My Spouse Is A “Math Nerd” And Won’t Listen To Me

[@LisaLisa-in4vw]

STOP THE ADS IN THE MIDDLE OF THE VIDEO!!!!! Whoever has started doing this, please give your head a wobble! You will lose viewers in quick time!!

[@Anniekitty1016]

Look, you're being childish going all caps over an ad on a KZbin video in 2024. But that 'give your head a wobble' bit was funny AF 😂

[@LisaLisa-in4vw]

@Anniekitty1016 54 people agree with the caps. Even in 2024. But I'm so glad I amused you 😜

[@Helibeaver]

The new format with ads sucks. Get rid of them.

[@FWH44]

Ads in the middle of clips are terrible. Long time listener here. I already pay KZbin Premium to avoid them. My stubborn butt will stop clicking on the videos. Anyways who cares about my opinion haha, figured I would give some feedback

[@matthewcgrammer]

My thoughts exactly! 🏆

[@JoeRNNE1]

One reason I enjoy Ramsey's content is that I can watch a video all the way through without being interrupted by a stupid ad. Please reconsider running ads in the middle of videos.

[@Challacade]

The ads in the middle of the video are awful, please cut those out

[@cutehumor]

Dave isn’t dropping a million dollar contract for ads because the peanut gallery doesn’t like it 😂

[@amitchawla5124]

Their revenue is dropping. Economy is bad. They are trying new ways to advertise

[@stevenporter863]

Greed

[@stevenporter863]

​@@cutehumorHe will if it drives viewers away. Circular logic: ads pay so much because of a lot of viewers.

[@b_bogg]

Whoever decided to put ads during a call needs to be reevaluated. It’s not cool and we don’t like it.

[@NaterFernat]

I have KZbin Premium and I HATE advertisments

[@LyricalTampon]

Download ad block. I haven't seen an ad on KZbin in a decade.

[@pursueyourbling]

@@LyricalTampon It’s part of the video, so AdBlock wouldn’t be of any benefit.

[@JesseBeahm]

They don't work for free

[@iddddaduncan]

Dave has a mortgage to pay off.

[@Faneone890]

Please stop the ad reads in the middle of a video. It interrupts the flow.

[@bigcahuna42366]

Dave, you're going to lose viewers. If you do an embedded ad, please do it at the end of the video. I'm paying for KZbin Premium for a reason. Or at least put a "skip ad" button we can push to advance to the next segment of your video.

[@cutehumor]

Dave wants to get more revenue and doesn’t want KZbin to get that ad revenue either people getting premium 😂

[@TheLivingWater-fc7wz]

Yep I’ve stopped watching Chanel’s that I bed the ads.

[@andreanease4215]

All you have to do is minimize the screen and do the 15 second skip ahead as needed.

[@nathanmartin9308]

You pay for premium and still get ads?

[@andreanease4215]

@ I’m on premium and getting these ads they are talking about. So, premium does stop the auto generated ads that people buy but these guys have found a work around to still force an ad. Normally, without premium, it would cut the video and time stamp it and insert a random (or targeted) ad, then go back to the content the channel is putting out. Here, these people are editing their videos and putting their own ads into the video that you watch. So KZbin isn’t cutting the program to switch to an ad- it’s built in. And people are upset because they pay good money to not listen to ads and they are shoving it down our throats with their tactics.

[@Cyberspine]

The delicious irony of Dave peddling debt to his viewers in the middle of the video.

[@XennialGuy]

The ads are greedy. It makes me hate the product being forced on me and I'll never use them because of it.

[@scubadivingadventures1]

Blame Ramsey not the company. But yeah, the ads are annoying

[@wordsaladd]

Get over yourself, triggered by an ad lol.

[@colinquackenbush7642]

Ads are not "greedy." How else are people supposed to get their business or product out there for people to see or hear about?

[@sfappetrupavelandrei]

​@wordsaladd Yes, I'm triggered by an ad. Why do I pay KZbin premium for? So, these people find a different way to force ads on me?

[@EpicFaCe441]

@@colinquackenbush7642he’s not saying advertising in general is greedy. He’s saying the placement of the ad is greedy.

[@NaterFernat]

Don't ever put advertisements in my face like that, I have KZbin Premium, I pay your bills already. 🤬

[@SoUnDMaN831]

Same here!!! I too pay for KZbin premium so I don’t have to watch advertisements and we still have to sit through them. Pisses me off!!

[@michaellaviola3125]

its a 15 sec ad, just fast forward if anything

[@tduck828]

The ads in the middle is TACKY! Thats not the way to advertise. If anything, it sours your opinion of said company and people WONT EVER use that company.

[@F1R3EMBLEM]

Absolutely agree, I'm so disappointed about it, one of the best things about Ramsey was not mid video ads

[@wordsaladd]

They need revenue like everyone else. Got bills to pay!

[@Willtellthetruth]

Ads “are” tacky, not “is” tacky. If the advertising doesn’t work then it will stop eventually. No need to whine about it.

[@tduck828]

@@wordsaladd all the other youtube videos i have watched put them at the end. Right in the middle is tacky.

[@tduck828]

@@Willtellthetruth go away. I am glad YOU are perfect.

[@kristaw2686]

No ads in the middle of a call! I thought I had accidentally switched to a different video!

[@admcdona]

This is the second Ramsey video I've seen with an obnoxious ad interrupting the flow of call. I will be unsubscribing on the third occurrence...

[@mcuembedded]

The ads in the middle are going to drive your viewers away. Just add a banner maybe, don't interrupt the video!

[@thegenxgamerr]

Viewers? You mean the millions and millions they picked up from shorts that don’t seem to come and watch the videos? Come back in a month see how many views this has lol.

[@anibaldamiao]

Agree

[@mdees88]

Or ad it to the end of the video. (Though the advertisers might not allow that).

[@KVW110]

Thank you. Was just starting to watch to see if it would happen again. Long time viewer, and now an unsubscriber.

[@garyzimmerman6316]

​@@KVW110 same

[@phyllisarrington7436]

"thumbs down" because of the ad.

[@pklemm1]

I become a millionaire by delaying paying my house off and investing heavily. DidI defy the logic?

[@Bestfriend-650]

Yes, you need to run numbers again. You will be surprised with the results. Make sure to factor in the ability to invest more after paying off mortgage and interest saved by paying it off early. Over 30 year period, your wealth is very similar and depending upon certain factors, better if you pay off early.

[@johndone8045]

Just dont listen to them,.their way is NOT the only way, and paying off a mortgage at 2.5% instead of investing or all in into stock is simply STUPID Risk on a 2,5% is stupid, there is no risk on a mortgage

[@kennethroyer9949]

If the caller bought a home square footage within his income range and has a 2.5% rate making a rapid pay off makes no sense. They should be investing that money into all of the investments that make sense at this time 12-21-2024. For guys like us who eat and sleep this know that by investing the difference (and we actually do it!) is a winner all the way. However what Dave Ramsey is working off - [Unfortunately he is correct] - is for the vast populous that head knowledge is 20% and emotional driven behavior (80%) used to the greater populous advantage. Example: When I was still working one of our maintenance workers had just paid off his house since it was (I'm now retired) well known to be informative regarding budgeting and investing he wanted to talk to me. Before I ever heard of Dave Ramsey I played to his emotional side for something that was easy to do. My reply was "How bout just increasing your 401k?" Before I could say anything else his reply was "Great Idea" and dashed off HR/Accounting and then moved his 401k from 6% to 15%. Did he run the numbers from mortgage payment gone to how much additional would be coming out of his paycheck for the 401k?? Hell no! Only after 3 months he knew he could put away additional monies I got him use a mutual fund that is a super low cost provider that has 35% stocks (big dividend payers) and 65% bonds. Why so conservative?? This guy doesn't understand the markets so the smoother ride keeps him in the game.

[@mondueo1]

Not a fan of the ad after cold open...play it at the end or beginning.

[@semosancus5506]

I clicked off at that point

[@UncleDavesKitchen]

down vote

[@djpuplex]

It says alot about Ramsey doesn't it.

[@Clover.Indi20]

Yes, please. I didn't appreciate the ad placement

[@mondueo1]

@@djpuplex They are a business to make good money they are not a charity. So no it doesn't say that much.

[@bobbylibertini]

I will no longer be watching if these in-video ads continue.

[@Annakerry-rp3pd]

My outlook on money changed when I realized that is better to invest on or before retirement, some people are just putting £15k or £20k With the current market movement at the end of the year they are making millions.

[@Ropercof5543]

Investment is currently the most lucrative business in the world. Both real estate, Stock, and Cryptocurrencies are positively changing people's lives.

[@Pumalynx]

Jobs will pay your bills, business will make you rich but investment makes and keeps you wealthy, the future is inevitable

[@Tarryma-n1j]

My advice to everyone is that saving is great but investment is the key to be successful imagine investing $15,000 and received $472,700.

[@Hapjack11]

wow this awesome I'm 47 and have been looking for ways to be successful, please how??

[@Scott32185]

Making touch with financial advisors like Elizabeth Regina Nelson who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times

[@lausdomini7478]

Those 10,000 millionaires didn't have a 2.5% mortgage. I personally have a 2.5% mortgage as well and have enough invested that I could pay off the house if I wanted to. No thanks. Even my HYSA has a guaranteed higher return at the moment.

[@Bestfriend-650]

You are so wrong. Run the numbers again. You would be surprised

[@godsdozer]

Churchill Mortgage is now on my do not call list.

[@maxshiraz3447]

Paying down a 2.5% mortgage makes no sense. That's the cheapest money you're going to see for a long time. Dave's "we did a survey" response isn''t convincing.

[@vinay4886]

Dave should do a study on billionaires- ‘cos many of them have learnt how to leverage debt effectively. In fact ,many of them apparently do the ‘buy borrow die’ which involves them being in debt for life! It’s also ironic that there’s a Churchill ad in which Dave recommends going into debt (ie mortgage)..

[@scottthomas7591]

Big Dave fan, but I find it hard to believe that out of 10,167 people NOBODY paid the minimum payment on their house and then invested the rest. Not one millionaire invested before paying off their house? Not one? I call bull.

[@beaniemac]

Of course he's lying. That scenario doesn't fit Dave's agenda

[@GAFB1122]

@@beaniemac Agenda, lol. But YOU never miss a video, do you? Just like JimmyMcG. I love people who view, click and comment on KZbinrs they don't like because to the algorithms it is still a view, click or comment.

[@jimmymcgill6778]

We all know that is a lie.

[@jimmymcgill6778]

@@GAFB1122 People can have different opinions on the same subject. You cult followers cannot understand that.

[@GAFB1122]

@@jimmymcgill6778 Jimmy, Jimmy, Jimmy. Hey it is your time and your choice to never miss a video produced by someone who you fundamentally disagree with. No matter,, it helps Dave's algorithms and drives more traffic to Dave's videos. ---- GOOD ON YOU MATE!

[@Chet_24]

The husband is right. She should listen to her husband. I dont think she's going to make any progress on this. She's trying to make her husband change his mind on something that's in his general field area of expertise and something he's right about.

[@kennethroyer9949]

With her husband being an accountant it is highly likely they will save/invest for a higher return than a 2.5% interest cost. The not so secret IS investing the difference and it must be done consistently! So yes her husband is 100% correct! Dave Ramsey is dealing with the vast majority of people who don't have a clue and are seeking simple easy to understand and easy to put into practice. The cookie cutter approach. Emergency fund, debt free, paid off house, invest like crazy. If they follow his baby steps they will end up way ahead as compared to the folly they were doing before. However for us folks who eat and breath personal finance/investing I'll leave you with this. My wife and I are long term renters the only time we bought a house was for investing purposes ONLY! We bought the house directly from the bank in 2010 and made an offer as a cash buyer at an insane low price. The paper work was drawn up by a real estate lawyer and enclosed a bank check for 50k and legally if they cashed the check they became contractually obligated. The bank officer was so excited to get this non performing loan off the books he called us stating no problem and he'll get this done at light speed. (Light speed was his actual words). Fast forward to 2022 we sold the house for $450,000 invested all of that money plus what we have our net worth is at a point whether renting or owning is a moot point. We live in a very upscale apartment complex with only 25 units all of them is 2,500 square feet. With inflation elevated, rent increases, doing fun stuff, AND if the wife and I live to be 150 years old and yes we will be out of money! In closing: Except for 1930's and the bottom of the Great Financial Crisis renting is cheaper than owning. This is a fact especially for anyone living in any metro plex you name of such as Atlanta, Seattle, Cincinnati etc. Fast forward to today 12-21-2024 buying is SIGNIFICANTLY higher than renting. To put it bluntly housing prices are INSANE. Does Dave Ramsey ever mention this FACT??? CHEERS!

[@michellemorales401]

"My wife would have left, but she didn't have a car." No truer statement. I love that Dave shares the scriptures on finances. They truly are life directing.

[@JustinCase780]

Churchill ad is annoying.

[@Dave-js1jc]

It's all about the benjamins at Ramsey.

[@UncleDavesKitchen]

down vote video

[@cutehumor]

Justin case and John wick will be brainwashed by the new ads 😂

[@JustinCase780]

@@cutehumor 😅 My wife and I bought our place with cash but if friend or family ever asks you better believe that I'll recommend Churchill everytime!

[@IAmDoctorInsanity]

Hate the ad after the intro. Wont finish the vid.

[@jmorris023]

Always listen to the Math Nerd. The people who make fun of the math nerds are fools.

[@tstanley01]

Cool...except she can't go get another 2% mortgage...

[@FrankS111]

Savings paying an extra $250 / month into a 30 yr 2.5% mortgage = $32k Savings paying an extra $250 / month into a 401k by retirement =$229k Your husband is correct by a multitude of 7x. If you’re responsible with money and mortgage is your only debt DO NOT listen to this advice.

[@beck943]

You didn't listen, then. Factor taxes into this. Cut the investment number by half, and increase the house payment amount by 50% because you have to make more to cover your payments and the taxes you pay.

[@beck943]

Also, no investment guarantees 12% for 30 years straight. If there is one, which one is it? Tell me 😊

[@Ryan-di5zo]

The same people that complain about “math nerds” are the people suggesting a 10% retirement withdrawal rate is safe.

[@nailatiyllufm7325]

@@beck943the s&p 500 has averaged that for more than 30 years.

[@jimmymcgill6778]

@@beck943 You pay taxes when you withdraw, not now. With compounding, you will still come out ahead.

[@dapitbull2009]

I’m about done watching Ramsey videos. We have enough ads through Facebook we don’t need anymore sponsored ads.

[@ering7733]

Watch the Money Guys. Their plan works more for her life

[@roxannegeorge3960]

I hate these pop up commercials.

[@ewall1804]

Stop the ads.

[@mdees88]

Who's tired of hearing Dave's "we surveyed 10,000 millionaires" spiel?

[@lepoj]

If it wasn't a flawed survey, I wouldn't be as annoyed

[@obertosiciliano1243]

Just like when people use perso al credit cards for money back and rewards, it's not going to make you a millionaire, but it's a great way to earn extra perks and cash back!

[@jimroscovius]

​@@lepojThe survey is fine, and newcomers to the show don't know about it.

[@OneIncomeSuperSaver]

Most millionaires can’t relate to middle class struggles 😂

[@mdees88]

He basically said not ONE of the 10,000 millionaires invested heavily in the stock market while making regular payments on their mortgage. That's hard to believe.

[@ClarkMercer]

Many of those millionaires he studied never saw a 2.5% mortgage. Many probably had something closer to 13%. I'm all for paying a mortgage in a timely manner (

[@Charismafire]

The fact that you're still putting ads in the middle of these episodes simply displays you don't care about your audience. Think.

[@lepoj]

Dave: Your math formula doesn't include risk Also Dave: You can withdraw 8% every year because 12 - 4 =8 You can't make this stuff up

[@meljordan220]

There is no risk when you have no debt. Where is the risk? With no mortgage, no credit card payments, no car payments, no debt at all, there is no risk. Risk is only involved if you have debt

[@lepoj]

​@@meljordan220we just going to pretend that sequence of return risk doesn't exist ?

[@extremecarpetcleaning-wvwi86]

Its true, but only if you always make 12 percent every year. Most people don't make that because a 401k plan is lucky to do 7 percent. But if you got a ETF like VOO and put 100 percent of your money in it and it has always done 12 percent, yes you could take out 8 and your account should stay about the same without dwindling away. Like he said 12 minus 4 for inflation is 8 percent. Honestly it should grow by 4 percent every year. Even if you take 8 percent. Its simple math. Even if we get a crash like covid it still went right back to averaging 12 percent within a year or two. Now VOO is actually up 30 percent this year. 🤷‍♂️ its all about investing the right way. Voo is really just the best 500 American companies and something everyone should own. America would have to dissappear for it to go down alot.

[@lepoj]

@@meljordan220 Are we just going to ignore sequence of return risk? Are we going to ignore that a withdrawal rate this high has an over 50% fail rate?

[@meljordan220]

@lepoj 😂 how much money do you have? How much debt do you have? Are you one of those broke money teachers that Dave always talks about? Money is 80% emotion 20% fact. If we have another great depression the house would be lost if the mortgage wasn't paid. It's about feeling secure so that you don't have money problems. I'm sure you don't have as much money as Dave does or his daughter or any of his workers for that matter lol. I would rather listen to people that have already won with money rather than someone that has theories that make sense to them but don't have any emotional involvement. I'd rather listen to someone that has done things that work. But thank you. Lol

[@hawgsrmylife]

Dave's "study" - (full data never released publicly, only a summary paper, and has not been replicated by anyone or even peer reviewed) was conducted in 2017-2018. At this time, the average new 30-year mortgage rate was above 4%, and for almost all of the previous 30 years, it was above 7%. This is a clear-cut case of selection bias that Dave will never admit to. The purpose of the "study" wasn't to seek the truth and have their data critiqued by peers. It was to sell books.

[@alinatamashevich3354]

Then do your own study

[@nelbr]

I agree 100%. Low interest rates have not been long enough in the market to make an effect on the current pool of millionaires, but they are creating the next generation of them. And while I don´t have a pool to confirm my results, I do know for a fact that the number of people who are millionaires and did not prepay their mortgage is not zero. Having said that, Dave has another point which he did not say that is also true, which is a sort of emotional impact that pre-paying a mortgage has on people. The discipline it takes to maximize the payments AND the emotional comfort that having no debt brings can definitely help the future saving effort behavior of people.

[@bethanyh1637]

WTF are you talking about. Interest rates had been under 5% for a decade before that survey was made and under 7% for the vast majority of that time of those 30 years. The 50 year average is only 7.7% and that includes a time when rates were over 15%

[@nelbr]

@@bethanyh1637 Exactly. It takes 30 years on average to save a couple million bucks, more if your revenue is low.. The above 7% rate is exactly the rate that the 2018 millionaires had over their mortgage period. You just confirmed my point.

[@jacobrubydev]

The people have spoken. Stop the sponsorships in the middle of the video, please. The self-ads at the end of the video are borderline but still fine as a quick outro. Don't push it.

[@aurasphere87]

Ramesy team: respond expeditiously to the ad crisis please.

[@DebbiesCat]

We paid off a 30 yr mortgage in 20 years and we bought a vacation home in Florida that we rented it short term until I retired and moved in full time. We paid off the second home and pocketed most of the cash from the first home and it helped set us up financially. Bought a condo for my husband’s granddaughter to help with today’s rents. Never had revolving debt, bought 3 yr old used cars and didn’t buy anything we didn’t have cash for. Moderate income. Made my own coffee.

[@justmexican91]

At least this ad was short and it did not have George in it

[@Nonsense116]

Lol an ad in the opening second, then another 45 seconds in. Money troubles over in the Ramsey network? Or just greed?

[@ankitakamat9424]

Greed. And they push the serve others narrative

[@gabbyaboutbooks]

Adding ads during videos are not it.

[@AC-zy9tz]

Well that was a terribly placed add

[@THEUPSTAIRS100]

Please let the video play for a bit longer before the ads, and the volume on the ads is considerably louder.

[@jayhatz1226]

So why do corporations with $3B in cash carry debt? Probably because they’re making more money with there cash than they are paying on their debt. Plus cash gives them options that a paid off mortgage doesn’t. Debt isn’t risk if you have the cash to pay it off at any time.

[@szachowykibol]

I had to unsubscribe from George and Rachel because of the ads; please don’t take this channel away from me too, I love Jade

[@majorlagg9321]

You're addressing the wrong people. That's KZbin inserting the ads.

[@szachowykibol]

@@majorlagg9321youtube has separate ads

[@BrianCassidy-hb9pg]

​@@majorlagg9321 No....

[@jimmymcgill6778]

@@majorlagg9321 NO. KZbin does not do in house ads. This is Dave.

[@majorlagg9321]

@@jimmymcgill6778 Explain how I am a premium subscriber and do not see these ads you guys complain about. They're KZbin ads.

[@NadeDogg]

I skip past the ads and will hesitate to click on the next highlight video

[@billeo2002]

Some of my friends told me I was stupid for paying off my mortgage instead of sticking with my low interest rate. But I can tell you that while I might have missed out on some gains, paying off the mortgage has changed my life in so many ways. Within a year I had gotten out of a career that I had started to grow weary ot, took a risk on something I loved, and am 10x happier, while positioning myself for likely even more growth. My wife left her job when it turned bad, and the decision was easy. It's not only a risk factor, but a freedom to take risks that you can't put on a spreadsheet. Not being beholden to anyone changes your life and changes what you can do.

[@beaniemac]

I have a 3% mortgage and purposely pay the minimum so I can invest the excess money.

[@tcgtpl]

You are too intelligent and disciplined for the Ramsey NPCs.

[@davroy5890]

Isn't the plan to invest a certain % AND pay extra on the mortgage simultaneously? Not sure how this is controversial.

[@maximayette4231]

Mine is 4.5% and I am still not paying it off quickly.

[@tcgtpl]

@@davroy5890 The Ramsey plan is once you get to Baby Steps 4,5, and 6 you invest 15% and pay the mortgage, and then any extra money you have in the budget goes to paying off the mortgage early. The better route is to take that extra money and invest it (thus investing more than 15%) because the investment gains will be better than the interest rate on the mortgage.

[@Liaxtube]

@@davroy5890 It's an opportunity cost scenario; you have a finite amount of money to earn, spend, invest, or save. By contributing any additional money to the mortgage you are not investing it, thus you lose money because you are saving 3% on it whereas you could make 10%. Also known as arbitrage, something the Ramsey team really does not care to discuss when it comes to managing your debt. They really only let you "arbitrage" in the sense that their plan doesn't force you to pay off a mortgage before investing, but they don't want you to go above 15% investing instead of paying off the house either.

[@TheImapotato]

Any woman that calls this show to second guess a husband trying to protect & provide for his family, shouldn't be married. Dave is WRONG. 2.5% mortgage and he advises you to PAY OFF the house instead of invest at a time where the stock market will SURGE in 2025 due to a government that now will be very good for the market? Just wow...

[@mathematician1234]

You have a market view. You may well be right. I hope you are! However, my market view is more cautious. I agree that the new government will be good for business, but I think that that optimism is already more than baked into U.S. stock prices. So, I will be amazed in the S&P 500 is up more than 5% during calendar 2025. I hope I am wrong and that you are right.

[@THEUPSTAIRS100]

@@mathematician1234 You don't need a market view, Dave himself talks about his double digit returns over 40 years and you can go back 120 years. Few things in the world are as predictable as the long term returns in the market.

[@mathematician1234]

@@THEUPSTAIRS100 I agree with you. If I were planning on a 30-year mortgage, your argument is convincing. But I would be planning on having a mortgage for the shortest time possible, not exceeding 10 years, and my market view is that stocks will not outperform good quality corporate bonds over the next 10 years.

[@LyricalTampon]

Dave and his "study" are just objectively wrong about this. Most millionaires with substantial wealth absolutely retain mortgages.

[@joelfenner9179]

Source his study is inaccurate please.

[@alinatamashevich3354]

And you would be wrong. I am an EDM. His plan works. Some people love debt

[@AmericanWears]

I’d bet most with substantial wealth pay for their home upfront in cash, how do I know? I’ve heard the term you’ve been outbid by a cash offer more times than I can count.

[@cooleobrad]

The Money Guys dropped behind the scenes info that the number Ramsey is using in the study is for second mortgages only. Ramsey doesn't say that publicly though

[@joelfenner9179]

@@cooleobrad Do you happen to have a link?

[@MaxJones-dj5ub]

Same stupid argument as always from Dave. Just because people in your study didn’t “SAY” that they did something to become a millionaire doesn’t mean it’s not what they did. Also, they likely had much higher mortgage rates than 2.75%

[@ASimoneau]

Dave's argument is correct notwithstanding the interest rates.

[@archeanchaos-s4c]

He talks about that research all the time, but I've never seen it published. Show me the exact questions that they were asked. Also were all of them millionaires from Daves FPU?

[@MaxJones-dj5ub]

@ no it’s not

[@nickblankenship6818]

Nothing im saying hasnt already been said...but man, that ad was jarring.

[@Kalvain14]

Wow, the ad is a fantastic idea! Whoever thought of it should update their resume. I'm unsubscribing.

[@donvirts4608]

Stop listening because of the poor ad placement.

[@christinewelch8365]

Me too

[@jimeddleman8511]

Paid off the house 26 months ago. I upped my 401k to 50% of my income. Stress about bills is zero, even though I lost my job a month ago.

[@beaniemac]

How is your 401k at 50% if u lost your job?

[@mdees88]

You can only put $30K in your 401k per year if you're over 50. You said you put 50% of your income in your 401k. So you make ~$60K per year, and you paid your house off in 26 months?

[@GAFB1122]

@@beaniemac He said he lost his job a month ago. I suspect that he upped his 401k to 50% of his income when he paid off his house, prior to losing his job.

[@jimeddleman8511]

@ before I lost my job I put it at 50% before I lost my job. It’s made about 25k this year. My only regret is I waited too far into this year to do it. My job only allowed us to put a maximum of 50%. They matched 50%.

[@UncleDavesKitchen]

@@GAFB1122 but not contributing to 501k now

[@aaronleedescombes]

The husband is correct and Dave is wrong on what to do here. Stubborn dumb advice based on feelings.

[@mikeshaw4610]

From a logical / math person it is definitely a freeing and peaceful thing to pay off the mortgage. We had the money so I had no fear of loosing the house even if I lost my job. So I preferred investing. After several time of my wife asking, not gripping, to off the mortgage I finally agreed with her. Paying it off created even more freedom than I expected and was the right thing to do.

[@jimmymcgill6778]

And if you lost you job and really need the money. You can easily withdraw from your investments.

[@QFUNNYNEWS]

There are many who have leveraged their home and became millionaire's. Only a certain percentage of people will actually do it that way though. There's plenty of ways to make money nowdays. Great video.

[@archeanchaos-s4c]

I have a net worth that is nearly a million, but only about 10% of that is equity from my home. As far as risk, if something bad happened to me I could pay off my mortgage tomorrow and be fine. So I will take the extra interest that I get from my investments.

[@QFUNNYNEWS]

@archeanchaos-s4c You should pay off your mortgage tomorrow.

[@chessmasterbenz3094]

Ads are worthless

[@tate6809]

I get that Ramsay is a business and businesses need to make money, and Dave is blessed to be very successful. And he often pushes the angle of "serving" which I very much respect too, but for me that makes it extra tacky and sleazy to have these stupid ads in the middle of the clips. I'd expect that from some out-to-make-a-buck financial influencer selling a get rich quick scheme, but not from Dave Ramsay. Sad.

[@mommaoinnh2674]

She is correct. Keep the 2.5% loan, invest at 12% if you can.

[@DF-199X]

My comment is the same as everyone else's, so I'll just leave it at that.

[@mattherring2166]

Unsubscribed. This is the last clip I’ll watch until ads are removed. Bummer

[@jackieroberts6316]

My hubby thought the same thing! But he knew how much it ment to me to own the house outright and so it was paid off in 2019. Now even he admits it was a good move. As long as we pay the taxes no one can take it from us. Such peace and contentment.

[@NickolasLogan-x1o]

Terrible advice for a 2.5% mortgage. Maybe I can see it at 7% but definitely not 2.5. Invest it

[@joelfenner9179]

Well, the advice was based on 10,000 millionaires. What a bunch of idiots am I right?

[@jeremyzuniga5644]

Apparently you didn't watch the video because you missed the whole point he was trying to make.

[@mtbokor1969]

@@joelfenner9179 I agree with the advice that you should just pay your mortgage off and not try to make money off the spread. It’s not how people become rich. I also find it comical that Dave references the study of 10,000 millionaires. Because I’m pretty sure there is not a specific question in the study around this topic mostly because the historic low interest rates of two and 3% are only in the last few years. Nobody is calling up now and saying I have a mortgage at 6% that’s close to being paid off but my significant other tells me we’re making 10% in the market and we would be silly to pay the mortgage off.

[@archeanchaos-s4c]

@@jeremyzuniga5644 What is the risk if you have enough in your investments to pay off your home?

[@ClarkMercer]

​@@joelfenner9179 I doubt many of those millionaires ever saw a 2.5% mortgage. Many probably had something closer to 13%. I'm all for paying a mortgage in a timely manner (

[@pashadri]

Unsubscribed. These new ads in the “short highlight” channel are ridiculous.

[@alanlippincott2802]

They never asked in their survey "did you maximize investing by paying minimum on your low rate mortgage" ...if they had it would be a contributing factor for a reasonable percentage. I'd guess between 15 and 40% this DOES play a part in their millionaire journey.

[@alinatamashevich3354]

Provide the questions asked please

[@davidlindsay6450]

My parents did what this caller was talking about and they became millionaires. The number of people that do this is way higher than 0 Dave is completely making this data up.

[@neeferpd]

Correct. I'd say that when Dave goes on this rant he's really muddying up his language and so many poor listeners like this lady eat it up. All of the every day millionaires I know, myself included, lived on less than they made, had a 30 year mortgage or possibly less, but paid it off and invested at the same time. That's totally different than taking out a second mortgage or refinancing with cash out to invest or leverage the money. You get a reasonable mortgage for your income, save wisely, have good life insurance when someone's depending on you and that's how thousands of people have done it. I'm now semi-retired, still have a little left of my 2.5% mortgage, but easily have the funds to pay it off if I felt it was necessary. And I sleep fine at night and really doubt I'll sleep any differently when I make my final payment. The biggest risk he should be talking about is people not understanding personal finance and not being responsible. If this couple is already responsible then hubby is correct and his math works just fine.

[@davidlindsay6450]

@ Yea and if you want to pay it off because it makes you feel better that is absolutely fine too. Maybe it is slightly more profitable to invest and just pay the mortgage off normally, but ultimately whatever makes more sense you can’t really go wrong with if your rate is 2.5%. I would lean more towards paying off the mortgage if these people were suggesting doing something like wasting the money on a luxury car or something but if they are legitimately investing I don’t see how you can shoot that process down so flippantly.

[@FiOSFellow]

An ad schilling for a mortgage embedded into a call bashing mortgages Oh the irony.

[@joecross1561]

I will be turning off every video the moment an internal imbedded ad pops up and hope everyone else joins me. Deprive them of views until they change

[@jimbobjim2310]

Time to unsubscribe

[@tate6809]

Dave shilling for a mortgage company REALLY cheapens the Ramsay brand. I'm just saying

[@alinatamashevich3354]

He has been with them for only 30 years. So chill, it is new

[@fauxbro1983]

the thing is, most people, especially women, won't "invest" in a mutual fund or the market. they'll spend that money on useless crap

[@Chet_24]

Or waste it on dumb bs like presents for random peoppe you've never met or trips

[@DIYDaveOK]

The freedom of having no debt is hard to describe to someone addicted to it.

[@1jw298]

Indeed, my stress levels dropped tremendously once out of debt.

[@johndone8045]

You will never be freed until you die, its a lie

[@mattsennett]

My approach was 75% of my spare money went towards clearing the mortgage and 25% was invested. This was when interest rates were really low too. Now the mortgage is gone it gives me the ability to invest more and have that security from a home ownership perspective too. I think the lady should approach it in this kind of way with her husband so there is a sensible compromise.

[@SalemPhiladelphia]

Why do i get ads when i have YT Premium? Thats crazy. Unsubscribed

[@_pugito1659]

He has Ben shapiro once and now Dave has ads 😭😭😭😭

[@zhannamatviychuk]

Can we find a different way to advertise? It’s really annoying makes me wanna just skip all the ad.

[@sreb15]

What is up with these adds?

[@markekins4769]

Why are we doing ads in the middle ? Totally ruins the flow.

[@xavierhicks9008]

Ads inserted into the videos now?? YUKE

[@ankitakamat9424]

Stop the goddamn ads. We pay premium to not have the ads. Dnt be greedy guys. Common.

[@dscou]

Not mentioning that mortgage interest is tax deductible also means having an incomplete calculation. Anyone with the discipline to not spend irresponsibly out of their brokerage account and who has a long terms strategy will be far better off not paying down a sub 3% mortgage in favor of an S&P ETF.

[@GAFB1122]

In theory I agree BUT the very high standard deduction for both single people and married people makes it less likely that people will actually receive a tax benefit for mortgage interest deduction. Furthermore, even if your itemized deductions exceed the standard, the benefit will be reduced because you may only exceed it by a small amount. Need to paint a full picture.

[@dscou]

Even that aside the avg annual return difference on the 70 year sp500 and a 3% mortgage more than accounts for risk for an investor with a medium to long term hold strategy.

[@GAFB1122]

@@dscou Different argument. Again, when it comes to taxes, just paint the picture accurately and in full. --- Taxes is what I do.

[@dscou]

When considering doing A vs B financially the comparable net risk adjusted return is THE conversation.

[@GAFB1122]

@@dscou Why are you arguing with me. Again, if you were being straight up, then in your original comment you would have included that most people will not benefit from mortgage interest deduction because of the high standard deduction. You painted an incomplete picture as it relates to taxes. Sadly, people often do that. Just because an item is deductible does not necessarily mean you will get a benefit. It all depends on YOUR facts and circumstances. How the blank can you argue with that?

[@BecauseWhyNot660]

Why am I paying a premium subscription, only to get ads in your videos? I don't like this.

[@Schaffa]

Why do I pay for premium if I get ads like this

[@cutehumor]

Creators want ad money too

[@emilyh6293]

I don’t know who has joined the production team, but these ads in the middle of the video make me want to watch Caleb Hammer instead.

[@Basketball-10123]

Guy who put the ad in the middle of the video needs to be fired. I hope you lose your viewers if this continues. I will be one of them. This isn't rocket science. You make more money because of the ad. Viewers dont care and will stop watching, then you will make less money with the ad. LISTEN TO YOUR VIEWERS!

[@pnwflipper2089]

There’s common sense middle ground here: max your Roth IRAs andget any matching on your 401ks then put anything that’s left into additional payments on your mortgage. There is enormous peace of mind that comes with a paid-for home!

[@azerlynno]

Yall know you’re watching this on a platform where you can SKIP PAST THE ADS. lol

[@ankitakamat9424]

Are you mental. These are inbuilt ads. In the video. You can't skip them. Did you even watch the video

[@Hax0rZ1]

Just FYI to those people who complain about the ads. It takes no time to hit the fast forward through it for one. Just so you know though KZbin loves to constantly demonetize content creators and they do it without notice or a reason why. The only way YT creators have bypassed YTs terrible policies is to 1. Do ads within the videos of which can easily be produce revenue beyond YT control. 2. Take donations outside of YT system. Not just that YT does more things behind the scenes in their algorithm to hurt people without any knowledge or recourse. Dont complain. Be happy this content is free to you and you dont have to join with a premium membership or something like that.

[@haninnamir6116]

A crazy story that happened to a distant family member yesterday (not in the usa): guy bought a $130k car on payments for a girl (car is on his name, she pays the payments), girl's underage brother takes the car for a ride, gets in an accident, dies in the accident, he didn't have a driver license, the car didn't have insurance. Now the guy has 130k debt and a recked car.

[@1jw298]

Ads…..at the beginning or the end. C’mon Dave! it’s not gonna fix itself honey….😐

[@lynbrooks18]

THERE IS NO RISK IF YOU HAVE THE MONEY TO PAY THE HOUSE OFF. YOU JUST EARN MORE INTEREST ON YOUR MONEY. SO ITS JUST A POINT OF FEELINGS . A GUY WITH 500 MILLION DOLLARS IS TELLING YOU ITS BETTER FOR YOU TO LOOSE MONEY SO YOU WILL FEEL BETTER. 😂😂😂😂😭😭😳

[@bethanyh1637]

We were doing that. Then about 3 years ago, we had a major crisis that required to pull half our money out of the market during one the larger down turns. We ended up losing a lot of money on those investments and mathematically would have been better off borrowing from the extra equity that could have been on the house. Don't believe the lie that there is "NO RISK."