Things to Stop Doing With Your Money in 2025

[@amandaschmitz6384]

1/1/2025 was actually a new year for me. It’s my first year without a student loan payment. All I’ve got is my mortgage! Thank you God!

[@jancherry3]

Same!!

[@brendaanderson649]

Great job!

[@WealthyChronicle]

Confession: I used to avoid looking at my bank account because it felt like 'negative energy.' 😬 But after hearing this, I’m finally facing it!

[@melissajones7655]

I check my accounts daily. One morning I opened my account to see two payments to Lyft. That was during the pandemic; I hadn’t left my house in months. Because I was checking, I was able to shut that down quick!

[@jsdreams4]

Good for you!!! 💪🎉

[@patriciamcbride3038]

I am with you on this path!

[@FlaNative3]

But is it better to find out after the fact that a payment bounced? It will be way less stress if you keep on top of things to avoid surprises. You're budget etc doesn't have to be perfect (no such thing, it changes as your life changes), but just paying attention gives you more control.

[@joepotaczek]

​@melissajones7655 same here have 3 different banks so always look every day happened twice where I seen small amounts taken out and had it stopped have spend alerts turned on now also

[@emilywild21]

I started the baby steps a few months ago. And I paid off my first credit card today!! Still a lot to go but it felt great to be able to put PAID next to one of my debts! 🎉

[@TheLanard]

I remember when my grandmother went shopping, when the clerk asked how will she pay she’d always say, “Cash”. It made me feel “rich” hearing her say that because it meant she had the money to buy stuff and didn’t need to borrow it from credit. I’m using that now. Haven’t used credit in two months. I know it’s not long, but it’s a new beginning for someone who used it for everything.

[@MegaMarlon0123]

George is actually a comedian 😂

[@chuckannd6034]

Since I started watching this show 2 weeks ago, with binge watching all the past episodes, I have laughed so much. This show is exactly what I needed to get through a difficult time with my husband's health. I don't even watch it for the financial advice cuz I'm all set in that regard. I just like Rachel & George and their banter. I wish this show was more than once per week, cuz they have me laughing all the time.

[@ungphuc]

Hahaha George speaks his mind. I like it. “You people need better personality” 😂

[@Pandorash8]

A win for 2024 was that I finally convinced my parents to be their own “credit card” by having money in an account that they use for purchases instead of a credit card they used to keep near its limit. Yes! 🎉 But I have some financial challenges coming up this year, so time to strap myself in for 2025. Happy New Year everyone! 🥳

[@brendaanderson649]

I am impressed that you got your parents to do it.

[@treslawless4650]

Ecclesiastes also talks about “lifestyle creep” in the futility of riches. “One who loves money will not be satisfied with money, nor one who loves abundance with its income. This too is futility. When good things increase, those who consume them increase. So what is the advantage to their owners except to look at them? The sleep of the laborer is sweet, whether he eats little or much; but the full stomach of the rich person does not allow him to sleep.” ‭‭Ecclesiastes‬ ‭5‬:‭10‬-‭12‬

[@FlaNative3]

This is so so so true. I received an unexpectedly large inheritance and it immediately felt like a weight. Then I started shopping ... but that was just to avoid emotions and 90% of the purchases went back to the store. Soon I realized that this was a responsibility that God had assigned to me because we have always been frugal and on a budget. I can help charities, friends and family members if I choose. I take all decisions to prayer and ask God to give me wisdom.

[@alightened]

Dude. Great catch!!! I love this

[@JimenezB385]

I love Rachael and her random rant on her neighborhood groups 😂💕❤️” I started a local Bible study “ I’m here for it

[@TizBaz5]

Sometimes I don't know why I watch this. I am responsible with money and get anxiety anytime I need to spend it. Maybe to feel superior to other people and nurse my insecurities.

[@TheLanard]

The one thing I stopped doing that made a difference in my credit card usage is thinking of my credit limit as MY money. It’s only the amount available to me to borrow, with interest. Even if I pay it back every statement and avoiding interest, I’m borrowing it. It’s just best to use my own money for purchases.

[@elizabethwollmann1099]

People please declutter!! your life I guarantee you will be more peaceful and happier, who wants all that stuff ?

[@Miss_Dani_DWhit]

Amen

[@annahopp]

I own 80% less than I did five years ago. 99% less if you count the ten cars I had by weight. Life without junk is so much better.

[@FlaNative3]

Omigosh - will someone please tell that to my neighbor? Things are piled up everywhere inside and outside ...

[@marciaknight9308]

I had to laugh... Our family motto is, "It was on sale." My dad was a door greeter at Walmart, and he would always tell us when there were sales going on. He was the worst influence if you were trying to save money. 😂

[@harpjason208]

Sitting in with/ listening to you two is uplifting. Lots of good points cloaked in snarky, fun banter. Keep it going.💥💥

[@lillithdv8]

i love their energy and the pile-up of mixed metaphors had me in stitches

[@haloimplant7678]

On staying up late George still has that 20s and 30s energy. I was like that but now my body will just start turning off lights and head to bed without me thinking about it, it has decided the day is over.

[@LMJ2788]

You two are a riot and also so relatable! 😂 Thanks for all you do!

[@CalvinHillMusic]

I look at my bank accounts, atleast 6 times a day 🤣🤣🤣. I need to know what’s going on, how my money is growing 🤷🏿‍♂️

[@ninerknight5351]

My wife and I are almost done paying back a half million in student loans. Told her I estimated that I logged into the account 50,000 times in the process.

[@parvanirose]

@@ninerknight5351It’s so satisfying to see the balances on anything decrease!

[@paulg2132]

What do I want to stop in 2025? People who say "Prolly". The word is "PROBABLY" !!!! Thank you 😎

[@danielsvideo]

Wish I discovered you guys earlier! You're hilarious! I am on a quest for a few years now to better manage my finances and find some better ways to save for retirement. I was starting to feel a little bit disappointed and discouraged, because from what I researched, it would be quite a challenging journey. As I recently discovered the 7 baby steps, and signing up for all the newsletters, taking the tests and whatever resources I could find (from Ramsey, George and Rachel), but since I'm not based in the US, not everything applies to my situation though, surprisingly, It looks like I'm at step 7! Which is amazing for me! It really gave me the encouragement and confirmation that I'm on the right track! Thank you! Very grateful for your work! ♥

[@JRider533]

You two are the best! Love watching your podcast! So so informative and helpful. Have a wonderful 2025 🎉🎉

[@letsreasonforamoment]

Happy New Year, George and Rachel 🎉🎆🎊

[@Turtle3000]

Cancelled my gym membership thanks to you guys today! I’m getting more active just by walking… I’ve had this gym membership for about 6 months, and I know, I will not go.

[@jennifersparks7611]

Well if you want to work out at home get some weights and bands and just look up anything on KZbin. I do senior fit. There's senior chair fit. You can look up jumping on a trampoline. Yoga and so on

[@Turtle3000]

@ definitely! I’m getting in more walking and what not! I do have a weight that I use, so mostly going to do body weight exercises!!! :) thanks!!!

[@Humblequeen-m5c]

I love my gym membership for Sauna twenty/thirty minutes stimming away my trouble

[@philg6613]

Once a year here in the UK, I look at all of my subscriptions from TV streaming to music and health apps to see which ones I hardly ever use, or those I can easily live without. And at services like hair dressing, where the prices keep rising (I cut my own hair successfully during Covid lockdowns). The total I can save in 2025 is Pounds Sterling £1,303 - US $1,577. Money I could be using to invest and grow. Everyone should do this audit at least once a year, preferably every few months.

[@carolyncook6970]

Take yourself with you wherever you go!!

[@janeellis4926]

Many people DO pay off credit card debt every month.

[@Farbar1955]

Same here. If you have credit cards for travel (miles/points) then they should be used like cash you already have, not as extra cash. If you spend $300/month on dining out then you can put that $300 on your card, get the miles/points while keeping the $300 in an interest-bearing checking account, let the interest grow while that money sits there, then pay off the card with that same $300 when it's due. The key: DON'T SPEND THAT $300 ON ANYTHING ELSE! There are thousands of people who do this responsibly. You have to keep up with this but you should be keeping up with your money and expenses anyway, card or no card. I flew all over the USA last year solely on the miles/points I had accumulated and I was not out of any extra money and these were trips I had to take anyway. If I paid cash I would have had to spend extra money. Instead, I saved money. Again, you have to be responsible for keeping up with everything but you should be doing that anyway with any of your funds.

[@strixt]

@@janeellis4926 Wow, many people DO? That must negate the majority that DON'T.

[@alexreader7673]

I've never heard an analogy more stretched than that hahaha you guys make my day! Happy New Year from the UK!

[@the_different_dad9943]

Just a little tip. Whenever you subscribe to anything. Look at the renewal date. And put a reminder in your phone calendar as an alarm. Either a week before or two days before. So you can cancel in time. Or use a burner debit card so it never comes out of your real account.

[@antonialovesyou4462]

I get Delirious 4pm PST so I understand. Being an Early Bird since a Toddler has always made my Mother mad and it's hilarious. 😹

[@SupernovaFallout]

Love it that Rachel came straight here from wine club 😂❤

[@jocelyngelms4117]

I understand your perspective on credit cards, but we pay off our every month and keep on top of our spending along the way. I know Dave always says that nobody got rich off of points, but we get points on our card through our business purchases as well as personal and the points are used on groceries right at the store checkout. We shop at the discount grocery store, use price-matching, couponing and rebates and save approximately $60-80 off the groceries each trip with the points accrued. This has really helped keep our food budget on track with a family of 7. We don't use points for gift cards or travel, but save for those in sinking funds when we make those plans. We shop for most of our family's clothes at thrift stores, for frugality and sustainability, not necessity. We are also about to pay off our home in the next 6 months. We have no debt, a fully funded emergency fund, resp's for kids and some retirement savings. What's your take on this?

[@krissifaith6709]

If you are late once...or dont pay it off . Not worth it. We ran our business on cc...6k-8k/mth didnt offer enough rewards for a week of groceries. Also, it tempted us to spend more than usual. Also, 76% of folks do NOT pay them off each month.

[@strixt]

Most rules aren't universal, they are general. 97% of people don't redeem airline miles so those are irrelevant, around 60% of people don't systematically pay off CC debt (and things can/do happen to part of the other 40%), and cash back for those that don't keep it paid off every single month don't add up to the interest accrued. There are people that can manage it well, yes. Most don't.

[@bettedavis9261]

I'm one of those "pay off my cc in full every month" people...and I'm in BS7.🤷🏼‍♀️

[@maypzar3537]

Good for you and do what’s best for you, don’t take it for you however there is majority that doesn’t pay them in full Millions, or the trillions we are in debt as a country, the percent of people that doesn’t pay in full is the majority that’s why CC still in business, a lot of people should never have a CC and that’s the true

[@bettedavis9261]

@mayteesalazarperez3537 I agree 1000% percent with you. There are loads of people who shouldn't have access to credit cards. Not everyone is responsible and disciplined.

[@6788tappleton]

Then your only in baby step 7 for part of the month. It's proven that people spend differently on credit cards.

[@bettedavis9261]

​@@6788tappleton thank you for your opinion. Since I don't spend much, I'm on a strict budget, every purchase is plugged into my budget BEFORE I put it on my card, I respectfully disagree with you. I never go over budget in any category, but thank you for your concern.

[@bettedavis9261]

@6788tappleton "you're" not your. If you're going to criticize someone and speak into their life, please do so with the correct spelling. Thank you!❤️❤️

[@shantakoa8596]

I use my credit card for emergency BUT I have the cash in my emergency fund to pay it back. one time I learned !!!

[@lyndahammel9502]

I pay my credit card as soon as it's due. I opted for cash back and cash it in in December. Typically I get a little over $1000 which isn't alot but I'm happy to have a bit of Christmas money.

[@erikabalderas4367]

You all are hilarious and fun! Thank you for the great advice.

[@scottyoung7414]

Getting back into the Ramsey network, love this pod, super casual and fun, been binging all day

[@mayraysann7480]

First time listener! Here for the energy 💫

[@musicman76enator]

Happy New Year Rachel and George!! Two of the greatest people ever right here. Aww heck everyone at Dave Ramsey Solutions is the greatest ever. Thank you for getting me, and millions of others, out of debt. May 2025 be the best ever for you all. 🙂

[@KalynLubinsky]

When I break out in laughter during a podcast, it's a good one! Rachel and George...you are the best. I have followed for a while and look forward to each one. The side effect is learning something new. Win...Win!!!

[@rachaelholderman9677]

Rachel is an inspiration to me as I misspeak like her so much!

[@biancas.6283]

😂

[@stacieswanner7974]

Love your sweater Rachel!

[@laundrygoddess4]

I get on twitter for news. Well, doesn't that just say everything you need to know 😂

[@Jane-rh7tc]

a lot of ppl get their news from tik tok too

[@laundrygoddess4]

@Jane-rh7tc it's ridiculous. But twitter is worse. It's the darkest cesspool of misinformation out there

[@denisemckinney3973]

Our bank account was hacked once. Ever since we check it almost every day. We also use Every Dollar and budget every month. There is security in keeping up with your bank account. Peace of mind.

[@shelleyirwin6104]

Burn The Ships is a great For King and Country song! 🎶

[@tara.kurang]

Yeah, that's true, I listened to it too throughout the pandemic. Along with the shoulder as well.

[@chooselovetoday]

Rachel is like me...we say "sayings" wrong most of the time! 😂

[@MosesCortez-t3h]

Happy New Year 🎉

[@CYCO1631]

Burn the Ships'... nice For King & Country reference! Good song! Also, you want to keep your rods in the fire... or else (as the Soviets learned) your reactor melts down and explodes! Great show Rachel & George!

[@alexemocling]

Bon iver to Michael buble reference got me 🤣🤣

[@sand9550]

Always take the trial and “immediately” cancel. The trial period remains but that way you don’t forget to cancel after the 3-7 day period

[@josephlabranche4889]

KZbin is my social media 😂 and news source

[@peggymcnees2396]

The brunch area sounds like an excuse to buy expensive food to get more pics for social media. I'm okay with missing it.

[@adrianadarnell]

You are doing a wonderful job 👏👏

[@moneywithjustliving5258]

I know this is off the subject but Rachel could you do a segment on eating healthy. How do you stay so fit? What is Rachel's diet like?

[@alightened]

Protein, no sugar, exercise, no soda, don’t overeat. There you go

[@rosedewittbukater5763]

It's the little treats that get me. Starbucks and all the coffee places

[@angelabatko8491]

We haven't used a credit card in years like probably 10 years and I haven't needed too, I stayed home with my twins until they started school and money was tight, we used the credit card 2x during those 6 years, once for diapers once for Christmas presents. I still have it but I hid it so we're not tempted to use them.

[@krissifaith6709]

I am lovin this series.

[@reetayoung]

I'm 71, retired, no savings and up to my neck in credit card debt. I don't know how to get out of this

[@sherryingle]

not too late to apply the Ramsey principles. use the free every dollar app and start paying down your debt...smallest credit card first.

[@sand9550]

@@sherryingleno savings. Probably doesn’t have the money to play the snowball.

[@sand9550]

At 71 if you have your own home it might be time to cash up. Some people sit on their home when it could potentially pay your life style for the next 20yrs.

[@osmbsmy.706]

The sales on something you paid for in the past is the toughest. "I paid $50 for that and now it's $35?!" Then it's "What am I a moron, that I wouldn't buy this thing?" Then you set the toasters next to each other on the counter... a penny saved!

[@dkrongel]

weird how even in a personal finance channel, we are still getting in-script ads for a bunch of subscription services. Hammer-heads too.

[@maraisunsure]

Stainless steel dishwasher is how I knew i made it. 👍🏻 but also traveling multiple times a year in CASH.

[@AnchoredinLight]

I'm not a starbucks person either, but I do love the chai latte or the blonde roast.

[@Allybaba55]

The brunch thing made me laugh. She definitely missed our age groups brunch era starting up cause she had kids like probably right when we could all finally "afford" to do it lol

[@amatureprofessional]

😂 I thought the same thing….10 years ago is when I literally had a friend brunch group it was the best!

[@mikem7489]

Happy New Year

[@katyedwards3935]

I think it's funny when she says, "Dave and Sharon".

[@Lolamack]

“Rick’s Boats”. 😂 IYKYK

[@samcepeda271]

Favorite Podcast!!

[@Builtforsuccess8119]

Ha I love your personality George. I'm a Taurus as well and relate to you so much! Hahaha I'm not a fan of dairy drinks either. Great tips Rachel and George 🎉

[@johancuellar6358]

2025 review all bills and do a comparison on prices. Go looking at car insurance companies and ask about prices for moving to their company. Check out gym membership options, we just discovered CRUNCH and went from $70 monthly to $25! Home insurance might have gone down in certain areas and companies (a stretch but maybe). You mobile carriers! Please compare along with internet and maybe you don’t need cable. At least make plans to not renew and know where your going next to save money🎉. 2025 for the win🎉🎉

[@MrSkinny602]

CC as emergency fund...... I have moved to another emergency fund but at one time I did say that.

[@rebeckawoods6093]

Elsa's 21st birthday is the day she was officially inaugurated queen (the same day she ran away to make a magic ice castle in the mountains.

[@jmiller2208]

Just makes me want to visit the Ramsey show … 🍪 ☕️

[@johancuellar6358]

Learn to make your own fave drinks at home and carry with ❤. I leave out the house with three drinks usually, matcha, coffee and smoothy. Yuuuuuuummm

[@johnclaybaugh9536]

A lot of techs worked overtime to make sure our computers wouldn't crash with the y2k.

[@algorburn6212]

I always wonder... Those ads they're discussing about like the one to delete your presence online or cozy earth, do they really use it themselves and also paid what we paid or since they got sponsored the got the services and items for free? I doubt Rachael with her quantity over quality mentality would really buy a cozy earth sheets or PJs compared to cheaper brands from Amazon or target

[@DickensFangirl]

The Ecclesiastes thread is everything 😆

[@Princess_karen]

Alcohol is very expensive and becomes a stumbling block for many people. Watched it destroy my family when I was young and again in my first marriage, he died at 44 because of alcohol. It destroyed our family and his life. That is the one thing I didn’t want to see here.

[@luella1250]

Have a financial question, I have all the Ramsey steps in place but I did run across an issue REQUIRING a Credit Card. When I traveled and went to the CAR Rental they required a CREDIT CARD, refusing my DEBIT. I was able to rent a car from another company that accepted my DEBIT but it cost me triple. How does someone handle this kind of issue?

[@CYCO1631]

They probably didn't charge you triple, but required a larger security hold, which was refunded if you brought the car back. It's unfortunate that car rentals exist that turn away debit card users. There just arnt enough of us to hurt their business.

[@SMW62]

This is why I keep a credit card! Having a big hold on my funds that may not clear for several business days stresses me out. It’s also come in handy when I was double charged in error for a significant purchase when traveling. My credit card company handled the disputed transaction and gave me the money back in 24 hours.

[@NiRaSis]

I treat my credit card like my debit card. I benefit from the rewards and have a lower risk of fraud affecting me in a super stressful way like someone wiping out my checking account 😮

[@stephen2wheels]

Aww man, you called me out while I was eating my treat I justified (donuts and Arizona Tea).

[@carlaivey8735]

I also read Living Life Backwards in a church book study. Great book but was a hard read at times.

[@EleanorRoseRyan]

It’s like Bon Iver into Michael Bouble 😂😂😂😂

[@brightpage1020]

One of my bosses made me check the balance daily and he'd randomly quiz me throughout the week. But I wound up eearning about biz finances and earning a promotion to exec finance & marketing director poposition. If I missed or didn't know off the top of my head within reason, there would be hell to pay.

[@dy524]

I work in part sales, and I had a customer in the other day who had to put a $500 bill on three different credit cards.

[@KaliG01]

Veranda blond roast 👌🏽

[@gabreilthompson5085]

And additional theory is that Tarzan is their brother. <a href="#" class="seekto" data-time="1760">29:20</a>

[@24dtube]

Rachel gets me 😂

[@Nancy-1w]

Happy new year! last year, i implemented a strict budgeting strategy to track expenses and set clear limits, while also focusing on a smart investment approach. In just six months, my investments grew by over $70k boosting my savings and financial confidence. This combined strategy has set me on track to achieve my long-term financial goals, and i'm hoping to get to a million plus this 2025, so help me God

[@Florencewalter-o4s]

that’s incredible! What’s the secret behind this strategy? How did you manage to save up so much so quickly?

[@Nancy-1w]

Working with Lorrie Greta Hillard , a financial advisor, was a game changer. She helped me refine my savings strategy, including retirement planning, and provided expert guidance on investments and budgeting to maximize my savings.

[@Florencewalter-o4s]

Got it! Thanks for the tip! I was curious, so I looked up Lorrie

[@William-y1d-l5c]

that's an incredible goal to set 2025

[@tduck828]

Also I love to shop online and not using my debit card online as prices are much better online. I went to academy and a pair of shoes was $80!!! Whattt?? Went to Amazon and same EXACT pair was $40. Yep totally bought them!

[@martyashka]

Beautiful nails Rachel 💅🏻

[@catherinehinson2039]

Real Question: When it comes to "not using your credit cards as an emergency fund", would you guys not hate the idea if this was done during Baby Step #2? Currently, the hubs and I have a $1500 emergency account, but we still have credit cards that would cover a larger emergency. (i.e. $6000+) We don't use it for small emergencies, only if something catastrophic were to happen. If this option is NOT okay, should we go ahead and switch our priorities and save a larger emergency fins? Right now we are in full snowball repayment so every extra dollar goes to debts from when we were young and stupid. Thank you for the advice.

[@alexreader7673]

24K views but only 986 likes? Come on guys everyone come together and like the vid!

[@eddieyoung3856]

Blonde Roast is Starbucks best coffee and it’s terrible. Yet, I’m from the Northwest. 😂

[@Briely3]

Yall are hilarious Thanks for the laugh this morning!!

[@joshmatthew4125]

You can't say your old school and say sticks in the fire. 😂

[@mellasonsouthern5359]

I stop shopping on line.

[@HeSaidICouldntDoIt]

King and Country song "Burn the ships" my favorite!!!!

[@republicunited2183]

I used to love eating at Schlotzky's. They closed by my house. : (

[@annahopp]

Schlotzky's used to be my go to place for fancy lunch. None left around here.

[@alyssarogers4352]

I used to work at one. Not sure how far up things went, but the owners of our buildings were horrible bosses. No respect for the workers, penny pinching (if something broke they wouldnt get it properly fixed, forced us to take unpaid lunches, lost their minds if i went 2 hours overtime when i was needed by our manager. The manager had been working with them for 5 years and they never let her take vacation.) They always assumed we were lying about stupid stuff we werent, etc.

[@kimanievans168]

George has a problem with everyone if they don’t fit in his little box.

[@WLDiaries94]

Wow George

[@tomwilson9103]

These kids are hilarious

[@hmselena]

you guys, you burn the ships "at the shore"! Critical part of the metaphor!

[@CYCO1631]

'Step into a new day! We can rise up from the dust, and walk away. We can dance upon the heartache! So light a match, leave the past, burn the Ships! And don't you look back.' ~For King & Country.