The Pandemic Was Your Wake-Up Call. Now Do This...

[@db4life925]

Thankfully my wake up call was in 2018 when I got divorced. After that I changed everything and got going on the debt snowball. Now I have one more debt left. Can't wait!

[@lookforward2life]

One left!! Whoooooot!! Do you have a good circle to celebrate when you get it done? My husband is unsure about my total opinion change but we are doing it and he can’t really argue with the principal of having an emergency fund and paying off debt with purpose.

[@michelleprice5945]

our wake up call was the crash of 2008. we never realized how much we were overspending! we've been debt free ever since.

[@jillygirl2024]

YES IT WAS a wake up call ! I have used my unemployment $ to set up an Emergency Fund, a Health Fund, and a Car Fund plus I am paying down debt - no, I didn't want a pandemic to occur but I am making the best of a bad situation.

[@riacalderon2437]

My husband and I were introduced to Financial Peace University by our church. We started attending the class January 23rd just before the Covid started! Our starter emergency fund of $1,000 then is now fully funded for 6mos! Never could I imagine what will happen if we haven't known you guys. Dave Ramsey and team are a such a blessing! It totally changed our lives! Thank you very much!!❤

[@vickieclark5931]

Fortunately I didn't lose my job since it's considered essential. I actually ended up with even more hours cause of everything that was going on. But if I would have lost my job I had the peace of mind with an emergency fund. We have all had our wake up call, which is what makes us change our finances.

[@famof4392]

Praise God, Rachel, that you mentioned the ultimate goal is sharing Jesus with everyone. 🙌🏼. Love your ministry

[@desireecaldwell6864]

I love Dave Ramsey and now I love Rachel Cruze! These convos are so important! Today I went to gamestop and mentioned Dave Ramsey and the 26 yo at the register said he was on the BS2 too! YES!

[@Bhudc]

Irony: I JUST started doing Dave Ramsey’s plan and COVID wiped out my baby emergency find, FYI no debt but, super frugal, a saver and blessed to have no debt. I treat what I want to save for like paying off debt and “snowball”. I have multiple digit savings accounts for every big trip I want to take, anything big I wanna buy (not much and all of it will last long), and buying a tiny house in cash.

[@christinecase3456]

I remember thinking how much I had followed DR’s plan 20 years ago...now I’m thankful I’ve been following his plan for 10!

[@CaseyBurnsInvesting]

Some principles never change across time.

[@opheliamyall2554]

Amazing story. Thanks for sharing. I am also proud to see Rachel following in her father's footsteps. I enjoy listening to money matters as l myself practice good money habits. I have been in s situation where l was out of work for over three years, thanks to having a solid emergency fund, no debt and a good friend, l was able to pay my bills.

[@prudencek7087]

Covid19 has shown me what's necessary and what's not. I have not bought one article of clothing or shoes since February. I realized that I already had too much clothes and had nowhere to wear them anyway, because of covid lockdown.(Next project is to clean out my closet. Lol) Even though my husband took a bit of a pay cut we've been able to get through this pandemic without touching our 3 month emergency fund. And with adjusting our budget we're still able to add to it to build it up to 6 months. BUDGET! BUDGET! BUDGET! We were able to have a wonderful surprise graduation bbq for our daughter as well, because of our sinking fund. Through His word and the Dave Ramsey program, God has truly shown us how to be good stewards of His/our money.

[@Mrsmetamorphosis2012]

Yes it was our wake up call. God provided for us and I will never forget this. Thank you for using the Bible to teach is how to handle God’s gifts to us🙏🏿

[@stephanieg2000]

God has been taking care of my family through this pandemic, too! Miracles!

[@kzanbusiness]

god gave you the virus. would you consider it as a gift?

[@kzanbusiness]

@@stephanieg2000 actually, your job is.

[@JoyofRVing]

Stephanie G amen!

[@sbettieross1490]

I’m so glad I had my baby emergency fund - it saved me from so much stress, and I was able to build it back up. I wasn’t able to get as far as I wanted with BS 2, I’m high risk for Covid. But I’m chipping away and so grateful I started my debt free journey

[@stewbugz5213]

My husband and I finished the Mama Bear Legal forms! its was easy and inexpensive. So nice to know our children are taken care of in the event of anything happening to us! Do it today!

[@sherrygardiner1587]

If it weren’t for my emergency fund I’d have been in deep doodoo when I was furloughed.

[@laurakinmont3960]

The pandemic definitely was a wake up call for us. We sold one of our 3 cars for more savings, got completely out of debt including our house. Currently saving so we can get the 6 months emergency fund. Thank you Dave and Rachel Ramsey for showing the freedom and peace we can have when we take baby steps!

[@sarahjones4023]

What an incredible touching story. Redeemed financially and spiritually! Amen!

[@kfing1]

Bit worried my job is on the line, but having an emergency fund lessens that stress considerably

[@ModelGarage]

You are in my prayers. 🙏

[@Bb2b75]

Beautiful smiles on the thumbnail. Contagious. Thank you

[@lmbarnes3]

3 to 6 mos. Due to covid 4 mos is now gone. 2 mos left and now states are closing again. Was in baby step 2. Main earner. 80% lost. Son came home from college spring break in March when state and colleges shut down, entering last year, and we were cash funding education. He has been looking for work but everything closed. All interns pulled out due to COVID. This is his last year coming up.

[@devinparker1748]

Im in love with Rachel Cruze!!

[@katyedwards3935]

Right now, my dad is my EF, but I also have a fully funded EF.

[@arlenaadams7514]

Please ask your viewers to PREVENT becoming infected with the covid-19 virus. Planning won’t help if we become infected and sick. I cannot imagine having healthcare bills in the thousands or even a million dollars. It’s possible to become homeless because of being unable to pay healthcare bills . I am able to isolate at home. I have done so for months. No one is allowed in my home. My rare ventures outside of my home are only for food and medical prescriptions. I wear a face mask, use disposable gloves and carry my own sanitizer. I immediately dispose of gloves and masks as I am about to reenter my house I do not reuse them.I behave this way to PREVENT the deadly virus from entering my body and/or me possibly spreading it to others. Preparing and planning are not as good as PREVENTION. My emergency fund is fully intact and has been for years. Please help us to stay healthy and safe. Thank you for your reality checks.

[@duckiesantos]

Thank you for your content, you're always so positive :)

[@eringobragh6507]

If people couldn't pay their bills due to covid, then they were living pay to pay. This is the definition of working class. So how come Americans call themselves middle class? 75% live pay to pay. So 75% are working class. Why is this so hard to understand?

[@tristanrodenhauser5267]

I work with Pell Grant students to apply for more scholarships. It is so surprising when these students site their middle class background - - your not middle class if you qualified for Pell. It’s based on household income. The persistence that we are all middle class a false message to make people happy with whatever they currently own. Keeps people comfortable, complacent, calm in economic uncertainty. Ask people the range of middle class and people will site $45k -$450k for a family of 4. Paycheck to Paycheck isn’t the only factor it’s certain jobs which we call blue vs white collar and income.

[@marisolcastellano5068]

To God be the glory!!!! I do not want to be enslaved to anyone only Jesus because of love ❤️

[@TheImperfectReader]

When it rains it pours. Glad to build it and have it.

[@TheEsterp5776]

It was definitely a wake up call for me I’ve been so focus on paying my debt off since I’ve came back to work working 65 plus hours a week signing up for weekend work...

[@TheImperfectReader]

Amen!!!

[@sferrufino]

This is so good!! Thank you!!!

[@TheImperfectReader]

Much needed video this morning.

[@CarolynEHS]

I live in very expensive NJ... I can never seem to get my emergency fund up to par!! Every time I turn around, it's always something!! I feel like I live on the broke side and we make decent money :-( We are 2 1/2 years in and cant seem to win

[@TheImperfectReader]

Need to update my will.

[@TheImperfectReader]

I love my Zander insurance.

[@katyedwards3935]

I've never heard of it.

[@soapinroblox8003]

I am month 2 into BS1. I have never had so much money available and I took a 2nd job. L

[@johnnie674]

Hi, what plugin was used to create the newsletter for this video? I've been looking for something like this

[@jenniferl5456]

It was for me. I still have my job but that doesnt mean they could not lay off still. Im buckling down and trying to knock my debt out and save like crazy right now but gotta start with paying my debt.

[@numanuma20]

Was? It’s still going on.

[@silverfish2341]

We re building a bigger emergency fund. We ve out a brake on paying off break till we reach our emergency fund goal

[@TheImperfectReader]

Back to baby step 2...need to pull out my FPU box again....

[@peetos-chan2835]

This is only if you paid off your debt right? So this video is a moot point if you are on baby step 1 or 2..?

[@katyedwards3935]

It's inspirational to anyone regardless of what Step you're on, especially if you're on Steps 0-3.

[@justbecause9049]

Should be easier now that people don’t have jobs. Thanks for the advice

[@stephenharris2495]

Leslie Sanchez advice has been there for decades, best time to plant a tree is 20 years ago and next best time is today. Some people will have a wake up call and are now ready to change

[@millsathn]

Orrr increase taxes and create a strong welfare system like here in Denmark. If I lose my job, no stress. Makes for a much happier society.

[@Doors067]

Now do this: have your daddy pay for your college and save more money (;

[@theenglishprofessor8411]

Or...go to a community college where you can pay for it yourself and the class credits are exactly the same in the first two years... $avings!

[@yonlindborg7016]

She and her husband

[@jillstover8782]

Sure dont have chump help! This video is old but yeah we been doing covid since feb! No help from pres

[@J3llyBean423]

AVP yeah I can see give you some ,.. space / cool / 300yrs (with pending one death)/ / and we can make see you working soem off / but I done means statemn ./ let's say everything / your and their too /

[@amyleebe11]

Love your channel, but let's have a heart to heart. Can we not do the clickbait title thing? I know these tactics work because I accidentally did it myself once on my blog. I got tons of views that day! However, I loathe them, and I refuse to allow them to work on me, so I always unsubscribe from channels who resort to them. Before I click on a video, I would rather have an inkling about what it contains. I try to never be led around by curiosity alone.

[@COINsimp2024]

I disagree that it's clickbait. It is a hook.

[@stephaniem895]

@skincare ceo I agree. This was not a clickbait thumbnail or title by any stretch. It delivered in what hooked the viewer in: told you to build your emergency fund.