Is the American Dream Officially Dead? w/

[@V.stones]

it feels like that classic dream-owning a home, building wealth, retiring comfortably-is slipping away for a lot of people

[@Andres_853]

I feel that. It’s not like it used to be. Even when you work hard and save, it’s so easy to feel stuck or like you’re just not making real progress. Sometimes I wonder if I’m doing something wrong with my money

[@Kattyol1]

I think a lot of us feel that way. It’s tough out there, especially with everything being so uncertain. For me, I’ve been thinking about how I can make smarter investment moves so that my money’s actually working for me

[@louisahernandez]

Exactly. One of my friends started working with a financial planner, Joseph Nick Cahill, who’s a CFP. He’s been helping her set up a plan to build wealth, even with all the uncertainty. She was hesitant at first, but she got a free consultation with him and realized how much difference having a solid strategy can make

[@Andres_853]

Joseph Nick Cahill, you say? I’ve been considering speaking to someone who can help me manage my investments better. Is he really worth it?

[@louisahernandez]

Totally. He doesn’t give cookie-cutter advice-he actually tailors it to your financial goals and where you’re at. So if you’re looking to grow your savings, prepare for retirement, or even plan for a home someday, he works with you step-by-step. That free consultation is a nice way to see if his approach fits what you need without any commitment

[@derekstone9715]

To all the people unsubbing... Why? He is asking Ben questions like... "how did you succeed?" "is the American dream dead?" "how do you ballance faith and work" "in your opinion is 65 is bogus retirement age" "do you think there's value in working after retirement?" How is this not okay to talk about on a financial channel?

[@siegfriedbraun5447]

Who would be unsubbing and why?

[@kylehackett162]

@@siegfriedbraun5447 They are liberals who are butt hurt that Dave is talking to conservatives like Trump and Ben Shapiro. Small minded people basically.

[@Horus1133]

America is a failed society. People are brainwashed.

[@kodamag-bb2of]

The average life span is 76-78 years old. Once you’re 65, enjoy life.

[@adamasagir1686]

Because he seems to bring the same types of politics...

[@georgias701]

Unimportant observation: Ben's coat and shirt are perfectly coordinated with the Ramsey mug. 😄

[@markseaman4750]

You’re right! Now I can’t stop looking😂

[@ironminecart6471]

@@markseaman4750 rofl same

[@jayjulez7543]

😂🤣

[@rogerb3654]

😂

[@lanelebaron]

😂

[@JoelCharisma-q5u]

Surprising that despite the pessimism most people are still making hundreds of thousands of dollars from businesses and investing. The American dream did not die, it is just not known to the general public. I myself make at least 40k from investing in the markets, and that does not include money from my businesses.

[@BarryWhite-h9m]

I'm surprised people are always complaining. I also know how the US economy can return to you if you are savvy. I'm surprised they don't teach this in school.

[@gregorywhem]

Happy to read this. I recently started a small business and at least my profits are covering for my daily needs and there is potential for growth. Can you put me through on how to invest and make profits? I'm a novice in that field but I'm ready to learn.

[@JoelCharisma-q5u]

Days of little beginnings are precious. Haha I'm not a professional in the aspect either. I wouldn't normally do this on the internet, but I work with Marissa Lynn Babula. You can look her up.

[@MarkJoe-e7f]

Thanks a lot for the recommendation. I'll send her an email and I hope I'm able to connect with her.

[@randomkyle3]

the point is, if you are a capital owner (stocks, houses, business, etc.) you’re doing great because all the asset prices raise with inflation, you know what doesn’t? Wages. Have you given your employees their 30% raise over the past 4 years because that’s the real inflation rate. I bet you haven’t because it’s expensive and you’d rather not pay that.

[@gayleyb1233]

My Dad retired and was so bored he went back to work. He and another teacher started an independent study high school in the same school district he retired from. He was a born teacher...He loved to learn and passed on his knowledge. He lived to be 97. Sharp as a tack to his dying day. My hero.

[@gracehu4692]

I am 34, First generation immigrant. Came here by myself with next to nothing 8 years ago. Worked hard for years. Now I am an airline Pilot, A job I couldn't even dare to dream before, I have an awesome family, I am not there yet, but future is so bright! American dream is not dead. The victim mindset and entitlement is why people are not making progress. We need to be responsible for our own behavior.

[@alleykeosheyan4779]

Props to you!!!

[@777STMIA]

Great work. Happy for your success.

[@Production-xj5qm]

This is what America is made of.

[@TXchicarchitect]

Amen!

[@mattm7798]

Congrats dude. I am flying next month, hope you are my pilot :)

[@Joshmarmolejo_]

For people complaining, when I first found Dave Ramsey 4 years ago and started getting my finances together that was the beginning of my red pill process lol

[@garburto]

There’s no coincidence that that happened, by the way.

[@TrickyMickTrucking]

Yeah, I think there's a lot of us in that boat.

[@0rnery0verwatch]

It's not difficult to understand. Once your start looking after yourself and getting your sh!t together, you begin to understand the myriad of ways in which the 'system' and it's 'experts' lie to you to keep you dependent.

[@Joshmarmolejo_]

@@garburtoyou’re right my life changed a lot since then.

[@letsjustgetjaked]

Red Pill has nothing to do with finances. What are you talking about?

[@CurieBohr]

This is the best Shapiro interview I’ve ever watched. I’m so glad Dave gave him the freedom to talk without interruption. Dave recognizes that Ben offers value.

[@scapegoat413]

Wish it was 1v1 Dave and Ben.

[@beastjemzo]

He’s a coward

[@you-5-iver804]

​@@coastal5228he's smart at manipulating. He hasn't got a general high amount of intelligence. Above avergae but no genius.

[@coastal5228]

@@you-5-iver804 ehhhh....you better check on that one.

[@jenniferpearce1052]

@@scapegoat413 I like George

[@beachcoconuts3]

Tip to the Ramsey show: put chapter titles along the timeline of the episode in case people want to skip forward to a certain topic.

[@Horus1133]

stop attending to the short attention span crisis

[@MrDexterSr]

Great suggestion 👍🏾

[@WheresWaldoProd]

@@Horus1133 Relax. Timestamps help when have to continually pause and play (particularly when you're working) or when you want to revisit a certain section at a later time.

[@heystopthatnow]

GREAT SUGGESTION!!!

[@TMPS93]

They're probably going to post as separate clips to milk it for clicks like they did with the Trump interview.

[@MakesMeNoDifference-sd9qg]

I was laid off at 66 years old even thought I wanted to work to 70. I worked part-time for those 4 years until I started drawing Social Security at 70. I still work some part-time for wages but I have been doing building projects at our church. I have saved the church several thousands of dollars by doing these projects with my efforts and several volunteers. Now I am helping with a couple of charities while taking some time to travel. By the way, I led Financial Peace classes for our church for about a decade and have been a millionaire for several years - yes, I had an occupation in the top 5 of the Ramsey Millionaire Survey - Engineer.

[@MariaGarcia-gj5ie]

Wow, well done and God bless. I guess there’s hope for me then .❤

[@AuroraCardi-in9zt]

This is an excellent interview! My parents and I immigrated to the US in the mid sixties. They had to learn english and get jobs, my dad as a mechanic and my mom in a garment factory. They worked hard, saved money and paid cash for everything. They never were in debt because they remembered how bad it was in Italy after WWII. People who complain about living in the US should think about why are people always trying to come to America.

[@single1inLA]

These great men make me cry. I am single income living on a clerk salary in California no family no government assistance; debt free net worth > $1M with a paid for house. The American dream is still Alive. I just bought a second home even though I came to this country alone. America is truly the BEST county in the World for those who are willing to WORK and not make excuses.

[@queenielau5907]

so proud of you

[@Glock20AK]

😂. Don’t believe what you read on the internet from random people..

[@alluringbliss4165]

Is that another Bolt

[@naomiemoore5725]

Similar story. Semi retired and completely debt free. No blood relatives. After catering to other people my entire life, now it is my turn. And grew up in Glendale, next to Burbank. Was nice back then. Now, not so much. Progress is not always for the better.

[@ranp237]

My wife's mom was a single mom raising a baby by herself on a secretary salary. Debt free. Her net worth is over a million today.

[@kellybrashier2671]

these two men are the reason I went conservative. The first time I met uncle Dave, I was watching the Sunday Special! This started me on my journey to become a better person! Closer to GOD and ready to work on getting out of DEBT! Still working on it but these two are wonderful!

[@SarahSherwin-vo2vi]

So cool! Love to hear it!

[@htexas918]

Same!!! I was a leftist Californian, came across Dave then Ben and here I am voting republican two elections in a row 🎉

[@bskinny9009]

​@@htexas918 Totally brainwashed.

[@anndipietro1868]

Keep up the good work. You will be in such a better place with no debt. I hope you have a celebration after all that work. It will change your life.

[@jaykiser4103]

Bro me too!! That’s so cool!

[@mikebalint3412]

Near the end of his life, Stan Lee (Marvel Comics Fame) was asked, "when will you retire?" His response was, "I love what I do, why would you take that away from me?" A lot of people get joy from the work- so why quit?

[@johnathin0061892]

Stan had a literal dream job, had a profound effect on culture, made a good living and millions and millions appreciated him and his work. Very, very few of us have that. Most people make just enough to survive, will make no significant difference in the world, no one at work appreciates them and no one would miss them they were replaced. If we all had a job like Stan's, we wouldn't want to retire either.

[@jns08d]

@@johnathin0061892 So you think Stan was handed all of that and got "lucky?"

[@joestalin2375]

​@@jns08d The luck came with his God given artistry and picking the right lawyers that wouldn't sell him out .

[@SolDizZo]

The average lifespan of cops in America Entering Retirement was something like 5.1 years. I think they loved the service but they were often forced to quit at 25 due to health and burning the candle at both ends. They say it's a lack of diverse skillsets and professional development but really I think when you can no longer do what you loved and found so deeply fulfilling life starts to lose meaning.

[@darnelltabor6382]

​@@jns08dThats not remotely what they said. Youre baiting them to change the conversation into a subject you want to talk about.

[@ryan6500]

Dave and Ben - listen to them and you will do better in life.

[@Croftrivers]

LOL oh Trumpies

[@tlakins]

​@@CroftriversIt's called Conservative values. Which is a large part of why Trump won. BTW who did you vote for?

[@yourlocalyoutuber6145]

You don't have to agree with Shapiro politically to realize this is a great conversation.

[@StLouis-yg8jp]

If I wanted to listen to jewish propaganda I would watch pornhob

[@justinmc415]

​@@StLouis-yg8jpwhat?

[@StLouis-yg8jp]

@@justinmc415 Ben Shapiro is a mossad agent working for the Israeli government

[@joestalin2375]

​@@StLouis-yg8jp But you're Jewish?

[@packatk7431]

I was just thinking the exact same thing. I really respect a lot of what Ben says. I may not agree on the hows and whys with him some of the time but in the end I think we end up at the same destination.

[@sportsfanatic239]

2 of my favorite KZbinrs in one video. Can't wait to finish this.

[@feyk.6680]

I never commented on social media but watch every single video of Dave show my many others. An immigrant here live in U.S for 20yrs now and Lord you have to see the other side to agree with this interview. Thank you. I live around so many people with the whinnying mentality. Looking outside the window mentality rather than looking at the mirror. Good luck with that.

[@hungryspleen5585]

Yeah it's trendy to want to be a victim of others instead of themselves these days, sad really

[@DoBetterWorld]

It is so nice to see a different side of Ben, thanks Dave for having him on your show.

[@onemanarmy1310]

25, and married. The American dream is NOT dead. But it isn't easy.

[@AnnGreen-o9e]

I have 6 children aged 23-43. 4 have a least 1 house. The youngest is special needs so he will inherit the family home 🏡. One son has rental properties. So the Australian dream didn't die.

[@1denverd]

I don't think it ever was easy.

[@patrickholzer8425]

Ease was never promised. Ease isn’t happiness.

[@Bmw-Hk]

No atlet who won the olympics said was easy…

[@bobswag710]

Never was easy brother

[@briannarequenez250]

I am so grateful for conversations like these! Two different backgrounds, collectively coming together to speak, with such regard to the other person on the other side of the table & still educate on topics & staying true to their own experiences. It's so so refreshing! We need more conversations like these!

[@FriskyOCallahan]

Thanks Dave for having Ben and DJT in for interviews. It's helpful to hear how people of those calibers became successful and their outlook on life and the future.

[@wesleyblaha3537]

Not surprising seeing the unsubscribe comments before the interview even airs🙄 People can't emotionally handle the idea of listening to somebody that might have a different opinion or perspective than themselves need to grow up. If you're soo pissed why dont you encourage Kamala to do an interview?

[@chazzkramer7676]

An ACTUAL interview!

[@silasRperry]

Dude AMEN. It’s so sad how pathetic people are

[@sarapurdy8712]

We need to toss them a tissue for their troubles lol

[@derrickmd18]

I'm unsubscribing because he's having an interview with someone that fired someone for saying Christ is king. Which I don't agree with. It's interesting you can talk to someone about the American dream but fire someone for there religion.

[@miguelocampo9595]

We don’t care about hearing different opinions. Most of us already know how Ben is and don’t care to hear him again already

[@aishajackson50]

The worship to work relationship Dave shared was so profound. Ben is very knowledgeable of course - so sharp.

[@ctownRt]

Ben’s shirt and coat match the mug in front of him lol. Great interview! Keep up the great work.

[@TheZeppelin14]

I know the government can't make you wealthy but they sure can put in laws that make it much harder to become wealthy.

[@laurahano2587]

Absolutely!

[@EmilGhiurau]

Like tax you at each bracket just so you don't excel.

[@adennjusik5455]

Like when the SEC halted trading of GameStop because the "Poor" Hedgefunds were losing too much money on the Short position that blew up in their face??

[@TM-jo4wz]

Except for them. Plus politicians see something they don’t like so they create a new law against it. Then you’re a criminal.

[@johnathin0061892]

The government has a monopoly on violence, so they can make it hard or impossible to become wealthy, if they so choose.

[@mramirez410]

Loving this side of you Dave! You are incredible at interviewing

[@onedangerousmanreacts]

💯

[@sf3413]

George!!! Take Ben for coffee and film it!!!! Awesome idea; you're welcome!

[@nmejia024]

That would be amazing!

[@misstbikini]

Probably tea

[@Winston125]

Great call putting Shapiro on. Keep pushing the correct messaging. Thanks for all you do 343k in debt but pounding through it(mortgage only!)

[@doctorbeanis]

Keep pounding!!! :)

[@dipro001]

youll be fine since its a mortgage only. You are only screwed if its credit card, student, or bad car loan

[@kimochkaks]

Lots of respect for these gentlemen. The American dream is not dead. We live debt free in a paid for house. We aren’t extravagant, and we’re in our 60’s.

[@brentvalencia8347]

Yeah mf, you got your house probably in the 80’s. How out of touch are you?

[@huebothedog665]

I’ve watched Ben for years. I’ve always been responsible with my finances but didn’t optimize them till this year, which is when I started listening to Dave. And what do you know, they make a collab for the ages. Love it.

[@user-kn9tt6ny3v]

I am a first generation immigrant. We moved to USA in 80s. My parents worked hard, we didn't rely on EBT or public housing. My parentle raised 4 kids; 2 doctors and 2 engineers.

[@daniellpronk]

😊

[@nathan8464]

I've noticed how almost all of the comments whining about this are from people who havent actually watched it and commented days ago.

[@dylanlaforest5019]

Lmao Fr. This wasn’t at all political lol

[@DylanMeek7]

This dropped hours ago, not days ago. How could they have commented days ago?

[@Glock20AK]

False

[@nathan8464]

@@DylanMeek7 because it was posted as a premiere a few days ago, people commented on the video before there was even a video to watch

[@DDCrp]

Because they’re campaign-funded bots… it’s a not so well known PR tactic

[@austinbar266]

The avg. American is having a tough time, I know I am not alone. There are others in same position as me. By certain statistics: 22% of americans have no retirement savings. 64% are worried that they will not have money in latter years while 47% of adults who are not yet retired think they have to work part-time in retirement. How can I best grow the 100k I have saved seperately outside retirement access which of course had depleted over the years?

[@eloign7147]

It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.

[@rogerwheelers4322]

Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.

[@joshbarney114]

I completely agree; I am in my mid 40s, approaching retirement, and have approximately over 2million dollars in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglected, not rejected. Just do your due diligence to identify a fiduciary one.

[@FabioOdelega876]

This is exactly how i wish to get my finances coordinated ahead of retirement. Can you recommend the financial advisor you used to get ahead?

[@joshbarney114]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Marisa Michelle Litwinsky’’ for about three years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@dgfreshx]

The reason I want to retire is so that I CAN be more involved in the community. I'm in an office job and I work 40+ hours. All of those hours are spent away from family and community. I'd rather volunteer and spend more time with my kids in the future years. I'm glad Ben is including this in his argument finally. I see no virtue in just working an office job until I die.

[@ceofeleciafoster9250]

Facts. I question the real reason. People with money always think we can just work and then die. There because they do whatever they want so no reason to retire. They can take vacations for months. Not the average person.

[@chrisvaldez2922]

He had this in his original argument, but the haters clipped it and attacked.

[@striperkid]

The reason I'm retiring next month is so I can work on my golf game. 40 years in the work force, I'm DONE !!

[@shaddiegradyorielly6380]

@@striperkid you got it right . . .

[@jessicabender1301]

You are changing jobs! It is naming it differently

[@simonpilarcik6838]

You can tell who did and didnt watch the video by the comments.. theres not much politics, just common sense

[@karlstrauss2330]

Politics has infested every facet of American life my friend. Ignoring politics is to ignore the realities of life

[@simonpilarcik6838]

@@karlstrauss2330 I don't mind the politics of the video, I was making the point that the people who are angry at the interview because of the politics, didn't even watch the video. 2/3rds of the whole interview isn't political.

[@chookchack]

Lol i just got past half way while reading the comments. The only political topic so far is when ben called out both parties exaggerating the death of american dream. So far Im not finding this episode very political.

[@simonpilarcik6838]

@@chookchack it definitely gets more political around the end. However, I think because Ben is associated with politics, that people immediately assume that the topics will be political.

[@cb1623]

Exactly!

[@riah4106]

My two favorite men who helped me and my family turn our lives around.... ❤️ 💓 forever greatful for these two men ❤️

[@MurderMostFowl]

Please tell us your story on how Ben Shapiro turned your life around. LOL

[@fookbia8875]

The American dream is alive and well for those that value minimalism, wisdom, frugality, higher education, stable family, morals, investing, integrity, etc. Consumerism and worldly views will deplete wealth. Net worth over 5 million. Should double over the next 20 years. Age 49.

[@jablanguado7738]

What was your journey to 5 million like?

[@fookbia8875]

@@jablanguado7738 Tons of work. Tons of pain.

[@jablanguado7738]

@@fookbia8875 I’m working on my way right now. I’m much younger than you. Do you have any guidance for me?

[@farzana6676]

​@fookbia8875 Give more detail please

[@Cioletta4]

Nice job. And great perspective; very counter culture compared to today’s over consumption we see in our society.

[@EmmaLStout]

Love this! I don’t always agree with Ben’s opinions, but I do trust him to give the facts pretty much all the time.

[@Therearethosewhocallmetim78]

Love this. Discussion wasn't even political

[@AlexCPauwels85]

I LOVE watching Ben in these types of interviews, listening to him and his insight in life is very valuable. As Jordan Peterson said he could do so much more than politics.

[@JohnClinton-j4d]

Thanks for continuing updates and for keeping us financially Educated! Regardless of how bad it gets on the economy, I'd rather trade the crypto market as it's more profitable than holding. I made a Hundred thousand dollars from trading last year even though I barely trade myself.

[@daniellpronk]

steve michaels analyzes go beyond superficial trends. It delves into how to be financial freedom, technical, fundamental and sentiment analysis, providing a holistic view of the market.

[@Pete-566]

@@daniellpronk I am a beginner how do I reach him please?

[@davidson-565]

@@daniellpronk I and my husband are favoured financially through his help, Thank you steve michael steele. $32,000 weekly profit regardless of how bad it gets on the economy,, we are grateful sir

[@davidson-565]

he is mostly on Telegrams, using the user name@steve_894

[@juliegriffin5028]

Smaller homes don't just cost less to buy, but they are much more reasonable to repair/maintain, insure, heat/cool, recarpet/update, clean (doable as a yourself instead of a need to hire it out), and have lower property taxes...often these are not just financially beneficial but simplify and lessen stress level.

[@Oglulubell]

I refine my search on Zillow to Max 1500sq ft. Cause I ain’t cleaning anything bigger than that 😊

[@michaelweyenberg6238]

Great interview. Everyone who is biased off the bat is missing out.

[@devantech4133]

This is one of the most inspirational interviews I've seen in my life, thanks to Dave, Ben and their teams for the inspiration and hope!

[@bentley625]

How lol it's not that serious of an interview. Go watch more interviews it's not bad but it also ain't that

[@devantech4133]

@@bentley625 It doesn't have to be all that, it's just the right words at the right time from the right people for my life.

[@patrickholzer8425]

@@bentley625feel better?

[@whitneyoliver8553]

So many tolerable open minded people out there..😊

[@laurahano2587]

Interesting they were commenting days before the interview aired. Perhaps people should give opinions AFTER the show has been seen.

[@whitneyoliver8553]

@@laurahano2587 great point!

[@karlstrauss2330]

@@laurahano2587why?

[@John-du2mq]

They are on the left that constantly tell people to be tolerable and open minded lol.

[@BillDaBurgerEater]

Ask Ben how tolerant he is of a Palestinian person existing?

[@blynn2883]

Another great one, Mr. Ramsey! Love Ben. Love America. Following the Baby Steps, working hard despite having Multiple Sclerosis, and on track financially to change my family tree. Thanks for speaking truth! The American Dream is alive and it's working for me.

[@svietka202]

❤God bless

[@Joesixfour]

Thought I left my playback speed on 1.25x that's just how fast Ben talks lol

[@christinecusano2578]

I double checked mine also lol

[@MDentertainmentbiz]

I checked my speed too 😂

[@TheFishingNomad]

I'm loving these KZbin crossovers from people that don't normally interact in the same space. I remember a talk with these two maybe five years ago or so and it was excellent. I'm halfway through this one and it's great as well.

[@acrobizer1238]

I like when Dave mentions he cash flowing his college and Ben started in on the loan officer with a high probability of success and Dave got all squirmy throwing cold water on the topic…awesome.

[@Hard_Boiled_Entertainment]

Yep! One think everybody knows about Dave: He's 1000% anti-debt--understandably, of course, but it leads to his feeling that credit cards, even credit scores, are just never worth the risk. (He allows an exception for a home mortgage, of course, but with the caveat of "Pay that off ASAP!")

[@lindarobinson8288]

Great interview. Ben Shapiro is a great role model and great thinker, as are George and Dave. Three powerful men exchanging ideas that will promote healthy conversation. I'm a big fan of all three of you, and you've helped me make some big changes in my life and in my thinking. I can't wait to listen to this one again!

[@jameslastname9171]

Ben is awesome! I don’t agree with him in all realms, however I would love to have such people as him as good friends. He is clearly based on well thought out ideas and facts and not the general lies and feelings.

[@BitterComments]

Only people who are deeply unhappy in their own lives despise Ben Shapiro. He is too noninflammatory to hate unless you want to.

[@Grave_Digger606]

The juxtaposition of Shapiro’s and Ramsey’s speech cadence is hilarious. After hearing Shapiro speak for a few minutes your brain adjusts to that speed, and then it feels like you lowered the speed of the video to .5 when Ramsey talks 😂

[@acquitz2208]

Haha true

[@2006gtobob]

I have worked as a repair and maintenance electrician for a steel mill in NW Indiana for nearly 30 years. I started investing 6 months after I became employed there after 6 years in the Navy. As a couple, my wife and I have wisely invested for over 20 years. I am very thankful to have been able to work at the same place this long. Yes, there have been some trying times, of course, but I was never laid off. I will be finished working here at 56, and will move on to the next thing after a 2 month break. That's the plan, God willing. We bought a home in Az several years ago, and my wife started and currently runs her business there. There are many opportunities out there, and I will continue on. I can't see sitting on a beach doing nothing.

[@tvken3438]

Dave Ramsey show changed my life and my family financial status. Start from debt now we are in baby step 5 and feel good. It’s about principle and discipline. ❤

[@VernesaGunz]

In the 50's my Dad worked a modest job, Mom stayed at home and raised the kids, and they lived a nice middle class lifestyle including owning a home. Nowadays both I and my partner works and can barely afford to make ends meet. Soon the kids and family dog will need to work to keep this household going. It's the destruction of the American dream right before our eyes.

[@RAKelBerquist]

I plan to retire at 62 in another country outside the US that is free, safe and very cheap with a high quality of life. I could fully just rely on only my SS if I wanted to when that times arrives but I'll also have at least one pension, a 403 (b) and a very prolific lnvestment account with my Abby Joseph Cohen my FA. Retiring comfortably in the US these days is almost impossible.

[@EnaEnrriques]

I went from no money to lnvest with to busting my A** off on Uber eats for four months to raise about $20k to start trading with Abby Joseph Cohen. I am at $128k right now and LOVING that you have to bring this up here

[@RamseyAlaqel]

How can i reach this Abby Joseph Cohen, if you don't mind me asking? I've known her by her reputation at Goldman Sachs

[@RAKelBerquist]

​@RamseyAlaqel Well her name is 'ABBY JOSEPH COHEN SERVICES'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

[@TessaKruqer]

I was a stay at Home mom with no money in my IRA or any savings of my own, which was scary at 53 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 56 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Abby Joseph Cohen. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, she was able to scale this quickly to $150,000.

[@findingm4101]

Rock on Guys! I've followed all of you for years. Watching from Korea!

[@asmrallison]

Love Ben, love Dave. Couldn't wait for this interview.

[@juliewatson3969]

Dave was on Ben’s show a few years ago too. 👍🏼

[@JasonTaylor-po5xc]

For me, retirement just means I choose the type of work I do. If I decide to dedicate my life to working in a charity or taking a lower paying job that I'm more passionate about. You have to have a no debt at all and a good solid retirement account saved up. Then work becomes about passion not obligation.

[@woods-garage]

I’ve watched a few Dave Ramsey videos before but was not a subscriber. Changing that now - subscribed.

[@svietka202]

yep, me too

[@Magdalene952]

My husband and I bought acreage and are in the process of building our 2 bed/2 bath 1,400 square foot house. Everyone thinks we are mad for "going so small". ("I mean just 1 more bedroom wouldn't hurt you?") We never got blessed with kids. I am 40. It's just us, so why would we need to go bankrupt building a big house that requires more time to clean/maintain vs. being able to spend time doing so many other things we enjoy and love to do?

[@linanguyen1476]

It so pleasant to me hear actual smart conversation 🧠 is a treat from my 🧠 after being around with too much silly and shallow conversations of people around

[@secretosdeunamama]

Retirement is crucial for many professions, especially those that are physically demanding or mentally exhausting. For individuals in jobs that take a significant toll on health-like first responders, construction workers, or healthcare professionals-having the opportunity to retire allows them to prioritize their well-being and enjoy the fruits of their hard work. It’s a well-deserved break from the daily grind! On the other hand, for those who spend their days sitting in front of a computer, the need for retirement might not be as pressing, but everyone deserves a chance to relax and recharge. Ultimately, every profession has its challenges, and retirement is a vital part of ensuring a healthier future for all workers! Plus, retirement opens up a world of opportunities to finally pursue passions that were sidelined while working, like gardening or spending quality time with grandchildren and elderly parents. It’s about finding that balance and embracing new experiences that bring joy after years of hard work. Everyone deserves that chance to replace their regular job with activities that truly make them happy if they are not finding joy in their work.

[@danamarie8718]

Yeah, I don’t agree with the way Ben defines retirement. He basically defines it as sitting on your a** all day, or being on permanent vacation. Most people define retirement as no longer having to work full time at the job they did for most of their life just to earn a living. Most people I know that are retired, including myself, retired so we could quit the rat race. We still make some money but not for the sake of earning. We do it to stay involved. I do some consulting. I choose my clients and projects based on whether or not I enjoy working with the client and how interesting or challenging the project is. Friends of mine who always pursued music as a hobby now play in the local bars. Another friend took up painting when she retired and now sells her artwork. Many also volunteer. I only know one retired person who sits around all day as if on vacation, and she is in her 80’s.

[@cluckieschickens]

Yes. My dad retired at 62 from being a brick layer and construction worker all his life. His body was shot. His knees and joints. He was rock hard it was like hugging a 2x4. Very slim but muscular. He spent his retirement years working on my cousins Hobbie farm. Hunting and fishing and loving life. He died at 77. He went into the old folks home due to dementia, but it was during covid. We couldn't visit in person at first. Just through a window. Then outside across a 6 foot table with masks on. All thanks to Tim Walz. My dad quit eating, I think due to depression. The last months were heartbreaking... and we couldn't hug him. Re

[@cluckieschickens]

Yes. My dad retired at 62 from being a brick layer and construction worker all his life. His body was shot. His knees and joints. He was rock hard it was like hugging a 2x4. Very slim but muscular. He spent his retirement years working on my cousins Hobbie farm. Hunting and fishing and loving life. He died at 77. He went into the old folks home due to dementia, but it was during covid. We couldn't visit in person at first. Just through a window. Then outside across a 6 foot table with masks on. All thanks to Tim Walz. My dad quit eating, I think due to depression. The last months were heartbreaking... and we couldn't hug him. Re

[@cluckieschickens]

Yes. My dad retired at 62 from being a brick layer and construction worker all his life. His body was shot. His knees and joints. He was rock hard it was like hugging a 2x4. Very slim but muscular. He spent his retirement years working on my cousins Hobbie farm. Hunting and fishing and loving life. He died at 77. He went into the old folks home due to dementia, but it was during covid. We couldn't visit in person at first. Just through a window. Then outside across a 6 foot table with masks on. All thanks to Tim Walz. My dad quit eating, I think due to depression. The last months were heartbreaking... and we couldn't hug him. Re

[@cluckieschickens]

Yes. My dad retired at 62 from being a brick layer and construction worker all his life. His body was shot. His knees and joints. He was rock hard it was like hugging a 2x4. Very slim but muscular. He spent his retirement years working on my cousins Hobbie farm. Hunting and fishing and loving life. He died at 77. He went into the old folks home due to dementia, but it was during covid. We couldn't visit in person at first. Just through a window. Then outside across a 6 foot table with masks on. All thanks to Tim Walz. My dad quit eating, I think due to depression. The last months were heartbreaking... and we couldn't hug him. Re

[@brittburns91]

The fact that yall are unsubscribing because ben is on here. I dont like ben but i like dave. No need to unsubscribe from a good platform because he is trying to educate us on things

[@meve531]

How dare you be so reasonable lol

[@assjuice8223]

I like Ben but if you don’t like him but you’re still willing to have a conversation then we can be friends and peers with mutual respect. People who won’t even have the conversation, or stop listening to Dave because he talked to Ben or trump, are not people worthy of respect lol.

[@tobiassalisbury245]

😂😂😂​@@meve531

[@clipchamprazor3912]

I agree, it's too early to unsub. If it becomes a pattern of having these types of guests on, maybe then.

[@Im-a-rock]

There’s a term for it. It’s called being open minded

[@coreybates7412]

I’ll be honest I’m not a huge fan of George on the Ramsey show. But I was really impressed and loved the questions he asked Ben. Great interview.

[@E.R.Hewitt]

Do you really like horses?

[@HarvestingFaithHomestead]

Why don’t you like George?! I met George in person when I went down to meet Dave and see the show live, and George was literally my favorite person there!! He was still the MC at that time before he was promoted to being a personality, so we literally got to hang out for the full 3 hour show and it was so much fun ❤

[@gpcbr1000]

I always enjoy seeing crossover episodes from some of my favorite KZbinrs

[@Mys.Teri67]

I have noticed that people today want their style of living to be the same as their parents right away. Usually their parents did not start at their level straight away. They slowly worked their way up. With many ups and downs. Your first house is the first step to your dream home.

[@ap20017]

if they talk about social security , why they don't talk about the $2 trillion dollars, congress used from social security. Congress should put all the money they took , back into social security.

[@dreadnoughtprime6301]

See, its funny that people are talking about unsubbing because Ben already had Dave on his show years back and they didn't seem to care back then.

[@HarvestingFaithHomestead]

I think it’s fantastic. Two of my favorite channels coming together!

[@aao449]

I think ppl like Dave, but they can’t stand Ben.

[@esenambesttsewu7859]

Wtf does that have to do with this episode on this platform?

[@dreadnoughtprime6301]

@@esenambesttsewu7859 Read. Figure it out.

[@marge3157]

The conversation this country needs to hear.

[@rh-bd6wv]

People retire already. Trust me, your family and community will not let you be idle. Opportunities to serve are endless.

[@angelagould54]

I don't like the phrase "white privilege". I am white by birth. My husband and I have worked hard and made good decisions. By the way, I was born with cerebral palsy and the second to the oldest of ten children. I worked my way through a graduate degree. I love Ben and Dave.

[@impalagenesis178]

It's not about what you like. It's about what's the truth. If your name is Andrew you have a much higher chance of getting interviewed for a job compared to a Mohammed or Tyrone . We all know pretty privilege, woman privilege, child privilege, rich privilege exist just to name a few. I mean even being a cop gets you a privilege called qualified immunity. If you worked hard and didn't use your privilege then congrats but that doesn't mean it doesn't exist and isn't used by others to advance their life

[@kalebmartinson]

I love hearing them talk about work from Gods perspective. There is a sermon from David Pawson called The Biblical Attitude to Work, completely changed my understanding and attitude towards work.

[@jaynerucker8528]

I really enjoyed this interview with Mr. Shapiro. It was so interesting to hear you all focus on the Blessings we have in this country! Thank you!!

[@Yied1]

Great listen I’m not religious but I like the way Ben talks he captivates you.

[@louannhuber2651]

Thank you! I hate retirement. Always searching for something meaningful to do. I also love earning money.

[@erikbuysbricks1562]

To be fair President Trump is one of a few presidents who has actually created many jobs.

[@hiddenint]

What ben is saying is that trump might have created an environment where it was easy to hire, but didn’t “create” jobs

[@erikbuysbricks1562]

@@hiddenint I know. I was referring to the fact he’s actually built business prior to his presidency, he actually created jobs.

[@hiddenint]

@@erikbuysbricks1562 Fair enough

[@hiddenint]

I misunderstood. It is annoying how most politicians haven't run a popsicle stand.

[@erikbuysbricks1562]

@@hiddenint it’s all good. I was a little vague in my statement. And absolutely, real world experience definitely helps when creating policy.

[@dawsondanny990]

The average person has never been so poor. Millions of families are struggling financially as living expenses hit the highest levels in more than four decades. Over 60% of our country lives paycheck to paycheck and about 40% earns poverty wages. Even after working all their lives, more than a quarter of older people have no savings and many believe they will never be able to retire in dignity, while around 55% of elderly people try to survive on an income of less than 25,000 a year.

[@Patriciacraig599]

Biden is worst thing that happened to us

[@belljoe]

TRUMP 2024

[@rannyorton]

A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@belljoe]

How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@rannyorton]

Julia Hope Marble is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@laurahano2587]

So glad for this interview. Great combo!

[@stevegiauque6585]

Thanks!

[@CoffeeNo0b0514]

Bunch of crybabies in the comments. You can just leave, we don't care enough for you to comment. Won't even notice the absence

[@robboyce6636]

My first house was an 1100 sq ft condo. Dave would be proud of me. Today at 61 I still own that property and it is a rental.

[@VelaMdR]

I’m so grateful to watch this episode. Thank you for the honest opinion. This is what society needs to listen. 🙏🏻🇺🇸

[@cassandraeaton5164]

Two of my favorite people! I loved this.

[@marydenny1]

This was exceptional. It lifted both my IQ and my optimism. Well done!

[@DriverDude100]

The discussion was too short. I wish it was longer.

[@92essink]

What a great conversation 👏

[@wesdaaawg]

Love this! Everyone in this interview is someone I look up to. All of these wise men have insightful knowledge to share. Thank you 🙏

[@caseyjames5452]

Fantastic interview, thanks for conducting this.

[@latham4575]

My great grandparents told me a story. They both became high school teachers, bought their home for 30k, paid it off, and saved money the rest of their life. They deserve their success. But this is NOT the reality today. Yes you can get ahead, but you’re looking at moving in with parents or having a double income or having a very good single income. Belittling young people’s problems doesn’t make them go away. We can tell them to work hard and have hope and at the same time acknowledge that the current situation is not acceptable.

[@martinvho]

It's called workethic, respect, and humility. You don't need religion to have that, but it helps.

[@yankeefrugal]

To the vast majority of Americans, retirement is having the ability to structure your days with what you want to do when you want to do it versus having to do what someone else wants you to do when they want you to do it. Retirement = freedom.

[@gur1195]

Looking forward for this one

[@milliondollardreams]

Most 64 year old boomers can't fathom retirement but that next 3-5 years ages you. You may change your mind at 70+

[@IrishMexican]

Yep, Ben is very young and both him and Dave have a cushy desk job (that they rightfully earned). But I think they probably don’t know what it’s like doing physical labor everyday at age 65+

[@robedmund9948]

Most of those people you refer to made poor financial decisions, lived in debt for most of their lives/lived beyond their means, and now get to pay the consequences of THEIR decisions. Hopefully, their children will learn from those mistakes.

[@PhilBlack-f9s]

I honestly don't think the American Dream is dead. If you don't fuck off your entire time during college or trade school, you can easily land a 60-65k gross pay job which can put you in a brand new home with just 12 months of saving for a down payment. The problem is people WANT to live in expensive states/cities instead of moving, have kids, buy expensive cars, or travel every month, I see it everyday around me. I landed an entry level tech job and was able to purchase a brand new 1550 sq ft house within a year of saving and frugal living. I still had 12 months worth of emergency expenses and bear in mind, this was all within the last year. It's doable, people just don't have self discipline and instead blame politics, a bad economy, peer pressure, or whatever the hell they want.

[@lot2196]

My son went to trade school. He is 27 and made $92k last year. $0 student debt.

[@John-du2mq]

Yup. Most of these morons go to college for the "college experience" instead of going to get an education that's going to get you ahead in life.

[@jcnash02]

I didn’t screw around in college, have a long time in my industry and have been laid off for 14 months with few interviews. Applied to hundreds of jobs. The economy really does suck.

[@littleripper312]

@@lot2196 $92k isn't much these days. That's like making $35-40k in my boomer parents day. I say that as a union welder making similar to your son. Of course maybe if I move somewhere with tornados or somewhere so remote there will be no concerts to go to then maybe it will be an okay income. There's also the problem nowadays that if you want kids you can't just pick a good spouse who would make a good parent they need good reliable income too.

[@littleripper312]

What people are complaining about is that with the same hardwork we put in as our parents we get a quarter the rewards. I went to trade school and I'm doing fine but my dad got a lot more for doing the same job... like way more. I agree with you though that majority of people are just terrible with personal finances and life decisions. They think it was easy in our parents day but it was never easy. It was the exact same hardwork, the difference is simply the rewards were way higher. People forget that the work and personal finance is still the same now as it was back then though.

[@bdBSF]

What a great interview! Super interesting. Thank you, Dave.

[@InconstructionLG]

Loved loved this interview learned a lot great points on work and retirement and purpose. Specifically liked when Ben stated a comment regarding the US pioneering spirit - it encouraged me. Thanks @dave for this!

[@SwimSweetie100]

The American dream is NOT DEAD! If you’re expecting to work a minimum wage job your life and own a home, sure you won’t get it. But making the right choices day after day leads to good things.

[@nicholasnoriega1205]

Every metric shows the American dream is exponentially more difficult today. Than it was for boomers.

[@Radial-racer]

Explain this, I make twice the income my parents did, own nothing, spend nothing, and can’t even dream of living the life they did. My parents house is inflated 100k dollars more than they bought it for, their own salary hasn’t increased by that same rate. They wouldn’t be able to buy their own home today!

[@Noah_527]

The boomers lucked out and grew up at a unique time in American history. Try going back to almost every other generation and saying that it’s harder now than then. Almost everyone has a story of family coming to America in the 1800s or 1900s with nothing and finding a way to survive. Even dirt poor people have a smart phone and internet access, the greatest source of information known to mankind ever. The challenge is that everyone else does as well so like always, you have to be better and differentiate yourself or be stuck trying to play catch up.

[@jns08d]

@@Radial-racer I'm in the same spot - I make more than both of my parents combined, 750+ credit score and can't afford my childhood home, it went from $150k - $475k in like 5 years

[@Leah1run]

I literally prayed for something, and God provided through this video. Thank you for posting, all glory to God. :)