“You got me excited” put a huge smile on my face! You got this bro!
@Sombra_Azul_2 жыл бұрын
Dave: "I'm very proud of you" Everybody Listen: Yeah so are we buddy. GREAT JOB!!
@clarifyingquestions2 жыл бұрын
100 percent.
@batirtzeurkiaga17162 жыл бұрын
👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽
@JAH-iu3yh10 күн бұрын
Papa Dave saying what needs to be said respectfully. “You need a sense of control to move into your new self, dontcha?” Man I needed that too. Used to be an alcoholic who would try most any drug offered to me. Now, I’m a mom & wife so excited about the baby steps I wrote them on post it notes for my desk & my husband’s work truck. Then in church I was like, 💡’wait am I being controlling? Because this is all in God’s hands, not mine.’ Such a freeing feeling. If this comment resonates with anyone else, keep listening to The Ramsey show. God bless you Dave.💙
@JustAName-it5qp2 жыл бұрын
Debt grows in interest more than savings.
@flch952 жыл бұрын
Sure you can pay off the debt a bit sooner but you also lose out on the future value of that money. Depends what your long term goals are anyway.
@ykciR2 жыл бұрын
@@flch95 what value of money? You lose value of money everyday due to inflation. $1000 a month ago doesnt buy the same things now.
@nyzflyyguy2 жыл бұрын
@@ykciR the value of money doesnt fall that quick … what you can buy a month ago for $1000 you can still buy today
@ykciR2 жыл бұрын
@@nyzflyyguy gas, groceries, diners, shipping cost more. I can go on lol
@reese852 жыл бұрын
@@ykciR thought I heard in the news that gas went down
@Delvy787 Жыл бұрын
I really appreciate the supportive and gentle approach the team took with this one
@wendylistings32342 жыл бұрын
Saving is not so easy especially when you always have needs for money, best to multiply your incomes via investments. I believe the need for creating multiple sources of incomes cannot be overstated
@Couchlnvestor2 жыл бұрын
Fact, even if you were so unlucky(and unskilled) to invest at the top of stock cycles, you would still be better off than someone who just held onto savings in the long run….
@henrymitchell97172 жыл бұрын
Hi Wendy. I’m a deadset beginner hoping to invest and believe me when I say I’ve tried time and times but trading stocks is just overwhelming, so what then do you call a working strategy or have you got pointers that could help in profitable investments?
@wendylistings32342 жыл бұрын
In a rather much complex sector as that of stocks, understanding sooner that absolutely nothing can be compared to experience and expertise the better
@wendylistings32342 жыл бұрын
I started investing in stocks and ETFs since November for trials before deciding to take it up a notch wasn’t profitable enough. This far I’m now able to 4x my capital in less than 9months, scaling from $150k - $600k+, and I did get a pro advisor for supervision and accountability as recommended by a financial KZbinr
@JoeCoIIar2 жыл бұрын
@@wendylistings3234 That’s a reasonable sum you’ve made! I’d also like to get on this, can you by chance name your IA? How do I reach him?
@jeannettecleveland52332 жыл бұрын
Lost my little brother to an OD and this call just put a huge smile on my face. Love hearing stories of people overcoming addictions and being open about it. That’s awesome! Doing this debt free journey will only bring even more freedom & peace to your life. Look forward to seeing the debt free scream!
@deborahblackvideoediting8697 Жыл бұрын
"I want you to get the high...oh, that's a bad choice of words." 😂 What a wonderful young man. One of my favourite callers. I truly hope he continues to do well.
@G_Money_2 жыл бұрын
So happy for him. Nothing feels better in life than beating a bad addiction.
@Vile07082 жыл бұрын
The baby steps to getting to the baby steps was a great approach here. I do think the emotional Triumph of paying off those couple of debts and realizing there was no negative to that will carry him forward.
@itsruinunes3 ай бұрын
I'm dealing with something similar with a family member, addicted to gambling... this it, this the way.
@bradwilliams49212 жыл бұрын
Congratulations on staying sober. Best wishes to the Chase.
@blakeharrison39722 жыл бұрын
Breaking one of the hardest addictions and working one of the toughest jobs, props to this guy!
@MovieJustin2 жыл бұрын
Good for him! We're all rooting for you!
@kopsie63792 жыл бұрын
This is only Dave Ramsey Show i've teared up on. So proud of this young man! 🙏
@muzerhythm22422 жыл бұрын
🎆Shout out to Chase🎆 kicking the addiction AND getting serious and creative in paying down his debts! 😁
@PublicNuisance2K243 ай бұрын
Dave was addicted too
@njabulombuyazi51324 ай бұрын
That war between logic and peace of mind! You know what you need to do but it’s not that easy
@tonia24832 жыл бұрын
I was terrified to use my savings for debt so I didn't. It took me longer but I'm out now and still have my savings.
@TheAlchemist10892 жыл бұрын
Congratulations
@JustINformU2 жыл бұрын
Good job tonya. Sometimes a piece of mind is better than logic and math
@mbyrd6713 Жыл бұрын
That’s my battle, I’d rather have something more in my savings account than to depend on $1,000.
@soonermagic24 Жыл бұрын
@@JustINformUdefine better?
@JustINformU Жыл бұрын
@@soonermagic24 meaning you still have cash to feed your kids and keep lights on despite having debt.
@Ruth-vy1qj2 жыл бұрын
I'm glad u broke the addiction not easy to beat it. I'm glad u change ur life around. I think he dealing with fear rightfully so we all face it rather we admit it or not. I'm glad he called Dave Ramsey show and they help him.
@impact71742 жыл бұрын
What a fantastic story, Chase! I am proud of you overcoming that addiction and now you called in to change your financial freedom!!
@Xavier-vo8xg2 жыл бұрын
“A bad choice of words” hahaha 🤣
@TioJan012 жыл бұрын
😂😂😂
@lucymckee75182 жыл бұрын
Love his empathy
@DCLover722 жыл бұрын
Best call ever! I hope we do hear his debt free scream and later his story of becoming a millionaire.
@random-nz7dy2 жыл бұрын
Congratulations chase. In getting clean you did something significantly more difficult than becoming debt free. Awesome story.
@adamseidel97802 жыл бұрын
See, here’s a call with an actually helpful outcome. The two small problems can be made to go away with only a fraction of his cash. The car can be reconfigured due to his circumstances to make things easier overall at a very low cash cost. Now he has good cash savings left and is left with just the student debt, which is a long term issue that deserves a long term plan, not a panic move,
@clarifyingquestions2 жыл бұрын
You are so smart. Why aren't you a DR.
@janewinfield18022 жыл бұрын
@@clarifyingquestions m no v y CEW r use saw wsss e see X gr cg cat guy b h by Dr. t Dr. Tf g h iin
@nachejay7522 жыл бұрын
Clearing That Debt Sets You Free!!!
@CroisMoi2 жыл бұрын
We are living in unusual times. What happens if his rent goes up a lot? Mine went up $300 a month. His income is not regular. This is not a steady income. He is afraid because he knows this. Dave did not take into account that this is not a salary income. Dave doesn’t feel it in his gut anymore. I’m self employed, and I would worry about this guy if he follows Dave’s advice. Emergency funds are very important now. Inflation is not going away soon.
@k.d.61142 жыл бұрын
I think even if the income isn't regular... having no debt is still an even better position if that income lowers later? Just my thoughts
@jayritchie27852 жыл бұрын
Wow - what a great guy. Would love to hear a follow up with him in a year - or for him to give advice to others.
@brookemckenzie18622 жыл бұрын
“You got me excited!” Love it❤️ what a feeling to have
@johnwafik2 жыл бұрын
this is the best one i have ever heard so far , the power of man being a man , and the smartest advice
@Primitive_Code2 жыл бұрын
He's never this nice to people from California, he must be in a good mood
@derrickhoward91562 жыл бұрын
This is a great call! So proud of Chase changing the man in the mirror
@cindy_lou_loves_to_stitch2 жыл бұрын
Good for you, Chase!! 😊 🙏 🤗 Great advice, Dave!
@martinrbookermb2 жыл бұрын
Congratulations on doing so well, it takes huge amounts of strength to do what he has done and is doing now. This guy is going to be a success story and will be able to help others in the future! He has kicked a habit that sadly not many people do. His fear and doubts will disappear when he pays off that first debt and will turn into determination and self empowerment and he will never look back! God bless this guy!
@amyx2312 жыл бұрын
Honestly, if having a larger cushion makes him feel safe, it’s not a bad use of savings. Same reason I have like a year’s supply of rice in my kitchen and garage and basement.
@Luffa1872 жыл бұрын
The safety is an illusion though when he got debts with interest on them. It's purely based on feelings. The extra rice you have is not an illusion. It's real safety.
@michaelb.89532 жыл бұрын
I would bet if you were losing at least 10% of that rice into thin air every year you would be thinking differently about that rice.
@amyx2312 жыл бұрын
@@michaelb.8953 say hello to the lettuce I never eat but always buy. Lol. Seriously though, the psychology there beats fiscal reality. A feeling of security is worth 10% a year to some.
@amyx2312 жыл бұрын
@@Luffa187 human beings are complicated. It is what it is.
@mercyfae172 жыл бұрын
Agreed.
@joeriveracomedy2 жыл бұрын
I have a financial famine mindset too. No vices though. I grew up poor and I'm never going back.
@myhappyspace4533 Жыл бұрын
I am thankful for him. But also congratulations on everyone who has never been addicted to anything and making good decisions on a daily basis
@joycehernandez91542 жыл бұрын
Pappa Dave, I love you, THANK YOU for your experience, integrity, and kindness‼🙌💜
@catherinewilke55834 ай бұрын
We are all rooting for Chase. Very likeable and he’s done something amazing already.
@ilkaperez91192 ай бұрын
God bless him. That’s awesome. He stopped addiction and he will get out of debt. Jesus name !
@queen4u2812 жыл бұрын
I used a settlement I received to pay off debts that I had. Best decision I ever made!
@rockymountainfacet59582 жыл бұрын
Proud of you BUDDY! NEVER LOOK BACK!
@pattyajones2 жыл бұрын
Chase, we too are struggling with the "terror of being broke". Although our tribulations are very different, you spoke for hubby and I with this call. WE DON'T WANT TO GO BACK TO BEING BROKE. Thank you so much for this call, and Bless you.
@lucymckee75182 жыл бұрын
Aw I love it when he said you got me excited. This man is changing his life!
@BlueDauntless7 ай бұрын
I like how Dave stuck with what his plan is, but also recognized this man’s real fears. And this guy’s gonna make it. He’s got the plan, he’s doing well! I hope he’s living debt free now.
@1croatoan2 ай бұрын
I know this is an old video but I am getting pumped just thinking about this dude getting on track again
@youngedwards32652 жыл бұрын
Amazing advice, Dave. Proud of the caller! 👍
@ritak17934 ай бұрын
Congrats to you Chase! Drugs are such a plaque on society. Such a waste of a life not to get sober
@johnulcer2 жыл бұрын
Anyone who doubts Dave's character should just listen to clips like this.
@southerncali882 жыл бұрын
Your sobriety is the most freedom you will ever experience. It is also the most difficult problem life will throw at you. If you can conquer your addictions and fight them off every day, getting out of debt will be a drop in the bucket. Take a deep breath, realize that God didn’t bring you through the brink of death in your addiction…. Just to lose you to debt. You got this!
@Tehui19749 ай бұрын
Another likable caller. Good luck to that man.
@smlbcity232 жыл бұрын
Making 90k yearly it should be easy puzzle to pay off his debt. His biggest enemy is the drugs and hopefully he stay clean and never look back.
@wordsrwind224 ай бұрын
I freaking love Dave. This was so wise and amazing.
@lifewitherica54855 ай бұрын
So happy for him for kicking his addiction...
@aida0872 жыл бұрын
I'm very proud of you for beating the odds Chase!! May God bless you always with strength, courage, even more resilience and a healthier, happier life and inner peace because YOU are WORTHY of this life!!🥰🙏🏼🙏🏼
@ayo_k322 жыл бұрын
I’d be more afraid of living in LA. He’s probably paying like $2k a month in rent.
@meancarleen2 жыл бұрын
Congrats Chase, you have no idea how many people you have inspired!
@Artbynbru5 ай бұрын
I feel like having an emergency savings as a single mother is important. I also have that fear to use that to pay debt.
@Michael-jo9jb5 ай бұрын
This is why i love Dave!!! Bet of luck mate
@sobeliever16382 жыл бұрын
Don't go less than 5-10k in your savings. Not during these times. Special needs families and anyone during recessions needs more than 1k.
@KateDerepas8 ай бұрын
I completely agree! We're keeping $5000 in our emergency fund at all times while we pay off our last debt which is 80k student loan. It's our only debt. We're going hard at it but keeping 5k in savings to be safe
@cheeseburger55552 жыл бұрын
Get Chase back on the home when he’s out of debt. What an inspiration!!!! ❤
@fsm1238510 ай бұрын
God Bless that man way to go !
@russ96572 жыл бұрын
Praying for you Chase🙏🏾You got this💪🏾
@dmdproduction13282 жыл бұрын
Genuinely happy for this guy
@maryannfeeney97632 жыл бұрын
good luck Chase!! you got this. Can't wait to see your debt scream!! What a story you will tell
@IsauraAbreu2 жыл бұрын
Yes it’s scary to use the savings to pay our debts but it’s because we are so use to having debts that now it’s our norm but that doesn’t have to be our forever reality. Las week I paid half of all my debts and my heart was happy and it felt free… following a budget and changing my mindset towards money and what’s really important has really change my mind! And of course listening to the show every morning 🙏🏽 don’t give up
@airplanegeek893 Жыл бұрын
Bien por tí… felicitaciones. Keep up the gpod work.
@deborahblackvideoediting8697 Жыл бұрын
Congratulations! What a great feeling!!
@michealadeleye74762 ай бұрын
5:14 I want you to get the high- no that's a bad use of words 😭😭💀
@sanjalisnjic7271 Жыл бұрын
This is such great advice! Dave Ramsey's philosophy is so inspirational and so true (because it has its basis in the Bible!!) I exactly feel so empowered by doing the baby steps!! 🎉🎉😊
@lisadaniels9502 жыл бұрын
Excellent!!! So proud of him. God bless him.
@julianjimenez9692 Жыл бұрын
“I want you to get the ‘high’…” *inserts foot in mouth* 🥴😅
@peterbodnarchuk12 жыл бұрын
God bless you Chase. I pray you stay on this path brother!
@Brooklyn_2 жыл бұрын
Way to go Chase! You've done so amazing already, keep going!
@Mark-ye9pi2 жыл бұрын
It puts more in my pocket to keep my student loan and put more money toward investments due to this interest freeze, the small size of the loan, my monthly budget, and the possibility of it being cancelled. I can spare 20% in interest before paying it off it in full so that just makes sense to me🤷♂️ most ppl would’ve recommended that I wait until after college to invest as well but that was one of the most beneficial decisions that I’ve made.
@freddyperezmusicentertainment2 жыл бұрын
Brother, you are Great, keep this up, don't go back. Blessings for kicking the habit !!!
@davinjohnson111010 ай бұрын
Congrats bro 🎈🍾🎊
@chusinavan41312 жыл бұрын
GOOD FOR YOU CHASE! You got this!
@jackross76332 жыл бұрын
I love you Chase, you are an inspiration; I will pray that you stay righteous! 👍
@shariifjakes42903 ай бұрын
You got this man! Keep it up 👍🏽
@Gtrundlebed7 ай бұрын
This guy is AWESOME! Go Chase!!
@KidCity19852 жыл бұрын
He only has to fear losing himself
@KC-dr3cg2 жыл бұрын
Very encouraging call
@thefpvlife77852 жыл бұрын
Man I'm wishing chase success.
@ChrisCardenDrums5 күн бұрын
I would've challenged him to move 1000 of that 15000 into a separate account, pay off the 4200, and get the balance on the car below 19000 that day. Then he would've had like 7000 bucks and you could just say "hey man, that is your car budget to give yourself a raise of whatever your car payment is every single month. That could knock out those student loans pretty quick!"
@sami-g60872 жыл бұрын
One prescription doesn't fit all every case is different.
@karenrowles97882 жыл бұрын
I love Dave’s modified advice.
@privacyplease15563 ай бұрын
Personal finance is personal. $2000 is barely an emergency fund. He’s better off keeping it
@cathyandresiak19752 жыл бұрын
Keep your money and keep saving it. I would't give away all the money i had.
@PInk77W12 жыл бұрын
Getting rid of interest payments and debt is way better.
@unbothered63573 ай бұрын
Sir When you call in, you are NOT expected to talk
@carlosguzman44311 ай бұрын
I love the short term plan, you guys rock. thank you.
@aromero3852 жыл бұрын
Good advise and encouragement, nice thing to do.
@domvolpe19772 жыл бұрын
Proud of you bro.
@ashleymjenkins Жыл бұрын
So proud! You got this 🙌🏽🙌🏽🙌🏽🙌🏽
@Hellokitty71632 жыл бұрын
This guy is fierce !! 🎉 good for him
@joepic858 ай бұрын
Why take on debt when you have cash?
@steviejd58032 жыл бұрын
Hey Chase, I hope you are wekk on the way to being debt free. Best wishes from a rather grey, cold and mizogs England. Oh, ps, I'm looking forward to some bright AZ weather soon.....cannot wait to get back to beautiful America.
@craigadams36392 жыл бұрын
So proud of this guy 😎
@dataslagter67132 жыл бұрын
every time I want to make a stupid financial decision I just listen to Dave a little bit and realize I'm broke and should rather wait
@guppers80642 жыл бұрын
Wow that was an awesome call
@clarifyingquestions2 жыл бұрын
Chad should start a KZbin channel!!! This is what drug addicted Americans need!!!!!!
@thinkforyourself93342 жыл бұрын
**Chase not Chad
@joeymullins38592 жыл бұрын
that's my wife's problem ,she dosen't want to use our savings to start the baby steps to get out of debt,no drug addiction though lol.