Setting The Record Straight About Dave Ramsey | Anthony ONeal

[@anthonyoneal]

Join the movement: 👕 RE:Definition Merch Line: www.anthonyoneal.com/re-definition

[@moblackmoney3424]

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[@debraroberts4683]

I went through Dave Ramsey 7 baby steps and it helped me tremendously I am now debt-free I owe no man. I had 53,000 in hospital debt and because I followed the plan I am now debt free. And all I can say is thank you Lord for people like Dave Ramsey who shares their knowledge on how to manage finances so that other people can Thrive the way they do.

[@keepcreationprocess]

You are freaking hitting me on the head with your message and the bible..............--- soo scary....

[@BroncosSUCK1980]

what a pos can't learn from a white man

[@BroncosSUCK1980]

listen to someone who has affairs

[@mikebrown9521]

I’m a 63 year old black male and I bought Dave Ramsey book and went through the baby steps and it worked from me. I’m debt free and I owe no one except my mortgage payment. Dave’s program will work for anyone who wants to do the work.

[@beesknees213]

Thank you. It works if you work it. There are a LOT of conversations to be had.

[@Ginger_Spicy_Candor]

exactly. I read Dave's book too.

[@tinamathews7139]

Exactly!!!!!

[@willtacoma2ndgen661]

​@beesknees213 my brothers and sisters always look to blame someone else for their life decision failure. I use Dave Ramsey's baby steps to get out of debt and have a huge savings account. This is simple, just stop spending money you don't have in junk and stop trying to keep up with the Jones, and you will have a saving. The majority of people have a lot of unnecessary stuff to show people they have a lavish style such as a cable bill. I stopped buying junk since 2007 and now save up to 250k plus dollars in my savings account, plus I own my house 🏠.

[@velmacoutee2613]

It does not matter about the ethnicity, it will work and I am on my way to being debt free. Thanks.

[@daliladavis8313]

Dave Ramsey teaches financial literacy. It has nothing to do with race.

[@Stoic_2024]

100% agreed.

[@arienfox]

True 💯👍

[@p.gizzle90]

Thank u. It just sounds like the lady don’t kno how to do general budgeting.😅

[@raygordonteacheschess5501]

Why does it take DAVE RAMSEY for people to suddenly have common sense?

[@arienfox]

@@raygordonteacheschess5501 Better now than never.

[@twilliams842]

I’m a black millionaire on paper and I want to say thanks to Dave Ramsey for the teachings.

[@jamesapt66]

That’s powerful!

[@Votethepower]

On paper is where it counts!! Congratulations!

[@braddavid902]

Wow that’s impressive. Your ancestors would be so proud of what you have achieved.

[@matthewrobinson5403]

Lemme hold 10 dollars

[@thelifeuchoose]

​@@matthewrobinson5403I'll take 50. A millionaire can spot that.

[@arturomoreno9319]

I´m Mexican currently living in Mexico. Found Dave Ramsey before Covid hit. Now I´m finally debt free and I feel so blessed! Payed off all the pesos I owed the Bank and serveral department stores. So Even in a different country and currency..The baby steps really do work.

[@suspendeddisbelief786]

👏👍 hard was it?

[@rayofsunshan]

Congratulations 🎉

[@brunonavarrete4008]

Same here brother. Got to BS3 while still in Mexico although I got a visa right after that and moved to Philly 🖖

[@arturomoreno9319]

@@brunonavarrete4008 that's awesome brother! Let's keep this going!

[@arturomoreno9319]

@@suspendeddisbelief786 I'm just now seeing your message, but yes.. It's definetely a process but it can be done!

[@lioness2094]

Living below your means is key!!!! Our spending is out of control.

[@charlottepeukert9095]

Is there an issue with black tax in the black community? Are there family expectations, that need to be met and are especially burdensome? Are black people, due to cultural beliefs and norms of their community, less financially educated than they should be? Do they belief that money is the root of all evil?

[@Nisa-gm5wg]

I found Dave Ramsey 20 years ago. I was 30 (hubby 34) and we had 2 small kids. Now I’m 50 (hubby 54). We’re completely debt free ( mortgage too), retirement and investments look great and those two kids both graduate May of 2024 (son with masters degree/24 and daughter with her undergrad/22) debt free too. We both plan to retire 2027 when the last one goes off to college (yeah we had another one with our old selves😊). Her college is taken care of as well. So yes, that Godly white mans baby steps worked for this black family of 5.

[@sstamper1368]

I love you story. ❤❤❤❤ How old is your youngest?

[@flyingscalpel7]

This makes me happy to see :) yall are amazing!

[@nancys7405]

Well done!!

[@lisadanielleclark]

Excellent thanks for sharing! Baby steps do work if you commit to them.

[@MsIsma22]

Dave principle works for my family too. 41 and debt free.

[@leahlevitates]

African American single Mom here. Paid off $204,347.73 in debt in 25 months. Now we are living in the Vision. The Baby Steps worked for me. Being a good steward of money is not black or white. It’s common sense. 🙌🏾

[@kenyafromcali]

And it’s biblical. 🫶🏾🫶🏾

[@mariannuckle4737]

Amen!!

[@Sweetmuscatwine]

Great jobs , What is your income?

[@Ifyouonlyknew22673]

I agree you do what you put your mind to Amen sister amen 🙏🏾 how much do you make a year ? If you don’t mind answering

[@beccas5618]

Wow! Congratulations🎈🎉🎂🎊. How did you do it?

[@indio2479]

I'm Latino, a first-generation immigrant and grew up dirt poor. Grew up in a third world country and in this country, in the inner city. Dave Ramsey helped me become financially literate, and his structured system made the most sense to me. I'm less than two yrs away from paying off my house and about 3 yrs from being a millionaire.

[@Anonyme67]

Goood job. African here (but my family back home was well off). I am self made millionaire and will pay off family house in 2024. Thanks to Dave and youtube academy

[@MrTmenzo]

Good for you paisa 👍

[@jenniferwilliams6494]

​@@Anonyme67your family being well off doesn't make you self made unless you didn't use a dime from them. Ijs

[@Anonyme67]

⁠@@jenniferwilliams6494 I am a self made my dear. My father’s money has helped for sure. But my millionaire status is 95% my work and of course the cornerstone of my success is the education my father gave me.

[@mase0013]

I love this story! Si se puede!! My wife is a first-gen Latina and grew up as a migrant farm worker living in extreme poverty. She was able to graduate from college (the first in her family) and we have successfully followed Dave Ramsey's baby steps and are on baby steps 4-6! Working on paying off our house asap!

[@YevetteGooden]

I’m a 53-year-old, black female, and currently on baby step six “pay off your mortgage early.“ I retired early and am living my life. It works people!

[@Aminah6623]

Yes, it does.

[@actuallyterry]

🎉🎉🎉

[@donnasaid8282]

❤❤

[@jemini0415]

The concept of "The Table" is brilliant. It transcends culture, race, age, etc. My wife and I are about 45 days from starting step 7. This concept helped refocus my thoughts on why financial freedon is crucial to personal freedom. Thanks. Good bless you.

[@W.S.-zo6xe]

The person that doesn't think the Baby Steps work for Black people hasn't watched the ton of debt free screams of Black families featured on Dave Ramsey's show.

[@KimberlyDNP]

Exactly!

[@MrJamieBattle]

Bingo

[@theobarley7040]

Ya got that right!! I have no personal debt which has allowed me to leave my job and open my own business. One business truck to pay off and the business will be debt free as well!

[@willtacoma2ndgen661]

Exactly. I'm debt free because of Dave Ramsey. Black people are always looking for clout and views now, blaming Dave Ramsey for their life decisions failure. This is simple, just stop spending money you don't have in junk and stop trying to keep up with the Jones, and you will have a saving. The majority of people have a lot of unnecessary stuff to show people they have a lavish style such as a cable bill. I stopped buying junk since 2007 and now save up to 250k plus dollars in my savings account, plus I own my house 🏠.

[@gerardomorales4078]

💯

[@ccutieccutie]

I'm 43, followed the baby steps....did it a little out of order, but I did it. I'm black, I'm debt free 4 years ago, don't owe nobody...mortgage paid off. Did all that with a child and making under 50k. Takes discipline and to not listen to these young tik tokers. I wanted to live like no one else....thanks to Dave...I am! I'm never going in debt again.

[@tammiehunt1653]

COME ON GIRL👏🏽👏🏽👏🏽YAASSS

[@t3angling575]

Amen. You are 💯 spot on.

[@patriciacovington8984]

Love this!

[@lemaitrethemonk]

The peace of mind that you (we all) get from not having the yoke of debt on our back is a beautiful feeling. I get an overwhelming sense of peace in my life now. I am not rich by the way. I understand people of wealth use debt to generate wealth, but people that DO NOT have wealth pushing agendas is something I avoid like the plague. Now it's time that we set new goals, health goals and financial goals. Much love, health and happiness to you and your family. May God Bless your journey, every step...

[@ashleyelabo1714]

Love it!

[@drizzit2424]

I'm a 45 year old black man. I took a dave ramsey course in 2006 at FT. Campbell, and it changed my life. I went thru a divorce in 2007, and after losing %30 % of my income to my ex, I returned to Mr. Ramsey's teaching just to survive. The teachings of Mr. Ramsey helped me to go from poverty to the suburbs with some money and a future for my new wife and 4 kids. Im home every day, and I'm able to watch my kids grow with all their college taken care of. It's not about the color of the person but the messages they share with others.

[@R.H.1965]

You are a Rockstar!! 👍👍

[@Layla-hg4ux]

Impressive!! Going through divorce and finally I'm stepping up to take care of financial burden. Where do you find this Dave Ramsey's course?

[@kstewart235]

Ramsey solutions Every dollar Financial peace university course

[@KnowledgeSeeker78491]

Did you have children with your ex?

[@doshrink]

I’M an old white guy. Love you Anthony. Miss you on the Ramsey platform. Glad you are doing well and helping people. God bless you!

[@SMetz-cw6qj]

I miss you, too!

[@angelapate328]

I’m a 47 yr old white woman who is happy to have found you post DR & happily subscribed. We all need to learn from one another & together!

[@stephaniehall8179]

5 months ago I was watching Dave Ramsey on KZbin, I was almost 11k in consumer debt. I took his advice and did a budget, saved my 1k emergency fund and now I have 3k left to pay which will be paid off before the end of this year. For the first time since I was 18, i will be debt free. ❤

[@diginandpitchin]

🙌🏾

[@PedroS-nv1sl]

That’s incredible. Very well done! Now let’s see where you’re at by the end of 2024!!

[@Cormonkey18]

awesome man! you got this!

[@killamatrix1]

Keep going throw it all at it

[@FULGOD-Hz]

congrats Champ!!

[@nicolejohnson5225]

They worked well for me. Took me 4 years, making 40k a year. Single parent of an elementary aged kid. Living on my own in an apartment. I don't like everything about Ramsey, but he got it when it comes to getting out of debt. 🤷🏾‍♀️

[@tonyusmc1]

I agree. I am now debtfree.

[@humilis42]

I agree. Because of his teachings, I have 1 more truck note. Next is my ……… let me think about that.

[@solonia7355]

You have kids … your income has subsidy … you get a refund on your taxes paid & subsidy throughout the year …

[@jmaurice72]

There's always something that's missing

[@jayguy366]

@@solonia7355 ​​⁠ Please explain. Are you assuming she get help. Refund tax for two children is 2,000. Now that not a lot for a single mom not on welfare cause she is working and had to pay for childcare which is more than 2000 refund she got back. Not including every six months she has to purchase clothing for her growing children. FYI secondhand clothing is not cheap . To be honest same cost as Walmart 😮. Don’t include sneakers and boots….. Keep it real if she lives in NJ she is not getting any help and no snap or discount much cause she makes over a certain amount. Each state has their own poverty threshold. I am proud of how she was able to get out of debt. 🎉🎉🎉🎉🎉

[@karimahlloydbey5156]

I actually had a family member say “you gon listen to some old rich white man tell you how to manage your money?” Uhh yea lol. 3 years later, I was debt free, able to buy a car with cash, purchase a home and take the summer off from work to get all moved in. The baby steps work.

[@kenorsha371]

Congratulations! I know that feels AMAZING!!!

[@karimahlloydbey5156]

Thanks! 🙏🏾

[@RoyelNotRoyal]

Good for you for breaking that generational mentality

[@Teeyah2]

Thank you for sharing your testimony!!😁😁😁

[@YvonnesVintageVilla]

Congratulations! It's funny how some broke people always find ways to try to pull you down when you want to grow and do better. I don't know you but I'm proud of you.

[@iamnottheone3020]

I am a black woman who first started listening to Suzie Orman years ago. Then years later started listening to Dave Ramsey baby steps, I was already halfway there due to listening to Suzie Orman first. I’m now worth more than a half million dollars and have zero debt. I have no mortgage debt either. I grew up in the projects. It works! It takes discipline and sacrifice, but it works.

[@glendajohnson3580]

What about people in the Caribbean Islands How can we make it Can you show us how please? Also people that live in America have more opportunities to do lot of things than us in the Caribbean.

[@glendajohnson3580]

I need your help to show me from the Caribbean Islands how to do these steps

[@SMetz-cw6qj]

Good for you! Congrats!

[@janicearluck6637]

@@glendajohnson3580 Im in South Africa. Im also following the baby steps. Im just "converting". So in America, where they have to put away $1000 for Emergency Fund, Im putting away R1000. So what ever currency you are using just change the money sign. Even if you put away 100/200 a month. Always remember, Rome wasnt built in a day. Same goes for the 1000 in the emergency fund. Also put it in an account that has a "high yield investment" so it will grow, even if there is one month where you cant put any cash in

[@Prod.By.Barcari]

The baby steps are not based on being black or white… I am a young black male (25) and I payed off all of my credit card debt this year ($3,500) and managed to save 2k+ in an emergency fund.. I don’t have any kids bc I know I am not prepared too and chose not to put myself in positions where that would be possible. It’s not about race it’s about making good decisions and planning. Even the bible speaks on that.. Thanks AO for your lessons 🙏🏽

[@GreekYogurtGranola]

Amen ❤

[@GenXpressnG]

🥳Good job!!! Do not succumb to the Joneses, peer pressure or must have what your neighbor have, stay focused the devil will surface and cause you to take a detour, stay strong and carry on ✊🏽👍🏽

[@girlygirl1890]

@Prod.By.Barcari You are very wise and I agree with every word you just said 1,000%. You are spot on...(and yes, I am a black woman agreeing because everyone needs to realize that the Baby steps are not based on race at all.)

[@Prod.By.Barcari]

@@girlygirl1890 Thank you! That is so true.. At some point our people (not saying all of us) have to stop making everything about race and focus on ourselves and our choices 🤷🏽‍♂️💯We are living in a time in American history where ANYBODY can become wealthy and successful no matter their complexion..

[@rhargrow8399]

Amen, Praise the Lord, a young man with Godly wisdom. Blessings and peace to you Sir. 🙏🏽

[@Nextlevelnesha]

Dave's no-fluff straight shooter, stop being a victim style resonated with me as a veteran. He's the reason I started my debt free journey and paid off $33K.

[@George-hl2xm]

Dave’s plays the victim himself when it fits him

[@YvonnesVintageVilla]

Thank you for your service and I'm glad you're moving forward in your debt free journey. Be blessed.

[@arienfox]

I never heard Him speak like that.​@@George-hl2xm

[@jasonscott2012]

How long did it take you pay off that 33k?

[@greaterishe7197]

I agree. People get upset because of his approach. Doesn't change the need to discard the debt.

[@Unveeiltv]

I’m Nigerian living in Canada and Dave Ramsey teachings got me out of debt. Paid my school loan, car loan and credit cards in 13months . I felt abundant and free afterwards.

[@suspendeddisbelief786]

Good job, hope you reach step 7 sooner rather than later. 👍👏

[@chidinmatv8019]

Congratulations Sis!

[@zoba5684]

Congratulations dear

[@NaeReads4Utube]

🙌

[@biglugaming8378]

Can I tell my story? I will tell my story. Grew up one of seven, all we knew was poverty. Focused on school, missed some meals, mental health wasn’t great. Joined army and somehow things got worse over time. I’m now on baby step number two making money I never knew I would make, and STILL LEARNING. Keep learning yall. I’m a Hispanic first generation man at 31 finally finishing his bachelors. It can be done. Focus up.

[@Bethelgal42]

My dad was a Financial Peace Coordinator for years at a local community center. He taught the program Bridges Out of Poverty (which is amazing) along side Financial Peace University because he found that many of the people in his classes had to overcome a generational poverty mindset before they could save money.

[@sharongreene-crite8495]

Yes, great approach including Ruby Payne's book. 👍

[@_shumba]

Financial wisdom is universal, it is not limited to a certain race or skin colour. Once people get rid of the victim mentality, they can actually start to see change.

[@anthonyoneal]

We totally agree!

[@taylorspastpresent1014]

🎯 💯 we attack the same issue the same way regardless of race. For example if we need to increase our income black or white it’s possible. You get a side job or look for a higher paying position. Though wealth inequality is real we can’t let that hinder our very tangible resources.

[@miram2053]

Who here is acting like a victim?

[@willtacoma2ndgen661]

Exactly, brother. My brothers and sisters always look to blame someone else for their life decision failure. I use Dave Ramsey's baby steps to get out of debt and have a huge savings account. This is simple, just stop spending money you don't have in junk and stop trying to keep up with the Jones, and you will have a saving. The majority of people have a lot of unnecessary stuff to show people they have a lavish style such as a cable bill. I stopped buying junk in 2007 and now save up to 250k plus dollars in my savings account, plus I own my house 🏠.

[@joenew2997]

The well to draw from is different between races because of history.

[@David.D3]

I'm Asian American and my family escaped Vietnam to come here with nothing. I grew up in poverty and Dave Ramsey has helped me tremendously. His teachings work and is not just for one ethnicity.

[@jenaescott5333]

As a single parent, with no financial support from co parent, the baby steps have afforded me to finally have an emergency fund, pay off my car in 2020, establish a will and trust (thanks to AO’s message last fall), and working on paying off my remaining school debt. God is good all the time and I appreciate Dave Ramsey and AO’s teams for educating our community in an attainable way.

[@d.h.8279]

EXACTLY

[@jojoangu901]

That’s right. Attainable. When I read his home buying plan with manual underwriting, I was done. NO ONE who follows his plan for buying a home would denied. Period.

[@roolyfe]

Do you get child support?

[@GreekYogurtGranola]

@@roolyfeshe answers that in the very first sentence

[@GreekYogurtGranola]

@@roolyfeshe answers that in the very first sentence

[@ClosRed]

I’m Mexican American, grew up in poverty and my parents didn’t finish elementary school. Been working the Ramsey plan and will be a baby steps millionaire in the next 5 years. My wife and I host financial peace university at our Spanish speaking church and many members have gone thru the course and have turned their financial mindset around.

[@rudysalomon8934]

As a Hispanic man sitting here listening while eating my taco 15.5 min in, I literally said... "AMEN" lol. I have an engineering background, love listening to Dave Ramsey. Today I am in a great financial place... I grew up in poverty and also went to jail a few times in my adolescent days. I now have a loving family and am a father to an amazing child. Dave gives amazing advice. I am looking forward to checking out your stuff as well. I usually feel there is nothing out there geared toward the Hispanic community but I think its a beautiful process when an individual takes the race away and opens up their mind to all who are trying to help and teach such as yourself. I wish you the best! Onward & upward good sir.

[@NUDiamond1511]

I'm a 51yrs old black man and I first heard of Dave Ramsey in 2004, when my pastor offered the class to our entire church family that wanted to take a proactive approach to financial literary from a biblical perspective. I promise if you practice it with discipline, it will 100% change you and your families live.

[@Powerfullpepper]

I found out about Financial Peace through Church as well.

[@ParkDari]

Thanks to Dave Ramsey my black husband and I are 100% debt free including home. We could comfortably retire at 55 but we won’t. It took us 20yrs. We never took out student loans because we worked our way thru college. I worked in a laboratory and he worked at every Fast food restaurant known to man. We got practical degrees that had us employed before we even graduated. It’s true we lived at poverty level but we didn’t need to look rich. We focused on becoming financially independent. Our average combined salary was $50k. We think the greatest gift we gave our child was learning to live at poverty level and still having a great life. The ability to maintain a $1000 emergency is absolutely the biggest step!! Thank you for the encouraging video!!

[@samanthiagoodleu5055]

People get sick of me talking baby steps but don't mind asking me for a loan. Listening to Dave changed my whole mindset, I was making 12.50 an hour with 3 kids in college. Worked so much overtime and stayed on budget which made that 12.50 look like I was making triple my salary.

[@USMC6976]

Doing what needed to be done. Great Job!!

[@suspendeddisbelief786]

Get it young lady! 👏

[@danyelgarcia3689]

Wow, what did you do? How did you pull that off?

[@DonteDashSmith]

How did you make that happen?

[@samanthiagoodleu5055]

@@DonteDashSmith I worked so much overtime which my job allowed. I'm not a shopper and did my own nails and hair. Kept my utilities low, no cable and no eating out.

[@tnmingle]

I started this during COVID and it was a life changer! Now that I have paid off everything, and have saved the most money I have ever saved in my life! I am free indeed 🙌🏾

[@LA_Confidential1]

Im Salvadoran 🇸🇻 and Dave's teachings have not only motivated me, but they have set me forward on the right path financially. Never did I think I would forget my culture, rather help my family tree achieve our goals

[@Jdonaleshen]

My husband is white but raised by two blind parents on welfare. I can’t speak to the black community but I can say that as a person born into poverty and had absolutely nothing, Dave’s principles work.

[@frothybeaver4869]

He always says “ get out of debt SO THAT you can change your family tree” aka be the first to create generational wealth in your family

[@Lovingmylife24]

I’m a black single mother and Dave Ramsey’s shows, books, and personalities changed my mind and life. They helped me get through the pandemic with a new mindset on how to make it financially and hold on to my stimulus check instead of blowing it. I will also say everyone that he is helping does not have inherited wealth. A lot of the white callers are having financial problems that haven’t inherited a dime.

[@jojoangu901]

Facts!

[@tinamathews7139]

Facts!!!!

[@willtacoma2ndgen661]

Exactly. I'm debt free because of Dave Ramsey. Black people are always looking for clout and views now, blaming Dave Ramsey for their life decisions failure. This is simple, just stop spending money you don't have in junk and stop trying to keep up with the Jones, and you will have a saving. The majority of people have a lot of unnecessary stuff to show people they have a lavish style such as a cable bill. I stopped buying junk since 2007 and now save up to 250k plus dollars in my savings account, plus I own my house 🏠.

[@jamesapt66]

Facts facts and guess what, more facts!

[@charlesbaldwin5157]

Somebody already said facts lol

[@kimhairston8562]

I went through the financial peace class and I paid off my debt making $400 a month. I was living with my daughter at the time so I had no rent payment. But I had plenty of debt. I have been debt free for 7 years!!!🙌🏾🙌🏾

[@dbigford2011]

I'm 35 and living in the Caribbean... when I tell u this year was full of disappointment and some serious trials ...... BUT ... the baby steps principles have helped me. Lost my job and had to use all of my emergency fund to stay afloat during this time. Rent paid ...bills paid .... still have food (Thank God) .... have to start all over in 2024 .... but I believe that it WILL work out !!! ❤ Thanks for your great work ....we are watching from all around the world🙏🏽

[@ddo920]

I'm black and it totally worked for my family. 40 yr old nurse marries to an engineer. 2 kids. No debt and paid off house by 39! In baby step 7. Living like no one else because for 10 years we lived like no one else. We cut all expenses and lived on less than 1 income.

[@donnaroberts4513]

I am at a stage now that I am traveling in my late 50 ‘s Still have some debts will pay it off at the end of the year. But one thing I am not doing is buying clothes and eating out.

[@greaterishe7197]

🏆

[@rf7856]

I'm a 57yo black male, I've just retired. I own my home and I'm dedt free. I've been listening to Dave Ramsey for two decades now. I've gone through many life changing events and because of the dedt free doctrine I have survived and I have thrived. I'm truly bless. You can learn from anyone no matter what color they are. You just need to be willing to learn.

[@Retired_Life_1]

Congratulations on your retirement. I retired last week at 56. I agree people can learn from anyone who is knowledgeable and competent. While Ramsey's philosophy does yield results many of my clients wanted a more secular nonabrasive messenger so I recommended my clients check out the Money Guys and their financial order of operations which is similar in principle to Ramsey's baby steps. Basically, people follow personalities that resonate with them.

[@TiaFaith]

Well we call him Uncle Dave over here. His teachings set us leaps and bounds ahead and we are forever thankful.

[@stephaniejones4675]

"We don't even sit at the head of our own table." Loved the part about taking back our table and the vision setting us up to build our own table!

[@colettedevieux998]

Thanks!

[@deejames2257]

I don't take anything Mr. O'neal or Mr. Ramsey says as gospel. I use their wisdom as guidelines. It has helped me tremendously.

[@katinalong5158]

Isn't that how it's supposed to be? You have to adjust it for your particular situation.

[@kimberlyjohnson5794]

I do the same. Not everyone has the means or are in the same position to pay off their debt in the same amount of time. I use the tips and wisdom like you said.

[@anthonyoneal]

I totally agree! I don't even take anyone information for the Gospel because they are not God! LOL

[@ninevanillaninjas1018]

There is a reason it's called "personal" finance.

[@truthseeker3881]

Perfectly Stated!!!

[@branditweety06]

I am a 31 year old black woman and I am going through the baby steps now and it is working for me! I have my 1000 saved, and have paid off all my $5000 credit card debt currently paying off my student loans which started at around $162,000 now at $156,000 since starting in August. And I make under 6 six figures but close to it!! I have had to use my emergency fund one time for a tire and it was $300 tire and wheel replacement which I was able to put back in doing a little bit of side hustling! I do agree that you have to increase your income to help during this process of paying off debt.

[@Teeyah2]

You go Sis!!!😁😁😁

[@tyronmegawatts6580]

He says that is having a bigger shovel.

[@ecoasis1]

NICE WORK! Keep up the good job you're doing and aiming for. GOD bless you on your journey to financial freedom !!!

[@SKC1913]

We are a black couple and the Baby Steps worked for us. We are debt free and are on our way to be becoming baby step millionaires. Thanks Anthony for addressing this. I started watching you on The Dave Ramsey Show and I am proud of what you are doing for our community.

[@justincaldero5174]

Goals! Well done!

[@GoodVibesNewlevel2023]

I just discovered you yesterday. I am so glad that I did because I have been praying for strategies to pay down debt. This was a message for me and I am all in. I am looking at your website now and trying to figure out where to begin. Thank you man of God. Thank you for listening to the cries of the people.

[@debratakagawa4764]

You can type Ramsey baby steps to get you pointed in the right direction. You can do this.🙌🙌🙌

[@MyBestVersionOfMe]

I agree with you 100%. I'm a young black man and I'm working the baby steps as we speak. And I can also proudly say I wouldn't be here today if it wasn't for all the help and guidance I got from people that were not black. My mom is Chinese and my dad is black and my whole life I've heard my mom say I didn't raise my son to be Chinese or black, I raised him to be a good person!

[@KM-li6jo]

I am a black woman. have gotten the book, used the baby steps, and gotten out of debt. I have paid off for my home. I now can help others if needed. It was NOT easy. I worked 2 jobs. I stopped eating out. I read Proverbs and asked God for wisdom daily as I went through my day, helping me to make decisions along the way. I believe that if you have the will, God makes a way.

[@ecoasis1]

AMEN KM!

[@rebekahsommers4744]

GREAT WORK!!! So very happy for you!!!!

[@graceelaine1230]

Amen❤ I'm glad to have come across this. I recently started the 2 job thing and I can admit it's really hard. But I want to be free and set myself up financially.

[@greaterishe7197]

❤❤❤

[@dorotheaanderson9482]

Shalom, My husband and I are 61 and 70 respectively ....We were not raised having financial knowledge..... We bought Total Money Make over and are following the BS. We are debt free except our home and have paid off 50% (265k) of our Mortgage in 4 yrs. (Bought home in 2020) Dave Ramsey Provided the tools, however The Most High God made it All Possible for Us......Lots of Prayer, sacrifice and Hard work!!!

[@Intentionaltia]

What I like about Dave and his principals are that IT DOESN’T MATTER YOUR RACE, COLOR, none of that. The steps work. It’s not easy but the teachings take time and they work.

[@crashtestdummy1972]

I am hispanic with mexico born parents, i was born in CA and faced prejudice and generational poverty too. I found Ramsey a few years ago, and it changed my life. I showed my mother Ramsey, and it is helping her to retire with money and a paid off townhome. People make excuses to create division like that woman. I was born into severe poverty and was able to escape.

[@casamequite]

Dave has books in Spanish if you have friends and relatives that are interested. I give them away as often as I can. Cheap on eBay

[@damonmitchum7127]

I took the Dave Ramsey course with my Wife. It changed our life. We took them principles and applied it to us and were able to stop multiple businesses. I can't knock his teachings.

[@mrcleojohnson]

This was very powerful 👏🏽👏🏽👏🏽 Anthony, you did an excellent job breaking this down because I've had several people telling me that Dave's teaching is not for black people. Like you, these steps and way of thinking have been working for me as well. Thank you for this video. This was really needed, and I've been sharing this with my family and friends.

[@Shreeree441]

Following Dave got me to believe in myself and stay focused. Paid off $62k in 13 months. Currently in baby step 3b with a goal to buy a house in the new year. Needed Dave for that wake up call that what I was doing before wasn’t helping the future “me”. Trust the process and deter from those who judge you. Those that judge are prob in debt and that’s not you anymore.

[@arienfox]

Right about that 🎉

[@snoopyblue917]

62k in 13 months is amazing please tell me how you started to tackle it. ❤ thanks in advance

[@Shreeree441]

@@snoopyblue917 first make sure your “why” is strong enough to maintain your vision. It’ll keep you from giving up. Zero based Budgeting and maximizing the income/minimizing the expenses were the strategies. Its going to be hard but understand it’s only for a season. In the long run, it’s totally worth it. Anyways, I started the baby steps and my biggest debt of it all was student loans at $58k so I put post it notes on my wall and wrote $580 on each of them (100 PostIts) And I made a game out of it to try to remove them from my wall. Worked a full time, part time and doordash/Ubereats. A lot of work but now I’m not working that hard as I was before and financially at peace working on new goals. You can do it! It’s possible

[@jonnyj7417]

I was in a bad situation with money in 2018. Started searching KZbin for help and came across one of Dave’s videos. Let’s just say I am in a much better financial situation since learning about the baby steps. It’s not about color, it’s about making smarter decisions with your money. We have to let go of the victim mentality.

[@SpringPit]

I'm African American Followed Dave Ramsey and paid off house about a year ago. It worked for me and my wife.

[@damarkjones7950]

Yo this is my first time watcher/listener and man I got two words. Thank you!

[@TheroyalelifeTV]

I found you through Dave...his teaching has taught me soooo much more than financial literacy through his real world advice about topics I would have never heard or thought of. Thanks to you both

[@lawrencerobinson2350]

It boils down to the last few minutes of this incredible talk. “We have to have serious accountability conversations about decisions that we have made with our money”

[@j.carter3714]

I am black and have been a huge Ramsey fan for years.. followed you after you left.. LOVE how respectful you have been and God honoring.. AND this is such a needed subject inthis space especially with the way society is today. PREACH bro! And may God prosper all you do! You are spittin FACTS!

[@greaterishe7197]

❤

[@Christensend]

At 42, I've come to realize that money is a tool. I’ve worked so hard over the years to realize that if you don’t make money work for you, you can’t experience true freedom. I’m glad I found that out although it was later in life, but that marked the turning point in my finances.

[@Christensend]

Herman Jonas is the brain behind my success. I've gotten into a plethora of assets with $43k spread across stocks (options and futures) for the short term and Roth IRA, index funds, and ETFs, for the long term. Now I sit back, and just reinvest at intervals while I handle my other businesses.

[@Pambegay]

Do not forget that when it comes to the stock market, prices can be erratic, rising and declining quickly, often in relation to companies' policies, which individual investors do not influence.

[@Carpenglerrr]

@@Pambegay I agree that the market can be quite unpredictable, but working with Herman has been a game-changer for me. His market insights and trading strategies are consistently spot-on. It’s not just about profits; it’s also about the peace of mind that comes from knowing you’re in capable hands.

[@Lungule]

@@Carpenglerrr How can I reach him, please? I've seen good recommendations of his work elsewhere. I need help with investing. I'm ready to pay for his services.

[@Carpenglerrr]

Sure, Hermanw jonas (a g mal comm

[@klt3065]

I love how God positions me. I just signed up for a financial class at my church using Dave Ramsey's teachings. Couple of weeks ago the Holy Spirit put on my heart I needed to finally budget and get my chaotic spending in order. The past week I have been removing "stuff" from my home (donating mostly) and awoke this morning at 1:30am with the spirit to remove more out of my closet. I have emotional healing to go through for sure, but most importantly discipline and obedience with my finances. And as I started to write out all my debt this evening, I stumbled upon this video. I loved your message; the realness, rawness and transparency. I needed to hear this and happy I was refreshing through YT. I look forward to moving closer to financial freedom. Oh and I signed up for your daily devotional, Overcoming Scarcity. 🙌🏽🙌🏽 Happy New Year!

[@LaKishaHudson-f5x]

This was very eye opening and worth my time. So perfect for such a time as this…God bless you Man Of God.💕

[@markcollins2270]

65 year old white male love your teaching and Dave Ramsey teachings you guys have helped out so much

[@brianadams6204]

Thanks to the teachings of Dave Ramsey/Team and Mr. ONeal the wife and I have paid down our $110k in debt to $10k and should be finished in January of 2024.Please keep teaching people you are changing lives. GOD BLESS YOU ALL!

[@randic.3662]

The baby steps worked for me! 🙌🏾it’s because of him that I discovered you, Anthony! I prefer your channel now, but I definitely respect Dave Ramsey & his advice. It took me 5 years to become debt free because of the income that I started with. Listening to the debt free screams from people who looked like me on his channel gave me HOPE. It motivated me to better my career & make more money to be where I am today. Thank you Anthony & Dave!! Wise people will listen to your (& Gods) advice 🙌🏾🙌🏾

[@jamesapt66]

Powerful testimony!

[@tanyaj.8482]

Same! I haven't worked the steps yet though but it's doable.

[@Danaanne365]

Love ❤this! I just recently started watching you and you have me out taking notes in a notebook!! This is awesome!! Thank you

[@hoperoesler]

Thank you, Brother Anthony! I Love you! God Bless you!

[@Dangerclose1]

I’m a black man from NYC, paid off 2 houses, am 100% debt free, and have been since 2016 thanks to Dave Ramsey teaching. I have 3 children and have retired my wife from work.

[@thefrugalcyborgmriii3531]

I’m a Native American who is blind and went through the Dave Ramsey baby steps as well and it helped me where I was struggling! This video was inspiring just the way you delivered the message!

[@jessicav1015]

👏

[@kdellison43]

If most of us are truly honest with ourselves we are not living within our means and we’re not doing right by our money consistently.

[@anthonyoneal]

Speaking FACTS!!!!!

[@jchris4090]

Facts

[@Intentionaltia]

This!

[@donnaroberts4513]

When the COVID 19 came three years ago and Biden gave out the stimulus check my brother told me he had a friend working at the mall and when some Black people came to the mall they were spending lavishly on Gucci Prada and expensive designer clothes. Some of us have the money but don’t know how to save.

[@fatimamanneh9432]

@@donnaroberts4513some just want to look good to others that aren’t even paying attention to them

[@darkskinamerican7826]

I’m a black Latino and I’ve been better handling my money every since I started listening to Dave Ramsey. Minorities need to let go of the woke victim mentality and go make that money!! Broke is a mindset. And I love that Ramsey has a black woman co hosting his show

[@Kim-je4vz]

Maaannnnnn you hit the nail on the head with this one. The secret to success is financial freedom.

[@19GREAT15AWAKENING06]

As a black man, following what I learned in Financial Peace University changed my financial life. My wife and I paid off around 60k of debt(cars, student loans,credit cards,line of credit)with the exception of our mortgage. We created a monthly budget and knowing about credit cards and debt has helped to be financially stable and build for our child. Yes there are culturally relevant obstacles that are faced, but that doesn't mean the baby steps and teachings aren't beneficial. If there is an obstacle present that Dave doesn't mention, add someone else that talks about it to your catalog, but don't throw all his info out because he doesn't touch all topics.

[@ASP2850]

I am black and was introduced to Dave by a black coworker who was extremely well off financially. What attracted me to him was when he talked about GOD and tithing. His teachings are basic but very beneficial and worked well for me.

[@NadiaNashay]

Anthony, 59:00 you touched on the root cause of the issue, which is taboo to admit in our community. The realization that the large % of middle class families/homes, had parents who were not good stewards of their money when they were young. That is a major reason why the next generation struggles, is burned-out, can't marry or doesn't want to bc they have the unspoken obligation to care for their parents financially as they age, due to a lack of financial literacy and DISCIPLINE. Even if we know better, we still are not doing better.

[@salliegal8932]

We did that exercise as a team building exercise at my job. I was so far behind everyone else. When my colleagues turned around at the end of the exercise and saw where I was several of them were very upset. I had to debrief with them to say, look with all my disadvantages I am still here so don't feel bad for me. Even at that time I was in a much better financial situation than over half of them. Baby steps are hard when you are choosing to live above your means and trying to impress others.

[@dmann968]

To God be the glory! Anthony you humbly set the record straight, not as a clap back but to help educate your listeners and community. My brother God bless you and yours, financial freedom is crucial to our communities, we have to stop making excuses,we need to get off the porch and get in the game. Let fire some people from out table. thank you for allowing God to use you !🙏🏾👍🏾👊🏽😎🤗

[@mickeyo2229]

I absolutely believe the Baby steps are about money not race. The bigger question is about learning how to built wealth , investing, property and business.

[@lolo7943]

EXACTLY! The question is, once you are out of debt, what are you going to do with all of that cash flow? Unfortunately, some go back to incurring debt again because they weren't taught how they can make their money work for them! Learn how to put that money to work!!

[@joselunarealtor]

Its like q diet . we need to treat it like a life style.

[@walterquick6180]

Brother ONeal, Dave Ramsey's strategies and Biblical mindset about money helped me and still do. I'm Black, my family is Black and my extended family is Black. I learned of Dave Ramsey back in 2006 while listening to a Focus on The Family broadcast, during my morning commute. Back in 2006, YT didn't have all of the financial talking heads of today. At that time, I wasn't aware of or exposed to any Black Americans (Christian or secular) teaching financial wisdom (not that any didn't exist). My family and I was DEEP IN DEBT from credit cards, taxes and student loans. I was financially irresponsible and I didn't know what to really do with money. I was struck when DR pointed out the scripture "Just as the rich rule the poor, so the borrower is servant to the lender. Proverbs 22:7-9" Following Dave Ramsey's steps helped me to become more financially aware and wiser. By 2012 I was no longer buried in the debt I once was. I used this to help my Black family out of debt slavery. Thank you Lord God. Thank you Dave Ramsey and thank you Anthony ONeal.

[@robertlunderwood]

Taxes? That's pretty bad.

[@ingababy5196]

Amen🙏🏾

[@walterquick6180]

I got into Dave Ramsey's books and radio show in 2006. Many of the current financial talking-heads were not around at that time.

[@jan854]

Worked for me! It may not seem like a lot but paid off 10k . It's all about mindset, discipline, and a realistic budget. It was hard putting down lumpsums of money on the debt that I owed because I really wanted to use it for vacation or buy things for myself that I really wanted. However I knew that if I didn't get serious about the problem at hand, it would only grow.

[@ritabyrd1955]

JUST DISCOVERED YOU THIS MORNING. WILL FOLLOW YOU. Been following Dave Ramsey for a year. I am @ baby step 2, and it feels great. A Blessing to have you and Dave Ramsey in my ear daily. Thank you.

[@MahoganyTaggart]

Getting ready to use my gift. And I am truly taken this conversation all in. Sincerely, Mahogany Brazil ! Thanks❤

[@alexandradarbyshire7433]

The baby steps worked for me, but we were DINKS during my journey and I lived with my then bf who was debt free. We have now been married 5 years and my debt was paid off right after the honeymoon. I’ll always love Dave for his polarizing, easy to learn baby steps because it works for the majority of people.

[@marcg2886]

I love it! Thank you, Anthony. Her message was based on emotion and not logically sound. Dave's message is universal and based on common sense.

[@ingababy5196]

Exactly!!

[@livurelife]

Absolutely. The best comment on this video and you deserve numerous likes.

[@linuxsurfer2002]

Exactly! Plus he has 30 years of proven experience and millions of testimonials that his plan truly works.

[@Queenk0526]

The baby steps literally saved my life financially! When my husband first brought it to my attention I was apprehensive, but eventually I started to grasp the ideals and see results within our finances. We are a single income family making about 60k with no debt except the house!

[@natalievargas9310]

I love all these comments!! Currently on Baby Step #2 and Dave Ramsey has definitely changed my mindset on consumer debt!!

[@ddd4702]

1:02 this helped me remember what I need to focus on in my personal life, my financial life, my ministry life. Thank you.

[@shannonpolice9365]

i'm a black female and i follow and subscribe to ramseys steps. they worked for me almost immediately. i'm still on bs2 and will be for a few years (bc i'm not gazelle intense), but almost immediately after starting the steps i went from being in the red week by week - to having money in my account and it was right on time b/c my mom got sick and i had to travel to get to her and then fly her back up to my state to live with me. i would not have been able to do that if i hadn't started his steps just the month prior. i have never been in the red since. and i'm down to my last debt (student loan)

[@naturalbrunette07]

The timing of this video could NOT be more perfect. I just began FPU with a coach for SINGLES. I am excited to begin this journey. I'm all in.

[@cajbaf]

Good luck...it can be done

[@designsbylaneej814]

Thank you Anthony !!! You preached a whole sermon today !!! Financial Peace is one Keys 🔑 to Success !!!! ❤Love it !!! God Bless You !!!

[@anthonyoneal]

Glad you enjoyed it my friend.

[@jadefranklin3339]

I wish I could give this 1000 thumbs up!! You are amazing, please keep preaching the truth!!

[@oluwafemiadegbemigun1947]

Great job Anthony, It feels good to listen to your explanations. 👍👍👍

[@demetria4573]

I just turned 25, and already paid off 100% of my student loan debt thanks to Dave Ramsey (Chris Hogan as well). Now currently working on purchasing my first home with the help of wise counsel, including Mr. Ramsey. My parents were (and still are) broke, and always had a scarcity mindset, but I am responsible for my own life, and my own choices/decisions. Either you're going to put in the work or you're not. That's on you.

[@brittanyb5942]

There was a black family in my area (they have since died years ago) but the wife was one of the first black teachers at our schools back in the 60s. Her husband owned a slaughter house. They died not needing to be placed in a nursing home bc they saved their money and had home health nurses and hired care givers to take care of them.

[@greaterishe7197]

This 🔥

[@HaroldjUSMC]

Preach black man preach!!!!! You made me cry when you were talking about taking food home to your family. I did the same thing when i was a sophomore in high school in S Philly. I would get out of school ,go to baseball, or basketball practice, $ work @ the academy of music then walk home 11 or 12 o clock @ night thru gang territories because i had no money for the subway @ take food home for my mom@ dad to eat. I can’t wait to fire my boss!!!! And sit @ the head of my table.

[@mnetawork1995]

Amen! Hallelujah! God Blessings upon you Anthony Thank you for your wise truth. Love & Respect to you from New Zealand 🙏😊❤

[@paulinlasvegas]

I'm mixed race and I've been poor all my life thanks to my own foolishness and lack of people really caring to mentor and instruct. At 52 I bought and read baby steps millionaires and total money makeover. After reading them and applying the easy to follow principles, I've been blessed and inspired to follow through on Dave Ramsey's Biblical teachings. In doing so it's allowed me to pay off my home as I'm now building up my emergency fund and retirement portfolio. Now at 55, I still have to grind as I work hard for a living but, the peace of mind of having my home paid off has lowered my stress and blood pressure alot. I'm very thankful as this excellent video by Anthony confirms how blessed and fortunate I am because of hard work, sacrifice and common sense mentorship from great teachers like Anthony and Dave. We live in age now where if you're determined enough with a good work ethic and a little discipline anyone can achieve anything. Race or background will not hold you back if you apply the Biblical principles of stewardship explained in his books.