Having a Hard Time Getting Started On The Dave Ramsey Plan

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[@yayyareaa2997]

“Sell so much stuff the kids think they’re next” 😂😂

[@Vicky-by2hq]

Yayy Areaa I laughed so hard🤣

[@sharonwagner136]

That's hilarious!

[@lovebug1180]

Right?! I was like, wait what?? Lol 😂😂

[@lionessnala2000]

I cant stop laughing 😂😂😂

[@joeplem5329]

Sounds like he isn't sick and tired of being sick and tired yet...

[@ralves]

More than a money coach, this guy is a motivation coach. 👏🏽👏🏽👏🏽👏🏽

[@ByMiggz]

Hilarious 😂... "It ain't gonna get smaller with you just standing there looking at it" I love this guy

[@812media9]

Am I the only one shocked that Dave doesn’t question why there’s a 50k student loan and the wife only makes 19k a year?

[@Mike1-]

Yea I think he saw bigger problems than that but I’m also shocked he didn’t tell them to get a bigger shovel but remember this is live he could have forgotten .

[@laz7354]

​@@Mike1-plus...he did not have his brutal honesty blue shirt on. 👕

[@laz7354]

​@@Mike1-She fell in a ditch ... was mowing barefoot ...the question was answering itself ...

[@coastallivingmississippi188]

Degree in lesbian dance 😂😂

[@Jetblastjoe]

$1900 lawn mower. he better be mowing other peoples bowling greens on the weekend. i make 3x what he does and i thought $600 was high for a mower.

[@singingallalone]

No shoes while mowing the lawn? That’s stupid tax.

[@stephaniemiddleton3740]

And the woman has a bachelors degree?!

[@justinbowman2126]

Stephanie Middleton a college degree doesn’t give you common sense

[@katweaver3275]

a masters degree with $55k owing on it and earning $19k a year...

[@HereIsWisdom1318]

The snowball works. I just updated my spread sheet, and found we paid $8,000 down in 4 months.

[@outdoorsnevada4138]

Well done

[@arleneaugustahair8393]

💃🏾💃🏾💃🏾💃🏾💃🏾

[@cadavison]

Hey me too!

[@becca0984]

Go you!! Great job

[@hollyb6885]

HereIsWisdom 1318 GREAT!!!!

[@thirtyish661]

I hope Dave Ramsey prays for patience every night because he needs it. He already has much more than I do but I can only imagine that people repeating the same old song & dance must get old after awhile. Dave has helped so many people..... I absolutely applaud your patience & ability to continue helping people Mr.Ramsey👏🏻

[@jonihaworth7623]

Omg yes, seriously

[@julied915]

U can buy a lawnmower for $180 at Walmart. They spent money they dont have. Crazy

[@2forrty]

I can make 100k a year and still trip out over a $1700 mower

[@scottcarlon6318]

jules DUH,....

[@MattApple_]

$1700 is more than I paid for my first car

[@RicasHomeySpace]

This hits home for me. I'm not from the US but I live here in a 3rd world country and living a standard of "ok" life is challenging. I've been binge watching Dave's vids for weeks now and has cemented my mindset to keep my humble finances in check. I'm a single mom of 2 kids with zero child support. I've lived quite an uncomfortable and painful life to the extent that I'm scratching my head where to get $2 to buy fish and a kilo of rice for tomorrow's breakfast. I wanted to buy Dave's book to get started but can't afford it yet as shipping it in my country would be a 2 weeks worth of grocery. 😜😀 So last weekend, I watched one of his Financial Peace University videos, took out my pen and notebook....wrote the steps, added my humble numbers while putting on my age for each milestone. It was an eye opener for me! It gave me my financial path. I think I got the basics right, but I'm still saving up for Dave's book and hopefully I can finally purchase it in the next 2 months. Wish me luck folks!

[@sunsets6075]

Listen to it free on youtube, someone taped an audio of it. In the future you can buy a hard copy.

[@chanceussery4090]

Good luck and God Bless!

[@excelrange4246]

Good Luck!!!💫✨💫

[@KnockoutInvesting]

If you have the internet every knowledge is free. Just listen and learn

[@emailme6785]

Lydia Meldrum - I listen to Dave Ramsey on KZbin but u still need to pay for the data to stream it.

[@greymort8783]

Snowball works. I did it and killed 30k in debt in a year. I did work alot of OT but its worth it. Shoot i don't even have a college degree and I make 80k a year.

[@rrrrrfffff]

You make $80k?! What do you do for a living? Or is that main + side hustles? Asking for a friend 👀

[@minabobina420]

🙋 I'm the friend ⤴️ 🤣🤣 But foreal though, also curious what job pays 80k w/no degree. I too have no degree and get about 50k.

[@greymort8783]

I’m a mechanic that works on flight control for airplanes. I work 60 hr a week. No degree and no student loans. I make more than most collage graduates 🤷‍♂️

[@blueshirttail]

“He who has a why can bear almost any how.” - Nietzsche

[@julietfung98]

I felt I was in the same boat as this guy 4 months ago. But I started a second job and my hubby takes on any side hustle jobs. Don't get me wrong it sucks but seeing us pay $9000 of our debt down in 4 months really helped.

[@carojames6776]

You must BELIEVE in the light at the end of the tunnel and you WILL get there!!

[@monicadhenderson8670]

Great job paying off your 9000! That is what’s up! So far I’ve paid off 2000 in debt and I am about to pay off my IRS debt which is 2000 so excited!

[@juliemortenson428]

Or at least start mowing lawns as another source of income with that rider.

[@JamConcerned]

There ya go!

[@changelingchild4299]

Could not believe that a lawn mower is part of his debt. Get a cheaper one or let the grass grow!

[@outdoorsnevada4138]

I made pretty good $ mowing lawns. Not a bad suggestion at all.

[@MsTuliplady]

Thumbs up. Here is another example. Couple months ago I bought a $100 scanner to scan old pictures my mom asked to scan. Didnt want to pay a service, so I just bought the scanner. Instead of returning the scanner or selling it used, I put up my services online. Old photo scanning at a reasonable price. You really only need time and patience to scan a couple hundred photos. Got paid the cost of the scanner with just one client. Think, people!

[@lewdogrlew860]

I'm a year late but that's the comment of the year. It's been extended through December 2019!

[@crepps]

Why would anyone cut grass with no shoes on!?!?

[@percyastronautstatus.8780]

Women...

[@MarksTournaments]

Runleft131 I do it in flip flops all the time, not dead

[@johnnymichael1804]

@@percyastronautstatus.8780 Kentucky.......

[@nataliyak9555]

Runleft131 dumb people lol

[@insideoutsideupsidedown2218]

Hillbilly deluxe....

[@clintonagnew4178]

It is called the Compelling Reason to Act ... CRA. It is the why that gets you to do something. Thus, coupled to desire will propel you to get things done.

[@kzamora2548]

A lot of people are just living life and don't have a big enough why.

[@B13-l5s]

When callers say “better than I deserve” I’m sitting here cringing! lol

[@billkindig137]

Mr. Ramsey, you are one of a kind

[@Ant0417]

The man financed a $1700 lawn mower...🤔

[@bigpicturethinking5620]

That’s just sad. Incredibly sad.

[@Tr1Hard777]

The sad thing that i see all the time is people getting a job paying 20k a year and settling for that. You people do know you can look for higher paying jobs while you have a job right?

[@scoobydoo7346]

I would cut the grass with scissors if it helped me get out of debt.

[@JamConcerned]

He could have gotten a 2nd hand push lawn mover sounds like they got a house too.

[@scoobydoo7346]

+Brian Waller even better. install synthetic grass.

[@janethockey9070]

Chiara Petrachi Mowing lawns then write off the business expenses

[@roxannegordon6162]

Janet you are right. Those scissors can add up after getting dull from all that grass. I'd bounce that cost against rent goats. They eat right down to the dirt, so would save money.

[@daisyhenriettae]

Chiara Petrachi My mom actually did that and surprisingly it turned out great.

[@mammothorbust]

Mowing the lawn barefoot... Is that a Kentucky thing?

[@billgateskilledmyuncle23]

I've done it, but my feet stayed brown for days. Better off with retired tennis shoes.

[@tmusa2002]

That guy out running would have been absolutely crazy in my small town in Iowa in the 70s and 80s too!! Great story!

[@garyodriscoll7988]

Imagine make 19 k a year after 4 years of college? What a complete waste! What on earth did you major in??????????

[@kinocodner4307]

To be fair she probably didn't finish.

[@flawlessbutdysfunctional7787]

I made 6,000 more my first job out of high school but I still want to go to school but not if I’m wasting time

[@startingtech3900]

I make 40k no degree

[@startingtech3900]

That’s during pandemic I went back to work instead of mooching

[@deflaytedwayz1]

just looked at Craigslist in Bowling Green. She could go work at the Dollar General warehouse starting at $13.05 with full health insurance, PTO and 401k making $8,000 more!

[@rooclicknet8666]

I got 250K in debt! Student loans, credit cards, auto loan, personal loans and tax liens. I am going to get out of debt! This caller is not ready!

[@liveyourbestlife143]

How are you doing on your journey?

[@heididiego3719]

Please give me the strategy you used to pay off all this money. I just owe $21,000 on my car loan and I'm tired of been tired on paying this debt. Any suggestions ? Thanks

[@SmoothJK]

@@heididiego3719 cut out everything you can (subscriptions/cable, eating out, etc.) and attack the debt with a singular focus. Just by not eating/ordering out all the time, my family had reduced our monthly food bill by $500. I am ashamed and amazed at the same time at how much money we were wasting on food--and it's not like we even went out to expensive places.

[@lionheart93]

Koko Puffs sell it? Buy a 4K car in cash

[@heididiego3719]

@@lionheart93 sorry for my ignorance but my car is just worth $12k if I owe $20k I'm $8k in the hole where do I get $8k to pay the difference

[@ImprovementisGrowth]

You have to make more money. It's heartbreaking that together they make less than $50,000.

[@beemo9]

That income can be enough for some people, but not when combined with that debt.

[@kaitlyng.473]

I also live in Kentucky, that’s actually not terrible for a lot of people. Most people are not even that lucky unfortunately.

[@kaitlyng.473]

Conservative Prosecutor Safe to say, you should re-evaluate your life choices and morals. You sound like a GREAT person, I’m sure you’re family is proud.

[@7resist7tyranny7]

Not so nice when you're living in California making a combined income of 35000. I'm not trying to whine about it, but it's hard to stay motivated when you have 20,000 in debt on top of that.

[@outdoorsnevada4138]

Indeed, a lot depends on location as well. 50k a year in some cities or states won't get you anywhere. Other places that can offer a decent living. So just depends.

[@dalenetstephanus9871]

I am about to get on this journey. I am so excited

[@colin1818]

Who mows their lawn without shoes on? That just feels like you're tempting Murphy.

[@dannydinosaur73]

It's so hilarious when people call up and say they're doing the Dave Ramsey plan and then they start talking and they haven't done a thing. 🤣🤣

[@trippydalejr]

The running man story was great defiantly a great metaphor

[@MrCrazywowguy]

As someone who mows are grass every fortnight ish, ive been using a push mower that the handle gets looser and looser with the vibrations of the mower so bad that you have to tighten it maybe 4 times inbetween mowing. $1700 dollar ride on mowers are overrated.

[@susansauls8902]

Haha & he said that expensive mower was only a PUSH mower! 😂

[@MichaelJayValueInvesting]

Die in 14 months if you don't pay off your debt? You better bet he'll be debt free in a year! An extreme example for sure, but sometimes it takes a big live event or serious conversation for people to start taking action.

[@hawihawi9260]

What helps me is think abt the best part of paying off debt and saving! Keep listing it and telling urself that until tht feeling of frustration goes away

[@GeometricMason]

$55k in student loans but her income is $20k Some school robbed her blind.

[@seuny]

Why people keep admitting they have gone to FPU when they clearly didnt listen 🤦🏾‍♀️

[@MsTuliplady]

Common sense has a monetary value that people simply dont respect anymore. That is why these folks are in trouble. No shoes mowing? Could they have gone to urgent care instead of ER? If they are not using common sense on the little stuff, imagine the big stuff!

[@minabobina420]

OMG, he literally told the story of the day JOGGING WAS INVENTED!!!! 🤣🤣🤣🤣 LOVE IT!!!

[@monicadhenderson8670]

😂🤣😂 Grown man 👨 Running 🏃🏾‍♂️ 🏃🏽‍♀️ 🏃 too funny 😂

[@scholzdigital]

Really good motivational speech for somebody who doesn't see the end of the tunnel.

[@InvestingHustler]

19k a year salary . School debt 50k 🤔 something doesn’t add up

[@SuckerPunch92]

INVESTING HUSTLER - Stocks Money Entertainment maybe he didn’t finish

[@brandonfarley5297]

Ots called college. Its a loosing game!

[@MsJanna422]

Could work for a nonprofit perhaps?

[@kyleelam7829]

It's called a college bubble

[@scottcarlon6318]

Investing Hustler Turkey psychology is not a financial choice for a college major. Students need to research the job market before deciding on a field of study and demand for this carer choice.

[@victorvodka]

i love the story about the guy who decided to run because he wanted to live! that is so much of everything in a nutshell!

[@percyastronautstatus.8780]

Dave" my logic on what" ?? I llove daves facial expressions lol

[@Jbb7272]

I think the best start is just get a second part time job

[@raveybaby7492]

I checked out at "mowing the lawn without shoes on" with a $1700 lawn mower... Like, why is that a thing? 😐

[@WCGwkf]

Dude who gets a bachelor's degree and makes that small of an income? I don't have a degree and I make almost 60k working 50 hours a week

[@JamesnNoell]

The shame in his voice gets me. I’m where he’s at, I grew up poor and make more than my mother ever did, but had no education on the right way to do things. Now I’m trying to figure it out but starting is daunting.

[@roxybrowning7558]

Mr Ramsey you are the best with your stories.

[@mikeshaw4610]

Absolutely agree, only the push mower is needed.

[@a__random__person]

Haha the running guy is a great story

[@roldanrosario243]

He might be focusing on to much at once. One thing at a time works. It could be paying one card. Or concentrating on making more money. And go hard like Dave said.

[@breeangelo478]

Christmas is going to be a craft! I love it!

[@uah9]

First person I've heard respond to Dave with better than I deserve

[@jutde]

I just imagine everyone sitting on their front porches watching down the street for whatever was chasing that man.

[@family-peace-love]

We've started eating frugal foods like 1940s style basic food to try to get out of debt which is less than £10,000 but since we have a small income then it's alot to pay off for us but you HAVE to make cut backs to start and with us it was good our only thing that we could reduce the bill on

[@businessmanager4746]

I agree I’m better than I deserve be blessed you will be ok ✅ keep trying love

[@derrikbarnett9803]

The issue here is having a bachelor's degree and only making 19k a year.

[@donnahampton3632]

Love the running man story! Great example!

[@yayyareaa2997]

Lucky they ain’t in California with that mess. They’d be on the street by now

[@thisuniquechica]

If they magically happened to make less than $50k combined income in California, they wouldn't have the $6,000 medical bill. It would be mostly covered by the state. Also, in California, you don't need a $1,700 mower because the drought would make you do a desert landscape on your yard LOL

[@meli1368]

Great call Dave

[@joanjohnson9438]

Hello Mr Ramsey, This is the first day listening to you & I am very interested on this topic called MONEY! I. Am a widow now for 4 years & very lucky that my late husband & I figured out early about this thing called money. Married for 56 years & now I just turned 83 years young & have collected MONEY & don’t owe one penny. Have many credit cards, only use a few and after purchases always pay the charge before the bill even comes. I have always been very frugal as was my husband. Now I find that the years are going so fast & I want to make sure that my 3 sons have the remainder I leave to them. I have some money in a credit union, bank, an annuity. My home is paid for, my car is paid for, have cash & some silver. Have a living will and none of my boys want to be Responsible for the job of dealing with the after math when I pass. Should I have my bank or lawyer. Take on this Job? I also have property, one small house on a lot with a well, electric and gas, that my one son lives in, no rent. Any ideas would really be helpful. Enjoyed your show, Regards, Joan Johnson in Prescott, Az.

[@tl7622]

Sounds like it's an income problem. Wife has 4 years degree worth 55k. She needs better job and he needs to grab 2nd job

[@susansauls8902]

This man's wife would have not been mowing the lawn if this man would have taken care of it himself, so no emergency room runs and therefore, no medical bills ... yet he's complaining about something that she 'caused to happen' because he didn't take care of his responsibility that he should have done in the first place.

[@LakeLeePrism]

Dave is at a point where hearing the same mistakes over and over again is getting old. He opens this call like "How are you" in a somber way, knowing it's going to be the same old BS he's heard time and again! Math is simple - emotions are not. You cannot quantify something inherently irrational nor can you trust your "intuition". You can, however, follow Math! Try it and see where it leads! I bet it leads to more $$$$$$

[@LearnMakeItUseIt]

I'm a multi-millionaire but I love watching dave!

[@TheKinggmeleo]

“THATS BECAUSE YOU AINT CLIMBING” 😭😭😭

[@SomeGuy-sy5sj]

If somebody would let me shower daily in their home; I would throw a tent up, with my family, in the woods behind their house... until we are debt free. I just tripled my income; 2020 could be the first year in my life I make 6 figures or very close to it. Scared to death of my student loans.

[@vildachaya6462]

That’s the worse with the student loans with a minimum wage salary

[@karenboots9077]

It may be more motivating to look at 1 part of the mountain climb, then the next part,etc. , rather than the whole mountain(this can be overwhelming)!

[@Shulerbat]

He sounds like an airplane captain. Love it!

[@carlosestrella3787]

The caller's situation doesn't sound better than he deserves

[@kawaiistarfish1115]

I wanna move to Florida soooo bad... but I gotta get outta the debt I’m swimming in before I can move. After a strict plan it’s going to take me 18 months to get rid of everything

[@BlackMenAreDope]

Loved the story about the running man and his big enough why.

[@karolgarley]

I'm Sorry... But how much was the lawn mower? 😯

[@wahinepaddler4]

Karol Garley $1700

[@karolgarley]

Leona Rodriguez I was being sarcastic. 😯😯😯

[@wahinepaddler4]

Karol Garley 😂😂 oops...sorry 😏

[@karolgarley]

Leona Rodriguez LOL... Not a problem. 😊 Have A Very Beautiful Day!!! ❤

[@cutting_for_christ672]

That’s cheap for a riding mower, my commercial mower is 8,000

[@MsJoyce31202]

You spent 1800 at once. I spent it over time. Each of us must start sometime with baby step 1.

[@jillstover8782]

Common sense where did it go?your funny👏

[@JeremyDok77]

Why would you sell the lawn mower? If you paid that much for a lawn mower then you should be using it as a tool to generate money. Period!

[@thisuniquechica]

Oh, there you go!! Hussle!

[@Mich2Paris7]

I love this!!!

[@NateshasAmbience]

I’m surprised debt collectors haven’t used that, “You are going to die in 14 months if you don’t pay” line.

[@shaythiele1320]

Dave really got on one on this one. He would make a great coach

[@lightningguy4897]

The guy that was running on your street was his name Tom Hanks?

[@SmoothJK]

No, his name was Forest something. Looked like a nice fella.

[@debbiemoniz268]

If I could like this a million times I would!!!! 💯

[@FunandBudget]

Hahaha...Love the Grown Man running story!

[@newtonraymond77]

I started following the baby steps before knowing about this man. Why after going through financial Peace are people still lacking understanding of the basics?

[@leitercia]

Great one!

[@TheBeardedSandman]

Actually a good life lesson for just about any goal. If you have a goal in mind but don't have a big enough WHY, how do you expect to accomplish it?

[@Hankandrex]

Uhg emergency medical bills worry me. $6k for stitches :(. My husband had to get stitches but thank god the bill wasn't quite that unmanageable.

[@ramonaearnest4709]

Common sense went out the window! If you watch Dave you know what to do....Just Do It!

[@bstrong4919]

They going to have to be frugal for a while

[@Tuya56]

With college degree, they should be making more. When you are making so little like them, it’s very hard to pay off debt. They have very little room in their budget to begin with

[@23tracy91]

$1700 mower? Time to turn that into an asset and start mowing other people's lawns

[@butterfliesarefree23]

and wear shoes!

[@andrewdiamond2697]

Some years I focus more on reducing household expenses (2020 is one of those years) including TV, Internet, utilities (adding insulation this winter), car insurance etc. Some years I focus on Increasing income (2021 will have that focus) Some years I focus more on investment performance (probably 2022 will be one of those years). Seems like this guy needs to have some increasing income focus. They need a better main jobs or some side hustles or both.

[@cutiemel91]

Christmas is going to be a craft 🤣. Lol if that’s what it takes....

[@SLangel18]

Since they don’t make a lot… they feel it’s never going to happen.

[@symlexbrn5396]

Lawn mower first on the list for sale

[@AIrn6087]

Wait, sooo He couldn’t mow the lawn because?

[@mnola4742]

I neeed to hear this

[@normabarros3124]

God bless you....I need extreme

[@kennethclark2425]

Dave is speaking of delayed gratification