It's Time For YOUR Independence! - Dave Ramsey Rant

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[@jackiecallan2731]

We became independent this week as we paid off our mortgage! Praise the Lord! We started the DR plan too late to become millionaires, but we are stable and debt free! And we are very thankful!

[@Anonyme67]

Jackie Callan congratulations 👏🏾👏🏾👏🏾👏🏾👏🏾

[@meganmccort3475]

Congratulations!

[@RoquitaJohnson]

Congrats Jackie!! That is a huge accomplishment. Happy for you!

[@natashas5646]

Y do u say it's too late to become a millionaire? How old r u? n how old do u have to be to become a millionaire with the DR plan??

[@IceWhiteice22]

Jackie Callan God bless y’all and congratulations

[@michaelnudelman8591]

All I need is coffee and a Ramsey rant to get my day started ☕️💵😎🇺🇸 god bless Dave

[@HayesChad]

Michael Nudelman ☝️current daily routine 😎

[@paperremix]

I workout to Dave LOL mentally, financially, and physically better off

[@aprilhollander8015]

I listen Dave's rants they are the best. Hes so good. Love truth

[@flloydblack1589]

latte breath!

[@friedeverything7135]

Yes ser

[@sydney45]

Car broke down this week, but thank's to the Storm Mode Dave mentions, we were prepared! No new debt!!!

[@cecilleflowerfarm]

Learn how to fix it that’s what I do.

[@ThemeParkTraveler173]

10K down since January out of my 37K. I decided to take control and I’ve seen nothing but positive results.

[@BooThing14]

Congratulation!

[@CarasGaladhon]

Great job.

[@kasken719]

Man that's really killing it! You keep the up and you'll be super positive and no time.

[@isabellajohnson9671]

Raymon Buster Hacker Pak kept my husband and myself debt free of all 4 credit card loan debt of $6k, $3k, 15k and 38k. Hacker Pak also offers PayPal services, and offers the best service with no upfront charges. I can recommend Pak. Whatsapp Hacker only [phone]

[@ThemeParkTraveler173]

Student Loan Paid off!

[@ChrisInvests]

Sadly most people don't even care about becoming financially independent 🙁👎 You can lead a horse to water....

[@kunalsab7805]

Sounds easy and it can be done but people just don't wanna understand but they know the are living fk up life and they think that's ok

[@austintomkewitz7206]

You can lead a house to water but you can't make it drink you can talk to people about NASA but you can't make them think

[@wk3820]

I'm about 1/5 of the way through becoming debt free, with several tough years left to go. I needed the pep talk right now. Thanks Dave!

[@isabellajohnson9671]

W K Hacker Pak kept my husband and myself debt free of all 4 credit card loan debt of $6k, $3k, 15k and 38k. Hacker Pak also offers PayPal services, and offers the best service with no upfront charges. I can recommend Pak. Whatsapp Hacker only [phone]

[@janethockey9070]

Flipping things from Craigslist and garage sales.

[@rachelwright5750]

I had a financial emergency with my car, and had to dip into my emergency fund. Back to Baby step 1, but I am so thankful I had the money there, and didn't have to stress.

[@dpborn2721]

Rachel Wright I just went through the exact same thing. Back to 1 but thanks to Dave’s principals I had zero stress and debt over it. Go us!!!!

[@The_Squirrel_Samurai]

I've been free and independent of debt since April. Best thing I've ever done.

[@whatwouldpicarddomakeitso2581]

Big mistake drinking a coffee when he said " had the car payment since God was a boy".😂😂😂 I almost choked. I love Dave so much , he just always makes me smile from inside , come rant, brutal honesty, wisdom or compassion . I truly look up to this man.

[@kennethturner9140]

"I don't want normal kids. I've seen some of your kids." LOL

[@Cmimss]

So excited! !!! By the end off this Month my impala and Sams Club Card will be Paid off!!! Now I'll be able to pay myself that $400 I've been paying them for years!!! Never again! Will I get back into debt!

[@ir10031981]

I am celebrating 10 years of the day I discovered Dave Ramsey on the radio, on I-10 as I took a road trip and drove west from Fort Stockton back to El Paso. Friday July 3, 2009 was the day I heard him for the first time, and I was like, who is this guy talking about money and personal finances? I had never heard of a radio show like that until I just came across it at random as I was flipping through the radio channels.

[@aprilsmithson8255]

This is so inspiring!! We are fed up with debt and ready to get rid of it! Finally got started with our Every Dollar budget for July. We're ready to take control of our money and being able to decide what we want to do with it!

[@jasonhowell8]

I've been independent for a decade, thanks in part to Dave's teachings. The important thing to remember is that it also comes with responsibility. I've had many situations where I had to make a decision where I really didn't want the responsibility. Once you give in and realize it's all your responsibility, the easier life is. It's hard to see in the moment, but later you realize that it gives your life meaning. Embrace your responsibilities!

[@ChrisInvests]

A surprising amount of people think it's easier to float by, enslaved to debt than to take control and become debt free 🙄

[@chouavue12]

we were once like them.. just gotta hint once and a while..

[@tarawalton6778]

@@naddarr1 WOW!! 5 years! That is SO AMAZING!!

[@crispappletart]

Following Dave's plan has been the single best decision hubby and I have made for our marriage. The peace of mind that comes with it is unreal.

[@PreeMarket]

Love these videos! Getting debt free is proven to be one of the best ways to invest in yourself.

[@catherinep4707]

I cancelled my Discover card yesterday. While I never paid interest on it, I realized after following Dave for awhile, I no longer had a need for it, nor did I ever. The agent was very nice, well spoken, and of course, tried to convince me to stay. She said "We will always be here for you if or when you want to come back." It's a sad world we live in when a credit card company is making statements like that. Nothing but lies.

[@andreakae4211]

I like my Discover card, it gives me cash back on my regular, budgeted purchases and I don’t pay interest. I like DR, but I think there’s a smart way to use credit cards. It’s the dumb people that subsidize my rewards.

[@nancypritchard7575]

Thank you for guiding me toward financial freedom, Dave! Debt free as of July 20🎉f🇺🇸

[@TWDxKILL3R]

Driving a 2003 civic with only 98,000 miles on it...... I’m set for another 200,000 and I’m celebrating my independence looking at that $500 a month being put into my savings and investments!!!!

[@carojames6776]

You are going to LOVE watching them grow grow and grow!!!!

[@nisey088]

Thanks Dave! This month Baby step 3 will be complete!!!! Loving financial freedom.

[@lwrcica5]

Sallie Mae got kicked out of my house yesterday! See ya Edit: Thanks for the support. 19k in 10 months. Computer Science Degree :)

[@dancingformysavior3971]

Erik Polderman same!! 😊👏🏼

[@mikenelson8377]

NICEEE!!!

[@carojames6776]

Sorry, who is Sallie Mae ??

[@ThemeParkTraveler173]

caro james student loan provider

[@ThemeParkTraveler173]

Congrats Man, keep up the good work!

[@alishaschlipp3784]

Dave is awesome!! God bless!! Changing lives!

[@chickenspoonful]

Cheers Dave, I’ve followed your baby steps advice and I’m about to step through the door of debt freedom. 👍🏻👍🏻

[@MyNameIsCorey]

Thx uncle Dave you've impacted and motivated my life more than uncle Sam ever would!

[@tarawalton6778]

I AGREE!😊

[@raulgolfs]

Love these Dave Rants! Can’t wait to kick Sally Mae out of my budget! 🙌🏽

[@EyeAmCoa]

Raul J. Gomez it’s all I’ve ever dreamed of 😁

[@raulgolfs]

Eye Am Coa riiiight! I’ve been in baby step 2 for the longest time. (1 yr and 4 months). Started with paying off $40,000 now down to $30,000!

[@EyeAmCoa]

Raul J. Gomez that’s awesome KEEP GOING!!!

[@TimeLessEntityT0]

@@raulgolfs Good progress. Any chance of paying off your debt faster? Regardless, find a old bill charging you interest and compare that to your newest bill. Interest now should be 20-30% cheaper than it was a year ago.

[@ThemeParkTraveler173]

Raul J. Gomez I see you commenting on a lot of these videos good for you an your 10K down. Keep up the good work! I started in January and I’m 11K down on my debt.

[@familyof4837]

Hey from the 🇬🇧 UK thanks for the advice 👍🏻😊

[@DEBTFREEMIKE769]

Glad this made the rant list. Saving and listening over and over.

[@johnnygarcia9062]

I am just here because I want to improve my english and work in a call center hahaha I consider it is a way to become independent... Thanks Dave, I have learned many things from your program

[@janethockey9070]

Listen to BBC radio

[@Rollbackwalmart]

11k in student debt.. getting a job and paying it off to be free at 30.. then start building from there. I've read all the info and know what to do. It's time to act!

[@FarrFromPerfect]

Keep at it. I was $80K student debt at 23. Kept paying it. Went back and did my MBA. Kept paying it. Was clear of all student debt at 31. All up paid over $110K. Ironically at the same time I bought my first house at 31 because I had managed to save $100K deposit (there was a nuance as to why saving vs paying student debt which is why I did both). I'm now 36 and much better off again. I can't tell you the actual figures. But I can tell you for every dollar you pay off on student loan debt - you get back 10 fold in 10 years, and by my calculation 30+ fold over the span of your life. So imagine you are saving $330,000! Because you really are.

[@carojames6776]

Time to take that Bull by the horns and show him who's Boss. Good luck

[@jessitabonita]

Amen!!! GOD BLESS YOU, SIR!

[@renegarcia6204]

Never again. Awesome. God bless

[@derekmitchell5107]

Awesome constructive commentary. Nicely done, Dave. God bless.😀

[@elmagnificodep]

Going back to college, but I’m only taking 2-3 classes a term to pay cash.

[@dc6088]

That's how I paid for all my schooling since I don't have rich parents or scholarships. Took a little longer since I worked full time while in school, but not even a penny in student loans

[@jeffreybouche3817]

Much love Dave, you're a good guy. Thanks for all the show's!

[@Anonyme67]

About to pay off my car loan Dave thank you

[@kunalsab7805]

5 years ago I had car loans. Credit Card debts. Mortgage....now I just have 17k left on my house and this should be over soon....yes I was dumb too..but this is doable. Good luck players

[@ChrisInvests]

kunal sabharwal that's awesome!!

[@kunalsab7805]

@@ChrisInvests yeah bud it feels good

[@ericks1081]

What would you have not done 5 years ago ?I'm 19

[@kunalsab7805]

Dave ramsey show loved my comment jeez how great it that. I really wanna talk to Mr. Dave Ramsey and share my story but I'm not in the USA.

[@kunalsab7805]

@@ericks1081 don't get a credit card. Buy a used car. Save up enough to buy a car that you want...get a career and build wealth and offcourse please do what Dave Ramsey is saying believe me

[@kevinb8881]

That's right, Dave, you tell them, change is good!!!😁

[@CreativeMonsterx]

This is such great advice! Happy Independence Day!

[@Waterbender72]

One of the most needed rants to date

[@Gonzomedic1]

Happy Independence Day Dave and family! God bless and thank you!

[@phantomtized]

You taught me to make better choices

[@IamtheGL]

Tio Dave dropping wisdom

[@mrspaudenosta4525]

Credit card fully paid off in 6 months. Two more loans to go in about 10 months. 🙏😊

[@Spaceysgurl]

Car makes a noise or acts up? Me: Instant FREAK OUT!

[@hefniehawkins1564]

awesome 'backhand' rant Dave, have a Great Independence day... cheers

[@AutoMotoCha9L]

I am independent from debt thanks to Dave

[@DanielIles]

*More information and a perspective different than the perspective that got you into trouble is all you need!*

[@ronwhiteleo3352]

GO DAVE GO!!!! your plan as worked for me...

[@fuse911]

Dave really out here changing lives and giving the tips and trick

[@rem145]

Terrible roofing contractor poked fun of fact I want to pay cash for my roof and gave bid 3x the fair value after showing me a motorcycle and a car he had. No plan for how he would build the roof! I don’t even know if it gets subcontracted and if it’s insured and bonded etc. How can this happen? He probably is broke too, by poking fun of the financing situation

[@joshuawebb3337]

Like ecclesiastes says "there is nothing new under the sun"... might as well copy what works

[@wwtjoygbths6206]

Joshua Webb Amen.🙏

[@billpage5900]

Really long muskets, excellent aim, and funding from France

[@BooThing14]

I love that he quotes scripture. GOD help us all...were slaves of our creditors

[@wwtjoygbths6206]

OK. I am an Issue.🙋 I admit it. I Have A Crush On Dave.😘

[@jasoncooper8655]

Happy Independence Day, everyone! Have a safe celebration, from your local volunteer EMTs and other uniformed emergency servicemembers who chose to work on the holiday to help those in need.

[@Je.rone_]

Financial independence Day on Oct 28! Why oct 28? No reason😳 It's my birthday🐹

[@HomeCentsWithNell]

Good plan!

[@Je.rone_]

@@HomeCentsWithNell thanks 😀

[@jasonbrussmn]

Haha since God was a boy :) You make me chuckle Dave!

[@bgibson5517]

""have your own independence day" decide, react wisely and wave the flag...

[@havuckofp]

Master... Mastercard

[@bee3027]

Pretty amazing!!!!

[@BluePenguin835]

I paid off my mortgage yesterday. I'm mortgage free at 37! I'm a Dave kind of weird!

[@mildsriracha9630]

Looking forward to finishing baby step 2 in 6 months 😁

[@redbullwiseman4805]

I've been paying late fees in my twenties like crazy now no more late fees cuz I got $10,000 in the bank

[@the.saintriot]

A 2019 (or 2018) new Ford Raptor transmission went out? Time for a Tundra, Dave. Thanks for all you do in the service of Him.

[@Ptricks206]

Quick question: What’s best for my 6 months old daughter, start a Roth IRA or a CD? She will have when she’s 18 yrs old and can do whatever she wants. Thanks Dave!

[@granitemoss1451]

I am 99% sure you cannot start an IRA of either kind for her until she has reportable income. Check that with a tax professional, but I am pretty confident that is true.

[@andreakae4211]

What about a 529 and a CD ladder?

[@yamamancha]

I love a business that profits from doing good, then uses a portion of that profit to do more good!

[@jaymacdonnell4730]

Dropping loads!

[@AK-47ISTHEWAY]

Yes it is time for our independence so don't buy actively managed mutual funds that charge a sales load! Go with no load low-cost index funds!

[@garrettlundy3959]

Honestly doing either is putting yourself head & shoulders above doing nothing. How many old people say “I wish I did more when I was younger”. ETF vs MF is splitting hairs, just get investing

[@jdb2002]

I started investing 15% in my work's Roth 401k. Just waiting to see what the compound interest will give me.

[@WellVersed]

"Best Practices."

[@ericcostantino6509]

Step by step!

[@CheesyKrafts]

God gave us free will. Some brave souls died and fought for our freedom, some still are and some people rather be slaves to debt. No Ma’am/Sir not me.. currently working on baby step 3.

[@hopelessdecoy]

I'm a software developer for Chase, I AM one of those morons :( but I will be out of debt on your plan by 2021 :)

[@PeterTvonK]

Ok I am not buying a Raptor after this :D

[@kasken719]

Me neither. Uncle Dave wouldn't approve.

[@Exxon300]

I’m 55 is it too late for me?

[@lezleyng6701]

Yes....and no..

[@ChrisMFlorida]

Jerry you're awesome

[@carojames6776]

NO ITS NOT. Its NEVER too late.

[@nancypritchard7575]

No! Follow the baby steps. You can do it!

[@jdb2002]

No, it's never too late. Doing something is better than doing nothing, and you'll be in a better position financially.

[@joeplem5329]

So glad I don't give two you know what's about my social status, be weird!!!!

[@kasken719]

BE WEIRD! 🙃

[@saturdaycity]

I had cash to buy certain 4k electronics but chose the 0% option for two years. The cash left is emergency fund now.

[@1jw298]

I just spent my whole paycheck at the casino.....I’ve got rent due in a week, utilities due .........and a breaf mint for dinner......now I feel a herpe growing on my lip!!! Life’s rough!!

[@FarrFromPerfect]

Fold a cardboard box into a triangular design, put polystyrene foam on the inside of it. Now you don't have to worry about rent and utilities. Dinner will be soup at the local kitchen. Paycheck? Move to CA.

[@1jw298]

I’m no bottle rocket scientist but I don’t think that’ll fix my herpe....

[@jeremyjeremy8795]

That excellent aim was assisted by the Germans who taught us how to better rifle a barrel, it helped they they also hated the British as much as us

[@pfeiffdog0811]

What if the financial advice the broke person is giving is the Dave Ramsey baby steps?

[@sadmanx005]

I have 0 debt can someone tell me how to make 300k in 4 years with no job at 22

[@janethockey9070]

SaD MaN What is advice?

[@anthonykence9954]

Dave has conformed to live his life with no hair .does he have to be bald no that is what he chooses.

[@Exxon300]

Truth, they do have hair transplants available.

[@wwtjoygbths6206]

Anthony Kence Dave's looks rather fetching to me.🙋😍

[@lefrogie291]

I got rid of my Mastercard and got a Visa Card.

[@tinal3269]

💙

[@AnthonySmith-tz3kh]

Not everyone was free Dave

[@kasken719]

Since 1776 they have...

[@jeevacation]

Ramsey, why do you say that we should use a debit card instead of a credit card? If your debit card gets stolen then its really hard to cancel the transactions the thief made. However, if your credit card gets stolen it's not that hard to cancel the transactions. So, why do you say that we should use a debit card instead of a credit card? And if you didn't say that debit cards are better than credit cards then I'm really sorry I am a new subscriber. If the latter is true then I want to know what you feel about which is better, credit cards or debit cards.

[@ChrisMFlorida]

He has videos on this

[@jdb2002]

Debit cards have the same protection as credit cards nowadays. The card companies are just good at covering that up, since they would rather have you go into debt.

[@jeevacation]

Josh B Oh okay thanks

[@redbullwiseman4805]

God was a boy......wow