Millionaires in Cars Getting Coffee with Dave Ramsey

On today’s show, Dave Ramsey is joining me in the Tesla for an amazing conversation about life, money and what he’s doing with his millions in 2024.
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George Kamel is a personal finance expert and co-host of The Ramsey Show. Following Ramsey’s proven money plan, George went from negative net worth to a millionaire in under 10 years. His goal is to help people spend less, save more, and avoid money traps so they can live a life with more margin, options and freedom.
This channel will simplify complex money topics, bust money myths with actual facts, and debunk the stupid financial advice you're seeing in your social media feed. All with a healthy dose of pop culture, humor, and snark.

[@mirla838]

I started Dave Ramsey's baby steps in sept 2016 with $124k, became debt free in jan 2021 and have been debt free for 3 yrs now. Completed step 3 last year, while doing what I love, traveling! using cash and with Kids! and have been doing baby step 4 5 and 6. Thank you Dave, you have changed my family tree forever! We all appreciate all your work and your teachings!

[@Madterchiseflover]

Now just pass these lessons on to your kids and maybe one of them will make some generational wealth

[@edjohn4590]

How did you stay consistent?? I’ve been paying off debt for 2 years now and still have $27k to go but I feel burnt out and like I am never going to get there..

[@Arazhul12]

​@@edjohn4590 give yourself some grace. After 2 years you deserve a treat. Whatever it is for you: a vacation, a concert, etc. I found it helpful to break up the sum into new "babysteps" or rather another snowball system : pay of 2000, then 5000,then 7000, then the rest?

[@mirla838]

@edjohn4590 I just kept looking at how much interest I was giving away for FREE to the banks. I would review the statements, and it would SERIOUSLY piss me off 😠 😡. Another example. While I was paying off my car loan, I kept laughing when BOA would say, "no payment due until (2 years later). Basically trying to entice me to slow down on making such high payments. ( Min payment $199, but I was making $1k payments.) Print out your goal (for example, be debt free) and place it next to your budget area. PUT AS MUCH MONEY AS POSSIBLE TO YOUR DEBT!!! Smallest to largest like the snowball. You got this!!

[@TJMoolTricia]

aw, I get it, very normal to feel burnt when you’re almost at the end. I think having a goal helped me, people who can support me. Give yourself some grace, enjoy a hike, a coffee, and keep going; you will never regret it. Be well!

[@ogbsquared]

After thinking I was generous, I noticed I was barely tithing to my local church. My income has grown greatly in the last couple of years, but my generosity did not scale with it. This year, I want to give away $10,000 outside of my tithe.

[@Elizabethgreen779]

GEORGE IS AMAZING. “HOW I CREATE WEALTH”

[@Elizabethgreen779]

The first step to creating wealth is figuring out your goaIs and risk toIerance - either on your own or with the heIp of a financiaI coach, and foIIowing through with an inteIIigent pIan, you will gain financiaI growth over the years and enjoy the benefits of managing your money.

[@Elizabethgreen779]

I am fortunate I made productive decisions that changed my finances (accumuIated over 1M in 2years) through my financiaI coach. Got my 2nd house in Feb, and hoping to retire soon. Give this a try and attain weaIth.

[@Elizabethgreen779]

I am fortunate I made productive decisions that changed my finances through my financiaI coach. Got my 2nd house in Feb, and hoping to retire soon. Give this a try and attain weaIth.

[@Elizabethgreen779]

researvh the name, lf you care

[@Elizabethgreen779]

REBECCA MARTIN WATSON

[@bakersdozen8016]

Lost my husband this last year, and thanks to living debt free, the grieving process was just that, me grieving and not having to worry about finances. This year, I want to focus on giving generously and investing!

[@dlinsk401]

I’m sorry for your loss 💔

[@PrettyPerfect-qm4xg]

Wishing you healing❤

[@suec.6754]

This comment speaks volumes. ❤ Prayers for your grieving heart, that you have been able to find some kind of comfort in the memories of your dear husband. 🙏

[@sethkearl8056]

What a real heart-ful response. Thank you and sorry to hear of the passing.

[@davidsalcedo9676]

You guys have changed my life. 10 years I was 400k in debt. Now I'm 600k positive and creating a legacy for my children. My kids have learned from my mistakes. Thank you, so much. 👏🏻👏🏻❤️ IT

[@pamelaburleson2063]

That's impressive. WOW!

[@guapo1040]

That a change in net worth of $1M. That's incredible!

[@pollyrose8451]

My husband and I have a money goal for 2024 to pay off $30K debt….🙏🏻

[@danieljohnson4418]

Don't do it. You'll regret it.

[@samuelpayne9724]

You can do it! My wife and I finished off 31,500$ last year! You’ve got this! LETS GOOOOOO!

[@joysilas4724]

You can do it! We got out of 85k last year!

[@HOLDXSTEEL]

If your income isn’t enough like most Americans it won’t happen

[@omni1562]

​@@HOLDXSTEEL debt takes away from your income, that's why you need to pay them asap

[@rebeccaashley2398]

Just turned 40. Married with 3 young kids. On step 2. Just paid off 1 debt last week and snowballing it onto debt #2. Goal to pay down $15000 of debt this year.

[@jaykay5337]

You got this Rebecca

[@marilynhollingsworth7264]

I am probably not your typical viewer. I am financially secure but certainly not rich. My goal for 2024 is not for myself, but for my son, to teach him financial peace, personal peace and the peace of faith. If I can do that, 2024 will be the best year of my life.

[@angelwings1]

This is the only one if the millionaires in cars video that I’ve wanted to click on! Yeah, Dave! Get Sharon on here too :)

[@tonii2019]

Yes 👏

[@aliciaz4682]

SHARON!!!!

[@RoyalMasterpiece]

And Rachel. ❤

[@seagirl1100]

I agree Sharon’s Video in a car.

[@stephanieruth4118]

Love this! Single mom here…Money goals for 2024…to save a $1000 emergency fund and pay off $7000 student loans and move from a one bedroom to a two bedroom apartment. Let’s go!!!!!!

[@jsolo890]

Good luck!

[@arthrodea]

I’m sure you will crush it this year!

[@allisonmodaff5635]

You can do it!!!

[@stephanieruth4118]

Thank you! You are all so encouraging. 🥰

[@ryannparker477]

From one SM to another - you’ve got this!! Good luck and stay focused :)

[@alibabysunshine]

Dave is so sweet behind the scenes! Love the George & Dave companionship. Dave is an all star, and George is honoring his legacy every step of the way

[@jenb25]

The more I learn about Dave the more respect I have for him. He's really such a genuine guy. It's really what you see is what you get.

[@roseanncorbin4245]

We've been on baby step 7 for 3 years. My financial goal this year is to create a legacy box so that in the event something happens to me, my daughter will have all my financial information organized and accessible in one place. This was a great episode, George. Well done.

[@laurenroush4196]

This is an AMAZING goal!! It makes it so much harder when they have to try and find everything and sort it out, and takes away from time they should be grieving. My cousin is still going through this from my uncle's death two years ago. This will be such a blessing for your daughter!

[@Anonyme67]

Great job👌🏾👌🏾.

[@Anonyme67]

I never heard about a legacy box. I googled it but couldn’t find anything. Can you please tell me more about it? Tks

[@MsSimpleMovies]

Very good planning, Mama. I'm doing a binder with this all. We've got our notarized wills, we've got burial plots we've been saving for that we're buying next month, God willing, and I'm putting together a "do this after I die" binder and including copies of ids, passports, insurance cards, bank accounts, SSN/SIN. A to do list will be in there : things to cancel, money to claim, taxes to be sure to pay, release letter from the IRS/CRA, a reminder to get several death certificates and medical release (? I forget what it's called). I'm supplying paperwork I can now, and putting pockets in the binder in there for the different docs they'll need to get + steps to take, contacts they'll need.

[@roseanncorbin4245]

@@Anonyme67 Legacy box is a term Dave uses in his FPU class to describe a single location where you keep all your financial and legal information so that your family has easy access to it in the event something happens to you. My plan is to use a fireproof waterproof box.

[@cissyfox120869]

Hi George and Dave!!! My goals for 2024 is to keep on my path. I'm a 54 year old widow. I'm 100% debt free and about to send my last child to college debt free!!! Thank you so much...without your advice, I would never have been able to do this!

[@everardocalderon8720]

This is the first time in my life that I see a window typing English😱

[@Ethiodawg]

I will forever be thankful for Dave Ramsey. His plan completely changed the way I handle my finances. Thank you Dave!

[@HelloooThere]

YOU MUSTBE REPUBLICAN

[@xavier_lucas]

It’s hard to nail down specific predictions for the housing market is because it’s not yet clear how quickly or how much the Federal Reserve can bring down inflation and borrowing costs without tanking buyer demand for everything from homes to cars.

[@Jennapeters144]

A lot of folks have been going on about the bull rally and said stocks that would be experiencing significant growth, any idea which stocks this may be? I just sold my home in the Boca Grande area and I’m looking to remunerate a lump sum into the stock market before stocks rebound, is this a good time to buy or no?

[@EmmaFritz90]

Such market uncertainties are the reason I don’t base my market judgements and decisions on rumours and here-says, got the best of me 2020 and had me holding worthless position in the market, I had to revamp my entire portfolio through the aid of a planner, before I started seeing any significant results happens in my portfolio, been using the same advisor and I’ve scaled up 750k within 2 years, whether a bullish or down market, both makes for good profit, it all depends on where you’re looking.

[@AnkurYo]

True, we’re only just an information away from amassing wealth, I’ve been looking into similar opportunities in this present market, could this coach that guides yo help?

[@EmmaFritz90]

Doing your research will save you a lot of hassle. Monica Mary Strigle is her name and she is licensed.

[@AnkurYo]

Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.

[@sheltonvideography1748]

My wife and I are in our early 30s. Thank you for all of your videos and inspiring us to change our idiotic money habits. We’re attacking our $27,000 worth of debt in 2024 and should be out and working on our emergency fund by the end of the year! Again thank y’all for everything!

[@deankaufman825]

After retiring at 50, we spent too recklessly for years. Now at 77 we are in a tight spot. Our goal now is to rebuild and be able to live free from money worries. It may take several years. Thank you Dave and George for inspiring us to believe it is possible. My wife and I are all in on this.

[@ClaxtonBay123]

Several years from 77? I think you need to give Dave a call

[@jollama]

Lol it’s over for you

[@letsbefreeletsbefree7183]

Come on your 77 just cruise the rest of your life not worth grinding the probably last years.

[@jollama]

@@letsbefreeletsbefree7183 Cruise in the negatives

[@firedevin1525]

At 77 you're in a tight spot and you're saying you're going to rebuild in roughly 7 years then live the rest of your days free from money worries? You do realize you'll be 84 years old? How much time do you actually think you have left in life?

[@kathyaakananabluebird]

We are already debt free. My goal is to be more generous. Thanks for all you both do.

[@berbabrinkley2206]

I wish you would consider running for president! This is what America needs!, a Dave Ramsey, and all of his ideas!

[@ig5564]

Started Dave Ramsey’s 2 months ago, and so thankful to all of you! Our goal this year is to get a habit of leaving on a budget and put an extra $50k on our mortgage. This will be huge because we always lived paycheck to paycheck.

[@bradyglessner]

The one we've all wanted 😁

[@kerrilehnert153]

So grateful for Dave Ramsey, Ramsey Solutions, and all of the Ramsey personalities (Hi George!) that have changed my life. Did a full 180 degree turn on my perception of money 12 years ago and I swear it saved my marriage and accelerated our status to Everyday Millionaires. I will never go back...our family tree is changed forever! Thanks, guys!

[@maxinepapaconstantinou5527]

I will be debt free in 2024 with lots of peace included!

[@Cheryl-gr5ke]

My 2024 money goal is to re-enter the workforce after being a SAHM for the last 14 years! I want to help my husband by contributing to make our dream a reality as we build a cozy home to grow old in completely debt free including a paid off home. Thank you for the awesome ministry you are providing to all generations!!

[@RustyZipper]

Take every penny and put towards your principal payment. Quite literally Do not even spend a dollar from your check. It’s so easy to just “take a little off the top” of your income.

[@aliciaz4682]

What @RustyZipper said!! We have ALWAYS lived on one income, whether we were both working or not. That’s where our downpayment came from. I genuinely did not touch any of my income, it went into a different account and everything. It was a forced savings not “seeing it” in our everyday account. You got this!!!

[@someonenamedtyler]

My money goal is to save $10k and eliminate what's left of my credit cards. It speaks volumes that you guys are able to have conversations with eachother on such a comfortable level. It shows Dave sees you as a co worker and respects you. And it shows that goarge is also a respectful, level headed guy.

[@robedmund9948]

Keep at it!! You GOT this!! My wife and I were there a few years back, but we persevered and did it! And it feels GREAT!! It does get weird when you write those checks to YOUR SAVINGS account, though. Not a bad weird, but still kinda weird.

[@ericaterrones16]

Amazing! Let’s see this with Rachel and Winston and regular folks who became millionaires with the program too!

[@GeorgeKamel]

Rachel was on a recent installment of this series!

[@PaulaVelasquez-ic6ry]

Hi guys, this is a great interview. Loved the barn! Congratulations Dave. What a great life! I am debt free since march 22, 2024 and I am living à very peaceful moment. I am very proud of myself and I already started the $ 1000 émergence fond and it will grow to 6 and 8 months. Thanks for your daily advice. Paula

[@tolohuexochitl3]

Dave is a great example for people from all walks of life. Very encouraging. I’d also like to see you take everyday people who achieved their financial goals out for coffee and have them talk about their experience.

[@ChrisD1865]

It always amazes me how many people speak against Dave’s finance philosophy and completely leave out the “results” part. It’s obviously working…

[@MrJimmy3459]

But ma credit card rewards 2% cash back and $100 annual fee......

[@tcgtpl]

The Ramsey Solutions Program is good for people who are bad with money, but bad for people who are good with money. Those who are good with money would rather have a more optimal plan for better returns. It's like if you're goal is to travel from Maine to Florida, the Ramsey Plan would be to take a bike or walk and they'd speak against driving a car because people get in wrecks all the time and can't be trusted on the roads.

[@ChrisD1865]

@@tcgtpl Thank you for making my point bub lol

[@Anonyme67]

When I started investing in real estate, I tried to follow different strategies for different guru. But Dave way works best for me.

[@AccordingtoNicole]

Dave Ramsey is like financial kindergarten. Most North Americans are in pre-k financially. Some of us graduate.

[@pamp212]

Hi George and Dave!! Dave came and spoke to my church (Willow Creek in So. Barrington, IL) about debt and financial peace. While we only had a mortgage at the time as we had learned the hard way in years previous, of being over our heads in CC debt/car loans, etc. but we still spent to our income. Talk about a mind shift after doing Financial Peace University! We were so convicted, we gifted our daughter and son-in-law to take the course. Here we are about 15ish years later, completely financially independent, debt free including the house, I was able to retire, and, of course, know where every dollar goes!.

[@christinehopping5040]

I am single income living on a clerk salary in California. I have been on BS 7 for several years, because my goal has always been about financial peace. Dave and George's testimony has always resonated with me. I never worry about money living this way.

[@genglandoh]

Dave said he enjoys helping people with their finances and that is why he is still working. I think in Retirement if you decide to volunteer for something pick something you enjoy doing. I will be volunteering at the Cleveland mission helping people who had a run in with the law get back on their feet. My last volunteer project was 5 years with the big brother little brother program helping a young boy thru the foster program to getting adopted. Dave and the Ramsey team thank you for making a difference in people's lives.

[@hannahjohnson7079]

Thanks Dave and George! We’ve always believed in living within our means and never got into consumer debt - except for cars, which we’d buy and then pay off early. I also “budgeted” by tracking where our money went more than telling it what to do. Well, after years of being what we believed was more or less Ramsey adjacent, I got tired of us not having the savings and not being able to pay for a car in cash, and we’re jumping on the real Ramsey plan and doing the baby steps for the first time in 2024. I’m using EveryDollar, manually recording every purchase, and the goal this year is to knock out baby steps 2 and 3 this year: pay off my husband’s truck in the first half of the year and have a 6 month emergency fund in the second half of the year. We’ve caught the vision. Thanks for all you do and being yourselves while you do it. Love the Christian integrity of the Ramsey team.

[@MNSkolGirl]

I love the Millionaires in Cars segment. I like the casual, laid back conversations.

[@lydiah7184]

My goal for 2024 is to become debt free and we're almost there! We have $6500 left in my husbands student loans and then we're done (besides mortgage). I predict in the next 3-4 months we'll have that paid off. The way we finally managed to pay off our debt was starting a small business and working our butts off. It's been an insane blessing!

[@LainieCea-jj6ds]

I love love love the coffee in cars chats. Keep these videos coming. All the guest you have had are just wonderful.

[@deb9806]

This was the first I saw, I have to check the others. I loved the original show with this concept too

[@Kgirl691]

My financial goal for 2024 is to pay off my medical debts. I enjoyed this episode so much!

[@RustyZipper]

Fun fact: for Christmas a few years back Dave bought up a couple mil $ in random people’s medical debt. He spent $300k and let his staff call 10 people each to tell them that debt was paid off. Point is you may be able to settle for less than 10% of your medical debt 🤷‍♂️

[@pathgirl4250]

Awesome episode! Loved the behind scenes Dave! My goal for 2024 is to pay down as much of my $110k divorce debt as possible to head toward a better future. I'm already down $65k in 3 1/2 years (WOOHOO!!) but I'm also doing it as a single mom, the parent of a special needs teen, and someone who is also permanently partially disabled with a chronic illness that limits my work schedule. No pressure right?! Did I mention I'm also trying to work on a non-anxious life?! Your podcasts and KZbin shows are my LIFELINE for keeping me going at this crazy goal! Would LOVE to win that book! Thanks guys!

[@joannalissalbert]

I loved seeing Dave in a more casual environment with someone else in the video’s driver’s seat… figurative and literal! One financial 2024 goal is to get our mortgage down to $150,000.

[@NurseRowee]

Our household goal this year is to be able to give more food to children back in the Philippines. We were unable to give last year due to my brother's medical emergency and his passing. :( Intentional giving is one thing that I learned from uncle Dave, thanks uncle Dave! :) SO we put aside portion of our income like a sinking fund then come end of the year our family would work together to buy food for the children in grade school plus the teachers. We include techers because we appreciate the teacher's service. Love it!

[@latebloomerrunner]

I love Dave Ramsey and George Kamel 😊 Gonna rock 2024 with generosity!!!

[@coachingwithdearthie4961]

Thank you for getting Dave in the Tesla. This was a great segment!! ❤

[@markamark123]

Because of DR and GK and determination, I've paid off all debt (mortgage left), built an emergency fund, maxed out 401k, HSA and some cash in an HYSA. I have 140k left on a mortgage that I plan to pay off in September 2024. If all goes as planned, I'll have the house paid off in 7 years out of 30 with a 4% rate. I also ordered the prison orange book. Lets go.

[@Likatu2440]

This was a great episode. Yes we can’t get enough of Dave we love him and his team and all that you do. Thank you!

[@peace-a]

Currently on BS 4&6. My goal is to save for a used car to buy in late 2025 and send bigger chunks towards the principal of our house 😊. Thanks Dave and George. You guys are awesome. Love the barn ❤

[@meganvangundy7388]

George, I think seeing more everyday millionaires on this show is a fantastic idea. Also, my financial goal for 2024 is to have $10K of $30K saved for a down payment on a home. I’m just now starting to save for a down payment so it will take about three years. I’m staying on BS4 instead of going to BS3 b because I put retirement on hold for too long. So it’s a slower process, but I want to do it the right way.

[@moneymattersforeverybody]

The barn is beautiful! Great episode guys. Our $ goals for 2024 is to pay off half of our house. We are baby step millionaires because of y'all :). TY!

[@user-gh4kn3li2e]

I am completely out of debt looking to give more than I need so others can live better.😊

[@raquelfigueroa]

Thank you George for allowing us to see all the behind the scenes 🎉 COOLEST Thing ever

[@katyedwards3935]

He should do a series where he shows us behind the scenes of all things they do. They own a ton of buildings and I think it would be cool to see inside them.😊

[@Lizard_Lava]

22, Married, my wife and I are on baby step 4 investing 15%. Our money goals for 2024 is to finish my private pilots training and to start saving for a down payment for a house!

[@debbie12346]

Love this!!! Definitely like the more casual atmosphere as well

[@victoriadodson2835]

I just discovered your show at the new year, and already love it! My husband and I are working on baby step 2, with about $9000 of credit card debt. We will complete that by the end of May, and hope to have a fully funded 3-month emergency fund by the end of the year. Speaking from someone fluent in Snark, I appreciate the way you message your advice and am very much enjoying binge watching your videos. Thanks for everything you're doing and good luck on the book launch!

[@jamessalas2336]

This was very entertaining, Dave hit it on the head, George is snarky (this is why I watch him so much)! My 2024 goal is to finally be debt free! I should hit the mark in August. We have a challenge at work of who can get free first. I started the year cutting up and cancelling my credit cards (thanks Dave). I have a great budget I'm sticking to for the next 45 years (thanks Racheal). I drive a used hooptie like George (2013 Grey Tesla Model S), not wasting our income on foolish purchases, and planning for my legacy. I will execute Steps 3,4,5 this year. Step 5 is for my granddaughter, I already paid for daughters' education with cash and taught her the Baby steps too! Endless thanks-James

[@user-ni2fi6qz1y]

GEORGE my money goals for 2024 are to finish Baby Step 2 and 3. we will see you in may at the Dave Ramsey weekend! CANNOT WAIT

[@anitaaltmaier3687]

I first heard Dave Ramsey in 2009 and been trying to be debt free! This year 2024 is a fresh start and 18-24 months I will finally get to yell debt free!!!

[@cutenobi]

That’s awesome.

[@JessicaDoesNotCare]

My goal this year is to increase my (negative) net worth by at least $30k. So far I've sold my car and saved a bunch and I already increased it by $20k so not much more to go! The only debt I have is student loans now and those are on track to be paid off by next year. From there, I want to save at least 50% of my income to retire early! This channel really helps keep me motivated 🙏🏻

[@mish4181]

Hi George and Dave, love the show and the team. My 2024 goals are to grow my wealth. I am currently debt free and loving life. Thanks for all the inspiration. I have been working with my daughter on her budgeting, she pays cash for everything and at 25 has no debt. : )

[@jakobridenour3031]

Pay off date and saving the emergency fund! 2024 is our year! Great vid George

[@lisatrout5810]

21:10 I have read and heard the verse, "the borrower is slave to the lender" multiple times. And since I started listening to Ramsey Solutions, this is the 3rd time I've heard Dave say it. And it's really sinking in. Frustrated, but very encouraged. Tired, but done being a slave. It will be hard, but I will be debt free

[@lisatrout5810]

@prayingfish

[@vondagrant2082]

My husband and I are currently debt free. Our goal is to continue to save and prepare for our retirement. Love the Ramsey family and all of the hosts. Great people with great advise!

[@andrewcapili]

The goal I have for my family in 2024 is to pay off both cars (my lowest debts) and hopefully pay off 1 more student loan. My wife and I are inching are way closer to paying off all the debt each day.

[@CYCO1631]

Keep on it Andrew!!! My wife and I hit baby steps 4, 5 & 6, maybe a year and a half ago. By income, we're lower middle class... but with no debt, it's amazing what your financial picture can look like each month without sending some creditor 20% of your check in car payments & student loans.

[@patriciavaughn4185]

This Boomer has been watching you since you started as the man in the streets. I love seeing how your career is flourishing.

[@jpieters9888]

Great show! We love Dave and all of you guys. Just paid off our last loan and we are debt-free for the first time in forever, it seems. Thanks be to God! Life has a special relish to it right now, and we’re actually excited about the future. Thank you for providing the inspiration, counsel, and encouragement to get us to this point. God bless you!

[@JMcIntyre417]

Loved the episode, George & Dave. Thank you for all of the FREE information you all give away. My dad always said "knowledge is something no one can take away from you." You all give away so much knowledge every day. THANK YOU! My wife and my financial goes this year; be weird people and pay off the mortgage. We're a couple months away and then we'll be down later this year to do our debt free scream and shake your hands.

[@danmartin9363]

Nice to go Dave. Thank you for imparting to us your passion on how to handle wealthy properly and stay off of debt.

[@momletev]

In 2023, one word became significant to me. In my Bible Study of Philippians, it became evident that dispite whatever life brings to you, God brings contentment. Whether in plenty or in want, in easy times, or in difficult times, because God promised life for us, life more abundant than we could ever conceive...we really can be content. And what I've always heard from Dave Ramsey, and all of his Ramsey personalitites is that same encouragement of his program leading to "contentment". And hearing Dave reiterate that sense of contentment doesn't come from his millions, but from helping others work their way up to that same level of contentment. But it's not based on chasing after more money, but realistic understanding that if you do want to help others, you really do "have to put on your own oxygen mask first" before you can help others. And then, we'll help you understand how your can achieve your own contentment and see how much fun it is to help others as well.

[@ryanclark2277]

My money goal is to get my kids understanding their money goals and be able to sit back and watch them work towards their goals because they realize how important it is

[@susanneb5634]

My goal for 2024 is to spend less than I make, invest extra side hustle dollars and to live fully, feeling blessed for what I have. Thank you for the great show George and for all the wisdom and snark you bring to financial education!

[@andrewkisner15]

Thank you for everything you’ve done Dave.

[@marionexley607]

I absolutely loved this episode with Dave just chatting about his life. Thank you soooo much for everything you do.

[@IraDuncan]

Amazing video, Dave and George. Thank you for taking the time to make it. My wife and I have a money goal where we'd love to be in a position that if someone needed it, we could buy them a car. We're teaching our nephews how to invest, and we're car shopping again. We make it clear every time we meet a rep, we're not financing. If we don't end up buying a car at the price we're willing to pay, so be it. God has blessed us well, and we're grateful that each day we get to look for ways to be generous.

[@ahurford]

Our goal this year is to pay off the house. We've been making a push to pay it off the last few years when we started watching the Ramsey show. Thanks for all you guys do!

[@RustyZipper]

Be careful because once you stop paying a mortgage… you never want to borrow money again….

[@B3autifulm0nster]

Hi Dave and George, coming from a school system or parents where financial education is not a thing, I think I’m doing great at 34 with family. I have acquired three lotes/lands over the past 2 years, debt free and our plan this year is continue learning, reading more about financial literacy and grow our savings for more opportunities in the future. Thanks!

[@mixalistatunias6039]

Hello, i am 24 years old debt free and my financial goal for this year is to stick to the budget i have planned and start investing a healthy chunk of this money

[@beckykip4905]

We did fpu years ago and are debt free through a master degree and 4 kids. Mortgage free too. Goals for 2024 are to save up for a down payment on a bigger house!

[@janedeuber1596]

So sweet! Dave you are a mentor to so many of us. My dad has passed and he too was a self made millionaire. Listening to you makes me feel like I am tapping into his wisdom and sound advice. Blessing to you and your family! 🙏🏻

[@racheleschmidt]

Your story inspires to become a millionaire by the time I’m 40! You make learning about finances fun!! Thank you so much! Wishing you lots of success with your new book!! Big goal for 2024 is to finish paying off $40,000 worth of student loans and hoping to do this before my husband and I start our family. It’s important for us to be debt free of consumer debt so we can work on paying off our house early! 🎉

[@Anonyme67]

You will make it! I turned 40 last just and I am a millionaire 👌🏾👌🏾.

[@racheleschmidt]

@@Anonyme67 Thank you for the encouragement and big congratulations!! 🎉🎊

[@homestudioacademy]

The video editor needs a raise! In all of George's videos, the B roll is hilarious.

[@deboneill5284]

My husband and I are currently debt-free. We are continuing to stash them away money into our retirement accounts so we can freely retire at age 65 as that’s been our long time goal and dream. Thank you so much for all your inspiration. I listen to the Dave Ramsey show daily and love your new podcast you do every Thursday with Rachel. Keep up the awesome work.

[@danielw3014]

the truck yeah moment had me rolling LOL

[@McWrisk]

Rolling coal…? Haha😂

[@danielw3014]

exactly LOL@@McWrisk

[@SuperBetty00]

Thank you George I enjoyed it. I’m following the Ramsey way for 4 months and going strong thank you Dave for your wisdom and all the good information you give us. I listen everyday and learn. I promised my family I will one day get on your debt free scream stage 🎉I’m so excited. And lastly since I’ve been doing the Ramsey steps I HAVE PAID OFF MY IRS DEBT $5000.00 omg it was a huge brick in my backpack since 2017. 🎉🎉thank you thank you

[@beckykip4905]

Good for you!

[@miamitchell2565]

Hi Dave and George! My financial goal for 2024 is to save 10,000 dollars towards my upcoming retirement in 2027. Thanks for all you do for us! One of my future career goals is to come to work for Ramsey Solutions after I retire from teaching. Love the culture of your organization!! ❤😊

[@BudgetwithAandA]

My 2024 goal is work on getting through my divorce, paying down my debt & making a legacy box for my daughter. Also trying to convince my daughter to use no credit cards & name every dollar. Love The Ramsey Show! Dave, you have an amazing team.

[@OpalEyeRye]

Fairly new to watching and listening to all Ramsay and the other personalities and perspectives on the show. Unlike many people we know my husband and I hate the idea of debt! It's just that extra thing on your mind or looming over your shoulder. We are on baby step 2 working on paying off our car and little credit card... We should be free of our debt moderately cutting back our expenses in 10 months! Then we will attack the mortgage! I would love to read this book! Hoping everyone has a healthy & productive 2024! 🎉

[@504YaHeard]

This was a great episode! I love watching you and Dave. My goal for this year is to start more intentional giving.

[@michelarosier1918]

My goal for this year 2024. It's to finished my Bachelor Degree Program, I'm going to be Dedt Free, and continue with baby steps 3,4,5, 6 saving money to become a homeowner, 7 as well continue on my path to accomplish and complete. 🙏🏼🙏🏼🙏🏼

[@janhatcher6991]

I have just started watching you the last couple of weeks binge watching daily and I just love you guys all of you. I enjoyed this so very much. Love that barn!

[@solacemusic242]

Back in 2008, we all got to see how leverage (borrowing) and living beyond our means caused a major economic stink. Not much time after that, people just went back to their bad financial ways. So thankful to Dave and now the rest of the team taking up the gauntlet of financial responsibility. Not only is it important for our own personal peace and spiritual financial character, but it impacts the world our kids will live in. Thank you all for what you do!

[@user-ni7zc4my9b]

Thank you! Dave and George for all your great information. My dad taught me very little about finance I’ve been watching your videos for a year now, and it changed my way of thinking about money. I really like the way you guys quote scriptures about money. My goal is to be more generous this year. God bless you and your family 👏

[@user-pz8ii6ce4k]

What a huge blessing for your mentor to join you :) Dave is so down to earth, love him. And George - you are doing an outstanding job with your snark and education mix… great combo!

[@user-nl9gw5mu6w]

Baby Step 7 here!! Been on Dave’s plan for over 20 years. Now our adult children are following the plan. Definitely generational changes!

[@peytonsimien4043]

I use to a be a huge credit card person, a huge borrower on cars and business ideas. For 2024, all I want is a clean slate. Once I got that 800 credit score, I felt nothing. I was still staring down debt that was more than my annual income. I started listening to George Kamel before I even knew Dave Ramsey. I’m not even a reader but I truly just want to be debt free.

[@walkidiafuentes7021]

I follow Dave since September 2021, and been on baby step 7 since April 2022. All I can say what Dave teaches work and has made my life easier. Thank you Dave, thanks for what you do to help others live a life worth living. Greetings from Honduras 🇭🇳

[@StuGo1013]

Our goal for 2024 is be more generous, continue to pay off our mortgage and hopefully become instructors for Financial Peace University. We're working on it!! Thank you for sharing this episode. Dave is for my generation and you George, can relate to our adult children! We're hoping they get on board soon!!

[@Takoda9721]

So wholesome I love it! Thankyou for being the salt and light of the earth

[@sandrachristiansen4666]

Great segment! We loved seeing behind the scenes with Dave. We are in BS 4 & 6 (kids are in college, paid for) and our money goal this year is to save to replace our front steps and research and price out a generator for our home. We are also focused on paying off our house early! $230K left. We want to get it paid off soon to still be able to visit Dave for our debt free scream. So tell him he can’t retire just yet. 😉 We love you, George! Happy New Year.

[@ambivertical]

The Legend.

[@pdiddy2969]

Loved the episode. I always enjoy your content, George!

[@user-ni2fi6qz1y]

i dont ever want to see Graham... but i would LOVE to see Caleb Hammer!!