The CULT of Dave Ramsey & Employee Manipulation |

[@willn8664]

Dave Ramsey is basically a corporate equivalent of a pastor for a mega-church

[@JoshuaFluke1]

You'd think the business would be registered as a non profit or something right? Nah regular private LLC - non religious on paper. Profits are priority. Very interesting scenario.

[@hecatrice2064]

That's actually a perfect analogy

[@abelingaw5070]

The pope maybe.

[@asadb1990]

its corporate gaslight in the form of making the job more than what it is.

[@tanishshrivastava2442]

There's very little difference between religion and business.

[@noone-um4hk]

Using religion to advance your own interests is the oldest trick in the book.

[@JoshuaFluke1]

You'd be surprised at how many people don't realize this.

[@kubasniak]

Absolutely...

[@brpadington]

It's also the best way to get cocaine.

[@JMDAmigaMusic]

SECOND oldest trick, the first is to dangle in front of you a p005533 and work mostly from the opposite gender... ^^

[@SKBottom]

Anytime anybody sells anything with a heaping side of Jesus, hold on to your wallet.

[@Skatinima]

every time i see team player, i think of the employee that is getting scolded for leaving on time while everyone else works overtime because he's not a "team player"

[@p2p104]

*THIS* Exactly how I felt & how it was when I went to corporation right outta university. This year, I told them to fuck off and will leave in few weeks

[@Nerobyrne]

funny how when you need something, the team is suddenly out the window and it's all about your personal responsibility.

[@Sovnarkom]

lol at my job, I'm the guy who stays after when everyone else is going home .... get that OT money

[@theprimalwisdom4929]

Basically.

[@Nerobyrne]

@@Sovnarkom The whole "being a team player" usually involves unpaid OT. If you actually get it paid out then it's pretty cool actually. It's almost like labor is exchanged for currency, not "good vibes" ^^

[@craigsirota5119]

My company brought on a new CEO a few months back. One of the first things he did was try to replace the term "associates" with a more "fun" "family" kind of term. They put out a poll with a few options, and by an OVERWHELMING MAJORITY, we voted to remain associates. I don't need a company to try to replace my family. I need a company that will pay me enough to be able to support and spend time with MY family.

[@mariahconklin4150]

Right? lol! I always joke about my job and call it a cult and now I'm seeing that it is. I can't even talk to a co worker without a supervisor coming up to me and saying we need to get back to work haha.

[@mariahconklin4150]

One job I was at was so over the top with all the stupid prizes and meetings it got so overwheming I quit. Another job was like that to and I realized the owners were narcissists lol they can't buy us with bs anymore we aren't dumb.

[@bryansammis998]

i worked for a company where they said:"we bleed orange"

[@saltyapostle44]

Josh, you look better than you deserve.

[@iaap123]

You know it! I just that response to "how are you doing? -- better that I deserve!" It's like, what horrible thing did you do/are you doing to make you feel that way about yourself, Dave?

[@saltyapostle44]

@@iaap123 lol

[@codegeek-il5fm]

I do think Dave helps people who are stupid with their money. However the whole "better than I deserve" thing is super cringe.

[@amandabhandhel1388]

Haaaaaaaaaaa 🤣🤣🤣

[@Hodenkat]

Until I started watching this channel I had little idea how much psychological manipulation employers are using. I hope a lot of college aged people are watching Joshua's channel and are learning to spot corporate brainwashing before it's too late.

[@Chris-es3wf]

Unfortunately most must learn the hard way.

[@p2p104]

@@Chris-es3wf Took me 2years and few months to GTFO of corporation

[@Michael-vf2mw]

You redpilled pretty quick.

[@greenearthblueskies8556]

Agreed...this is a needed channel.

[@mattd.4133]

Hell i went as far as quiting the corporate world after 32 years and chose to go to non profit driving a bus. I love it and don't make shit!!! But I'm not making anyone wealthy either and the elderly and handicapped people I haul around really do love me!!

[@Stinger522]

I find people who invoke God's name in their endevavors are more likely to be the worst.

[@OfficialSeth]

Absolutely. It's always a big red flag to me whenever someone brags about their education or how religious/moral they are.

[@jessesdomain444]

A true follower of Christ is humble and meek

[@MultiSmartass1]

I was a freelance writer and thus a independent contractor all my life so I look at corporate life and working for businesses as an outsider. From what I see , employee / employer dealings are always based on uneven power differentials and manipulation. Its elementary psychology at work. The pragmatic employee simply views a job as a paycheck and yearly income. Any employee in any company is nothing more than a chess piece. The question is are you going to wind up a pawn sacrifice?

[@NoneYa-pg6dk]

I wanted to find purpose for my job, but learned how to let that go the hard way. Now, I just clock. Do what I’m assigned to do. Help others when I feel like it. Clock out and call it a day. Best eye opening experience ever. It’s not for everyone as the same as freelancing isn’t for everyone either. Do what makes the best version of yourself.

[@joshsmyth130]

This is so tempting to send to everyone I used to work with at a big wholesale warehouse with membership *cough, cough*. It's all just nice words and handshakes, then u find urself working alone for 5 hours in a fridge that gets destroyed every day. (There used to be 5 people doing it). Then it's ur fault when u work to hard to get it done and hurt urself. Gotta love the "family culture"

[@AA-gl1dr]

Sounds like a labor violation to blame you for an occupational injury

[@LalienX]

Fucking Costco

[@Rezenave01]

@@LalienXNah, I'll take Sam's Club for 500 Aaron Rodgers...

[@dougpatterson7494]

I’m happy that I finally landed a non-temp or intern role related to my college education last June, 2021 with a company that I could potentially have a career with. Used to be a local company when about a decade ago it was acquired by a larger competitor which is in turn owned by a foreign hedge fund company. No “we’re a family BS” but seems to have a good culture, strongly values safety. I’m treated better than when I worked for their direct competition, in a public sector position, or for small businesses. I’ve worked for family and that’s the main reason I don’t want to run my own business; owners and family need to work harder than employees.

[@WolvesBaseballNine]

Who else's fault is it that YOU hurt YOURSELF? Pushing yourself is fine, but know yourself and work safe.

[@ecchioni]

Fun note: Holmes was convicted on all counts of defrauding of investors and not on a single count of defrauding a patient.

[@greenearthblueskies8556]

Exactly 🤷🏻‍♂️

[@dogelife7901]

😔

[@Hermy2203]

Actually there are a few counts of investor fraud the jury couldn't decide on.

[@sardonic_smile_8752]

Is that true!? 🐈 Pass. Looks like the double standard of justice.

[@alinatamashevich3354]

Fun note, she was convicted at all. Wasn't her dad some executive at Enron?

[@gamingguru2k6]

This is why I'm into building multiple revenue streams. Your employer is always just using you, and wouldn't pay you if they could get away with it.

[@healthyblend2048]

Exactly

[@scoopitywoop]

Perhaps it's because I live in Europe but I find the idea of multiple income streams so depressing... Having to monetise hobbies, working nights and weekends, just for an ounce of security.

[@dogelife7901]

@@scoopitywoop I refuse to monetize my hobby. Don't ruin something you love! I'd rather to manual labor or some other job if needed.

[@olstar18]

Not always. You may be surprised by this but there are actually honest people out there.

[@alinatamashevich3354]

@don't care, name 3 please. You are just parroting what you have heard, next you will be an expert on quantitative easing.

[@batwytch]

What really disgusts me is that his children are presented as financial experts. It's great that their daddy was able to pay for their college but that doesn't mean they deserve a platform to tell people what to do with money. When you live with that much privilege you have no idea what it's like in the real world 🙄

[@batwytch]

@M J Oh yeah, I used to live in Texas and worked in a mall. Those after church crowds were the worst!!!

[@wolfman_jagermeistro8445]

Lmao fr. They've never had to work for anything

[@alinatamashevich3354]

That is sad that owner of a multi-million dollar company (private) can do what he wants. Maybe you can change all that, good luck.

[@JustMe99999]

His financial advice is suspect as well -- example: paying off the smallest CC balances first rather than the ones with the highest interest rate.

[@idontcare9797]

​@JustMe99999 he was also notoriously anti bitcoin years ago anyone who took this advice lost potential gains

[@jcman240]

Ramsey does not allow remote work...that alone makes it an awful place to work imo

[@dogelife7901]

That's insane. But it's his business so 🤷

[@EasternDreamer615]

Dave is getting sued for wrongful termination.

[@danm2756]

@@dogelife7901 yeah, but doesn't take away from being a terrible place to work

[@Anonymous-ld7je]

There will be significant brain drain over time for companies that allow 0 remote work, even cults that try to brainwash people like Ramsey's. Eventually people will get tired of that commute, and realize they can switch jobs and make the same or even more money without it...

[@EasternDreamer615]

@@Anonymous-ld7je I don’t see Ramsay’s company making it very long after he retires. Nobody else is nutty enough to glue it together.

[@jkdbuck7670]

"We're a family" Interesting how whenever there is a murder, the family is ALWAYS questioned first because statistically, the murder is more likely committed by a family member.

[@RobARug]

"It's not personal Sonny, it's strictly business." Michael Corleone - The Godfather

[@greenearthblueskies8556]

😂

[@waliddjema5442]

why wouldn't you take financial advice to make money from someone who made his money by selling his advice to get rich?

[@phoenixrising441]

True and why take financial advice from someone who’s previous financial stupid bankrupted him? Most people are smarter than Dave Ramsey

[@CliffInvests]

We must be on the same wave length today. I just did a video this morning on Dave Ramsey claiming he’s not a bad christian for raising rents and displacing families because the market forced him to raise rates. Meanwhile he under pays all his employees at market rate.

[@Anonymous-ld7je]

If he owns those properties on fixed rate mortgages, there's literally no reason to ever raise the tenants rents other than maybe small 1-2% annual raises to keep up with property taxes and/or increased maintenance costs as the property ages. Plenty of successful landlords rarely raise rents if they have a great tenant that treats the property like their own. A good tenant is more valuable that getting 10% more rent from someone new who you aren't certain will treat the property as well...

[@-ac-8296]

If he was an actual good Christian he would give away all that he has and then some to follow the Lord

[@-ac-8296]

@@Glock20AK and how is that in any way relevant to what I said?

[@RageTyrannosaurus]

@@Glock20AK That person was referencing the teachings of Jesus, whom Dave Ramsey claims to be a follower of. Jesus said to the rich that they should sell all their possessions and give the money to the poor. Your statement is irrelevant.

[@Mazxlol]

We have been scammed at work for a long time. And not just at work, the manipulation is everywhere

[@alinatamashevich3354]

Your are a free agent, you are free to market your time/skills to the highest bidder. Make yourself valuable.

[@Mazxlol]

@@alinatamashevich3354 ideally yes but realistically speaking, not everyone can do it. Plus from young age we were taught to "get a job" (unless you were born in rich family and went to a private school etc)

[@alinatamashevich3354]

@@Mazxlol So you cannot go find a better job? You are free in America to market your time/skills to the highest bidder. Quit making excuses.

[@Mazxlol]

@@alinatamashevich3354 I don't want another job tho. Not that I'm against working but why should I? I want to go live on the lake and fish when I need to eat. But that's not allowed in our society. You HAVE to work. Even your solution is to "get another job"

[@alinatamashevich3354]

@@Mazxlol Sure it is allowed. Again you are free to do want you want. Unless you come up with some solution that compensates you to do nothing. Fact is: you trade your life for a living. The trick is to maximize that trade.

[@thewriterswroom25]

Loved this video. Are used to be a handyman working for a bunch of property owners and one of them asked me if I wanted to be a millionaire like them. I said yes. Then I found myself over the next few years compromising my integrity on a regular basis trying to fit into their club. I eventually turned my position into a fully licensed general contractor and had my own business with employees. I thoroughly disliked being that person having to meet the needs of the owners who wanted to spend minimum wage for skilled labor and finding good skilled labor and wanting to pay them what I knew they were worth. It was all so horrible. After years of working for one of the owners and even considering him a friend, I bought a house from him on contract. He overcharged me on the house, gave me a super high interest rate, and then put a 15% pre-payment penalty on the purchase so that I could never refinance or sell the house without losing money. Monsters are out there.

[@wolfman_jagermeistro8445]

With friends like that who needs enemies

[@markcab2055]

Um what: 15% pre-payment penalty on the purchase so that I could never refinance or sell the house without losing money, thats just dumb on your part, you should have found another home to buy..

[@haute03]

@@markcab2055 Maybe, but you're missing the point. It isn't that he got a raw deal. It's that his "friend" is the one who offered him that deal after years of loyal service.

[@GodofDisco]

The fact 52 people liked this and no one has pointed out the fact your money is your own responsibility and it is your fault for signing a bad contract. That was a large error on your part, don't care if I get hounded for this I would never take advantage of someone but I am also not so stupid as to sign a 15% pre-payment penalty contract, you signed that and it is your responsibility that you made a poor investment.

[@kenandrieling5885]

How could you be a general contractor in a business owner and let yourself get screwed like that

[@TSARMOTAF]

I will always remember the clip of dave telling people who invest in bitcoin are stupid. Bitcoin was sitting at around $550 bucks at the time. LOL Never listen to that man's crappy advice.

[@alinatamashevich3354]

It is stupid. Talk about fiat money, problem is, the fan boys are blind to it.

[@kokalti]

Dude keep doing what you are doing. You are a breath of fresh air in this cult like companies.

[@yatzeenotsee]

Carrying a firearm isn't a sign of being fearful. The need for a firearm does occur. Not frequently, and not to everybody, but it does occur. Carrying a spare tire doesn't mean you are 'afraid' of getting a flat, it means you are prepared if you do get a flat. The truly fearful person is the one who sees a law-abiding citizen carrying a firearm and assumes the worst-case scenario is bound to happen any second, resulting in them calling the police.

[@BasementBerean]

In my opinion, Dave Ramsey teaches basic common sense to people who for some reason need to hear the obvious over and over and over. I watched two or three of his video shows and I had essentially seen them all. The amusing part is that he often seems to have some sidekick who's primary job is to fill what otherwise would be awkward silence with UmHmmm...UhHuh...UmHmmm...

[@saltyapostle44]

The show is entertaining just hearing about the ridiculous messes people get themselves into. He helps people get themselves under control which is a good thing. How he runs his business does seem a little culty.

[@meRyanP]

Before COVID he did the show alone most of the time. It was better back then actually. Highly entertaining to hear people with more money than brains cry to him like toddlers.

[@dogelife7901]

I think that is the true value of the show, you see how screwed these people are because of their idiotic decisions and feel better about your life...

[@NoneYa-pg6dk]

@@dogelife7901 then there’s content like this that keeps them trapped in victim mindset.

[@anmbiosnik3694]

I was first introduced to Dave Ramsey my sophomore year in high school. Our forced to us basically listen to him by making notes worth lots of points. Best thing that happened to me as a teenager and shaped my perspective on debt and money into adulthood

[@minimalistlifestyle7842]

Dave Ramsay's advice is ok if you want to learn how to budget or manage your money. The only issue I have with him is that a majority of his callers make six figures. When the meduim household income in the United States is 67k. Thats two incomes. The 9 to 5 job system is designed for you to earn 2.5 to 3k a month. Unless you have a very specialized skill e.g. software engineer, doctor. You stuck on this wage for life. Hope this helps.

[@hillie47]

You should see how many people have no money skills. Making a lot of money says absolutely nothing about one's money management skills. When I worked at a tech place in Silicon Valley I knew a Corporate VP level guy who literally lived paycheck to paycheck and would be a mess without it. Financial smarts and paychecks are not always related, especially when folks have a tendency to just spend whatever comes and then some...

[@dogelife7901]

Bingo.

[@alinatamashevich3354]

You must not listen to his show, many call in with average incomes and mountains of debt. In today's economy a 2 earner household will be over 100K.

[@lunam7249]

his show us FAKE!!!!FAKE CALLERS!! ACTORS HIRED ON CRAIGSLIST!!! WITH FAKE MILLION$ incomes!!!

[@channelpink4376]

I used to work at Zander insurance. The first thing you see on their website is Dave Ramsey's face and they were awful lol. Everything they do is about keeping Dave Ramsey happy its definitely cult like. Anyway they fired me for "attendance" (being hospitalized) lol.

[@channelpink4376]

@Vercusgames Yes I am doing great. Thank you! At the time I was devastated to be released from the hospital and see that I was fired by email (told not to come back on Monday) but it worked out. I've been at a really good employer the past three years and they're not perfect but they have taken pretty good care of me when I needed time off. Never made a federal case out of it. Being dismissed from Zander was a blessing in disguise. That company is a mess hiding behind Dave Ramsey's endorsement. They literally tell you nothing matters except retaining that endorsement.

[@millsykooksy4863]

He makes so much money for them

[@spash9467]

@@channelpink4376 Glad things worked out in the long run

[@benfelps]

that sounds illegal. call a lawyer

[@channelpink4376]

@@benfelps it probably was illegal but it was 4 years ago so idk if it’s even worth it. I’ve moved on.

[@BoycottHollywood]

Ramsey is a cult leader. Last weekend I watched one of his shows where he literally called gold buyers idiots. I wrote a comment about buying 11 ozs of gold for $350 each around the year 2000, and sold them for $1600 each in 2018. I more than quadrupled my money with almost zero risk, and I bought property with it. But because I contradicted his statements of only idiots buy gold, his employees immediately removed the comment. I then reposted it 5 more times and it was removed again within 30 seconds each time. Then I got a strike on KZbin for violating their TOU on my channel, where I don’t even have any videos. What a bunch of losers. I blocked the Ramsey show after that.

[@jackfox5738]

100%

[@attache675]

Be a team player: AKA stop being difficult: AKA don’t think for yourself

[@ThingsILikke]

Counterintuitive because in reality difficult people get less workload and as much pay while the good workers pick up their slack and endure their terrible behavior dragging them down

[@House2017]

@@ThingsILikke That would only really happen if the difficult people have the right connections. And what do you mean “difficult”. That’s thrown around like “lazy”.

[@ThingsILikke]

@@House2017 it’s happened at literally every job I’ve had. The complainers and bullshitters and people who don’t produce get left alone while the professional people get treated bad and overworked. No one fires the difficult people.

[@ThingsILikke]

@@House2017 lazy counts, yes. And the “connection” seems to just be that you are old and/or nasty. This is my experience in the workforce. I think for straight men it is a little different since they don’t seem to enjoy terrorizing each other the way women do

[@KS-un3pi]

I am vocal at my job and some say difficult and I get stuck with more work. The ones that stay quiet and lay low get less work and aren't hounded to make up hours if you miss work(and the rest of us are asked why we are taking off and when we will be making up hours). It pays to do mediocre work and keep to yourself at my job.

[@CC-bm3wb]

Ah, more Dave Ramsey videos. I seriously can' t get enough of these.

[@WatcherPrime]

I am usually not vibing with the anti-work crowd but it does serve to seek these out and apply them in a measured doses. ABS, Always Be Scheming.

[@JoshuaFluke1]

Thats all I want. Be on the look out for you. Your company won't

[@Bella.Parabellum]

This isn't anti- _work,_ though. People aren't encouraged to not _work,_ they are encouraged to put their own interests first, and not fall for corporate manipulation.

[@shawandrew]

The reddit sub r/antiwork got taken over by a bunch of Marxists, but ironically, learning how to take your labor where it gets appreciated, along with organizing unions are both liberal tactics. They are about understanding markets and using your freedom to choose.

[@Tempusverum]

@@CoryPchajek 200+ years without success yet it remains the most popular ideology of all time. Communism is a Religion.

[@Skoopyghost]

I hate reddit even I can relate with the anti work people, but as dyslexic/dyscalculic and ADHD. I can relate in a way. Also. Being a recovering addict. Religion can be used for a good, but it's awful human beings like Dave Ramsey that ruin that.

[@Candikanelane]

I found your page today and I love it. I just binge-watched.

[@Kelgore]

Wow! I uploaded a video about Dave Ramsey yesterday and someone suggested your channel & I love it so much! Can’t wait to go watch all your videos

[@JoshuaFluke1]

Just watched yours! Great stuff!

[@lilyann168]

Your connection between Liz Holmes and Ramsey is brilliant

[@simmonslucas]

Holy shit the side by side is insane. First time I watched Ramsey I felt like the others in comment section were watching a different video than I was. I thought this guy talked like he really hasn't worked in years...

[@Anonymous-ld7je]

That's because he doesn't work, he grifts. I'm fine with grifters by the way, we all need to make money somehow. But I hate grifters like Ramsey who have a holier than thou attitude... it's like, dude, you haven't had a real job in decades, you make millions answering the phone to yell at people. Then he wants to lecture millenials about how none of us want to work or "know the value of a hard day's work". The man probably hasn't had a hard day's work since the 90's. Don't piss on my leg and tell me it's raining.

[@-ac-8296]

@@Anonymous-ld7je I am not fine with grifters. They add nothing to society in fact they usually take away. The average person is poorer because of these leeches

[@lynyrdrossalquiroz2029]

Imagine Josh being your boss. "Do whatever the hell you want! Just give me the output on this date."

[@dogelife7901]

I would work so damn hard for that man lol

[@jamesmoore1803]

I have asked many times, "Tell me what you want" and I never get a good response...just corporate slogan drivel. It's frustrating. The reality is that they usually want more, more, more, for less, less, less. If they don't clearly define goals, you can't clearly define victory, and they win.

[@klauseba]

@@jamesmoore1803 now that you mention this, I remembered being escalated to higher management and HR because the new team leader was a b!tch complaining that I don't work (when in fact she wasn't doing anything and some of the level 1's weren't working at all). So I listed all the tasks and things that I do and ask them to define exactly what I am required to do and how to do it. No replies but I got promoted.

[@Stovetopcookie]

I love your Dave Ramsey videos. Please do more!!

[@pamgori8008]

Your helping so many people who dont have a manipulative nature see how many people who do..the narcissism Is the tool..how they word things to make you believe your benefitting..when its really benefitting them..people are waking up to this and you are helping Immensely..thank you BOSTON🍀

[@Max-lf3tx]

A dream team as in it doesn't really exist in real life

[@adequatequality]

The irony with Dave Ramsey is that this man got rich by telling others how to get rich...

[@hillie47]

Same as the gold rush. There might have been the accidental lucky one to find a bunch of gold, but most people were just digging in the dirt with tools sold by the wealthy tool vendors.

[@dogelife7901]

More like telling other how to not be poor. His is a get rich really really really slow program.

[@alinatamashevich3354]

@@dogelife7901 And your program is faster? Please enlighten us .

[@HHHPedigrees]

He got rich from real estate actually.

[@scaratlas3347]

Did you know that Dave Ramsey doesn't go aganist MLMs? That man is a joke. Good advice though for beginner stuff.

[@dogelife7901]

Are you sure about that? Seems odd that's more of a common sense thing. He gives basic advice that keeps people afloat, but never rise above. Good luck spending every extra dollar of paycheck for 800 years to pay off that house, while the stock market 5x....

[@jpactor155]

Joshua, I saw your videos on software engineering two years ago. My first year work anniversary as a developer is coming up. Thankfully I work somewhere that is pretty solid, and a provide a lifestyle for my family I could’ve only imagined at this age, thanks to you. Just wanted to give some credit where credit is due :D

[@ThingsILikke]

I read Dave Ramsey‘s book “Total Money Makeover” (my mom gave it to me) and his advice was literally to pay off all your credit cars debt AND close all the accounts so that you don’t buy anything on credit and go into debt. He said your credit score isn’t important because “it’s a measure of your debt.” I cannot make this stuff up he is advising people to tank their own credit score. Sounds very cult-like- he wants people dependent on him.

[@Kevin-jc1fx]

I guess he meant people should learn to live on their own means or even below. For someone who plans to never borrow money, credit score is not an issue.

[@pri.sci.lla.]

He thinks you can’t use a credit card strategically . He thinks everyone is bad with money. But then again didn’t he go broke and then get famous?

[@freestyliest99]

I mean clearly the credit card companies bought all their nice fancy buildings, furniture, and pay all those high dollar salaries by being charitable. Not spending hundreds of millions of dollars studying human spending habits and trends to push a financial product.

[@SteelHex]

Dave is targeting a specific group of people: those who have no self control and max out their credit cards. For them his advice is valid, because these guys cannot be trusted with credit. If you don’t have credit problems, you don’t seek out Dave’s advice.

[@saywhatnow57]

@@SteelHex Here's the problem with that... His advice doesn't just get absorbed by those seeking it. There are middle and high schools teaching Dave's money philosophies. I've actually had to reverse educate my own child on what credit is and how it works, because his middle school uses Dave's materials to teach kids about money management.

[@happyarmadillofarm9026]

Dave's teachings and approach to life certainly can be cult like. I went through his financial freedom course and was dogmatic in staying debt free and trying to get through college without any loans but I kept postponing jumping into being full time in school all because I had this idealism that I'm a bad person or it's an evil to take on student loans. After many years of being miserable I had to reexamine my beliefs and changed my mindset to view financing my education as an investment in myself and that investing in myself is the best investment I can make. I just had to make sure I'm going into a career where it makes sense to borrow the amount of money I will need. Once i figured it out I jumped right in and the water is fine!

[@lauraslanesvanlifetravels]

This is why I don't have a w2 job anymore or work in offices. I currently do delivery jobs (got in a car accident yesterday tho) and if I HAVE to get a W2 job again I will be trying my damnedest to work from home. Offices are just like high school, if you don't fit in, if you don't conform, you are either fired or an outcast...NO THANKS!

[@jeffburgmeier127]

I have decided to live by this philosophy for the past few years. "Build your own dreams, or someone will hire you to build theirs" You come first, always. Your time=money. No pay, no work. You are a person. Not a commodity. Not a unit. A company is not like family. Your family comes first-always. They need you-you dont need them.

[@alinatamashevich3354]

well said Jeff

[@primesister2756]

Excellent. Thank you for sharing this information, particularly about Ramsay Solutions.

[@JF-vw9lv]

My current company had these similiar 10 "principles". If you wanted to level ("promotion" same job with slightly more pay), you had to show how you embodied the principles with a bunch of convoluted steps. Of course there was one or more of these priniciples that management themselves didn't represent.

[@alinatamashevich3354]

J F , you didn't own the company.

[@ivanivanovichrasputin3098]

Here’s one that my boss used to say and still says: “I don’t give you a raise, you give yourself a raise”, implying that the only reason you don’t get a raise is because you’re not working hard enough. Or another good one, “ I don’t fire you, you fire yourself”. This from the guy who exploited the fuck out of his truck driver and made him do a lot of work that was way outside of his driving duties, while treating him like crap and ordering him around as if that’s warranted simply because he pays the guy (way under market value for a CLD driver). Eventually his driver left because he was getting paid a garbage salary with ZERO benefits and was being worked like a dog. Now this is a multi million dollar company mind you, at least $5-6 million a year in revenue. When his driver has had enough and was leaving all of a sudden this guy was ready to increase his salary by $400 a week to $1,500/week in total. Most of his employees left his company, and he acts as if all those people are the problem and became greedy. When the pandemic started in March of 2020 this guy let me go saying that we have no work. I had to go on unemployment for a little bit until finding seasonal tax work, and I was making slightly more in unemployment than I was working for this asshole. Later I heard that he apparently said I was greedy for going on unemployment when enhanced unemployment benefits were being given, despite him laying me off himself. He still believes that I left on my own just to collect unemployment. This guy is so manipulative and constantly talks about how because he gives a few holidays off we should be ready to dedicate our time to his company whenever it’s needed. He brags about not bothering us on the weekends, as if he deserves praise for that. It’s just important to be able to recognize manipulative language that scumbag bosses try to use on you in order to make you believe that you’re very lucky to have a job, and that you’re being paid way above your worth. I was blind to this before, but slowly I’m starting to open my eyes to this disgusting treatment of workers in America. As soon as I find another job I’m out of here, because this guy will never change and will continue on believing that he’s a really good employer and that everyone else is the problem.

[@alinatamashevich3354]

@Ivan, did you ever stop and think, you are a free agent? Meaning you are free to sell your time/skills to the highest bidder? It is still a free market economy, use it. In other words, make yourself valuable in the economy.

[@ivanivanovichrasputin3098]

@@alinatamashevich3354 lSpoken like someone who has no idea what they’re talking about. Did you ever stop and think that maybe it’s better to think for yourself once in a while instead of regurgitating buzzwords you heard from snake oil salesman type financial gurus?

[@alinatamashevich3354]

@@ivanivanovichrasputin3098 Again, Dave has made more millionaires than you have teeth. What do you have to offer? Not a damn thing.

[@alinatamashevich3354]

@@ivanivanovichrasputin3098 Hate to tell you, those are called "best practices" in business we follow a set of guidelines. Unlike you who is a broke joke.

[@damdamdamdumdidum]

I'm a great team player. I work as little as possible, so my co-workers can do the same without getting in trouble. You're welcome co-workers!

[@dogelife7901]

Lmao yes! I am the best part of the team because I'm fun and I play golf with the boss 😎 work hard play hard

[@MyNameIsCurrentlyUnavailable]

Unappreciated Comment

[@exjehooberdubexpiobeezleeb6269]

Would live if you could cover the Fox Valley Healthcare lawsuit where a bunch of at will employees quit their jobs but a judge has allowed a lawsuit injunction to stop them from leaving their former employer who refused to give them raises. It's insane!

[@youtubelearning2990]

Your channel is changing my life.

[@rhone733]

At the end of the day, Dave makes money and then expect his employees to work hard for far less.

[@tymackway4458]

I was working for two facilities under the same operation doing double the work. Asked for money they reply was crickets. I stop doing double the work. I don’t care what facility is short staff at this point. Not my problem it’s a government agency they better call a temp service. The supervisor of facility called me today all she said I ain’t got no help. Not my problem. We can be friends but I will not do double the work with no pay.

[@CaraMarie13]

I am so thankful I found Suzy Orman first. I watched some of his stuff at the same time as Suzy's and he immediately put me off. Like i liked some of his advise around debt but he doesn't have much else to say so it's very repetitive. But his tone and words towards the people that call into his show is wild. Like he is very clearly megalomaniac and makes no effort to try and hide it. Probably because he knows no one is going to call him out on it. I really hope that in this country we can make financial education in schools the norm so that we can cut the future Dave Ramsey's out of our lives.

[@batwytch]

I've always loved her especially because she addressed specific issues with women and money that the average Financial advisor personality wouldn't really understand because most of them are men.

[@dogelife7901]

Wasn't there an expose on old Suzy that basically said she scammed her way to the top? I am woman, watch me scam.

[@lunam7249]

a marine from war in IRAQ called, and dave said you need "babysteps"....the marine said. " im not a baby"

[@MatthewEaton]

This is the problem with having people so focused on entrepreneurship is that it is far too easy to disguise the buzzwords as a value proposition and feed it to the staff as they are "part owners" of the company. People new to the work world see the buzzwords and agree, hooking them in. What they don't see is the high turnover and the lack of values the place is hiding. I lean more to when you see these crop up more in a company statement, the more turnover there usually is and they need it as the bait to get a new worker hooked.

[@benfelps]

turnover is better than constructive dismissal

[@MatthewEaton]

@@benfelps Perhaps, but when you are turning over more people, the individuals who stay also know the stakes. They know you were brought in on a lie, you were sold a bill of goods and often, they don't even bother to know your name since you will be gone soon. It bleeds into the company's system way too easily.

[@gradstudent584]

At my first job, I had a horrible boss and an overall toxic team. But, I am so glad I got to learn some hard lessons so early in my career. I learnt how to play politics from some of the best players at my first job!

[@golemgoyims3335]

Yes your honor I will pay the money back just give me time( never pay the money just said it so I can fuck around some more)

[@mikeslifestyletipsreaction833]

Are there companies that take advantage of their employees? Yes of course! But these vaules (most of them atleast) are excellent vaules to have, what should we expect for them to say the complete opposite of what they've expressed? It's obvious when you come across people who've never run a business or managed a large group of people before.

[@JohnQ85]

Funny when employers tell you to work like you're self-employed or like an entrepreneur. How do you do that when you can't say "No" to anything.

[@klauseba]

You have to learn how to say "NO" politely/with diplomacy based on what your job description is on the contract... otherwise they'll start asking you to do stuff that aren't even remotely close to your position (a.k.a. doing other people's job which nowadays is called "delegating" lol )

[@JohnQ85]

@@klauseba It depends on the culture and management style. Sometimes it's not out of scope work, but it's 4 hours of meetings you have to sit through because you're somewhat involved. Something successful people like to say who start on top like to say we all have 24 hrs a day. But we really don't. Not when you can't control your time. Entrepreneurs/self-employed/owners can control their time. They can say "No" to a meeting. You/I/We can't.

[@alinatamashevich3354]

Be your own boss and stay home most of the week, problem solved.

[@JohnQ85]

@@alinatamashevich3354 Oh ok. Let's see your affiliate link already.

[@alinatamashevich3354]

@@JohnQ85 Why would I need one John? I am self employed.

[@wolcek]

Manipulation *is* done covertly. That is the crucial part of manipulation.

[@freethinker3083]

Josh you are such a savage when it comes to this! I love your videos and really appreciate what you do! Ive realized all of this within the last 5 years. I’m 30 now and wish I knew these things younger. You are the friend that keeps it real af because you actually care. And I appreciate it! I always watch your videos because there is still always something new that pops out as a tactic I haven’t noticed before. It’s great to be able to articulate the foul play in depth and you help me not feel crazy for seeing the truth of the matter with these companies!! Thank you!

[@marcchapman4]

Lol. I had a boomer manager that asked me "don't you want to do a good job?" in regard to a project that had very poorly defined goals and was scope creeping beyond believability. I told him no and he was incredulous. I just wanted it done!

[@spash9467]

It's weird how many people trust Ramsey so much with his baby steps. that stuff should literally just be basic common sense

[@josephbrown9685]

That’s because so many people are sheep and will just fall in line with anyone who speaks with authority and projects confidence. People who are lost in their lives are looking for an all-knowing leader to make sense of their lives and charlatans like Ramsey fit the bill.

[@icemans1matedude339]

It should be… though the majority of people never learn financial education well after high school. Which yeah is a bad thing

[@spash9467]

@@icemans1matedude339 I got a friend who continuously wanted to shake my hand in thanks just for showing him the world of investing, smart dude too. That' how bad the lack of financial info is

[@dogelife7901]

It's a dry wasteland for financial advice. If you think Dave is bad, head over to tiktok. Dave's advice is boring but at least it's mostly decent.

[@MrSeadawg123]

@ Joshua Fluke... Enjoying your Channel! I work as a nurse in a 350 bed hospital. One thing that really pissess me off. Is the hospital essentially forcing staff to do continuing educational classes online. While having to do patient care. By chance have you run across this before? It seems to me like it ought to be illegal. If you have any feedback. Please, let me have it. Am sick and tired of being exploited.

[@FFAs]

Can always look for another job.

[@MrSeadawg123]

@@FFAs If you work in healthcare. And in a non union hospital. This is the standard practice. Due to family am kind of stuck to this area. I worked in California were unions were the norm. Staff could be fired if they were doing these CEU's while having a patient assignment. You are essentially doing two separate jobs at the same time. It saves them millions. While creating an unsafe work environment.

[@FFAs]

@@MrSeadawg123 it's your life, not your family's. If you don't want to continue this path in life you don't have to

[@MrSeadawg123]

@@FFAs Perhaps the best thing to do is fight them on this. This is pure exploitation of a vulnerable staff and patient population. They are the ones that need to change not me. Remember, an injustice anywhere. Is an injustice everywhere.

[@openroomxyz]

Thanks for creating this content you are helping people take the red pill.

[@davidkafka2452]

Reminds me of the reason I read “Thinking Fast and Slow”. I read it to defend myself from being exploited but there are plenty of people out there who read it with the intent to exploit others.

[@turboredcart]

During a job interview for a job- I was asked where I want to be in 5 years. I said about paying debt - getting teeth fixed - and some other personal goal. Then I realized they mean career goals. hmm.

[@ZenosOsgorma]

"dream team" you work harder than anyone else, heres the pizza party you wanted rather than the pay equal to the work load and income you produce. we like our Dream teams, to remain brainwashed , so we get the maximum income from you and give nothing to you (well aside from the £100 in 50% of dominos pizza) (this sentence is told in a sarcastic way btw) from personal experience this happened to me and I would say to many people nowdays.

[@allanpegasii1244]

A late stage boomer who rode the real estate wave on other peoples money found something even less ethical than property speculation - monetizing someone's imagined relationship with deity!

[@alinatamashevich3354]

You have it figured out, now go and make a few million, Allan

[@mikekeen1455]

This channel is awesome! And really exposes crazy businesses

[@pri.sci.lla.]

I watch Dave’s content as comedy honestly. Some of what he says is common sense while other things are completely unhinged. I’d never take advice from someone like him. His “baby steps” are so antiquated.

[@NotShowingOff]

Dave’s advice isn’t bad. Here’s the thing. In a literal sense he is telling you to avoid “wanting things”. Particularly big expenses. New cars and what not. You can use a credit card for things you need and pay those off like food, utilities. But for some reason he focuses on hating credit cards and not hating consumerism and all the bigger plagues designed to drain us financially and otherwise.

[@pri.sci.lla.]

@@NotShowingOff like I said, he says some things that are common sense. Anyone with any financial literacy knows and does the things you listed.

[@xxxxMonkeyGirlxxxx]

@@pri.sci.lla. it’s not common sense to everyone. There are millions of people in serious debt and no retirement savings. If it was common sense there wouldn’t be so many poor people. That’s why he has the baby steps. It’s about creating and establishing good habits and getting you eased into and motivated to start saving money, paying off debt and stashing away for retirement. I don’t agree with everything he says but he has helped out a lot of people get their act together.

[@SKATE7510]

@@pri.sci.lla. arrogance, exactly what he says

[@NotShowingOff]

@@pri.sci.lla. yea, it ain’t common sense. It’s like this. How long do you think your lifespan is? Some ppl think they can die tomorrow, and therefore are more wreckless. If you think you will live past 80, then you will always need the money for tomorrow. Some ppl look at credit as cheat code. They think as long as you are living you will never stop owing money and so who cares about debt. It’s when 5, 10 years pass and suddenly you are in very high debt, and creditors are making life much worse than before.

[@gwillis01]

What Dave Ramsey really means by "We impose our will on the marketplace". is OUR POWER OF PERSUASION AND SALESMANSHIP ARE TOP NOTCH. Our sales pitch is so persuasive that you are compelled to say yes. YES I WILL BUY YOUR PRODUCT BECAUSE YOUR SALES PITCH IS SO PERSUASIVE. We will impose our will on the marketplace is just a BOLD statement of the power of persuasive salesmanship. "The marketplace" is not a machine or an amorphous blob. It is a collection of human minds. Humans can be persuaded one at a time or in groups by sales tactics.

[@mimiwallen]

Josh is here to represent the ppl!

[@TheThreatenedSwan]

I'm not saying I wouldn't prefer a different system, but we're in a sort of Nash equilibrium and a situation where people's necessary values cause what you think are unnecessary as a byproduct. Complaining also doesn't usually do much, and there is a counterintuitive phenomenon where the people who complain more, who are more neurotic, conformist, etc, are causing workplace toxicity both directly and through incentive structures. While people who remain happy while suffering complain less, but having more of them would make a better system. Companies write what people want to hear, though it can usually be said that people's values are informed by the elite rather than from the bottom up. Even if information were enough to get people to see the light that companies are basically corrupt, not doing what they say they are, changing people's minds would be driven by elite actors not the average worker. It's also not clear what basis most people, who are atheist materialists, would have to criticize his services. It is clearly satisfying people's values, otherwise they would not be buying the service. It's similar to education: even if it doesn't do any of the things it is supposed to, people clearly value having it more than not. On the righteous living bit, having pre-defined rules can be helpful, but ultimately all law is arbitrary. No matter how broad and explicit the guideline, interpretation is what matters

[@teekaybe4016]

One great example of how being selfish makes you more valuable is making sure you are the ONLY one trained to do a specific task. The company might push you to train others to do a job however that only makes you replaceable. I know a guy that didn't train a single person to do his job and guess what when it came time to layoffs they had to keep him. A true team player would have bent over backwards to train others.

[@joshuaarseneau5891]

I alway appreciate a different opinion and I understand why Dave appears to be extreme but if you are a believer and you study the Bible these are just basic principles. Plus cult leader don’t usually invite people on their shows who have a difference of opinions. I Also came from lower middle income family. No college education and had $90,000 in debt and now have no consumer debt live off my wife’s income and give, save and invest off my other income. All because I followed Dave’s baby steps. So confidence and financial peace are going to sound like arrogance and being cocky at times.

[@DieDona]

Love the corporate simp voice he does

[@eastwest1970]

Bless you Josh

[@agreedboarart3188]

The POWER has arrived in a DREAM TEAM! 🐊 A force plus one plus one makes three!

[@theprimalwisdom4929]

Finally SOMEONE takes a jab at this "self made" fraud. Thanks josh.

[@alinatamashevich3354]

@Jalen the problem with your statement is, Dave employs what is know as "best practices" when it comes to debt and investing. Need to get your head out of the fake YT guru's for a minute and learn real world financial advice. Do you really think a man with millions in investment does not have the best advisors money can buy? You sir are delusional.

[@jennifermelton4147]

Excellent analysis about teams, family, altruism, and legacy!

[@Falconlibrary]

I retired as a civil servant, so not from a private enterprise, but the same principle applies: we're a TEAM or a FAMILY but when it comes time for raises, administration always got huge raises, no layoffs when there were budget cuts, and a better pension, etc. And a lot of my colleagues BELIEVED the 'we're family' or 'we're all in this together' crap. Management/employers got where they are and stay where they are--in charge--by looking out for #1.

[@TheMoFauxs]

A cool video would be for you to make your own company core value list. Like a dream list that all companies should use

[@SuWoopSparrow]

Why is the employees not making the same money as the CEO grounds to put down the "share of the profits" point? If you are working at any decent project based company, you are getting bonuses when projects succeed.

[@JoshuaFluke1]

Because you don't lose 'together'. Normally only the employees do. CEO still keep his job.

[@SuWoopSparrow]

@@JoshuaFluke1 Yes its true, but I am saying there is plenty of incentive to ensure a projects success if the company is decent. I am not saying this makes the company family or to treat it as your own, but if a good company stays true to their "share of the profits" pillar, then you can easily make 50%-100% more off bonuses and stock options. For employees that have no interest in the burden of entrepreneurship or leadership and just want to come in, do a good job, and get out, this is a great thing to look for in a company.

[@MichaelAivaliotis]

Ya but projects are always behind and delivered late. And it’s probably not your fault, but bad scheduling on the part of management. So you get the shaft anyway.

[@dogelife7901]

And not all companies give bonuses. That's great you seem to but your average job has zero stock options and zero bonus. My company does give one but it is literally unrelated to anything the employee personally does and is a company wide bone that is thrown so the CEO and high ups can justify making 100x the average salary.

[@SuWoopSparrow]

​@@dogelife7901 I'm not sure what the point of your comment is. The context of this video is a list of "red flags" from companies. I am arguing against "share of the profits" being a red flag. I am arguing it is a good thing to look for in a company, provided that you do your due diligence to see if they stay true to their advertised value. As far as "not all companies" giving bonuses, its irrelevant because we are not talking about universal truths, but rather values that individual companies may or may not have. As far as higher ups needing to justify their salaries, they really dont. They make more because they have ownership or are leadership. Just like everyone else, CEOs get their salaries based on their competitive advantage. The more replaceable you are, the less you will make and that applies to for-hire CEOs and everyone below them. The world is not fair and nepotism is rampant, but its also ridiculous to say that the majority can be leaders. Most people dont care or dont want that responsibility and that creates scarcity, which drives up value. If most people wanted to be entrepreneurial, it would be much easier for people to unite to create employee run businesses where the highest paid person doesnt make more than 5x the lowest.

[@jayceewilliams5250]

I used to like dave Ramsey just because i thought it was interesting hearing the debt stories until i heard a guy asking him if he should purchase a house as an investment property and spoke on how he has construction experience and could keep cost low and could get a good loan with low rates which really sounded like a pretty good investment and he tried to talk him out of it because he would be getting a loan to get started. Like bro people don't just have hundreds of thousands of dollars just laying around 😂. I don't hate him I just realized he gives basic advice of all debt is bad, live on beans and rice and deliver pizzas on top of your 40 hours of work a week to get ahead. I'd like that advice a little more if he could just help tailor it to a specific person or gave the more general rules that can apply to everyone like you want your housing to be 35% or less of your income

[@dogelife7901]

He can't because his demographic would hear that and misinterpret.

[@alinatamashevich3354]

Debt is bad Jaycee. 99% of foreclosed homes all have 1 thing in common, debt. that could not be serviced in a timely manner. Never heard of anyone filing bankruptcy using Dave"s advice

[@jayceewilliams5250]

@@alinatamashevich3354 listening Dave's advice does work to an extent but i mean life happens and from what i remember the number 1 reason or 2 for bankruptcy was medical expenses. So that's just life hitting you. But no his advice works well for people who over spend and it's very good way of avoiding unnecessary risks, but if you lived by Dave's rules to a T you would miss out on opportunities to better yourself like buying a triplex home and renting out 2 units and having that pay for your mortgage and properties taxes while you live free of charge and work on something else while gaining equity and raising your net worth.

[@alinatamashevich3354]

@@jayceewilliams5250 Dave has never said not to buy real estate, in fact he promotes using real estate to gain wealth. What does one do when these awesome renters quit paying rent cause the government tells them they can. Who pays the bills then?

[@soniaprovard5841]

Great video!! I’m hooked!

[@jnab0]

preach, brother!

[@camadams9149]

He's a narcissist. People really need to learn about Cluster B personality disorders. It only takes a week or two to learn them and their behavioral patterns. Its classic 80/20 principle. Almost every difficult person in your life is a Cluster B. Learning how to rapidly identify, neutralize, and eliminate them, will eliminate most of your interpersonal problems

[@antikertech157]

I'll get to learn about that then.

[@gwillis01]

There is such a thing as being proud of the quality of your work. That has always been the case forever and ever. That's basic human psychology.

[@justinwhite2725]

"work like you own the place" so.. Go at my own pace and ioend procedure to work the way I want it to rather than the way you tell me? You got it!

[@dogelife7901]

Treat those around me with respect and let them share in company profits according to their contributions? coming right up!

[@justaman5490]

I enjoyed managing people and getting them to work as a team, I also advocated for their wants and needs.

[@gwillis01]

Yes you do control the profits in a small way. Every time you steal office supplies or office machines and force the company to buy replacements, you have directly lowered profits.

[@MgtowRubicon]

Your boss is selflessly committed to keeping employed the luxury mansion and yacht builders, and the Lamborghini makers, no matter how hard or long hours you must work.

[@Stupranos]

Religion shouldn’t be your shield and sword to attack others and defend yourself. It should better YOURSELF in your own private matters.

[@marvJarv]

Another great video, Josh. Keep it up!

[@michaelzero5144]

Dave is a wack… he is untrustworthy and his financial advice is at a 3rd grade level IMO. He just want to grow his brand with his unhelpful advice.

[@alinatamashevich3354]

How many millionaires have you made, Mike? Dave has made more millionaires than you have teeth.

[@michaelzero5144]

@@alinatamashevich3354 not sure why that matters other than he is using people. Are you implying people are becoming millionaires because of his advice? I sure he could be your sugar daddy and you would be right then. You could be the next one! Another millionaire because of Dave…

[@alinatamashevich3354]

@@michaelzero5144 Exactly how dispensing advice on over 600 radio stations and YT is using people, but in your permanent victim mind that could be true. Dave follows what is know as "best practices" in the financial world. The same advice you would get from any competent, licensed financial advisor. But I am pretty sure you have no clue what that even is. Good luck to you.

[@michaelzero5144]

@@alinatamashevich3354 you are obviously a positive sounding board for Dave. Lots of people agree with me. Is he paying you? As far as I am concerned I am very financially successful and without Dave’s advice or any financial advisor. Wow how could that be? I guess I am doing better than I deserve… Dave makes his money giving advice not actually doing it. If he was so great he wouldn’t give advice. It’s snake oil. Warren buffet doesn’t have an advice show as he is a real investor not a sales man of hopes and dream for the desperate. Of course this is just my opinion…

[@alinatamashevich3354]

@@michaelzero5144 So glad you made it without listening to Dave. Again, Dave gives sound financial advice, known as " best practices" in the industry. Dave does exactly what he tells others to do, however all haters and trolls use that tired line. Do you seriously believe that a man with multi-millions invested does not have access to the best financial advisors money can buy? Then you are the fool, not me. BTW< what is the name of your best selling financial book? Thought so.

[@ashleynoelle7429]

I love this channel so much.

[@mickeycabrera325]

Very well 👏 put

[@marcusdavenport1590]

What's the point of hiring you if you're not helping with the mission of the company which is serving customers and creating value for the customers? People acting like this is bad is pretty silly. You can create your own company Then pay people more than they bring in to the company. If you go under... You had a bad idea.

[@victort.9466]

Lucio's site is interesting ! Thanks Josh.

[@dipsuny]

Omg this is great and am laughing so hard I almost pissed myself 😂

[@AA-gl1dr]

08:15 yup that’s pretty much the M.O. for most businesses nowadays. They speak to everyone like they’re 6 years old.

[@orlovskyconsulting]

Yeap many CEOs like that, but there exist exceptions i consider fairness , honesty is a road which goes both ways.