Stop Only Listening and Start Applying!

[@kimberlybotkin7060]

I absolutely love when Dave calls men ‘honey’ 😂 He is one of a very few that can pull that off

[@michelleparks4582]

I was like umm, did he call that man honey? Well, ok then! Dave just busted out a bless your heart to this man! 🤣

[@utarsh01]

See it's not about honey, they are so fked up in life that they could care less for what they are being called on the show. They want answers not trade insults. 🙂

[@onehamm4462]

😄

[@soneitenco]

same he’s so sweet

[@XxN8iVeSc0uTxX]

That was kinda cool huh 😂

[@Bumblebee-jl3ur]

I love Jade and Dave combo. They are perfect together.

[@Razdasoldier]

I hope this make it to Dave. I am so proud to say that after giving your book to my sister and mother they have both decided they have had it!

[@Razdasoldier]

Mom signed up for doordash, I am donating plasma, and Sis and I are both going to sign up for doordash

[@bluebelle9572]

Well congrats to all of you! Stay strong the journey is different for all, but worth it. You can cheer each other on.

[@CoffeeWithFred]

Jade is a keeper Dave! Nice smile, good advice, and great energy on camera!

[@janegem5481]

Jade is my favorite cohost. She deserves her own show as well!

[@Ronnfn360]

They are straight to the point. No nonsense! I love it. No sugar at all

[@flygirl2447]

"You can't let ignorant people make your decisions for you and set up the boundaries by which you run your life" YES, Dave.YES. You are 100% correct! Too many people allow this and it sets them up to be victims their whole life. Every person on Earth has their own challenges to overcome. That's just life. It's what you do in the face of the challenges that determines your outcome. If you want mediocrity, then keep being a victim. If you want more than that, change your mindset to someone who has abundance and gratitude in their life and who will be resourceful and work hard and sacrifice their wants and instant gratification for the bigger picture. The great thing about changing your own mindset is that everyone has this power. And it's amazing how God makes a way for those who help themselves.

[@AnyoneCanResell]

I love jade! Her voice is relaxing and she’s very motivating too!

[@blondebody5187]

I have to say, my husband and I were HIGHLY disappointed by the event in Indianapolis. We got there early and we’re immediately told there were no seats left (there was at least 100 people standing behind us in line too) and told we could watch it on a TV outside. I said I would like a refund if we have to watch in the screen and they said no. They said they could probably get us in somewhere to see the event and so I stood, pregnant, packed in like sardines in a spot in the very back where we could not see in any way. I clarified with someone after why that happened and they said Ramsey just sold as many tickets as they could regardless of capacity. We were not offered any sort of money back and will not be attending any other events. Sadly we were very excited for this and didn’t get to watch at all!

[@rivkacohen5901]

Jade is amazing!!! I’m so happy they have her on the show now. Such a strong, confident and kind woman to listen to and look up to.

[@olgasuner999]

It’s amazing the work that goes along with what Dave and Jade do. It takes a lot of listing educating, responding which can be draining. It takes a lot to seat and listen to every individual’s problem and try to come up with solutions that are helpful in a long run. I do this type of work and know how much time and energy it takes. Good for them for the show they got and work they do. 👏

[@_Renee2]

“Necessary endings” Jade is awesome! Your mindset determines your destiny. Dave’s no nonsense, no time for tears, find a solution and get moving (yet delivered with compassion) is truly a gem!

[@NaturalWifeyandMamaBear]

JADE, YOU ROCK! You’re an AWESOME addition to the family! KNOW THAT, AND IGNORE ANY OF THESE NEGATIVE COMMENTS! Love y’all! God bless.

[@vanessahernandez8908]

I love this show!!!! I’m learning something new on every call even if it does not apply to my current stage in life.

[@nakeyagore8356]

Same! It's so impactful, particularly if your family didn't have or share this knowledge. I'm so grateful.

[@Mikemikemike232]

"And now I have new bushes" that line cracked me up. Love the show love the honesty and sincerity. Keep up the good work.

[@lindyf381]

Wow! Congratulations Billionnaires - well deserved. Watching from England. I love the 'No BS' straight talk of this show. Its my favourite show. Love you guys. You do an amazing job.

[@kaelaleedaley]

Watching from Wales and loving the straight talk! :D

[@dianawilliams8801]

Listening from England too

[@Trustbutverify2651]

I think maybe it's millionaires, not billionaires? Most billionaires would not be watching this show - they are flying around in private jets, taking care of their businesses.

[@mmp495]

A billion dollars to mark the debt free screams! Congratulations! Great things from great people. 🎊 👏 💐 🥳

[@warrior5203]

Young lady! You have substance and testimony of your own which makes your talk concrete and inspiring! Thank you! Dave Ramsey! Finally i understand what you mean by debt is just mindset of a number not how much you make !

[@ruthirwin8222]

I love listening to u guys, i have no debt, but am spending too much so this month that stops and im putting as much as posdible away, have Christmas baking done and shopping nearly done and its not even november yet

[@av-lz5db]

So happy to hear sound, solid financial advice from the master, Dave.💲

[@Razdasoldier]

Better Dave the master than from master card xD

[@thegroovypatriot]

Thank you so much. Jade saying mindset was more important than anything systemic is profound. It reminds us the we have the power to change. We are empowered! Gorgeous.

[@carlagribi6142]

I remember how painful, ashamed and downtrodden I was, flitting between wanting to pay my debt and file bankruptcy. This played in my head for lots of painful months. I prayed on my knees and in my heart wrenching with my decisions. I eventually came to the conclusion to honor my debt. Shortly after that, God released and settled an Irs thing and started to get clear of the debt, not mortgage (death grip), and became free of debt. Closed all cards and walked free of financial obligations. It was long, painful, and hard. Sometimes humility is required.

[@halfmoonyogi4997]

Im READY to be debt free. Got myself a part time job and a raise. I'll be working 60 hrs a week for the next year. I've been here before but every time I throw money at my car payments, something happened to screw me over more than 1k could cover. I totaled one and was left with no car and no savings, and the next one had a recall on the engine that the dealer and manufacturer wouldn't acknowledge until it was too late. Again, no car, no savings, so I couldn't get to work from a rural area. This time I am doing it again, but I will have 1k emergency fund AND be one month ahead on all my expenses, so I feel more secure throwing every cent at the debt, knowing I can eat and have a roof over my head for the next month and a half. I wonder if Dave or anyone else following the baby steps ever thought to add this step in there?

[@37ccooper]

Hi I been looking @your show for a short time and I never heard no one teach about credit and saving the way u teach and I’m so glad for your show and I’m saving money now Thanks Thanks Thanka

[@chickapea22able]

I think Jade and Dave compliment each other really well ☺️

[@SJhikes]

I am really pulling for Jarixa. I truly believe that she will use capitalism and the Ramsey principles to escape government dependence! It’s still possible 2023!

[@p.sherman3158]

I hope so but my thoughts during that call were she has 5 points on her license which is serious and claims to not know how that happened. I really don’t understand why they were so “moved” by her. She has made horrible decisions and never owned up to them. I don’t understand what they heard in her story.

[@SJhikes]

@@p.sherman3158 yes, that part did strike me as odd! As someone who was recently in a fender bender due to someone being totally oblivious while driving down the road, it’s also concerning lol

[@diananixonbowerswright1913]

I understand their compassion and care. She's a young single Mom that made some mistakes for sure but called the show worried and for help. I wish her well and success out of the mess she's in.

[@nilsagomez1]

I'm not surprised that you have 1 billion viewers or a Billion Podcasts viewers this country is hurting financially there are a lot of people who need financial peace thank you for everything you do

[@beez2013]

Great duo with the goat of finance . So grateful for all you do for everyone 💕you are a timeless hero mr Ramsey

[@leslieaharden6183]

DAVE RAMSEY for PRESIDENT 2024!

[@Razdasoldier]

Congress couldn't handle it

[@lizrozon6308]

Thinking about signing up for her class. I have a feeling I’ll get whipped into shape!

[@alinejames2783]

Yes! Jade and Dave are so right! Anyone can go ahead! Don’t have a victim mentality and get better in life! Love your show! 🥰

[@lindsaycloud2905]

I really like Jade, her energy is fantastic!!

[@topsykretts2264]

Love it when Dave gives insights on small businesses!

[@savanah1407]

Yay for all of the Billion milestones!! 🎉🎉🎉

[@jenniferbrown655]

Dave and Jade you rock awesome team. Thanks for you help. I am listening.

[@francoisduquette4588]

The last 5 minutes of this episode was wow! business lesson for free! thanks Dave

[@viaaki2247]

Loved Jade follow up question too, very informative show.

[@lilibethvilella]

Love Ramsey’s directness 🔥 we need that!!!

[@sherriewagner1737]

I love the Ramsey programming. Thank you.

[@sherriewagner1737]

Mr. Ramsey. I have always believed it is never too late unless you never start! I am age 73, divorced, 150,000 savings, I have no debt, cancer... Financially, I was squeaking and started taking a draw. How can I keep more of my money.

[@michelleparks4582]

Jade & Dave said, don't talk about it , be about it!

[@CoffeeWithFred]

Congratulations to you Dave and your team!! You all are wonderful and what you do is amazing!

[@jenniferflynn2722]

That is not true about insurance companies and checks being written. Many Many People in Lee County are not getting any money from their insurance to repair their homes post Ian. Even lawyers are not having success, it is a disaster. Also, many of the insurance companies are just totaling people’s homes when there is not structural damage because they are now a 30 year old home. Insurance companies are raising insurance premiums to well over 8000$ a year on simple homes that sustained no damage and claimed nothing. Only people who are mortgage free can opt out of insurance until the price gouging stops.

[@davel2456]

She is cool and intelligent

[@Mo.Is.Queendom774]

Realistically, THERE WERE AND ARE HUGE OBSTACLES THAT WERE IN PLACE FOR a lot of people of color, PERIODT! I am glad that Dave pointed that out and acknowledge it! One thing is for certain, this information is universal and can be applied to all. It will be TOUGH for a lot of people, but eventually it can be done. BY THE GRACE OF GOD, and HIM only!

[@melodiekarge]

Love this show and the advise, but the single mom with 2 kids who is considering selling her vehicle to avoid the $600 insurance payment is expected to work all these jobs to get ahead, but how does she get her kids to daycare/school while she works? Hmmm 🤔

[@djchristiani]

Hard work, exhaustion, and sacrifice for a season.

[@SJhikes]

The caller mentioned public transit was a viable temporary option. The car note was 400 so she would be looking at around a 1,000 swing in her budget

[@amazinggrace8136]

Congratulations Ramsey Solution!

[@ancillaasa70]

Thank for being there for us

[@travelnurseadventures3225]

Congrats on the ‘billion dollars paid off’ 🎉 Found Dave on KZbin 🎉

[@elizabethjennings5175]

Hey! Great vid! Would you be able to show some clips of how your new house is progressing?? And maybe some of your design ideas? I love the content you’ve been creating…all of it! I have been super inspired by your health journey too!!

[@thebestthingthatneverhappe6729]

Dave said why don't they call it a SHEloc 😄 Everytime Dave says a partnership is the only kind of ship that doesn't sail, I immediately think of a spaceship

[@actuallyterry]

Friendship

[@actuallyterry]

Courtship

[@actuallyterry]

Ownership

[@actuallyterry]

🤣

[@fernleafmedia]

New Zealandship

[@bearsfunnypages]

This is the Ramsey method. Love it

[@msnconreed]

I used the homeowner and car insurance from Ramsey and they are awesome

[@bonitab6498]

I need to check out one of his elp's cause I know I'm overpaying

[@OHPancrat]

The advice on when to end a relationship was helpful today

[@evahernandez3727]

Gotta Love a smart man… in love with Dave’s brain 😊

[@brookelondon8029]

A friend of mine purchased a beautiful used travel trailer for $25,000, cash of course. . Why do people only buy new ones?

[@mattlaeff724]

Maybe the most dangerous Age. Each move is critical in the early Thirties.

[@ryanjackson4597]

Don’t forget the viewers in the UK

[@diananixonbowerswright1913]

This one breaks my heart. Only 31. Sad. My husband is battling an inoperable Brain Tumor. It's tough but we are battling.

[@freespirit6209]

♥♥✋

[@yaabayusuf]

SHELOC = Stupid Home Equity Line of Credit

[@lejuanbass366]

Buying a used camper would have been better, but there are people that upgrade, as in replace floors etc.. that would help sell at a better price.

[@michelleparks4582]

BTW, I want to see Jade Warshaw e'rryy day pleaseee!!

[@annm.7176]

My father told me never the best into a partnership. What was his brother drawing a salary. Give him the business and on the contract he assumes the debt.

[@m.manning9026]

@1:16:42 HIS ANSWER FOR EVERYTHING 🗣🗣

[@GoatkuEditz465]

Great show Dave !

[@anthonydelgiudice3245]

Just starting watching love the show

[@autismcleaningkatereallife897]

I also can relate to her. I live in Section 8 housing and a single mom of 2. The "system" sucks. How can us in this get out and get further? I HATE where I'm at and I don't have much debt.

[@pamsmith1665]

Do you have a job?

[@autismcleaningkatereallife897]

@@pamsmith1665 I do I have a new job that pays 16 an hr and work part time.

[@lizzas4574]

I was on section 8 years ago and now I m worth almost 250.000 and have a good job. Just do not stop believing and learning it will happen

[@autismcleaningkatereallife897]

@lizzas4574 Thankyou. I appreciate you telling me it's possible.

[@deenebrakefield1798]

SHELOC!😂😂😂 My first belly laugh of the day!😂

[@viktoriavak4117]

Thank you for this show! ❤🎉

[@Clipahoy]

10 years at 30k. How and why?

[@annettemartinez4063]

What??? I’m a puertirrican and have no debt, driving same car since 2007. That’s ridiculous.

[@elway423]

Great DFS from Peter and Maria at 1:48:11 ; she wasn’t on board at first

[@bodiestevens9845]

Why does it seem like everyone that calls in makes 150k to 300k and whining about being in debt. They need therapy not Dave. Average family income where I live is 55k The average house about 275k to 325k

[@amireallythatgrumpy6508]

Dave IS therapy.

[@p.sherman3158]

My daughter is a CPA and uses turbo tax.

[@cynthiajohnson8463]

Today is march 1st amd jade’s class starts today. Is there time to sign up?!

[@williamr6945]

Do you close all the credit cards before they are paid off? Then start paying off?

[@romeogreco2635]

Why stay in a job for 10 years without a raise? Is this legal?

[@Roy-ur6vr]

The guy who took brother's debt: if business is failing, why not lay one person off and do their job?

[@dc5568]

This lady is awesome!!

[@rosemariemccalla3125]

R.g.m. Dave, I am 69 in a financial rut. Retirement is not even a consideration. I AM AFRAID TO DO A BUDGET

[@Beautiful77-r1z]

Loooove your show ❤️❤️❤️❤️❤️

[@XxN8iVeSc0uTxX]

I wanna hear the section 8 caller , call back with an update ❤

[@jordanciaramitaro6351]

Imagine the interest not paid on that billion

[@helenaroxbigtime]

Congratulations!

[@misterconn23]

Random, but does anyone know what kind of religion Dave practices? I know that he’s a Christian but wanted to know what type. I’m looking into learning more and thought I’d start where I learned so much already. Thanks everyone

[@dianawilliams8801]

He's an Evangelist

[@annt2685]

Did I miss something? I understand it’s in his name, but it his brothers “original”debt? Why doesn’t he make his brother pay it?

[@joshuab1707]

Chad has an IV of copium. Man that hurt... In no world does a $130k trailer make sense if your justification is to avoid paying Airbnb's/hotels.

[@dancingqueen1091]

if he spent 2000 on renting for 5 years wouldn't it be the same either way? not trying to argue just trying to understand, I'm fairly new to DR

[@joshuab1707]

@@dancingqueen1091 yes you are right. But if their goal was to save money, to Dave's point, a used $30k trailer would have done just as well. Dave doesn't recommend buying anything with a motor or wheels on it brand new unless you have a net worth of $1mil.

[@sx2882]

$1B Congratulations 🎊 👏 💐 🥳

[@christinewallace9251]

Good episode!!’

[@loriguillen8057]

I bet the credit card companies dislike you

[@nancybashista4971]

Congratulations!!!! 🙏🎉

[@fsm12385]

Heloc a contractors and bank dream is back to save the day

[@Joce123]

No to Jade..jury is in..no financial moxy

[@LG-zy9dp]

Hilarious Helix you get locked into debt 🤣🤣🤣

[@DaRKWizaRdGaming0]

I can’t imagine working for 10 years and not getting a raise. She’s losing buy power every year

[@MsLinaPeanut]

$30,000/year...that's not even liveable-unless you're a young adult living with your parents....

[@fqueens9251]

how do i get help

[@KidFromQueens]

His Brother scammed him!🤦🏾‍♂️🤦🏾‍♂️🤦🏾‍♂️ Sad but never do biz with Family! People are too entitled nowadays

[@tubenachos]

Some callers don't know when to shut up. Get to the point!!!

[@djchancla2451]

What are the baby steps

[@paulajeffrey6706]

Google it ,they are very easy to find.

[@mrs_arreguin]

Jade is the Hype Woman 🙌🏻

[@tcgtpl]

@22:30 - How many millionaires in your study have small businesses? And how many of those business owners had to take out loans, I.e. debt to get their businesses going or to keep them afloat? Mr Ramsey is correct that consumer debt is bad, but leveraging debt for assets & investing into businesses is a reality of life.

[@kaelaleedaley]

I believe the information you're looking for can be found on the Ramsey website - I think they've mentioned that several times in the past x

[@tcgtpl]

@@kaelaleedaley I’ve heard Mr Ramsey reference this study many times before. While I agree with his fundamentals of wealth building (live below your means, invest for the long term) he really reads too much into the study & makes conclusions that are weak at best and misrepresentations at worst. For example, saying that millionaires didn’t get wealthy because of credit card rewards. Well, no one is saying that. Many people use credit cards responsibly, and the perks help to extend the purchasing power of the money you do spend, like using coupons when grocery shopping.

[@bettedavis9261]

​@@tcgtpl hear, hear! I agree.

[@mandod3409]

44:53 with a name like Jarixa I expected nothing less. 😂😂😂😂😂. Come at me y’all