanning1805]

Elon is moving underground.

[@Defy_Convention]

Easy to simplify when you're worth billions lol but I catch your drift.

[@fe9ner256]

I am only 15 years old, but I think Dave will be very useful later in life

[@210SAi]

He has sound advice. I got burned following Suze Orman over Dave because she says debt is okay so I took out student loans which took me over a decade to pay off. Stick with Dave’s plan

[@shotbytoniorydell8418]

I tried to have a talk with a guy at my job who buys designer stuff like Louis Vuitton n Jordan’s every week or so . I personally didn’t want to judge him for spending so much money on those things , but stuff like that doesn’t fulfill me . I love the feeling of looking at my bank account seeing a big savings ; looking at my stock investments going up ! , having no debt ; traveling ; giving bck to charity . things like that make me so HAPPY !! I love nice things too but it’s not a NEED . The guy at my job loves to impress people , and has a lot of debt

[@thecatnextdoor12]

Let him be. Worry about yourself. It’s like those Vegan people trying to change everyone around them.

[@shotbytoniorydell8418]

The Cat Next Door Agreed definitely! That’s why I said I won’t judge him cause he prolly knows how to manage debt n money a certain way that I personally can’t .

[@kevinromero9223]

Id rather be rich someday than look rich today.

[@vivianblack2951]

People at work were begging me to buy new clothes. I was paying a mortgage by myself and just getting by. Now I have new-ish car, house and some money in the bank. No debt.... and still not many clothes.

[@privateprivate8366]

What’s difficult to address is also the “change in plans”. For me, I was supposed to inherit a home but, my mother turned into a narcissistic nightmare and that is over now. I would like to, however, buy a home so, I’m working towards that, although this caught me at a rather late time in life. But, one of the things it taught me is that people can be clutter, too. So, I’ve let her go.

[@Rashaadthegr8]

This why I usually spend my discretionary income on personal development. For example health and fitness and education AKA investments to brighten my future not depreciating assets to darken my future. I never owned a flat screen TV or an iphone.

[@MBarberfan4life]

I hate depreciating assets. I don’t want to ever buy a new car, for example

[@JibbsCompilations]

I really enjoy when Anthony's on!

[@Ragnarok1979]

Money can't buy happiness, but it can buy you a Dodge Challenger hellcat and that's basically the same thing.

[@unfairsanic5089]

It will break down on you and you will cry paying for it

[@Donzaloon]

@@unfairsanic5089 everything breaks down.. so I guess you just don't buy anything you want ever in life and then just die with money? And no I wouldn't cry because I can buy the car, keep up with it and fix if something goes wrong. The people who "cry" when it breaks are broke people who can't afford it.

[@deecee5212]

Similar 😎👍

[@1redrubberball]

Being an old muscle car enthusiast, now retired, my priorities are different now. My 2013 Challenger R/T w/6 speed does it for me!

[@unfairsanic5089]

@@Donzaloon I think you are confused of the word quantity vs quality, my gold ring dosent break down, my 2 phone dosent break down and my toyota dosent break down since I bought it used, its called maintaining it while you are still alive if you are compairing it to a hellcat that its owned by fiat junkyard it will break down within 4 years of owning it and it will become endless money pit that no person will own it especially if you are middle class or broke, dont let car ad fool you

[@GhostTraderz]

Branded bag(LV)=$5000 Vs None Branded(Burlington)=$20 Saved $4980 for the same product 👍

[@Wakester115]

Sometimes I’ll look around at the items in my house and wonder what it would be like if I could trade them in for the money I paid for them...

[@philmarsh3859]

A bike ride about my town shows the reality. Garages stuffed with junk. My garage has a few yard maintenance things but I can still get a few bikes and car into it.

[@SherryEllesson]

My garage is full....of woodworking tools! lol The big joiner/planer was bought used but the rest, saved for and purchased over time, help me finish the inside of my house, build bookcases and other furniture, and are a creative pastime.

[@philmarsh3859]

@@SherryEllesson That makes sense. This is equipment that you're actually using and getting value/enjoyment from. Most of the time, it seems like people cram their property with stuff they never use. A good example is what I keep encountering when I rent while working out of state. Landlords have their place so packed with useless junk that they can't take even a few of your (the renter's) items. I'd suggested to one landlord that she have a massive garage sale to get rid of the semi-loads of junk and old, unused furniture from her garage and house. She said she needed to keep it because of the "nostalgic value". If I were a devil dictator, I'd force people to part with their junk and give it to the poor in place of some of their taxes. I'm both a landlord and tenant and my rental has plenty of room for my tenant's stuff - even though most my my stuff is there too.

[@TheGeorgiaGent]

I have 212 THOUSAND miles on my motorcycle, two dawgs...and NO wife, which equals NO DEBT. Thank you.

[@PInk77W1]

Awesome.

[@Bumblebee-jl3ur]

I love this clip! Dave and AO really gave something special on screen.

[@label1877]

Something odd about people who live in Georgia. 9 out of 10 homeowners own a huge house. Often 4,000 or more square feet with just one or two people who live there.

[@dorisdanielsen3296]

A perfect example are boxes of holiday decorations. They are often a bunch of plastic stuff. When I moved, I pared down to a few special things. For Christmas, I use pine boughs from my tree, pinecones and candles. For autumn, it's pumpkins, beautiful edible squash and autumn leaves. For Easter it is fresh flowers. No more fake stuff, and no more boxes of junk taking up space and money.

[@gardenlife-vz7pi]

I'm so glad that I don't watch much TV. Maybe 2 hours every two weeks if that. I would rather read a book.

[@denn4367]

@Edward Muller V agree all you see on tv is a bunch of talking heads. Talking about nothing

[@Natashea]

Seriously too much marketing!!! I’m on a rampage to get rid of stuff.

[@1.5Koreans0.5American]

Anyone else trying to cut their expenses?🙋‍♀️ I’ve been trying since the beginning of this year.

[@ridwanslife]

I like the vibe Anthony & Dave have. It's pretty good to watch and I really feel good.

[@danielmartinn]

Anthony! I’ll take the backpack 😀