Dave Ramsey: “100% of us have spending issues” - Here’s the fix!

[@savannahesposito9307]

This is the kindest I've ever seen Dave be, he seems very human and empathetic even. It's nice to see this side to him. I found Dave Ramsey about 2-3 weeks ago and most of what I've seen has been "tough love" "hard ball" and even at times insensitive approaches/comments. While I understand the no BS/blunt approach, I enjoyed seeing this softer side of Dave on this interview with you Erika.

[@yuliskarodriguez7892]

“It’s not mathematically correct it’s behaviorally correct” LOVED IT!! ❤

[@paulerdosdaughter]

Meaning you have no self control, 😂😂.

[@CaToRi-]

The same reason why communism doesn’t work, because it’s not behaviorally correct.

[@annahopp]

Getting Dave Ramsey in your chair is a huge measure for your success.

[@anthonymbui7860]

Someone once said, "Your attitude determines your altitude." I couldn't agree more. It all starts with a strong belief that you can do it, making a plan and taking ACTION. What a great & Informative conversation! Thanks Erika for having Dave on! He's truly the undisputed King of personal finance!

[@Freshprankstv1]

That was zig ziglar

[@Sim1Designs]

I made a YT playlist of people doing the debt free screams and it definitely motivated me to keep going. I’m so happy to say today I am debt free because of the baby steps. Thanks for this interview!

[@Wiseamphibian87]

Congratulations 🍾🎊🎈🎉 on bringing Debt FREE .

[@BlackJackVendetta]

I’ve watched so many Dave Ramsey videos and I think this is the most in-depth, nuanced, and least sensational talk I’ve heard. Thank you!

[@gracecase998]

Totally agree. Loved this interview/talk

[@PowerfulMoneyHabits]

I love Dave. I’m a dentist and make good money. By using the baby steps during 2020, I did a budget for the first time and paid off debt ( biz and personal including my house) in 18 months! Now I continue with the budget and am on track to FI in 6 years by saving over 50% of my income without stressing about it. It works!

[@ira_herself997]

“You don’t look like a victim to the toxic boss”. 😂 Loved it, so true.

[@Wee_Catalyst]

Too bad he didn’t realize he’s the toxic boss

[@blind_bratface]

there is a way that I have dismissed Dave Ramsey. I was a know it all and somebody who doesn’t honor peoples choices. I just realize that through the soundbites of his show you don’t get to see the nuance of who he is and I love that he respects your process and autonomy of folks. Your interview made me like him and appreciate him much more! Great job.

[@madisontran3020]

Agreed. I respect him and his belief more now bc of this interview

[@gigiruiz3786]

Awww papa Dave! I loved that he said you need to be you! You are already so successful and there is room in the sandbox for everyone 🥰 so sweet!

[@adelaaguilar603]

Since I started following his steps is when I started seeing savings in my account. It is about discipline and following through.

[@cutenobi]

Congratulations for learning those tried and true tactics of discipline and consistency. Those tactics work with everything: healthy eating habits, exercising, etc.

[@Originaltuber]

Same. But now I’m a radical saver and need to learn to spend every now and then.

[@teenaskipper2782]

I love Dave Ramsey. He helped me get out of debt and I will be forever grateful. Good choice of guest. You are awsome as well Erika I enjoy you guest so much. It is a pleasure to listen to you.

[@yothiga]

I really like Ramsey’s advice. I stopped consuming his content for a while but this is a great platform for him to say something new.

[@joseCalderon1976]

After listening to all the good financial advise from people like Dave, the money guy, your channel etc, I've become more and more minimalist. Good for me, my finances, I spend less, and even good for the environment. Once I retire, I'll cut my expenses even more, so that I can enjoy more the things in life that have no price. Subscribed 👍

[@elchapojr6219]

Dave Ramsey is the Goat seriously you get these guys like Grant Cardone that’s like unrealistic vs a guy that can teach the general public good personal finance

[@Wiseamphibian87]

He’s teaching basic Finance; that really ought to taught in High schools & also in our homes . If we get Away from the materialistic mentality; then majority of Americans wouldn’t be so broke 🤷🏼‍♂️🤷🏼‍♂️. It’s okay to live in A 1200 Sq ft home & drive A used vehicle; but often people live well above their means ; & that’s why we have Money problems.

[@trustinjesus24-7]

Great interview Erika! I've been following Dave for so many years - and it was his videos and teachings that helped me get out of CC debt. So many people argue against Dave Ramsey's teachings and the math and it not being the "only way", but I think this interview helps reconcile a lot of the nuances. I like how he said his plan is not for everyone and he's just trying to help as many people as he can, and applauds others like Erika in helping those who may need a different approach. At the end of the day, it's about results.

[@mariaacido6837]

Love this podcast. Please do more of this subject in your channel. Very inspiring.

[@pepperjonesugoChristian]

An excellent show. You always introduce me to uncharted territory. Your guest, Dave Ramsey, is a great cheerleader. I’m already charting my progress. He spoke to where I am right now. Thank you both.

[@ChristaAwesome]

My husband and I have a joint account for everything (and we also own a business together), but we give ourselves a small monthly allowance towards our individual accounts to spend on whatever. It gives us the balance of both being active in our finances, but still some sense of individuality.

[@annahopp]

My seven day delayed gratification works quite simply: I can put anything I want in my shopping cart, but I only check out on payday. Usually I throw at least half of it back out or replace it with something less expensive.

[@happpymesss]

Started my finance journey by following Dave. $54k paid of high interest debt, $10k emergency fund and $32k in investments only 3 years later 🎉

[@alexpietsch7997]

I love Dave on all the newer financial channels. It's like sitting down with Grandpa and contrasting the best theories of your peers with what actually worked among his friends.

[@llr1961]

A former co-worker took that a step further. Since she was paid biweekly, she had her kids wait 2 weeks before buying them something they asked for. That way, she could actually budget the purchase. A lot of times, they didn’t even want that thing anymore and were on to something else.

[@eileenk4604]

Love this! I've been a Dave fan for more than 15 years! Thank you for introducing Dave to people who need to hear his common sense wisdom!

[@Decarneasada]

Your podcast brings so much value to the world, thank you Erika!

[@agnieszkakarasiewicz1106]

Thank you Erika, so many valuable points from Dave and it was important to hear your opposing views on separate accounts. It's also a joy to see two successful people encouraging each other with sincerity.

[@teacherbrad9534]

Great interview Erika. Love the questions you asked Dave and how you just let him talk freely.

[@firststar2]

Omg the part about not putting up with toxic work environments because you don't have a mortgage to pay hit hard. When I started applying his principles years ago and stayed out of debt and had an emergency fund and live within my means, I was selective about employment choices. The stress relief. Also I could work.or not work

[@mjlafalaise]

I’ve listened to so many Dave Ramsey pods and have watched so many Dave Ramsey videos, but on this platform this has been the most insightful video from him… Thank you so much for having him on! You’re doing incredible work 🎉

[@thomaschew2191]

Having a plan and working the plan. Attitude, commitment and discipline. It's just that simple.

[@LG-zy9dp]

I get the impression that when this fabulous man speaks no one listens He is not saying the avalanche doesn’t work Vs snowball method It’s about small WINS It actually feels good getting rid of debt If this is what it takes for people to get out of debt then great 👍🏽 go for it

[@sabinaflapperina1300]

You're both so insightful and have a very clear way of explaining how behaviour is key to personal financial goals.

[@aliciaz4682]

1:06 Dave’s answer to having power, safety, and an equal vote on joint accounts. That’s phenomenal. Marriage goals

[@tkelly830]

Great episode. Dave and his team are amazing. Have been following his principles and its truly changing my wife and I's life.

[@brendamclean8447]

This podcast was incredible! Dave is something else, truly a gift! Just an amazing and uplifting interview❤

[@alexandracristinnn]

You are KILLING it with ease interviews! Go girl- Can't wait to join the challenge.

[@pepe_nasdaq_scalper]

Dave is the best. I found him early this year. I wished I have found him in my twenties. I'm in my fourties with no debt but the house. So I'm closer to make it to baby step 7! 🙃🙏🇺🇸 🇵🇷

[@jessimoves]

This is so valuable, I have been listening to Dave Ramsey for years and can finally live without depending on my income. Compound interest rate and small savings every months can make a world of a difference on the long run!

[@carolannstevens5814]

This was the BEST!!! Thank you Dave & Erika!! I am now “subscribed” to you as well Erika! 😁

[@Bagley2014]

So glad I discovered Erika has a podcast! The episodes I've listened to so far have been great!

[@christianemichelberger8245]

Such a wonderful interview, thank you so much, Erika! ❤

[@travis7974]

This is the first Dave Ramsey interview that I felt had some intelligent push back on the principles of the 7 baby steps. This allowed acknowledgement that if a person really understands and includes risk in their calculations there can be some deviation. Although, through the prism of behavioral finance.

[@monique7211]

Yes! I also really enjoyed their discussion on separate bank accounts. I think Dave's faith is getting in the way of thinking logically about this.

[@candecarro]

The outline of The Baby Steps is amazing. Finally an in-depth discussion.

[@alivealex9914]

I rarely comment on anything…. But I’m a longtime Dave fan AND an Erika fan & this was a great interview. I’ve never seen Dave like this before. It was so refreshing to see a different side to him. I attribute it to him being out of his element and being on another person’s show. He really opened up and showed us a new side of him. I remember years ago Dave started to grouchy 😂 and then they started with the personalities and Rachel came on the show not long after. I think Dave has burnt out a little bit saying the same things over & over (I can totally understand how that would happen), but I really hope Dave does more interviews like this because it was clear he enjoyed the experience and we really got to see a more vulnerable, softer side to him. He also shows no flexibility in his system and it was nice to see him relax a bit and open the door to saying there are other systems that work, but they’re not the DR system. Dave, I hope someone from your team reads this and tells you thanks for all your great advice over the years and please consider doing more shows with other financial folks cause it was really refreshing to see this side of you. Erika, great work on booking another great interview. Bravo 👏🏻

[@USMCsgt75]

Strategic thought, followed by tactical application...that's gold!

[@johnnyb1329]

Thank you Erika for sharing with Dave Ramsey. I am now subscribed to your channel and I bought Dave’s book The Total Money Makeover “ 👍

[@lisajane4330]

Great discussion, I've only recently discovered Dave a couple of weeks ago & now this channel. So much to learn & to put in practice but gives me some hope financially 🙏 .

[@Jacqui.Gonzalez]

This was the first time i see a podcast and I am beyond words!!!

[@randddj]

Dave arrived and the flow of conversation was def informative! Thanks Erika 🙏🏼

[@tayco8]

What a wonderful interview! I got into personal finance because of Erika exactly a year ago, and have avoided Dave because of some things I've heard through the grapevine. I'm SO glad he was a guest on Erika Taught Me; it was eyeopening to see someone's philosophies who differ than mine, but I can see aren't wrong, they're just different. It seems he has very little ego around what he solidly believes in. Great episode!

[@user-bg9em7ch6k]

Outstanding interview, and hard to argue with the steps. Appreciate all that you do!

[@Agape360Ministries]

This was such a great interview. I’m a Ramsey fan and I thought there’d be friction between the two different approaches to finance, instead it was a very good discussion that explored the nuance between the different approaches.

[@JenniferAllan-v1x]

This was a great interview! I loved it. I learned it isn’t a math problem. It is a behavior problem and that I can become a millionaire!😊

[@dagmara.p23]

Great interview! I've learned so much! I try to be better with my money and I feel like this episode really opened my eyes on how to make important financial decisions. Thank you!

[@splendidsnapshot9915]

Dave has been consistent in the past 30 plus years.

[@mandysimmons2769]

I have a tip for not spending. I like looking at Catalogues and I can mostly look and dream and sigh ( enjoying my paid off 14 years early house ) but the other day I saw two sets of jewelry that I wanted. It was going to be $240. So I filled out the order form then set it aside. In a week or two I will find it and tear it up gasping at how silly it is. Works for me. I've been off credit cards 9 going on ten soon! Yay.

[@suongho6585]

i love this conversation! 2 of my favorite people in the same room :)

[@FinanceWithChi]

Best finance podcast out there! Keep it up Erika! You’re my inspiration ❤.

[@NatashaRaisorGlam]

Well done interview. Dave Ramsey’s advice is what everyone should have gotten from the grandparents. I read his books in my 20’s. Now I’m my 50’s with a good retirement and property. I do think he needs to update some of his advice for inflation and credit.

[@22bouha]

Dave Ramsey led me to you, Erika! I like Ramsey’s teachings a lot.

[@stephaniarredondo3079]

My absolute favorite podcast episode ❤

[@munyeekah]

Same this is my most favorite Erika Taught Me episode

[@mr.hotdogseniorrescue6823]

I have followed Dave Ramsey & my dad’s example. So grateful because l have paid off my home, car…etc. Debt free life is so freeing! Thanks dad in heaven & Dave! 🥹🙏🏽❤️💓💕

[@ethangamer3173]

Omg Erica!!! Girl your channel has skyrocketed!!

[@georgemarsilio5122]

this is so valuable because when your whole world falls apart and there is no one to turn to , MONEY IS THE ONLY THING THATS GONNA SAVE YOUR ASS!!!!! so get serious remember yu don't need to buy shit you don't absolutely need!!!

[@amireallythatgrumpy6508]

If the whole world falls apart, money will cease to exist.

[@Davefitz04]

The fact that you got Dave Ramsey on is amazing.

[@felipeoliveira2219]

I feel like most people would rather have $1 million dollars worth of experiences by age 65 than $1 million dollars in the bank by 65 when you have 90% less energy, you're restricted at doing certain things or doing the way you would if u were 25... not counting the time has passed and you cant go back.... hey....at the end of the day. You gotta live your life and save too....BALANCE

[@natalyaa4928]

I love how Dave uses human psychology with finances!!!

[@savanah1407]

Love his podcast and YT videos

[@Wee_Catalyst]

Then maybe you’ll love the 2 sex-based discrimination lawsuits filed against him and his company-do your research

[@csizzle24377]

My favorite episode to date

[@Wee_Catalyst]

Gross, go educate yourself on the multiple sex-based discrimination lawsuits filed against Ramsey and his company

[@ayanda493]

"Personal finance is 80% behaviour and 20% knowledge"

[@JulioAwesome]

Wow!!! Great to see where you are now from when I first saw your first TikTok, now I don’t have TikTok and glad to see your success

[@MartinNeduEgwuagu]

My wife and I paid off $150k+ in less than 5yrs going through the baby steps! The plan works if you work the plan.

[@luisserrano863]

It was great to hear Dave’s backstory and it’s also great to see both perspectives together. I agree with you on the separate bank account thing, its risk mitigation 😊

[@1luv78]

I loved all of this. It is so inspiring. Thank you for doing what you do! 🙏🏽

[@annahopp]

I listened to Dave Ramsey for over a decade and we are on baby step seven. Today I finally replaced my credit card with an "F... NO!" card in my wallet. I cut it out of an Azorean vacation brochure and by pure coincidence it says "RESPONSIBL" on the back.

[@marksweet4077]

I didn’t realize how much I had done right simply by following my own common sense. I’m out of debt, living solely on Social Security now and saving nearly $500 a month… go figure…

[@alexpietsch7997]

Out of curiosity, $500 for what? When I'm at social security age that's when I'm spending what I've saved.

[@marksweet4077]

@@alexpietsch7997 I meant that I don’t need my full social security check to pay my expenses each month and what I don’t spend is savings.

[@captur69]

'' Beans and rice '' rice and beans'' the only restaurant you're going to be in is the one you're working in...I love it ...pain then gain...fantastic episode ❤ from eire..

[@cutenobi]

Love how Ericka was like Dave’s daughter, where she was able to ask questions to test his theory.

[@phoenixnmhesq]

This was really good. I like the personal aspects that were talked about that were outside of just money.

[@mosesbrooks8539]

Thank you Erika for having Dave and for always doing outstanding job by allowing your guests to give us nuggets.

[@jdecastro86]

I learned a lot today. Hearing both of your approaches was a treat.

[@TR-vh1fi]

No sugarcoat with Dave 😂I love this man

[@marilyncobb4469]

Great podcast. Dave taught me i can do it! I like that. If you believe you can or cant...your right! Ill remember these. Thanks!

[@umgazel4785]

I love, love, love Dave Ramsey! What a down-to-earth gem of a human. God bless him and his wonderful wife, who is the crown upon her husband’s head

[@SuperBetty00]

This was amazing podcast. Dave Ramsey you’re an amazing individual. Thanks for all the teaching you do love it ❤

[@Julie-jh3lm]

Love this.

[@saudbattoyor6518]

You are great and you have brought the best people to interviewed. Keep going I can't wait for next episode!!

[@marsbar5366]

Well done!! I love your interviews!!

[@InOrlando]

Risk is very very real. Some people, I was one of those, add risk on top of risk not understanding, and get their ass handed to them. With that said, one has to learn to manage risk because no risk no reward. I have friends who move like Dave, but they earn three times what I earn, and their burn rate, spending, is much lower than mine. I used leverage to buy rental real estate, but I put 20% down, and did the NOI calculations. Borrowing with $0 down is risk on top of risk.

[@josephjaylo1214]

Humility

[@andiclemenza6476]

Thanks to Dave’s plan I was able to change my view, behavior and able to get out of debt, and invest

[@BuiltonGODSrock]

Daves the 🐐

[@josephinelb5735]

I don't care who you are whether your Democratic Republic and whatever group you come from these principles are absolutely geared for everyone no matter what your income level is

[@gracecase998]

Love you two together!!! Great video!

[@TheUltimateMarioFan]

Rest in peace to the dude who puts a ring on Erika, especially given her thoughts on divorce.

[@emenshov]

Dave Ramsey! Such a great guest)

[@BigCed]

Dave is the best

[@bobbyboricua21]

Great interview, thanks Erika!

[@annettehurd9391]

Where is the best place to open a Roth IRA? Navy Federal or a Fidelity type account? I am 58 and no retirement.

[@vmarie.94]

I needed this reminder, I’ve been on the road to pay off some CC debt and I can’t wait to get it accomplished. Financial freedom starts with the mind my goal is to paid off before 2025!! With God anything is possible I believe I speak it and I do it🙌🏼🙌🏼🙌🏼

[@marietaylor5174]

I'm pulling for you Marie!!!