How Do We Save and Pay Off Debt at the Same Time?

[@tylerjenkins7977]

I followed Dave’s plan. With a baby on the way as well. My wife and I got our emergency fund setup and we kept attacking our debt relentlessly. 90k in less than 3 years. It’s possible just put your mind to it and follow the steps!

[@justinaacorn5721]

Congrats, it’s hard work and definitely worth it!

[@offerskirksey2255]

What was your household income? City?

[@leadnsteel1428]

I paid most of mine in 2.5 years had truck loan and some credit cards making about 60000 income.... just got to go on a tight budget and live below what you make

[@ryant2568]

totally agree, we are going to be debt-free by mid-next year although we have also put the brakes on it for a new bub coming in 6 months, so far we have $15K in the war chest and what does not get used on the new bub can then be funneled back into knocking out the debt.

[@user-zm8hv8py5y]

Tired of being overworked, underappreciated and those who just cant seem to get ahead despite their hard work and best efforts, to become FINANCIALLY FREE. Motivated by his genuine desire to free people from modern-day slavery, @trade_barclaysplc on IG is now looking to help 1000 people make $100,000 a year!!! He will teach you how money works and how adopting the right mindset is the key to creating the life of your dreams!!

[@JDizz0413]

Dave will never be unemployed... People ask the same questions over.. and over... and over..

[@yvonneespada7067]

Very similar to what happens in the Bible

[@thedropman]

and over.. and over... and over.. and over... and over..

[@anthonyca]

New people are coming in all the time. There are 12 grades of school and 4 plus years of indoctrination to reverse.

[@moneybee]

@@anthonyca It's amazing that Dave's show isn't an eye-opening proof for education system to wake up and realize that this is a subject that needs to be taught in school! The earlier you learn it, the more time you have for your money to compound, so it makes so much sense! So true!

[@anthonyca]

@@moneybee there are way too many forces that depend on ignorant, stupid consumers. These forces are both inside the US and outside.

[@LuhRen]

I pray for ppl in debt. I've never experienced it but the stress and anxiety I feel just listening to some of these people's stories is enough for me to feel how they feel. I hope everyone can be debt free. It's the way to be.

[@lmaoooo8764]

Honestly I don’t feel bad for people who have kids and know they got debt if you can’t afford them don’t have them.

[@journeytothevoid2899]

I’d like to know if Dave operates his business off the same principles ?

[@turtleanton6539]

It is The only way 2 be

[@victorcretu7741]

Without debt, I would have been much poorer.

[@jimroscovius]

​@@journeytothevoid2899 Yes, he does. No debt and he doesn't use credit cards. He owns all of his real estate free and clear, bought with cash.

[@charltonbrown1624]

Paying off debt is saving .

[@TheDragonHealer]

Looking at debt free at the end of 2020. I can see the light.

[@moneybee]

Better start warming up the vocal chords for your debt free scream! Way to go!

[@sarmoi4952]

Good for you! Proud of you!

[@G-bit88]

You got this.

[@JamesJamersonIsAGod]

Way to go! You got this!!

[@rossedwardmiller]

Same it’s so sick

[@rebeccagreen6647]

I’ll be debt free in two weeks. $2700 to go 😩🙏🏽 Edit: I am 100% debt free now ❤️😩 Edit 12-26-2021 I have now saved 6k😩🙌🥺

[@GriseldaOrtega]

Congrats !!!!!🎉🎉🤍

[@LoanNguyen-jj7wv]

Whahoooo

[@callamcodes]

Congratulations on getting debt free!

[@ajwalker2365]

Hella congrats!!!

[@racquelholness169]

well done

[@Mochachocalatteyaya_]

Binge watching Dave’s videos after I got off track. I have got to get this debt paid off!!!!

[@DduarteCT]

Go for it!

[@OneHealthyNut]

You got this!

[@blueboat9581]

It's 100% possible. I was in a very bad situation a year and a half ago. Get serious and make some changes.

[@niggasaurusrex9482]

Keep at it!!

[@knowledgeseeker4116]

You can do this! Build the life that you want!

[@camillacvc]

I’m a new listener and have been binge watching all Dave Ramsey’s videos. I’m on baby step number two now and hope to be debt free by the end of 2021. I can do it! I have never been so excited to record all my expenses and follow through. Gives me something to focus on and look forward to. Crazy how much we spend and don’t realize until we put it all down on paper. I’m SHOOK!

[@sunset6010]

Yes ! 25 years ago, i did a YEARLY audit of expenses. Realized i was spending $1200 total on hair salons ! Had a heart attack - went from 6 - 4 - 2 - 1 Haircut per YEAR and spray highlights in my hair. Total = $60 year

[@rap95811]

Me too!!! I’m talking to everyone about this... People probably think I’m joining a cult 🤣🤣🤣

[@LifeWithMutts]

How do you find what the babysteps are? Is it in DR's book?

[@justinaacorn5721]

@@LifeWithMutts in the book, website and the KZbin channel, do follow all steps they make sense!🙂

[@camillacvc]

Baby Steps - Baby Step 1: Save $1,000 for Your Starter Emergency Fund Baby Step 2: Pay Off All Debt (Except the House) Using the Debt Snowball (debt snowball = smallest to largest amount) Baby Step 3: Save 3-6 Months of Expenses in a Fully Funded Emergency Fund Baby Step 3B: save for a downpayment for a house if you don’t have one already and if not able to pay all with cash. Must be a 15 year fixed rate and the payment should be only 1/4 of your income and no more. Baby Step 4: Invest 15% of Your Household Income in Retirement Baby Step 5: Save for Your Children’s College Fund Baby Step 6: Pay Off Your Home Early Baby Step 7: Build Wealth and Give

[@theayegerlehner7793]

January 2020 I began each payday setting aside $1 bills for trip to my son’s in October to cover food costs. Saved $5 bills for my kids Christmas! Done by July. Debt free owed $12k! Keep your budget simple-- keep your life simple! My first big debt was thinking I had to have every baby object! Enjoy your baby!! Give them you’re time!!

[@shellyagourmet9409]

This guy is so lucky he has family with money already the fact that his mother gives him money and he just got an inheritance is a huge blessing. I have none of that whatsoever good luck guy

[@pricejuice]

Frfr

[@danielponder690]

Yeah. Why is he calling???

[@knowledgeseeker4116]

Gifted money can be nice....and a curse If you are not right with it.....study the lotto winners, and others who were not smart with money.....sad endings for most. Even if you are dirt poor money and finances can be studied. Our local libraries have tons of books about wealth for us to read.....Dave Ramsey books are in the library for free. One page at a time until we learn.

[@bigshotadventur18]

​@@danielponder690beciase

[@chaselesser3191]

@@danielponder690I think he still has a tight budget, $70k in California. 😬

[@ludens1526]

Can’t save money when you owe money with interest Common sense. You can have $40k in the bank and owe $50k you’re $10k negative. You’re broke. Build a small emergency fund and pay off your consumer debt

[@JakeM218]

No different to building up an emergency fund though. Saving 1k while you’re in debt. This guy knows he owes money. He just needs some emergency liquidity for when the baby comes, as like it or not, you HAVE to buy new things with a baby - bottles, clothes etc.

[@ryant2568]

the baby step 1 of saving your $1K is just as a basic emergency fund because life happens. once you have that $1K then you start attacking the debt.

[@andrewfanelli1409]

I’m an advocate of having multiple income streams. As a long term and short term basis achiever from my investment on the financial trade market, I can tell you on sure fact a portfolio on the financial trade market is an alternative source of income especially now in this pandemic so we don’t have to go through all of this

[@mr.boostang2064]

Same logic I told my wife when we had 10k in savings but owed 42k in student loans, glad I found Dave's baby steps 2 1/2 years ago, now we are debt free in baby step 6 paying off the house within the next 5 years 😎

[@user-zm8hv8py5y]

Tired of being overworked, underappreciated and those who just cant seem to get ahead despite their hard work and best efforts, to become FINANCIALLY FREE. Motivated by his genuine desire to free people from modern-day slavery, @trade_barclaysplc on IG is now looking to help 1000 people make $100,000 a year!!! He will teach you how money works and how adopting the right mindset is the key to creating the life of your dreams!!

[@Porter5habazz]

I’ll be debt free by the end of this month. Speaking it into existence. Thankfully, my debt is not too much.

[@ryanzavala1315]

Dave Ramsey stopped me from buying a new 2022 Camry and suddenly have an appreciation for my paid off 2004 expedition

[@theymstudio1387]

Mate! I’m with you here!! I was about to go all out on a brand new 2022 Fortuner! 64000AUD, and not appreciate my 2012 X Trail that’s currently in repairs, and paying for that in cash. And I only have about 3k in debt. So I’m loving the fact I’m getting a reality slap across the face with Dave’s content!!

[@Je.rone_]

Create a system of sacrifice and self-discipline

[@suzannas.4965]

I agree with you. People think sacrifice is a HUGE thing but in this context - Dave Ramsey's get out of debt - it's for a limited time. Which makes it more palatable. Also, I think people's spending habits change during the sacrifice period and I don't think people will go back to their old spending habits. I've read his book and shortly thereafter I had to go through my "sacrifice" period and I've come out better at the end. Friends and family did not understand that I was CHOOSING to give up because I had an end goal.

[@sue7335]

It always works.

[@unrealhighlights3853]

I love when Dave turns to Rachel and Rachel already knows it’s her time to speak

[@matthewgardner2144]

I like how she nods her head and pretends to be concerned and then jumps into her canned babble. "Gazelle focus" lol.

[@MostDopeJavi]

$8000 in debt, paid down to $3999 I feel much better !!!

[@DeionSardines]

People need to realize you can do both, you just can’t save as much as you should pay off debt first.

[@turtleanton6539]

Faxx

[@Donnafrank-k6e]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing below the $100k mark and in the first 2 months, my portfolio was reading $234,800. Crazy right!, I decided to reinvest a huge percentage of my profit and it got more interesting.! For over a year we have been working together making consistent profit just bought my second home at the beginning of summer.

[@MathewOliver486]

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

[@Donnafrank-k6e]

@@MathewOliver486 However, if you do not have access to a professional like Suzanne Gladys Xander, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

[@MathewOliver486]

@@Donnafrank-k6e Oh please I’d love that. Thanks!.

[@Donnafrank-k6e]

@@MathewOliver486 Suzanne Gladys Xander is her name .

[@Donnafrank-k6e]

Lookup with her name on the webpage.

[@icu_corey_rn_903]

The steps WORK… it’s amazing how when u have a plan and give every money a “job” with just a small amount of discipline how efficient it is. I know it sounds silly and elementary but I was never taught this

[@Joelthelobo]

It would be interesting to find out how much growth this channel has grown since the pandemic

[@laur-unstagenameactuallyca1587]

you can use social blade to check

[@yowmemperor]

Moved from NY to CA, Dave immediately shakes his head lol. Baby step 1b, leave CA so you can have $ to pay off debt?

[@devinparker1748]

moving from NY to California is like going from a train wreck to a plane crash

[@joshuatate5671]

Frying pan to fire

[@lifeisgood070]

@@joshuatate5671 lol literally on fire..... every year

[@wanilimbe]

Plane crash to plane crash

[@UncleSwell707]

That's what I was thinking. I left New York for Florida. Would never move out west.

[@wanilimbe]

@@UncleSwell707 The south and midwest is one the most beautiful places to live. Conservative, and beautiful land. Cheap too.

[@Black_Jesus3005]

Thanks Uncle Dave 👍🏽

[@jordanw0610]

This is definitely a balancing act. You just have to tip one higher than the other depending on your situation.

[@tomtensecretlanguage9273]

God bless Dave! He gives this info away for free via KZbin! Sadly, the Ramsey empire will not survive without Dave.

[@gavinstoub3489]

Not free he gets paid on clicks “ads”.

[@JoseReyes-sw6xd]

Nah the Ramsey show will be fine

[@613JMM]

I think he meant he inherited $19k, which his mother (as the executor of the estate) was distributing $5k at a time, and he was supposed to save it for a down payment on a house. Not that she was sending $5k at a time, AND he inherited another $19k on top of that.

[@mjn3000]

Three person in the household, 70 K household income, living in California. Good luck.

[@koreypaul6698]

I wish I made 70k here in San Diego 😅

[@PInk77W1]

If u live frugal no problem If u daily attend Starbucks Big problem

[@klajate8031]

@@PInk77W1 yep that is true

[@PInk77W1]

@@klajate8031 There is a story on KZbin where a Lifelong janitor retired with $8M in the bank. He never bought a new car Never bought expensive anything. Invested every month for 50yrs. I just started working for Oreillys auto parts as a driver. The pay is lo but they have 401k plan and we can buy stock in the company. It’s all good

[@reezyrehd6454]

@@PInk77W1 Stay committed, you have the mindset just stay disciplined and you can do it too! Why not!

[@bunnie1294]

LOL Dave's face when he said he moved from New York to California!

[@jackiem9460]

Right. They go from one expensive place to the next.

[@chuyamaciel]

I lost it there too! Hahha I was like wrong move already! Unless he’s living w a family or a out back house lol

[@irishcladdagh3]

I reacted as well....jeepers

[@mikeshaw4610]

Very good point. Babies and pregnancy can end up with unexpected bills. Hopefully everything goes well.

[@ryant2568]

totally agree, with a baby on the way you want to stockpile cash. New babies are crazy expensive, then you have to also think of your wife and how long she is going to need to be off work.

[@aaronxavieruzcategui2455]

Dave's smirk when he said "I'm relatively new to the family"

[@Manatti06]

D. Ramsey = Financial wisdom

[@jessewilson-music]

Rachel looked legitimately concerned about that cough

[@ItsBrittany.]

😂😂😂😂😂😂😂

[@paulinoaz]

Her expression did not change at all lol

[@MendozaEd]

🤣

[@preciousdavis247]

I just found you through another KZbin video and I am looking to be debt free by 2022

[@SuperEddietv]

The stress of the new building is starting to show. "When you drive a new building off a lot, it is no longer new."

[@yvonneespada7067]

God bless all of Dave Ramseys days and that all his blessings extend to all he is associated with. That anyone who has heard what he advises heed it. Thank you for being a God fearing man and using the wisdom for good and making sure that the good news lands on many ears

[@fionay2014]

Amen

[@JoseMora-wc5zz]

Amen bro.

[@Junior-fy8bn]

I Needed This Thank You!!! Similar Situation Minus The Inheritance . But Baby Is Due Next Month!!!! & Wanting to pay debt down.

[@blacksheep6941]

I love it! Good, sound advice about life not just finances!

[@fabbz94]

I've paid off almost 26k in debt this year hope to be out by middle of next year.

[@MFFL674]

did he really say $70k household income in california? there's no way to live without debt in san diego on that much income.

[@TheKeyTakeaway]

I was surprised that on this case they went on the exception, save as muuuuch money as possible and after baby is safe and sound and house finances steady, THEN continue tackling debt. (Just paying current installments, not falling behind though). Congratulations for the baby!

[@sunset6010]

Agree. I was surprised as well. Maybe it was the factor that the SAVINGS would make them feel better, knowing a baby is on the way ?

[@rrrrrfffff]

He's given this same advice before - when having a major upcoming event that is unavoidable and going to be costly, he always says to hoard & pile up cash, put everything else on pause until things are back to normal

[@TheKeyTakeaway]

@@rrrrrfffff Thanks for the info, first time seeing this scenario!

[@justjill2896]

Looking at these numbers make me feel greatful for only having 9k in debt

[@silverltc2729]

British guy that has spent long time in the US. Unique accent

[@KekeeBlack]

Kind of sounds South African

[@peterkelly8357]

@@KekeeBlack I’d say Indian

[@donnaallgaier-lamberti3933]

My question has always been how do we pay for a mortgage, a car payment, raised two children, buy life insurance, save for college AND save for retirement on $40,000 income per year?

[@adebukolaadedunni694]

*dr.clark26* ōn !g will help you out for sure ... He’s fast and reliable

[@factsoverfeelings421]

Why would you have two kids if your income is that low?

[@TRUYORK718]

Ya dont.

[@SilvanaSilva-mm3mk]

You and your husband need to get a second job….lol….if you are a single mom then you will need to get a 3rd job and so on so forth …cheers!!!

[@chrismccaffrey8256]

Do. The. Baby. Steps!!! Just look them up and do them. Thats it. Simple.

[@darrylgreer68]

Dave Ramsey legend, much love from Belfast norther Ireland 🇬🇧 🙏

[@marielalvarez9224]

I’m frustrated I have no one to talk about money. It’s sad because I had try to speak to my family about money they got this weird look in their faces. They tell me not to worried 😦 we all going to die and don’t even enjoy that money. Others give me ideas on how to invest the lil money We have saved. My dad ask me once why my husband work so much and so hard 😂 I told him so he don’t have to work as much and as hard when he gets old he laugh and said but that’s when you work the most. And he is my father i have nothing but love ❤️ and respect for him, so I said nothing just walk away. They all think I’m a frivolous woman hungry for more money. When in reality I just want to get out of debt save for my kids education, save for retirement and have several sources of income. And on top of that my husband don’t put any interest in our budget even when I ask him to have a budget meeting. He tells me yes but never happened and I don’t want to force him I think he is a grown man and should know better. By the way I’m 29 pregnant with my 3rd have 22 k saved and a lot of debt and I can’t stop feeling guilty for have that money saved up with all the debt we have but at the same time I feel secure and safe. And My husband is about to get laid off.

[@kadenen]

Even Dave recommends piling money if job security is unstable. Try to get rid of that debt once a job is secure. You can do it!

[@MammaKat1]

Maybe you should do the Ramsey+ for 2 weeks at least, so you can have someone to discuss it with.

[@simplyshernaofficial]

Thank you Uncle Dave great advice as always🙏🏾

[@GuitarGuy650]

Dave's blood was boiling red when she went "off brand" and told the guy to actually consider his baby 😂

[@BGoetz1182]

I love how we have to spend money to save money…!? Using the Ramsey financial tools, they’re another monthly subscription we have to sign up for that Dave tells us to cancel and cut out of our unneeded expenses…!? Make this make sense.

[@piglo318]

Bruh bruh speaking major facts. He said we are the gods that ppl need bc ain't nobody else telling him. And then he said that God talk to you when you angry, when you ain't got no other way but to go to him. You ever notice that when you mad as "hell" your hot? You feel a fire inside? The Bible says that God is a consuming fire. And I've really witnessed results during the times I was hot. Praise God and this guy definitely the truth.

[@jameswalker5645]

Moved from New York to California, quite a step up there.......😐

[@chelsieehh9308]

Just downloaded the app! It’s about time I budget. I’m a single mom and in debt from divorce and a car.

[@hassbapz4969]

You got this! 🙏🏾👍🏾

[@SubToRandomVideos101]

😍😍

[@soonermagic24]

Hey there 😜😂😂

[@FrogRN09]

You can do this! I tell my clients in your situation that it's time to take their power back!!! You've got this!

[@anaa03899]

Chelsieeh H I been there too and let me tell you YOU ARE STRONG ENOUGH TO GO THUR THIS 🙏🙏🙏

[@Takar100]

This is why the baby steps are a good thing. Gives your priority and order. If you're in the debt payoff part, pay off the debt. If you're in the savings step, save. Baby throws a wrench in it, but after that keep it simple, and follow the steps.

[@PInk77W1]

Order is the first law of heaven

[@TheFrugalife]

Gotta love Dave! ...and that cough too 😂

[@labornurse]

Smart to point out they need to pile up all the extra money in anticipation of birth and the surrounding events. God bless them that they have an easy delivery, but as a labor nurse I saw what can go wrong daily.

[@jimhandler1129]

You really can't teach anyone to be disciplined on saving, investing and spending. They are responsible to have self control and live beneath their means. Some just decide not to do it, and focus on acting rich.

[@nicole4779]

Dave: Coughs ME: 🥴😨😳😳😳

[@ItsBrittany.]

Bahahahahaha

[@michelhanson1500]

Personally I couldn't do both as my loan payments were done through salary deductions

[@bmaiceman]

WHO GETS A WARNING They were going to loose there jobs???? When DELMONTY shut down. And CLOSED permanently our plant.... We LITTERLY LEARNED THE SAME DAY we where put out!!!!! No warning what so ever!!!!! I was crushed financially!!! It was like suddenly hitting a brick wall.

[@galaxeuphoria.]

continuously helped me like you have. I thank God for your presence in my life. Thanks a lot!!!

[@Treana08]

Paid off credit card and three other loans. Onto student loans and car loan.

[@cancerwoman5136]

I don’t know why he didn’t just use the 19K to pay the debt and then save the rest of the money there was no need for this phone call

[@ussfreedom4422]

I couldn’t do the $1k savings because things would always come up - like not having enough money for food sometimes and it was so frustrating to see my account dwindle monthly. So for now - I’m using one of my incomes to pay off debt and the other two I’m using to save $5k then I’ll use my incomes towards more debt once I reach my $5k goal.

[@SuccessMindset2180]

Managing debt, family and savings is a limiting problem prevalent right now

[@camdonperry5736]

I would never discourage someone from using a credit card. You just have to use it for things you can afford. Then you earn rewards for spending the exact same amount you would normally spend on debit

[@BrendanEvan]

Hey both are good options and turning things around to make better decisions is the critical thing.

[@Deng1neer]

Man I would hate to spend a 19k inheritance on something as stupid as a car. I would sell the stupid car and pay cash for a used 5-10k car. But oh well, I guess Dave will always have good job security because of stuff like this.

[@harentino1986]

Finally a fellow Englishman living the California dream on the show!

[@debse.7286]

Don't cut up your card. If you pay it off monthly, there is no issue. Cards insure your paments.

[@mattshaffer83]

Does the same apply for a wedding?

[@RelaxzMV]

Alternative living, minimalism, and you can save alot.

[@spankynater4242]

And don’t live in New York or California.

[@goldandsilverstack3]

Almost on baby step 2!

[@yolandamccrea2827]

I'm a new listener can you tell me where are these steps listed? Also, were do I tune in to his radio program?

[@Webbygears]

Why use debit? There’s so much risk going debit only instead of using cc responsibly like it seems he’s doing

[@The1LadyLovely]

This was helpful

[@lilianareyes9594]

My partner and I have paid off 20k of 45k since last summer.

[@scottduchesne3874]

Let’s move from the second highest tax state to the highest! Lol

[@james-mayonnaise007]

Made some bad decisions in my early 20s I blew 30 grand...now I'm on a mission to get it all back

[@callamcodes]

I'm looking to get debt free by end of the year!

[@MythicalDrP]

The way I’m paying off debt is saving the total amount and then pay it off in one lump sum. That way if you ever run into problems you have the money to pay for it. Eventually you will have the money to pay everything off. Just budget your monthly expenses and be very strict on spending.

[@noahnehler]

I love these topics

[@griffin4248]

Wait they has a second car. Can’t they just get a car that will run for 5-8 instead? And cut down most of the debt? I’m confused why Dave didn’t suggest this. He made it sound like his other car is nicer than the one he bought for 18, which would put him over the 50% rule....

[@dibailey540]

He said second HAND car. Not second car. :)

[@frontman4320]

Sometimes it seems Dave pushes the hangup button way too soon, that further discussion could take place. Does anyone know what the caller hears afterwards? Hopefully its not literal end of the call for the caller :)

[@missmargmillionaire6421]

Why did this guy even call? I'm jelly!!!! 😂

[@TAPPChannel]

So you don't allow to use Credit Cards even if those are paid off in full with every statement?? I like to use them for 2% cash back reward but I always overpaying statement balance

[@chrisstaub5880]

Most people who can handle paying off their credit cards in full every month don't usually have a need to call Dave Ramsey in the first place.

[@JessicaHicks]

Answer: a budget

[@OIPIO]

I cringed when he said he was moving from New York to California, never move to a super expensive state before you are financially set

[@marquestanderson1388]

California is a big state. Stay away from the Bay Area and LA. You will be fine.

[@chrisludwig9783]

Um new York is just as expensive

[@shoeplayisbad1]

@@chrisludwig9783 probably more so

[@elisportsguy8154]

@@chrisludwig9783 exactly

[@silverfish2341]

I just cut our credit card in 10 small pieces. It was very fun.

[@factsoverfeelings421]

Why? You could just keep it in your wallet and it’ll cost you nothing. People have no self control these days.

[@alperenhayta3184]

They deserve everything that coming to them. What they do to innocent people is awful. Thank you so much for what you do. It clearly is getting to them and love to see it. You guys are doing the real work here! This happened to my 97 year old grandmother and luckily we caught it just in time, thanks to these recovery!! THANK YOU *MYSTERY PLANET ORG* !!!!

[@blackbutterfly233ify]

what

[@sulaimankhan8033]

I hate debt

[@nhathongthaipham]

Great video.

[@PInk77W1]

Paying off debt is saving

[@Hauntswitch]

Debt free by 2024... it’s a process

[@________________9862]

why pay off the car? Is the interest that high?

[@spicerc1244]

All these people watching KZbin during quarantine. I was doing Doordash 10 hours a day. But, cool, a full-time pastor just kicking back at his computer. Not exactly what Paul the Apostle did.

[@spankynater4242]

You’re right, Paul was delivering for DoorDash.

[@spicerc1244]

@@spankynater4242 He was a tentmaker so that no one could say his holy mission was for money.

[@spankynater4242]

@@spicerc1244 and he also delivered for Pizza Hut.

[@victorcretu7741]

Every year I add $5000 in debt, but I also contribute $20000 to my (Canadian) retirement savings account RRSP (= 401k in the USA). The debt is under a line of credit at a 7% per year interest rate (now, but variable with the prime rate). The RRSP has been giving me an 11% per year return over the last 5 years. I've been doing this "game" for almost 5 years. I have reached now $140000 in my RRSP account but I also have $26000 as debt. Should I continue this game or should I stop? It's probably worth mentioning that $20000 in RRSP contribution is giving me a bit over $8000 in tax savings (deferred until after retirement, the money is being taxed on withdrawal; once you retire and stop the RRSP contribution, you have to withdraw around 4% per year). Retirement in 10 years.

[@arielgriffin7273]

So if I live in a hotel and two jobs But no car I walk or Uber to work . Do I get a car or apartment first please help

[@HenrySimar]

Thanks Dave

[@tammyhenderson7107]

You put some in a separate account. You also pay down debt. You would be surprised how fast that seperate account grows. Once your close or surpace. Transfer pay off !start again .

[@uriel-heavensguardian8949]

Awesome video!!!!!

[@denitracole1027]

It's hard to budget money 🤑 right now I only have change I never touched it that's a good idea to teach me to budget money