You changed my family tree David Ramsey. I love you man....You dont even understand. The little man CAN get ahead!
@modestogarcia5995 Жыл бұрын
Ancient word "NO" love it 😂 Ramsey you're the man. Just getting started but one day I will be at the top and coach as well
@sctony71166 жыл бұрын
You pay a price to win... this is the most remarkable thing comin' outta his mouth. Certainly one of the best words I heard for long time. I'll note it in my memo.
@mistydelahay92556 жыл бұрын
The more I pay off the more empowered I feel. You're so right It's choice.
@chessmaster11153 жыл бұрын
This may be Daves best show right here. Dave addresses importance of choice and wisdom of self control.
@iemjay6 жыл бұрын
I have a friend I was talking to other day about paying off debt, and he was almost oblivious to how much debt he is accruing. He's one of those people who views credit cards as free money. He told me when he maxed out first credit card, he just got another one. I didn't want to believe that people actually thought a credit card was free money, but I was wrong.
@emailme67856 жыл бұрын
This video made me laugh so much, I was crying! 😂 I love hearing Dave Ramsey cutting out all the excuses people give. He reminds me to stay focused & on track. Self control is everything. Ready, set, go - CHANGE!!!!
@talawoods256 жыл бұрын
Took me ALL day to build the courage to listen to this. Thanks Dave.
@du-gu2mm5 жыл бұрын
wish I had listened to dave 4yrs ago before I bought my new house and brand new suv, full of regrets now coz im in debt but im starting to get up bit by bit with a big hope that I will surpass this turbulence im experiencing now with hard work and GOD 's mercy.
@georgievvladimir6 жыл бұрын
I lost 44 pounds in three months. Still keeping same weight two years now.
@arleneaugustahair83936 жыл бұрын
💃🏾💃🏾💃🏾💃🏾💃🏾 CONGRATULATIONS!!!! 🎊🎈🎉
@jorlowsky4694 жыл бұрын
Keep going Vladimir! 🥂
@markwhittaker68664 жыл бұрын
Absolutely fantastic. Keep on keeping on.
@tdo71256 жыл бұрын
Thank you so much for this message, Dave. Needed this right now. God bless
@EliteClinicalResearch6 жыл бұрын
Don’t spend more than you have, but just because you have it doesn’t mean you should spend it.
@Cahluvca6 жыл бұрын
Elite Clinical Research Power of choice!
@christinad44125 жыл бұрын
“NO” will change your life.
@markwhittaker68664 жыл бұрын
Exactly.
@QBL111046 жыл бұрын
I absolutely Love this man !! The honesy is raw I love it. I need me a daily dose of Ramsey every day !
@gardenlife-vz7pi5 жыл бұрын
Agree😊
@SeraphinaoftheBayou5 жыл бұрын
Yes, in order to stay the course I gotta listen daily!!
@Col9955 жыл бұрын
I love listening to Dave he keeps me in check throughout my journey 😊😊
@joselozano3564 жыл бұрын
He's so right about saying no the whole month of January I have said no to my wife and kids and so far I have saved 1200 in one month thanks Dave
@mphomashamba32774 жыл бұрын
i paid off my debt from listeining to you for one month. You made me realise I've been entitled and spoiled to even be frustrated. , I need to get supplementary income and thanks to you, I'm empowered and finally believe I can.
@estrellalapute834 жыл бұрын
Saving that video for when I feel like doing something stupid. I’m paying a $12000 car debt because I co-sign a truck for my ex boyfriend now I’m struggling but I will get out of it. I will never play wife to a bf I learn my lesson.
@stars18365 жыл бұрын
Self control while very difficult, is very rewarding in the long run. When we make a goal, like to lose weight, it takes self control to reach that goal
@ryanthepianoman272 жыл бұрын
Your rich!
@chasedavidson28553 жыл бұрын
I was in a rut a couple weeks ago and wasn't happy with how i was mismanagimg my time. Then I decided I had enough and decided to change and get on a daily schedule. It's hard getting everything done and sticking to it but its definitely worth it
@Don-Oracle6 жыл бұрын
DON'T SPEND MORE THEN YOU HAVE.
@Don-Oracle6 жыл бұрын
Make Money Fast I hear you loud and clear. Time for Change!
@lishabeee38186 жыл бұрын
Most importantly, spend less than you have. If you spend all that you have, you'll always be back at $0. Live below your means, so you have enough to save. I've learnt this the hard way and still learning 😑
@Don-Oracle6 жыл бұрын
lishabeee and we continue to learn everyday :)
@kaohsiung996 жыл бұрын
* than (not then)
@BE4ST85 жыл бұрын
than*
@TW-do2lu6 жыл бұрын
God will always hold up his end , but you have to uphold yours.
@markwhittaker68664 жыл бұрын
PREACH! That should be on T-shirt.
@reewazkhanal6 жыл бұрын
5:08 The imitating voice that he makes are equally as good as his rants. Love them!
@tlashai99026 жыл бұрын
If I didn't hear this, I wouldn't have started my day a different way.
@alexcorral58296 жыл бұрын
That 1% stat is mind blowing.
@sarahkendall33136 жыл бұрын
Alex Corral thought the same thing!!!
@commitmenttoexcellence6 жыл бұрын
Soooooo glade I bumped into Dave Ramsey 25 Just graduated UNO accounting degree, feeling good ab future
@MrAceman826 жыл бұрын
Everything that said Dave is right, it is behaviour problem, not math. When someone said, he/she is bad in math, I usually response, but it is 2nd grade math prevent spending more than you earn. Unfortunately, every generation have adult children, who want everything NOW. I know an old people who are still adult children. I always preach to people to make budget and track expenses, that is the best weapon for financial success, not the high income. I have seen a few people with high income, but struggle every month. The high income is welcomed, only if you have self-discipline, otherwise could be curse for people. Just see lotto millionaires history, and you will know what I am talking about.
@AngelTechno4 жыл бұрын
He's absolutely right. A lot of people have gotten so comfortable that wherever they are in life (specifically I'm mentioning being poor), they've already accepted that as their reality. If you're poor, then that's your reality and you believe that it's gonna be that way for you forever, unless you actually do something about it until it's not your reality anymore. It's not gonna change on its own. If you want to be wealthy, take action, get there, and then stay there, and accept it as your new reality. Once you do that you'll never be poor again. Prosperity is possible, but that outcome is on you.
@Chappers.Gaming5 жыл бұрын
Gota say I'm 22 and I listen to this guy, Evey time I listen to it him, he sounds like a send father I take it all in, and now I'm definitely going to not get debt
@williammartin94504 жыл бұрын
NO-vember! I drew the line in the sand starting the beginning of this month. "BabyStep 1" complete and onwards! Things have changed already in 3 days so stay hopeful folks. Peace
@GS.9093_Mart3 жыл бұрын
Keep us posted man, good luck! You got this!!
@sigmaomegaalpha2376 жыл бұрын
Very true Dave. And it’s not as complicated as calculus..it’s all about the choices we make. Very powerful this message is..
@ricardoescobar6555 жыл бұрын
Dave you are so Inspirational.. I wish I would have discovered your channel earlier, but there is a reason why I bumped into it.. Wish you more wealth so You can keep helping others.. God Bless!!
@jeshurandianga12515 ай бұрын
True using the word No more often is a magic trick.
@Trudragon885 жыл бұрын
"well thats dag gum insightful man , how'd you do that? " made me LOL
@tripleekitchen...66765 жыл бұрын
You're on point. God blessings.. I never spent more than I have or make.. Everytime I work overtime,I save it,because I tell myself if i didn't do the overtime, i wouldn't have gotten that money, so i don't go out and spend it, i take some of it and help others.. Some people just don't have common sense and some of them selfish.
@thetommantom5 жыл бұрын
I went from $800-$8,000 in one year. Still in debt, except that's 1/3 of my debt paid back. Now those 3 minimum payments are going into my savings accelerating saving up to pay off the rest.
@j.chrislowe48135 жыл бұрын
I like how he talks in that weird voice..sounds like one of the sesame street characters
@jennn59565 жыл бұрын
NO! 😂 This is awesome. Being intentional w your money, health, career, education and life! Love ya Dave Ramsey.
@switchbladeromance14666 жыл бұрын
Dave..you are my money and faith guide..God bless you for all your work and advice..you rule👍👍👍👍
@cesargalvan8965 жыл бұрын
Thank you so much for all you teaching and coaching to be debt free my wife and I we started this month you instrucción and we paid 3 credit cards already in we going to keep going until we finish!! Is amazing how this work if you stay disciplined and spend less that we make!! Our new word is NO we don’t need it, is fenomenal!!!!! GOD Blessed you today and always for help me to make my family debt free 🙏🏻🙏🏻
@glendaleduque6 жыл бұрын
Love your rants! 🙌🏻🇵🇷
@JustNobodySpecial-06 жыл бұрын
Thank you Dave. 25 year old definitely needed to hear this.
@ryanthepianoman272 жыл бұрын
How old are you now?
@Cirearyk2 жыл бұрын
Dave you’ve helped me become into a whole different person. I appreciate your wise advice.
@Degga9116 жыл бұрын
I've been struggling, have little savings and my income practically equials my outgoing. I've worked out how much I have after mandatory depts every month and draw that out in cash. I've stopped carrying my card and only take a little cash with me when I go anywhere. Slowly I'm sorting it out.
@ryanthepianoman272 жыл бұрын
Wow your rolling in the Dow now!
@joelratemo17525 жыл бұрын
If you lived in Kenya and earned $55,000 a year, you'd be among the 3% super rich in the country. If you are from the US and earn anything close to that, be grateful. You're richer than so many people in the world. You have no reason to be broke or poor.
@julied9156 жыл бұрын
I can't help but laugh. Love this.
@willn52134 жыл бұрын
The realization that im the master of my own world was the best thing ever
@סעדעמאשה Жыл бұрын
Love you dave, from Israel, the knowledge you give is priceless.
@pjloves6jenson3165 жыл бұрын
I love listening to Dave Ramsey he gives me so much hope!!!
@lancelotdilig32426 жыл бұрын
I wanna make how Dave says "Change" my message tone.
@chrisbaker26696 жыл бұрын
A budget is simple math.
@durden24806 жыл бұрын
Yep you either have or you don’t!
@janebaker49126 жыл бұрын
Chris? My uncle?
@Tr1Hard7775 жыл бұрын
Being a millionaire is a BY PRODUCT of self discipline. You need to change the character of who you are. Not just one aspect of your life.
@thelazyace7516 жыл бұрын
I love this one!! I watched this twice. I probably should watch this everyday and thanks for the video
@catchingmellowmartians49095 жыл бұрын
My favorite video you've made, thank you!
@erikr8353 жыл бұрын
Dave is a preacher!
@mirandasi83024 жыл бұрын
when i get in to too much debt, i watch Dave and then pay some off.
@fingers146 жыл бұрын
Good stuff Dave the truth! It's up to the individual. You have the power, decide, actions.
@olympicfireball6 жыл бұрын
Thumps up this video, this video needs to go viral
@jimroscovius8 ай бұрын
I love these inspirational talks!!
@gersonadr26 жыл бұрын
Love you Dave!! Cheers from Sydney
@MiguelRPD6 жыл бұрын
I sometimes forget I have a choice lol
@mistydelahay92556 жыл бұрын
Miguel Angel Medina Rise It is a challenge. I forget sometimes too.
@Light-vu6ws6 жыл бұрын
I feel so good watching this after 10 hours of studying hahaha
@peter-jm1pu6 жыл бұрын
Good job! What you studying? I can't focus that long. Or maybe I just don't try hard enough
@Light-vu6ws6 жыл бұрын
The trick is to take a 10-minute break every hour. I was studying for my finals in chemistry, physics and calculus.
@shirin86096 жыл бұрын
@@peter-jm1pu My husband, who grew up with ADHD, is reading a book called _Deep Work_ by Cal Newport. It's about techniques and motivational strategies to focus and build success, and it has helped him focus on his personal projects really well. You might want to check it out! :)
@brandonjohnson48495 жыл бұрын
Pay your bills in advanced smallest to largest 3 months to a year. Use the extra cash flow to knockout debt. Once you're debt free pay yourself.
@kylecoursey6 жыл бұрын
I'm going to start watching this video every morning
@jacobamiri1965 жыл бұрын
Everything you say just makes sense
@SnookOnTheFly4 жыл бұрын
Why is this information so simple for some and so foreign to others? Especially when they see the results
@CG-rr3wi3 жыл бұрын
Thank you.
@dirk48966 жыл бұрын
Dave I'd love to see you on the campus lecture circuit.
@sandralmoore13605 жыл бұрын
recently heard a woman saying she was going on a cruise next year and didnt know how would pay for it but shed worry about it. she was going. i asked 2 questions of when she was wanting to go and how much would it cost her? she told me the answers and i went so its like 12 months and if you save(xx amnt) each month you will have it. her response was "oh i dont want to do that it will be taken care of somehow". uuummmm......uuummm....do what? i tried to suggest how to do it. oh well
@kaysdayschannel92644 жыл бұрын
Thank you Dave so much for this video! Needed to hear that.
@jennythomas32086 жыл бұрын
Amen wise brother!!!! Well said.
@OptimizeNurse6 жыл бұрын
Dave teaching the ancient languages of the past. Good stuff!
@stuartgodric80116 жыл бұрын
Thanks Dave.
@justjennifer16 жыл бұрын
AMEN!!!!!!!!! Thank you so much!!!!!!!
@chasa43476 жыл бұрын
You said NO - I'm triggered and have to go to my safe space!
@kslikk346 жыл бұрын
Chas A 😂😂😂
@JandCfilms16 жыл бұрын
REEEEEEEE...
@JonO3876 жыл бұрын
Chas A You sound like a republican.
@asickspartan27634 жыл бұрын
Dave with the facts. 🍻
@scrappyny74326 жыл бұрын
I saw a saying a while ago that has stuck with me. "He who understands discipline has knowledge. He who cannot accept criticism has none." Not sure who said it though.
The calculus section weight loss, tabling the inner moral decision to eat less: is you have to stop eating all carbs and drinking because both are hormonal disruptors and don't care how morally upright you are or how strong your faith is in the Lord.
@michaelfleming404 жыл бұрын
A budget is Common Sense. ❤
@ForeverCuteDog6 жыл бұрын
this is not just a show and some educational advice . thedaveramseyshow is a religion
@privateprivate83666 жыл бұрын
I JUST posted online a couple of weeks ago just how much I love NO.😊
@mikebrown25526 жыл бұрын
Yes thanks dave I pray in the mornings God to help me be encouraging and have good advice for people at work I'm a union carpenter and I tell everyone around me about you and the look at me crazy not paying me any attention I have meet one other guy who actually just graduated FP what an awesome exciting motivating conversation. But I just feel I need to give your name and what you practice to others I'm 37 and have only been listening 2 months and paid 15k on our 36k debt go baby step 2 lol future goal both houses paid in 6yrs or less god bless Ramsey solutions and team thanks to all who call in and especially the motivating debt free screems
@nomatterhowhardkeepgoing.44402 жыл бұрын
Thanks sir ramsay, I learn a lot 👍❤🤣👍
@sami28653 жыл бұрын
I love you Dave, thank you 😊
@debraweathers51765 жыл бұрын
Thank you, thank you ,thank you....
@NorthEastTrailRunner3 жыл бұрын
Spend less than you earn. I thought that was common sense, but a lot of people don't understand it.
@vivek783596 жыл бұрын
God will help only those who help themselves :)
@trainingwithtony43626 жыл бұрын
Good stuff 👍🏼
@yojimboflm5 жыл бұрын
Hes cracks me up.
@mitsosmitsarasss4 жыл бұрын
Great video
@clair2336 жыл бұрын
3:38 amen !
@DreGamer5 жыл бұрын
Such a Virgo. Hahahahaha David is awesome!!!
@ozunaspainting93294 жыл бұрын
truth be told!
@tonyharrington64764 жыл бұрын
Thanks Dave, those traits were never generational cures,but our choice 🦁🦁🤑
@truckerchannel18853 ай бұрын
💯 % agree 👍
@michaelmcdonnell64765 жыл бұрын
Save FIRST, pay your monthly bills, THEN Spend WISELY.
@brandonjohnson48495 жыл бұрын
I disagree I always pay bills first in advance 6 months to a year. I treat myself knock out debt, than save.
@andreak32946 жыл бұрын
Life is so simple yet we make it so complicated...
@musicandeye6 жыл бұрын
Love love this one. Absolutely genius.... i want bla bla bla... answer: Change!