Dave Ramsey's SECRET TO WEALTH & RICHES Will Leave You SPEECHLESS! | Jay Shetty

Jay Shetty chats with Dave Ramsey to talk about having a healthy relationship with our finances. Having a lot of money, buying a house, owning expensive cars, living in luxury - many of us dream of becoming rich and we work hard to reach this goal. But it’s never an easy goal to achieve, and more than anything, not many of us can have great financial success.
Dave Ramsey is an eight-time No. 1 national best-selling author, personal finance expert and host of The Ramsey Show, heard by more than 23 million listeners each week. He has appeared on Good Morning America, CBS Mornings, Today Show, Fox News, CNN, Fox Business, and many more. Since 1992, Dave has helped people regain control of their money, build wealth and enhance their lives. He also serves as CEO for the company, Ramsey Solutions.
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What We Discuss:
00:00 Intro
02:16 How did it start for Dave Ramsey?
06:26 How to start having a healthy relationship with your finances
09:51 Stories about loans and debts
12:27 Can anyone be a millionaire?
15:45 We become who we hang around with
18:42 Incorporating spirituality into your finances
21:25 Difference between a millionaire and baby steps millionaire
27:00 How to become a millionaire?
30:38 The ability to delay pleasure is a sign of maturity
35:07 Winning does not heal you
39:26 Why do we have a fear that wealth will ruin our kids?
47:32 Why equal is not fair
53:02 Dave on Final Five
Do you want to meditate daily with me? Go to calm.com/jay to get 40% off a Calm Premium Membership. Experience the Daily Jay Only on Calm!

[@SophiaChristian-so2of]

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.

[@cythiahan8455]

Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields

[@MarkFreeman-xi3rk]

Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $483k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.

[@AntonioBianh]

@@MarkFreeman-xi3rk I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?

[@MarkFreeman-xi3rk]

The adviser I'm in touch with is Margaret Johnson Arndt . You can use something else, for me her strategy works hence my result. she provides entry and exit point for the securities I focus on.

[@tatianastarcic]

@@MarkFreeman-xi3rk This information is valuable. I quickly searched her full name and her website appeared instantly, showcasing her impressive qualifications. Thank you for sharing.

[@chris-pj7rk]

Building wealth from nothing involves consistent saving, disciplined spending, and strategic investments. Begin by creating a budget to track expenses and identify areas for savings. Prioritize paying off high-interest debt and establishing an emergency fund. As you build a foundation, start investing in low-cost options like index funds, and focus on continuous learning and improving your skills for better income opportunities.

[@jameswood9772]

Impressive insights! For beginners like me, managing and staying updated can be overwhelming. Are you an experienced investor or do you have a strategic approach for staying informed?

[@alexyoung3126]

Absolutely not, as I've closely tracked my portfolio's performance, witnessing a staggering $482k growth in just the last two quarters. This experience has taught me the secrets behind experienced traders' substantial gains in what might appear as unpredictable markets. Undoubtedly, it's been a bold and rewarding choice I made fairly recently.

[@lawerencemiller9720]

That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the name of the advisor who has been assisting you in navigating these financial challenges?

[@alexyoung3126]

"Lisa Angelique Abel" serves as my advisor, bringing extensive qualifications and experience in the financial market. Her deep understanding of portfolio diversity positions her as an industry expert. I suggest delving into her credentials for further insight. With her considerable experience, she offers valuable guidance to anyone seeking to navigate the complexities of the financial market.

[@lawerencemiller9720]

Thank you for the information. I conducted my own research and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call. Her expertise is impressive, and I'm eagerly anticipating our conversation.

[@Americanpatriot723]

Dave Ramsey's has mastered what patience looks like. He has stuck to the markets, having a long term view on the markets. This is what I'm struggling to do, trying to learn how to not react to market news about inflation and all. I have currently set aside about $253k to put in the market now that prices are down. Any ideas?

[@MIchaelGuzman737]

It takes some gut to really remain in the market despite downturns and all. So just find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.

[@sommersalt88]

@@MIchaelGuzman737 I agree. I have pulled in more than $1.4 million since 2020 through my advisor. It pays off more in the long run to just pick quality stocks and ride with those stocks.

[@CynthiaByrd648]

@@sommersalt88 This is something I've been planning to do for a while now. My portfolio has been falling, and I'm scared, but I know the market always recovers. I wonder if I've been on the right stocks. How do I get in touch with your advisor?

[@sommersalt88]

I work with "LISA ELLEN SHAW". I understand what it's like to see your portfolio going down. I hope the performance improves.

[@Suntz_u]

@@sommersalt88 Thanks a lot for this. I really needed the recommendation, and I would love to move my funds from an existing mutual fund. I'll check her out.

[@Lourd-Bab]

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

[@Williams093]

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

[@Lourd-Bab]

@@Williams093 However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

[@Williams093]

@@Lourd-Bab Oh please I’d love that. Thanks!

[@Lourd-Bab]

@@Williams093 Judith Ann peace is her name

[@Lourd-Bab]

Lookup with her name on the webpage.

[@legacymedia8468]

Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. A trader made over $350k in this recession influenced market

[@kaylawood9053]

Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.

[@lisaeby3494]

Since my divorce 24 years ago, I have been following Dave’s baby steps, raised a child using the compound effect in every aspect of my life; I have been mtge free for 6 years and live debt free. Still work FT but have financial freedom to be more generous with my time to serve others. It’s the most amazing feeling in life.

[@frankrodriguezit]

🙏🏽✊🏽

[@Jessica-bu5nv]

Wow, this is something I’m starting to do! I’m on the same steps 👏🏽🥳🥳🎉

[@Haveagreatpositiveday]

What happens if you lose your job for and don’t work for 5 years what happens then ?

[@thealexandraway]

Congrats 👏🏻

[@AS91ist]

What do you mean by raising a child using the compound effect?

[@thinkaboutit1133]

Wow! Jay and Dave together. What a pleasure listening to both!

[@perfectlymprfct]

We follow Dave Ramsey's baby step and biblical principles. We are out of ALL debt and have $65K left on our mortgage and will pay it off in 2023. Don't go half way - go all in by getting on a budget and living on less than you make. We read his book, "Total Money Makeover and went through FPU. My husband was against it, but came around after an unhealthy ultimatum. I was DONE! You be DONE too.❣

[@yaripzamaldonado4800]

Love your story..wishing you to accomplish all your dreams.

[@delife_bkk]

I got the TRUTH and no doubt about MONEY. I am out of this world, running by MONEY and leading by 4legs until no MAN left. I am not a follower.

[@velayuthman]

I started stacking to SAVE wealth. I've always been the type of person to spend my entire paycheck. I hate having money just sit in the bank. I am under pressure to grow my reserve of $950k. before I turn 60, I would appreciate any advice on potential investments.

[@Curbalnk]

A solid strategy can be a key component of an investor’s portfolio. Well, the bigger the risk, the bigger the reward and such impeccable decisions are better guided by professionals.

[@TeresaBrickle]

@@Curbalnk Yes true, I learnt that in 2020, when I lost almost everything. But I switched to using a financial advisor and I've been returning at least $98k every month so I’ve been sticking to investing via an Advisor.

[@colleen.odegaard]

@@TeresaBrickle I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

[@TeresaBrickle]

There are a lot of independent advisors you might look into. But i work with *Stacie Kristal Weber* , and she is excellent. You could check her out and proceed with her if she satisfies your discretion. I endorse her

[@colleen.odegaard]

@@TeresaBrickle Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@JennyLawHere]

We experienced the pinnacle of our era, but it is now gone. Like what happened to Rome, the corrupt administration will bring this nation to an end. My condolences go out to anyone who is close to retiring and may be worried about whether their pension will be enough to pay the rising cost of living. Insane fiscal policy, poor regulatory policy, poor energy policy, and poor foreign policy

[@sheliaswelttk2535]

50 and early retirement. I'm very worried about the future and where we're all heading, especially in terms of money and how to get by. I'm considering making my first investment in the stock market, but how can I do so given that the market has been in a mess for the majority of the year?

[@joshcassigham9800]

@@sheliaswelttk2535 Personally, I can connect to that. When I began working with "Juliet Eve Downey," a fiduciary financial counsellor, my advantages were certain. In these circumstances, I would always advise getting professional help so they can steer you through choppy markets and just give you indicators and strategies for knowing when to enter and exit the market.

[@sheliaswelttk2535]

@@joshcassigham9800 Please tell me how I can have such skills. My funds are being murdered by inflation, therefore I'm looking for a more profitable investing strategy to put them to work.

[@joshcassigham9800]

@@sheliaswelttk2535 You can look up the financial advisor using her complete name on your computer; I hire her since she looks after the portfolios of renowned investors.

[@sheliaswelttk2535]

@@joshcassigham9800 I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look her up and send her a message. You've truly motivated me. God's blessings on you

[@nshna905]

Since I'm following Dave. I have no more debt and pay everything by cash. My house and cars are all debt free now.

[@CarterHall-re5fu]

The absence of stock investments has left me with a sense of remorse, albeit I'm appreciative of my decision to maintain funds in the money market. With roughly $200k nearing maturity, I'm gearing up to step into the stock market. Could you advise me on suitable stocks for a beginner looking to steadily increase their capital?

[@Angelinacortez495]

Considering seeking counsel? Engaging with a financial advisor is worth exploring. While independent management is feasible, financial advisors bring a depth of knowledge and expertise to the table.

[@JackHudson.]

The role of advisors is frequently overlooked until individuals suffer the consequences of their emotional biases. Recalling a couple of summers ago, amid the turmoil of my lengthy divorce, I found myself in dire need of assistance to stabilize my struggling business. This led me to seek out licensed advisors, eventually connecting with an exceptionally qualified individual. Through her guidance, my savings not only weathered inflation but also surged from $275k to $850k.

[@Jamesrogues60]

What actions should I pursue to embrace this opportunity? I am earnestly focused on safeguarding my financial well-being and am eager to participate.

[@JackHudson.]

Laurelyn Gross Pohlmeier' is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@Emmahernandez.]

I researched her complete name online and found her page. Following this, I sent an email and arranged a meeting with her; now, I eagerly await her response.

[@delfinadelmar6726]

Dave Ramsey changed my financial life! 🙏

[@anthonyrussell5718]

I've seen people make seven-figure profits in both declining and rising markets; it all depends on the information and methods used. There is no doubt that the recession and crisis have benefited some people significantly.

[@Curbalnk]

Having the necessary strategy to profit in this market is one thing, but having access to exclusive market information that isn't disclosed to the public is quite another, which is why the pros are crushing it this time.

[@lisaollie4594]

@Lloyd Bernard I have been involved in all of them for a very long time, even though I won't pretend to have made or lost a fortune in any of them. If you know of a specialist who offers a range of financial options, please let me know. You can count on hearing from me.

[@lisaollie4594]

@Lloyd Bernard I was curious about Kaitlin , so I searched her up online. I found her website, which boasts of her accomplishments and shows that she is a sharp FA.

[@anthonyrussell5718]

@Lloyd Bernard I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor

[@marionexley607]

I found Dave Ramsey in 2015 swimming in debt with one small income. I have now paid off all my debt, I have a paid for house, an emergency fund and have never felt more peace. His plan works, do the baby steps in order and how he teaches it and you will be financially FREE oh my god it feels soooo good.

[@ramonaneyrinck2292]

❤❤❤ I found him one year after you and became debt-free just before Covid hit

[@chandradwhaj5326]

Dave is my Godfather he just doesn’t know it😂 I preach his name to my family all the time! I have been listening to Dave for almost 25 years! He is the best and very generous with his time.

[@KNDlifeacademy]

wow 25 years! Where do you listen to him ? does he have a podcast ?

[@chandradwhaj5326]

@@KNDlifeacademy He does have a podcast

[@itsme_mrsdoe]

He’s been “Uncle Dave” in my household for nearly a decade 😉

[@MartinNeduEgwuagu]

I paid off $150k in debt in less than 5yrs under Dave’s Financial Peace University course.

[@JTrys]

Yes 100% looove Dave Ramsey! I’m not Christian but I love to learn about all different faiths and I believe it’s so important to teach certain values to people ❤️

[@rosemaryowusuafriyie7866]

WOOOOOOOW good to hear that sister come to Jesus Christ . Because . He died for everyone

[@rosemaryowusuafriyie7866]

The big question was first of God ❤

[@nicolasjackson8389]

Pls my dear Jesus is the way the truth and the life. If you read your bible it will be clear to you

[@RealEstateBaby]

​@Rosemary Owusu Afriyie You give Christians a bad name.

[@RealEstateBaby]

​@@nicolasjackson8389 You give Christians a bad name as well as the other commentor.

[@jollysue6726]

The millionaire next door is one of my favorite book.

[@afnanadit1029]

"Becoming Wealthy Makes you more of WHAT YOU ARE!"

[@ROCKSTARDETAILING]

If you're a douchebag and become wealthy ...

[@clarisamompremier1110]

Dave and his principles saved my life and got my family out of debt! Super grateful for him! Love the vibes of this interview.

[@amyhoang9140]

Deep respect for Dave as he not only teach people how to build wealth but to do it with integrity. Thanks for this great interview!

[@kenkioqqo]

Dave Ramsey has changed my life completely and I only discovered him two months ago. My finances are many times better since I started listening to him.

[@delife_bkk]

I got the TRUTH and no doubt about MONEY. I am out of this world, running by MONEY and leading by 4legs until no MAN left. I am not a follower.

[@annaliehinkle980]

I just discovered him today and listen just now I’ve heard his name before I think 2010 and then not listening hayy nako

[@kenkioqqo]

Welcome aboard, @@annaliehinkle980. His wisdom in finances and relationships is very applicable no matter where you are in life. Am sure you will find it helpful.

[@helenflorentino5231]

Eight years ago, my friend invited me to attend Dave Ramsey’s class via her church. I stick to what I learned, and stick to my budget. Closed few credit cards, applied payments to my mortgage principal every month religiously. Five days before I turned 60 this month, I paid off my mortgage. I am retiring end of April and debt free. Thank you, Dave Ramsey.

[@mrmoneybagz]

Way to go,@@helenflorentino5231. I'm right behind you. I want to retire debt-free with a paid-off home and investments to support my lifestyle when I'm no longer in the workforce. We can do it.

[@chrysopigilazarakou5113]

2 positive people together!! They ROCK!! 💕

[@charmedlife6933]

Great nugget: Gratitude developed from giving. A far cry from a mindset of scarcity which is facilitated by fear.

[@GillerHeston]

Though everyone loves the luxury lifestyle but many don't want to take the risk to invest or work for it.. Now's the best time to buy the dip and it's an opportunity that will grant you all the luxury you crave for.Very interesting content, i would also be glad if anyone here can explain a few things for me, this is 2023 and I believe it's my time to invest and shine for a better future.

[@eloign7147]

I think the one thing most investors miss when calculating intrinsic value, is that they look solely at the history to estimate growth in the future. The growth rate is very important, it arguably should take the most time in valuation. The past 10 years could be unusually good/bad due to acquisitions/dispositions affecting financials. Look to the future and make your best judgements.

[@rogerwheelers4322]

There is one thing I have learned in recent months it is to remain calm, especially when it comes to investment in Stock. Learn not to sell in a panic when everything goes down and not to buy in euphoria when everything goes up. I advise y'all to forget predictions and start making a good profit now because future valuations are all speculations and guesses.

[@joshbarney114]

You are right but the market is profitable if you are using a really good broker or account manager to help out with trades or provide signals. Having monitored my portfolio performance which has made a jaw dropping $770k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market.

[@FabioOdelega876]

@@joshbarney114 What strategy do you use please?

[@joshbarney114]

Having a counselor is essential for portfolio diversification. My advisor is “Colleen Janie Towe” she covers things like investing, insurance, making sure retirement is well funded, going over tax benefits, ways to have a volatility buffer for investment risk, many things like that. She is easily searchable and has extensive knowledge of the financial markets.

[@marialgallardo5887]

Two favorites together! What a treat, and must listen and follow on their advice!

[@Riggsnic_co]

These are very valuable rules for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $89k now to put in the market.

[@hermanramos7092]

Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. I know someone who made over $350k in this recession influenced market, but to the best of my knowledge, it was through a financial advisor.

[@Oly_laura]

Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2019, and I return at least $21k ROI, and this does not include capital gain.

[@martingiavarini]

@@Oly_laura Would you mind telling me how to contact this specific coach using their service? You seem to have the solution, as opposed to the rest of us.

[@Oly_laura]

@@martingiavarini I really don't like making such recommendations, because everybody's situation is unique. But there are many freelance wealth managers you could check out. I have been working with “Catherine Morrison Evans” for about four years now, and she's really, really good. If she meets your discretion, then you could go ahead with her. I endorse her.

[@martingiavarini]

@@Oly_laura Thanks for sharing this. I did my own little research, and your advisor looks advanced and experienced. I wrote her and dialed her twice but she didn't pick up so I scheduled a phone call.

[@barbarahall5514]

Believe…conceive…achieve…starts with looking in the mirror! Dave is my Dad reincarnate who died a multi-millionaire my dad use to scream at me “stay out of debt, live w/in your means, stay in a budget, don’t be a show-off!” Exactly like Dave! ❤️ so much respect for Dave, where the mind goes the body follows-Joyce Meyer

[@donaldlyons17]

Well but if you make t0o little most of that is impossible.....

[@KristySI]

Two of my favorite people to listen to! Thank you so much 💓 greatly appreciated

[@ketocajun7451]

Worked to be debt free after college, then marriage/house - Debt free (2nd time) 6 years later. Dream house/kids/etc, debt free (3rd time) 3 years later. Now in highest income ever for my wife and I and no bills. Being debt free is a mindset not an exercise. It is freaking common sense, like Dave says. I followed his advice BEFORE I ever heard of him but he has influenced me throughout the years. If you are making money for a bank then you are NOT making money for yourself.

[@annoravetz5908]

Thank you for having Dave on. I was scrolling past several times, and was glad to have stopped and watched all the way through. Yes, I just discovered the Living L'chaim channel. I enjoy listening to the rabbi. Also, Dave's daughter Rachel is carrying on to the next generation, and she is great with identifying with the female sector.

[@nikki4911]

Love Dave. He saved my life and finances.🎉🎉🎉🎉

[@octobermoon3594]

YES ANOTHER GREAT SPEAKER! THANKS JAY! I PERSONALLY FOLLOW MR RAMESY'S STEPS.

[@joyritzimagno]

I follow Dave’s principles! Thank you for being around! We love you! 🙏🏻❤️

[@beautyfrmwithin]

This interview was AMAZING!!! Thank you Jay for having Dave on. His principles around money has changed my life.

[@change4me]

This is awesome I literally have Dave’s baby steps as my Lock Screen right now so I can work on getting rid of this debt once and for all

[@VirginiaMoonMusic13]

What a blessing!!! Thank you both!!!

[@OpenBlank4723]

I love how Dave Ramsey is not surprised by his Wealth

[@lightbright5155]

My father introduced Dave Ramsey to me when I was 18 but I didn’t too much care (being young & dumb) to listen & now 8 years later I’m 26 years old & something fell into my spirit to go listen to this show & I did. When I tell you I feel a spiritual change within myself that I’m so grateful for & regretful at the same time for not listening then but thank you God for allowing me to mature enough to follow my intuition. This show has been a blessing to me individually, spiritually, financially & to my marriage. Thank you Dave for your teachings & thank you God for the understanding you’ve given me at the age I am. I needed to hear this being in the generation where social media influences our behaviors & mindsets!!

[@cindyperez2837]

Love both of you, your talent and wisdom! all blessings your way......

[@andreapiasantana9598]

I LOVE when he just clapped his hands and said you DECIDE !!!

[@paulinemwaura6456]

Awesome teachings benefited so much from his baby steps teachings.

[@lindawynn9042]

This was the first time I've heard one of your shows. I thought your questions and comments were so insightful and brought out really meaningful discussions. A superb job you did! Thank you!

[@diyandy3172]

Brilliant episode. Thank you so much, both of you!

[@GrannyLinn]

I don’t ever expect to be a “millionaire” but have been following this plan for about 15 years. I’m out of debt, have a small balance on my mortgage, and am enjoying a peaceful retirement. Everyone has their own goals.

[@BriannaNicole____]

So happy to see you interviewed Dave, Jay. I had respect for Dave but hearing him talk about how your beliefs dictate your financial decisions made me have that much more respect for him.

[@angeang4795]

Am 28 from Kenya, I just got employed not more than an year ago and I just realized I have never saved anything yet I don't pay rent .I have learnt alot and first is I should get out of debt,,, thankyou ! And be more intentional

[@redeemablesoul]

Very true my African relative..hallo from SA

[@susanjoseph173]

Save save dear fellow kinyan😮

[@GeeDaniela]

Listening to Dave's babysteps has made my life!

[@user-uk2un4li9f]

Thank you Jay. This was brilliant

[@nicolematt633]

Well done @ daveramsey and Jay. I pray more people are transformed through financial knowledge and spiritual principle. Amen.

[@laurenstephens9070]

Great interview. I love getting different perspectives on achieving financial security.

[@rebeccamyers805]

I listen to Dave everyday!! ❤

[@ashleyturner4483]

Ladies this was so good thank you. I love your message ❤

[@AieMem67]

Thank You Mr Ramsey for changing my life and My Families Life

[@CrimsonTideCalvinist]

This podcast is gold.

[@aamirarzbegi2960]

What a brilliant podcast it was jay...!!!

[@janinramirez7]

Thank you for doing this episode!

[@beccaturner8834]

Wonderful conversation. Thank you so much.

[@bezzerbear]

@jayshettypodcast @thedaveramseyshow this was one of the best interviews I have seen in a while. So so so good. Saw a side and depth of Dave and of you Jay! That ive not seen from years of watching. Love you guys!!!

[@vishalchand9109]

Absolutely love this session.

[@danielass2443]

ONE OF MY FAV INTERVIEWS! THANK YOUUUU FOR BRINGING DAVE TO THE PODCAST

[@glowgoddesslifestyle]

This was so good! Thanks for sharing! ❤

[@prashantshastry6877]

Dave thanks a ton, you have been the teacher I have been looking for with regards to money management and wealth building, thank you once again❤

[@ultimateyoong]

Awesome. My favourite finance speaker

[@farshadengameh7196]

LOVE IT. amazing conversation!

[@marionexley607]

what a FABULOUS interview. I love Dave Ramsey anyway and follow his principals but Jay has asked great questions and just lets Dave talk. Jay is a wonderful interviewer.

[@danettemckinnon7251]

Both of these men are profoundly efficient in their careers and I love listening to both of them and they give out such a wealth of knowledge. Thank you for all that the both of you do.

[@fitratan8692]

Thank you Jay for those such great speker lovely to heard 😊

[@TerryCollinsP31Lifestyle]

Love the 5 questions and answers.

[@yinnie4776]

Love this interview!!

[@ericamanorkwablah1067]

Thanks for the positive reminder for my success

[@iammrsjack5020]

Oufff thank you thank you thank you sooooo much great interview and advice. Be generous! Love it

[@jayfarino3721]

Great interview! Dave is so awesome! He calls us all out on the excuses we use of why we can't do this or that. He's a no bs kind of guy.

[@happybutterfly3396]

This was amazing! I have been practicing tortoise (and Ramsey) methods since my 20s (now early 40s). We were able to 'retire early' due to our baby steps plan and we can testify this is true. We paid off our (affordable) house afte13 years and now we live like no one else, summering in another state and living the dream. Both of these men are so brilliant and I loved the combo and synergy in this interview. Thank you!

[@cherylwilliams-dougan1394]

Love your meeting, and honest information, thank you,

[@BarbaraMerryGeng]

Thank you - both 🧡💚

[@chanamarte3236]

Ramsey is my idol and has changed my life and those around me

[@chrisk4053]

Two of my all time favorites!! This is superb!

[@gracejasinthpriyadarsini2489]

My favourite speaker Jay genius l love his speech very much

[@TerryCollinsP31Lifestyle]

That was so good. Such a good example with the car mechanic. WOW!!! So good

[@bobbyglass7214]

This is such a great interview. Great job to you both. 😊😊😊😊

[@Thankfulnes12]

Love your show and God bless ❤

[@UlamilaDalo]

Wow just WOW. Thanks heaps for this. 'Winning doesn't heal you'. 👏👏👏

[@anchy0027]

Very good podcast! The host, the guest and the topic are top!👍

[@kathryncothern3433]

I taught Dave's FPU course to the community for a few years since my Dad and Mom taught me the very same principles when I was growing up, so it was so easy to share with others. Basic Money management principles are timeless. The fundamentals don't change. Behavior is THE foundation for everything. Understand what's behind the behavior and then it's easier to execute. ❤

[@Infertilityandmepodcast]

So much valuable insights.🙌🏾🔥🔥🔥

[@faithmhlanga7282]

I am going to search more podcasts from Mr Ramsey. Mr Shetty thank you

[@edwineisenstaedt4033]

Thank you for your great Programm.

[@johnmacdonald3319]

Thoroughly enjoyed this!!! Fantastic advise and interview.

[@Dianam3na]

Love Dave Ramsey!

[@anaferreira9801]

What an inspiring video! Thanks to both of you and all the people that have made this possible ❤

[@KitKat_Omalie]

This was brilliant, beautiful and full of great insight. Appreciate you both for sharing this content with the world!

[@HugoFlores-nb9wv]

Thank you so much both for such wonderful teaching's. May God bless you both always.. Greetings from Guadalajara Jalisco México

[@betruetoyourself7162]

Whatever your debts, Dave Ramsey is a good mentor to get out of them. Live and give like no one else

[@TerryCollinsP31Lifestyle]

This is a really good interview

[@jessf153]

Great interview! My family followed Dave Ramsey baby steps starting back in January 2016! Changed our family tree!

[@juanharmse6793]

Love this video, well done Jay!!! Massive fan of Mr. Ramsey and his teachings. You will never find better money advice from anybody other than from Papa Dave.

[@khanyisagura4377]

THIS VIDEO!!! THIS IS THEE VIDEO. I'm sharing it with my people right now!!!

[@user-vl8cd2yn5d]

Thanks for doing this interview. Dave Ramsay is frank and at the same time inspirational. He is such a phenomenal teacher on personal wealth management and also timeless lessons on how to live a productive, rewarding, contributing and honourable life.