I've Got More Money Than I Can Use and I'm Miserable!

[@dougdawson1265]

Money doesn't buy happiness, it does buy freedom.

[@janco333]

Freedom is overrated

[@nightfly1985]

Lol

[@iiCounted-op5jx]

freedom = happiness

[@ilexevergreen5405]

& Peace of mind... At least to a certain degree

[@lisabaltzer4190]

It can buy you a lot of misery too. People will hate you for it and many people will use you. Family and in laws will expect you to keep giving them money, and if you don’t, they will spit in your face. I know this from personal experience.

[@clmf2684]

I feel like I have the same problem minus the millions of dollars.

[@b__w_4565]

Right which proves money only solves one problem...your able to buy things and go places. But we have to find out who we are as people and what we want from this life.

[@marleenr1]

CLMF 😂

[@simplyme798]

🤣🤣🤣

[@michaelpadilla4037]

Fo really real

[@repdom07]

Before I even watched the video I liked your comment.. facts 💯

[@buildingwithtrees2258]

I live around rich retirees. They do hands on hobbies. Milk cows, keep bees, restore old cars, have a hobby farm. Not to make money, but to work with their hands.

[@doombuggyc6628]

I remember seeing an old documentary on the queen of England and she was growing her own vegetables and had a big garden and picking it herself . I was like she could just pay people to do that for her or just buy vegetables at the store but what you wrote makes sense

[@cringechannel4213]

Working with your hands is great! Helps you process emotions and is just great for feeling accomplished. It’s how we were made.

[@fookbia8875]

I play tennis, pickleball, and smoke bbq. Lol

[@cringechannel4213]

Sounds like a good life.

[@patriciareed559]

Yes, he needs new hobbies and maybe he can volunteer, because money is great but it doesn't replace the human experience.

[@Potatoe451]

Congrats to the caller. What a genuine dude. Hope he finds everything he needs.

[@Christopherjamesmurphy21]

Im a carpenter, If I was in this position I would build homes for good people in need.

[@jackfordmac]

Thank you Christopher

[@mckjohn654]

How much do you make a year

[@Christopherjamesmurphy21]

@@mckjohn654 um no

[@michaeltren4910]

Then work for it

[@chinkyfist6655]

Thank you!

[@brianmcg321]

I can’t wait to be miserable like this guy. Almost there.

[@thehambone1454]

cheering for you buddy, thoughts and prayers when you get there.

[@NoNegotiations]

Can you give me some money to make me happy. :)

[@sophiasmith5949]

Right

[@Msdwan23]

Me tooo 🤣

[@Kevintendo]

Are ya there yet Brian??

[@CCH1978]

I’m working on having this problem!

[@brittneyyoung1882]

🤣🤣🤣

[@mukundathakur5097]

😂😂

[@riverdaletales8457]

Welp .

[@mansamusah9804]

😂😂😂

[@bethelliott9700]

Giving your time to a charity instead of just money is the most fulfilling thing I do. I walk shelter dogs and it has given me purpose and taught me so much.

[@magicworld3242]

It's better to be miserable and rich than be miserable and poor.

[@Noadvantage246]

Either way you're miserable, I'd say it's better to not be

[@jacques1260]

The goal is to not be miserable, then it don't matter if you are rich or poor

[@d33763]

First world problems, lol.

[@KazzArie]

miserable poor people are more creative. I'd rather be miserable and poor.

[@Denniss7420]

@@KazzArie Do you mean living under a bridge homeless poor?

[@PristinePerceptions]

"Giving" doesn't need to be monetary. Be a mentor to someone. The teacher, too, grows with the student. And you'll multiply your impact many times over.

[@mickey8973]

Yes, I agree with you. But does the teacher need to earn millions of dollars off of the common sense he's teaching you? That's what you're promoting by following this channel.

[@dancalmpeaceful3903]

I guided many young folks at my previous job - having been there 28.5 years. ON the day I was leaving because I and many others were laid off (the plant eventually closed), all these young folks came and THANKED me for providing financial advisement and PUSHING THEM to GET into the company's 401K. Each bragged how much money they had saved...and you could tell they were proud. THAT event was VERY satisfying.....and getting a 39 week severance package with health coverage.... Yes, I am working again.

[@chinkyfist6655]

Thanks for the reminder.

[@ultraali453]

Yes, if you're not in poverty and you're not in debt. If you have food, clothing, and a place to live. Then you can aim to give from your time and/or money to lift other people.

[@RetirementbyDesign26]

I agree. I’m going to become a financial coach when I retire from my career. Purpose is everything and what motivates us to get up everyday

[@codys5727]

I appreciate his call. Our focus changes as our situation improves. People who are at rhe top of the mountain recognize the top of the mountain isn't what motivated them as much as the adventure of getting there.

[@rgarri6396]

My mountain is always higher

[@Kidsinamerica]

I've been to the top of a mountain - it's a cold, desolate place with no community, no ice-cream, no 'connection' to anything other than the concept of your own insignificance. The mountain doesn't care if you climb it or not - people come-down from the top of the mountain eventually, because 'life' is in the valley, where the village is.

[@domo_willson]

@@Kidsinamerica wow man

[@TartarianTopG]

@@Kidsinamerica ummm

[@Alicia-K]

So so so true! Love this 🙌🏼

[@ryandelsignore]

It’s great to write checks but I can’t explain the overwhelming feeling of peace when I buy lunch for a homeless person and eat with them. The conversations I’ve had are something I treasure more than anything. And it costs $10.

[@dianecelento4974]

What was your best conversation?

[@ryandelsignore]

@@dianecelento4974 That’s a great question. I don’t know if there are any that stick out in particular. I think it’s experience that I remember, more so than the words that were exchanged. They were content, wise, and in many cases genuinely happy. I just found it fascinating that so many people in what I would consider “tough spots” didn’t act like it. And on the other hand I know so many people with more money than they know what to do with that are full of bitterness. Not saying money is evil, that’s a fallacy. I just think it’s interesting that money sort of becomes irrelevant on the scale of happiness or contentment. Take care

[@dianecelento4974]

@@ryandelsignore Thanks for the answer. And it's a beautiful thing what you've done.

[@Անի-ո3մ]

This really gave me goosebumps and teared me up the beauty of humanity

[@Skateborder1]

Nice

[@IntentionalityMentor]

I love the Ramsey team. The world needs a billion more companies, teams, and people that duplicate the heart, hope, and head of this organization.

[@briangasser973]

The fault I would give Dave Ramsey is he is not clear with callers that he makes money from the endorsed local providers he recommends. He should be clearer when communicating the financial interest he has when he recommends services.

[@cconroy1677]

Just people. Doesn't and shouldn't take an org. If you're good at something, share your advice. Take the advice of those who are good at something else. It's that simple.

[@MarcyJ2F]

For the two commenters: I hope that no one points out your faults when someone else is trying to give you a compliment. Jeez

[@macummings7818]

Yes!

[@raymondblake5765]

The first time I heard Ramsey say 'live like noone else so later you can live and give like noone else' it was kind of emotional... Because most videos about wealth talk about just the wealth, the expensive cars, the luxury vacation, the never-having-to-work, and I was like, I don't even want the expensive cars! It was really cool to finally hear someone talk about wealth in a different way.

[@cenavisch8888]

Absolutely 💯

[@dbag57]

Absolutely this...i used to work rewarding jobs helping people for hardly anything and was surrounded by negative opinions about wealth..this is the mindset shift that helped me!

[@twinny555]

Travelling, learning, volunteering, set up a charity that’s close to your heart. There are so many things I can think of doing when I’m financially free!

[@imout671]

When u can buy any thing you want you find you just don't need that much.

[@aashish.b1026]

I would get rather rich and learn that than make it an excuse and not chase my dreams!!!

[@rdbeaz]

When my wife and I go to a nice restaurant we find a couple that aren't on there cell phones and buy there dinner

[@dinofalcone6645]

Then you aren’t buying many dinners😅😂🤣

[@AmIJosi]

Nice idea man 💡

[@meyersemi]

I want to be able to do things like this! I’m a therapist so my goal is to be able to offer more pro bono spots as my career goes on, or pay for someone’s therapy with another provider. Emotional healing is one of the best contributions I can think of!

[@pawelwisniewski6849]

It means none , nice way to brag 😂

[@gabe8138]

I was at a fancy restaurant and they we weren’t on our phones we were all relaxing talking (my brother my father and I) some regular Italian came up to us and started talkin and we talked a few times in between before he left. All said and done he left we said bye. He paid for our billi was so surprised it was like 320$ for all of us

[@emt1977]

Buying land and raising food and animals has been richly rewarding, not only for the work and finished product, but having people visit and enjoy the property as well.

[@المهديخاتلبالمجاري]

This is my early retirement goal.

[@heismanhighlights5123]

Animals and food are the same thing

[@righteousjustice7569]

That's what I'm working towards

[@amazonkee74]

This is my goal too.

[@dianer8881]

Engage in a craft. To keep you busy and to make others happy, sell it cheaply. From experience, I found this to be very gratifying.

[@noobjitsu1743]

Dont sell it cheaply sell it at or a little below market value

[@dianer8881]

@@noobjitsu1743 Learn to be satisfied with 3 times what you paid for materials. Asking for more may take longer to sell if at all. Don't be greedy. You don't want your merchandise to just sit there for an extra $1.

[@dianer8881]

@@noobjitsu1743 Find several stores. Rotate your collections every Spring and Fall. It helps to freshen your display. Keep it new and exciting.

[@Sara-9865]

What kind of craft?

[@dianer8881]

@@Sara-9865 Be sure to make something that is unique as well as useful. Handmade is very popular.

[@micaonyx5301]

I'm 60 and haven't had to work since 35. I work sometime seven days a week doing very physically demanding work. My family always say I need to stop working because I don't need the money. I love what I do and it keeps me fit, and sitting around talking to the actors on a soap opera like my aunt is not for me. You need purpose in life. When you stop moving you start to decay.🤔

[@Giorg189]

Doing demanding physical work at your age, may send you to grave a lot sooner, think about that.

[@ADK117]

@@Giorg189 don't buy it.. our bodies are made to move and work. Once you stop moving, its over

[@krogdog]

Well said 👏

[@Kevintendo]

Mica, what do you do for work?

[@mamebonsu2560]

This is the truth!

[@motorcyclemichael2182]

I’ve heard giving to others is a real fun thing to do...hint, hint 🤲🏻

[@szogun1987]

Indeed it is, once you have enough money for food and shelter. It thing that gives a greater satisfaction than anything else you can buy.

[@mrsilverman24]

I’ve heard earning it yourself is rewarding as well, hint, hint

[@SF-eo6xf]

@@mrsilverman24 depends. Giving a scholarship to someone who would not have the possibility to attend Uni otherwise for example should feel good.

[@blackworldtraveler3711]

Motorcycle Michael “I am my own charity” -The Millionaire Next Door

[@dorislacaze8475]

I’d suggest giveing of your time money’s not an option donate your time to habitat for humanity , get involved in charity work these will get you involved with things that will give you happiness and it’s not only just giving money

[@JessieOpportunityCostInvesting]

"In your career you have to find meaning" - amazing words to live by!

[@StevenRotelli]

Money isn’t the key to happiness but I’ve never seen anyone crying on a jet ski

[@goalie2998]

Lol

[@FOTWC]

They do all their crying behind closed doors

[@rachellebrown9830]

😂😂😂😂

[@q.d.r.l.5480]

Lol but the jet ski does lose its charm a good bit after like the 200th ride, and then it’s just one more “thing” that you feel attached to and feel you have to take care of. It’s obviously not the worst problem to have though lol. I guess it’s just that life is funny.

[@ultimatematty]

I could really use a $60,000 truck. Just sayin.

[@frenchyalicea649]

At the age of 30 I had reached that "now what" moment...and it was EMPTY! So I can understand both the callers point and Dave/guest. With everything occurring now worldwide there is ample opportunity to do meaningful things to bless others.

[@pk3]

What did you do then?

[@BulletMan4]

This is absolutely one of the most wonderful conversations i have ever heard on this show. Thank you so much for posting!!!

[@spencersmith312]

This may be the most helpful and insightful video I’ve ever seen Dave Ramsey do. I was helped by this. Thank you.

[@samrusoff]

10:12 you can tell they are both getting very emotional thinking about the satisfaction and awe that comes from working extremely hard in order to make a personally meaningful impact. what an inspirational moment.

[@italiavargas4858]

My fiancé and I volunteer at a different charity every month. It’s very fulfilling and helps bring immediate joy to you and the people you’re helping/community

[@MainEventMinistry]

This was the most helpful Ramsey clip that I've heard. I've heard 1000 or so, and most have been helpful, but this was the best.. THANK YOU!

[@jonwojcik4494]

If you eat lobster enough, even it begins to taste like soap. - Dave Ramsey

[@steelcastle5616]

Dave needs to be nicer. Lots of lobstermen looking for someone to help them out of debt these days. On the flip side, I wish the price of lobster and crab legs would come down some.

[@dorian2112]

eating animals is not acceptable. if god allows animal abuse, what does the devil allow?

[@JA-re8gi]

IMO crayfish tastes much better.

[@jamesbael6255]

@@dorian2112 vegans to talk.

[@dorian2112]

@@jamesbael6255 i do not do the jesus or satan thing, i do not believe in fairy tales. i only mentioned it because DR is christian, which is about jesus and satan.

[@user-oc7uu8ss1x]

I’m Muslim and I enjoy these Dave Ramsey episodes especially regarding the spiritual importance. There is a lot of overlap, completely agreeing with his standpoints.

[@JJs_playground]

I'm an Agnostic-Atheist and I enjoy Dave Ramsey's financial stuff.

[@andrewneal2750]

That's great to hear! Dave Ramsey's wisdom for life comes directly from his Christian faith. He & Ken speak words of wisdom here. I'd highly encourage you to learn more about his faith journey & Christianity. Tim Keller has an excellent book called "The Reason for God". Check it out! There is only one true God & His name is Jesus.

[@EuphoricPlaz]

Same so many of his values are part of islam its cool its different from other Christians I know.

[@aaronbrutus9483]

I'm a Libra, I love long walks on the beach drinking wine and I love Dave Ramsey too.

[@qasimislam85]

@@andrewneal2750 I urge you to read chapter 19 (Mary) of the Qur'an as well. You won't be disappointed!

[@mablepugh4459]

This is the reason sugar daddies came into existence LOL

[@bernitaldown9136]

I assume you're a gold digger?

[@Evita_Raylena]

🤣💀

[@laur-unstagenameactuallyca1587]

he has a wife, calm down y'all

[@jothepro1013]

@@bernitaldown9136 just a lil hustle

[@mfgallonjaust7171]

@Itss ARTAMIS how. I live near rich people, but no clue how people get sugar daddies or sugar moms

[@myeshadapisces]

Thank You Dave I’m finally officially debt free have a pillow of savings for me and my son you gave me the idea to donate some money and volunteer to help others that are in need. God bless.

[@zevlove612]

one of the best calls and answers from Dave...godliness brings contentment

[@Buaastroctyes]

I studying nursing and I can’t wait to be a nurse to help others. It will bring me happiness helping those in need.

[@FJUWANA]

Good for him! We're on Step 6 and now we think rich is not in term of Money anymore. To us ... Rich is when you have a wonderful family, good health, and most importantly Family that serve the Lord.

[@Fedex211]

This video was awesome. It felt like a reality check and a lesson from those who are already at the top. Thank you for this.

[@tomj528]

So true...we've lived like no one else and have found it so satisfying that we see no reason to change our lifestyle ever. By keeping our lives reasonable it keeps them easy and problem free. As you get older, this becomes more and more important.

[@jeanroeder5534]

The more stuff you own the more repairmen you know. Love it. 😊

[@benreilly595]

Move to LA. You will call back in 5 years.

[@JiisTube]

😂😂

[@JohnDoe-gc1kt]

Yeah no disrespect to him or his accomplishments but that's not a ton of money. I thought he had 10M+. He still has to watch how he spends.

[@arturotorres6251]

Ha! For real. "I have too many toys and now I can't afford rent."

[@JMian]

Just watch what he said. He doesn’t spend much. So LA is not an option. You need 10 M to retire?? What kind of spending do you do?? Wow

[@JohnDoe-gc1kt]

@@JMian I was responding to the title.

[@NR-xd1vw]

My uncle died of a heart attack at 54 because he couldn't afford health insurance. You are right. Money doesn't buy happiness.

[@NR-xd1vw]

@Eric Cuevas If you live in the US, there is a greater than 50 percent chance you don't take care of yourself. I am being very generous with that number. But even wealthy people eat garbage then use up medical resources to fix the problem they created. Anyone that has financial security should not be complaining.

[@oolala53]

@@NR-xd1vw The human psyche is not put to sleep just because there are not financial worries. Loneliness can still occur, sadness can still occur. Rich people cry when their children are sick or die. They can feel a lack of connection with people important in their life that brings sadness. Simply reporting on those things isn’t necessarily complaining. Squat your own complaints if you like and move on and don’t listen if you don’t want to hear others.

[@oolala53]

If he couldn’t afford health insurance, wouldn’t he have been eligible for estate program? When I was at my poorest, making about $16,000 a year in a big city, I still paid for health insurance, a very modest plan, but I found out later that I would’ve been eligible for assisted coverage. In any case, sorry for your loss.

[@hesbonkiproticharapkirwa9097]

Heart attacks are often brought about by worry, not by lack. If it was lack, then all poor men would die of it. Now, I am a medic,guess what kills medics the most. Heart attacks then suicide, according to some studies.

[@middlechamber3574]

I am so glad I found this spot. This is what I've been struggling with a little bit. I am so close to being debt free and I have been facing the thought of 'what shall I do next?'

[@sylviaj270]

Help those that need help.

[@tshandy1]

Man, this call RESONATES WITH ME! I was hungry in my career for many years -- mainly because I was busting it to get debt free. Flash forward to now (mid fifties) and I have no mortgage, no debts of any sort. My job is even with my own company that pays a recurring monthly income based on a solid client base, so I don't even have to work that hard if I don't want to. So what motivates me now? What indeed.

[@marshallscreekfarm3833]

the most meaningful conversation in the entire series...

[@katarinakarakas7800]

I am so happy that almost 2 million people follow this channel !! 🤗

[@leadnsteel1428]

Ive got the theme song stuck in my head everytime someone calls in lol

[@Cooper0307]

Have a great relationship with God and that will help so much.

[@Alicia-K]

We are not on that step yet but this was actually so freeing to hear. It’s not about money but about purpose all the way along. Money simply helps purpose along but cannot create it. So so freeing! Thank you!

[@dianecelento4974]

Well said. Something for us all to think about

[@Alicia-K]

@@dianecelento4974 I love this quote by Randy Alcorn: Abundance isn’t God’s provision for me to live in luxury. It’s his provision for me to help others live. God entrusts me with his money not to build my kingdom on earth, but to build his kingdom in heaven. -RANDY ALCORN

[@TheBendalina]

This was the best Dave Ramsey vlog I’ve ever seen. Mind blowing. Amazing.

[@dianecelento4974]

This is one of the most valuable episodes I've watched

[@ryanweston9677]

This is a prime example of Maslow’s Hierarchy of Needs.

[@sunnyd4734]

I don't recall if Abraham Maslow addressed multi millionaires that exceed the top tier of self actualization and yet take their own life. Dave is addressing this issue from a biblical perspective unlike Maslow.

[@blackworldtraveler3711]

Sunny D The caller isn’t a multimillionaire.

[@SF-eo6xf]

@@sunnyd4734 the highest tier is only met once money isn't an issue anymore. So can't really follow your logic.

[@baxakk7374]

@@sunnyd4734 What you are saying is confusing. This guy didn't reach self-actualization, that's his need. It's not as straightforward as making x amount of money, he's talking about meaning of life. If you don't find the meaning of life, you don't reach the self-actualization. Exactly Maslow's theory. Edit. I think I see you are trying to tie it to religion. It's so annoying when religious people do that. It's like you have a hammer and everything looks like a nail to you guys.

[@TommyTombstone]

​@@baxakk7374"It's so annoying when you guys bring your theory of everything into anything." Do you understand why that objection is ridiculous?

[@cashcow4383]

I was in a similar situation , having paid my house off and it really was fun logging in each week and seeing where the money went, then I got bored as well once it was paid off. After a few months I started investing in dividend stocks with a new goal The goal was to cover my phone, electric, gas , water and property tax bills. All with dividend money. Now I am not only debt free , but I am bill free and I have a new goal which may take me a 3-5 more years but that goal is simply to bring in 4000 a month in dividend income at my current investing rate. Go bless everyone.

[@vinniedeluca2188]

God brings peace in your life, start praying and studying your Bible and you will find the peace your looking for

[@confirmhandle]

Dividend stocks fall harder then others. Also any dividend stocks paying over 4% is usually not sustainable. Buy these during the next 20% sell off.

[@theprodegypk]

DWYS WYSD ever heard of at&t?

[@cashcow4383]

@@confirmhandle I dont buy stocks , only ETFS that dividends so im set chump.

[@ianrobinson4200]

How long did it take you to build up dividend income to cover bills? I'm just at that stage now, paid my house off and starting to invest in stocks for the first time

[@lynnsmith4]

There’s so many things a person could do in this position...help repair homes for the elderly, build ramps for the disabled, buy Christmas gifts for kids that wouldn’t have a Christmas otherwise, have holiday dinners for the homeless, poor or elderly and cook and help serve it, sponsor homes for people recovering from addictions or domestic violence and help mentor those people,....I wish this was my problem. I don’t have a lot to give but I still try to little things that sometimes aren’t even about money. A few weeks ago, the line was seriously slow at a little grocery store I was in. There were three guys that looked like they had just got off work and was tired and only had a few items. I was ahead of them line but I insisted they go first. They were so appreciative and just kept thanking me...and it was such a small thing...but I really didn’t have much extra money that week and that was my small act of kindness. Sometimes I’ll give a child begging for a candy bar just five bucks...that’s a little tricky..you have to okay it with the parent..but you can often tell when that parent just doesn’t have it as opposed to they just don’t want their child to have it. But I don’t judge..I just don’t. Once a woman was paying in change for cigarettes in front of me in line and you could tell she had a super hard life, probably on drugs, but I bought those. It may have been the only kindness shown to her in a year...who knows. I try to be observant and if there’s some small thing I can do, I step up and do it. I can’t do much, because I’m not in that position, but these small things help me, and people are very appreciative of kindness.

[@dixiehansen8226]

The best conversation I have heard from Dave yet. Thank you!

[@theniche1246]

When I reach the stage of my life to be able to have this issue I'm mostly confident it won't be an issue.

[@90cyar]

I absolutely love this !!!! Love how they bring God to these conversations

[@mrcwoodworks4523]

That’s an awesome picture super classy!!

[@MrAdhiSuryana]

When you understand money is not happiness, wether you’re poor, rich... you know its time to help people and enjoy the rest of your life with happiness!!

[@braydenkarpinski3637]

I agree with that to a certain point, but I think we’d all be happier in an building with a roof over our head and food on our table than being homeless and starving.

[@tommyboy1504]

Use your passion to create money. If you make electrical products make an electronics business and make money doing what you love

[@blackworldtraveler3711]

Brayden Karpinski Also family first.

[@blackworldtraveler3711]

Adhi Suryana Nothing wrong with helping people. I’m not giving money to anyone because I am my own charity in that respect. I do volunteer my time.

[@justinc.3385]

Once i get to his point, i plan on starting a animal shelter

[@Iffy50]

It's unlikely, because you develop a thought process for how money is spent while you are building wealth. Once you have it, you are happy to give to organizations that you believe in, but you want to give it away in very known quantities.

[@lilwertzy]

Love dogs

[@johnsterling5533]

Then you have to kill dogs 😕

[@mooneyes2833]

Animals are more tolerable than humans lol

[@sol2835]

@@johnsterling5533 not all shelters do that but yea it is sad

[@matthewgreazel7343]

This is me so much and this is great. Tears to eyes as getting things paid off and discovering that once the debt is gone the motivation dies and now its trying to find what there is. This so real.

[@nrqed]

When I reached that stage, I started giving to an animal shelter. One that I visit and where I can see in person what they do to help animals. Seeing the animals rescued, treated and saved makes me so happy. Earning money is even more rewarding now that it is used directly for something like that.

[@jpmarie9]

1:00 Dave's smile was glowing at that thought. Lol😂😆He loves it.

[@Scorpiomaj27889]

This might sound stupid, but I would personally go on as many road trips as time would allow and completely randomly give and help broke strangers. Imagine the feeling of walking into walmart in the poorest area of the county and walking down to every register for about 10 minutes paying for everyone's groceries - you'd make their MONTH. This past december just before christmas, we went to a restaurant and our bill was about $34, we left $80 on the table, we didn't get to see her face, but it just feels so good to know you're making someone's day or week.

[@luminous6969]

Yeah, it takes a little creativity to come up with ways to be generous other than "writing a check that you don't get to see the result of".

[@Big-Government-Is-The-Problem]

those are great things to do, but in the grand scheme of things it doesn't change their life trajectory. what would be great would be to give strangers money, but also teach them a little bit about basic personal finance and compound interest. a simple compound interest calculator example is what really made it click for me. an example such as 10k invested each year for 40 years at a 7% return ends up being worth $2,136,095. 10's of millions of people in the US can afford to invest 10k a year, but very few of them actually do so, because of fear or simply not knowing what they're missing out on.

[@insideoutsideupsidedown2218]

@@Big-Government-Is-The-Problem so, when I'm 80 years old and can't tie my shoes, ill be worth 2 million. How about spend it all before then? Sure take care of your kids, buy don't just save to be saving. You should start spending that money when you retire and see the country.

[@Scorpiomaj27889]

@@Big-Government-Is-The-Problem Very true, you'd really have to become an expert or find a expert that knows how to draw people in and get them to learn. We know sending kids to school doesn't make them get an education, it makes them go to school, they have to have some kind of interest (or fear of negative consequences), which can be generated by a coach or teacher.

[@Big-Government-Is-The-Problem]

@@insideoutsideupsidedown2218 i agree about spending money and having a life full of experiences. in my example 18+40=58 which isnt even retirement age. people should of course budget in vacations and fun experiences into their life plan.

[@ivangaeta3663]

I’ve listen to a lot of these videos and this is the one that really hit home for me. Definitely enjoy it

[@bullonwallstreet]

I was in the same situation as he was about 15 yrs ago at 25. It was great, but was unfulfilled and needed something more. Now 15yrs later after taking a step back and looking at life differently has made a difference. The time you have on your hands is I think the biggest issue for most in this situation. Iwent from working multiple jobs/businesses after and during college to having all the time in the world. It's a completely different world. I focus on my health daily along with spending time with family and friends.

[@dapeace316]

Wow. This platform has blessed me and so many lives. God Bless you Dave Ramsey and your team. This segment in particular is So Powerful!

[@nielslund9359]

I've been having a fairly hard year, disconnected from my profession of physical therapy since job loss and a clinic closure 5 months ago. Anxious about my career, student loans, and lack of meaningful work in my life. This video helped my optimism so much today. I'm interviewing for a job in a city I like and when I get there, hope to volunteer or work part time at the local bike store as well. I've got my fingers crossed, some deep breaths, and some hope to get back to helping people.

[@sanitary103]

hope things got better since you posted. any updates if you care to share?

[@financiallift6185]

I'm sure there are a lot of people during these times that would gladly take it off his hands

[@twinny555]

I’m 37 with £3000 left to pay off 😂 man I wasted the first 35 years of my life

[@jackgoat9825]

where are you at now

[@vg982]

That comment "money magnifies everything", so true. Personally experienced. Great clip Dave.

[@themessageisjesus505]

This is why Dave is still working. He's making money yes but he finds fulfillment in counseling people. I'm not financially free yet but once I do I plan to donate my time to helping people. I've always felt really happy when I give just $5 to a begger on the streets so I know my calling is to be of service to others

[@jaxxmelton]

It would have been nice to get the specs on this guy. Salary, how long did it take him to save, occupation, etc.

[@blackworldtraveler3711]

The Garage Gardener You can’t figure this out for yourself? Only you know you.

[@warriormanmaxx8991]

re: "specs on this guy" - What would you do with the information?

[@bres9977]

Pay off a college graduate’s student loan. Donate money to a food pantry/buy food to deliver to food pantries. Pay rent or a few bills for someone. The options are endless.

[@GideonMitchell17]

To obtain financial freedom, one must either be a business owner, an investor or both, generating passive income particularly weekly or monthly basis. That's The key to being financially stable

[@VictoriaLisa959]

I'm celebrating a $30k stock portfolio today. I started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me

[@SteveDaniel152]

One needs to diversify it's source of income to enable them to still maintain financial stability, there are many assets that can make you rich *FX *BITCOIN *REAL ESTATE *GOLD *STOCKS Through being an investor you can gain financial freedom even after retirement

[@stephenbates6]

You're right but a lot of people remain poor due to ignorance

[@Queenbrenda989]

Not because of ignorance, it's because of the high rate of unprofessionalism in the crypto market

[@MargaretGeoffrey]

Crypto is a whole different ball park. I would only invest funds in it that you are willing to lose or dont need. In terms of day trading crypto I don't keep an eye on anything at the moment except XRP. Wouldn't be right guy for day trading crypto

[@obiclone]

This is the most important video I’ve seen of Dave Ramsey’s. When I finished baby step 6 I fell into a horrible depression when I paid off my house. I was only 39 and I felt as if I already beat the game with too much time left. It’s really really weird. It feels just like buying a video game and beating the game in a week, yet, you can’t buy another game, and you’re just replaying a game over and over that gets boring.

[@obiclone]

@@IgotLoot You won’t know until you get there

[@txdoodlebug]

This caller’s situation is very real. I am in a similar spot. I really feel like my life was more satisfying when I was making 50k a year and trying to figure out how to achieve and get the things I want. It is not as simple as just giving the money away. It is like you live most of your life with money being the limiting factor as to what you can do. Say for example you like playing golf and you want new clubs. You might search around for used ones, do some trading, maybe some side work so you can get the clubs you want, The whole process is so satisfying. You appreciate things more when you have to work and plan for them. When you can just write a check for anything it really takes the enjoyment out of it. Being comfortable and stress free is nice but it really sucks the fun out of hobbies and goals.

[@DyingToLive12]

What could be more "satisfying" or a challenge then to invest in other people in need, someone you can ACTUALLY make a Visual change in. Your coming full circle. Either that or write a book 🤣🤣

[@SF-eo6xf]

That's like when u use the cheats in video games. It's not fun anymore. I'd do farming. Working with your hands and creating crop and caring for animals would give me satisfaction and on side of that I would start a foundation which provides scholarships.

[@plowechin]

Matt 5:33- Happy are those conscious of thier spiritual need. Contrary what was shared in this video our purpose is not just to work and die. We have a real purpose that shared with us in Gods word, and its very opposite of what most of the world defines as success.

[@armyretguy7365]

The only solution to this guys problem is to give me his money. He’ll be much happier and so will I! LOL

[@EpicStays]

Win-win

[@Beatyofeet32]

I get that it's a joke, but money won't make you happy and that's the point.

[@armyretguy7365]

Beatyofeet32 that’s why I have kids :)

[@Beatyofeet32]

@@armyretguy7365 Lol...perfect response

[@blackworldtraveler3711]

Beatyofeet32 It makes me happy and content. Nothing was never handed to me especially money. More rewarding when you do it all yourself. Who do you think is more happier? Someone that lived beyond their means in debt and whatnot with no time or money to spend with 97 year old mom in another state. Or living within means,zero debt, with all the money and time needed to just leave work to spend the time with loved one and no financial worries.

[@APennyPinchersGuide]

Congrats on reaching the position you did! Now you get to solve the problem of finding your purpose

[@itzlefty2611]

The smile Dave had at 1:00 was a mixture of proud and happy that this question is being asked

[@normILL]

To get hands on with my giving I started volunteering for Habitat for Humanity actually building the homes instead of writing a check. That was so rewarding that now I'm an electrician, and my "retirement" still involves me working 3 days a week, more if it's a project for a friend or a big safety issue. Find your passion and work becomes play!

[@PinballClinic]

When you retire early, make sure you like to hang out by yourself cause all your friends are at work. :(

[@KaloBtzzk]

Who needs friends

[@phpcrafters]

@@KaloBtzzk Everybody needs friends. Apple toys shiny cars and alcohol are fun for like a day.

[@KaloBtzzk]

@@phpcrafters there's no such thing as friends, it's all lies. Even brothers and sisters turn on each other. It's all fake and people are looking for their own benefit. What you said proves my point as well, you're looking for fun *your own benefit.

[@donnafontaine2799]

Lol

[@vintagestereocollector4159]

Travel the world 🌍 Don’t get stuck in your house because that’s the end of it

[@moneymaverickstv]

Wow. Good for him and his family. Now he needs to help others and contribute. Great job. I'm on my way too. Great.

[@bruhhmomentumm]

This guy beat the life game early.

[@alexk1682]

Now he’s stuck staring at the credits for the next 50 years.

[@Xerlocke]

He has plenty of side quests he can do

[@RealMTBAddict]

It's not a game.

[@billdavis2590]

We learned that in psychology too, you really need to be involved and see the effects your giving has to feel it --- and that's super healthy.

[@BagsNBaguettes_327]

This is a great call and a very real dilemma!

[@Archer335]

I’ve found that once I reach an important goal, that I can find myself in a position where I just need to set a new goal. That time right after reaching the goal produces a void, and the remedy is a new goal - for me. That said, a million dollars is not that much money, these days. He’s comfortable, but he still has some work ahead of him to be truly wealthy with a ridiculous amount of money.

[@ClydesBonnie007]

A lot of people don't have access to fresh water. Go help others 🙏🏽

[@msujonbd]

That's a great idea

[@Giorg189]

Why help folks in Africa while people on your hometown are hungry? I'd prefer to help people from my hometown in need of a helping hand.

[@mycaddigo4562]

Check out “let them lol” they drill wells in Africa .

[@coloursoftherainbow8399]

@@Giorg189 Regardless of where the people are from they need help and there is nothing wrong with choosing to help either or both.

[@TartarianTopG]

Charity water is a fantastic organization

[@arvins.7064]

I'd be a foster parent and give foster kids a baller life and paid college.

[@grod805]

That is a lot of problems to deal with

[@lisaseidel2606]

That’s amazing

[@MDwng]

God bless you for helping those kids

[@coloradopadilla4223]

I’m broke and been homeless before… but never had a crapload of money like these guys. But at the end of the day whatever little money I had I got to do things and spend time with my daughter. The result always ended up spending all of what we had but the value and the memories of my family doesn’t even phase that I am broke because what makes me happy, is our memories and that’s priceless 😊

[@hakara32wirihana]

I'm happy I found Dave ramsey and all his helpers. Thank you ❤ from New Zealand 🇳🇿

[@Jack-hh9th]

I've been struggling a lot with choosing a degree to pursue and in turn a career. I have been debating if I wanted to go into real estate or finance. Or if I wanted to become a registered nurse. This video allowed me to realized I need to pursue a career as an RN, and I hope to start nursing school soon. Thank you.

[@Big-Government-Is-The-Problem]

the nursing field is a great choice, and if you ever decide to get a higher degree like a nurse practitioner or MD, you will already have medical experience and a good paying job to pay for the higher education. you could also be an RN and do real estate on the side. i have an RN friend who works 1 week on and 1 week off, so if you had a job like that then half your month you could devote to real estate.

[@steelcastle5616]

Watch yourself Jack....I had friends who be came nurses back in the 80s. Talk about women problems...but if you like to collect ex-wives....

[@Big-Government-Is-The-Problem]

@@steelcastle5616 its a great career to find a responsible woman with a good income. it is certainly a female dominated drama infested career though.

[@FLORIDAHOODVLOGS]

1:23 I cant wait for the moment Dave turns senile and says "Join a street gang" right at this moment

[@rebeccam2]

I would travel and get to know the people within different communities. Learn how they live and try to help out where I can!

[@howlbeast]

That’s what I was thinking ... travel chill and work part time on a online business

[@Aminur48]

Real Talk! As someone who's not a christian I can certainly relate to the values & wise words of wisdom being taught in this clip!

[@philmarsh3859]

This is the power of a good and broad education - not just to make money but to give you new things to explore.

[@trinia5000]

When you make things all about you, no matter if you're rich or poor, you'll end up unfulfilled. When you focus on others and make it about them and their struggle you will find purpose and meaning. Random acts of kindness man! You have the ability to help those who are hard working and hard pressed but can't pay their mortgage. Maybe find people outside of your community that need a hand until they can get back on track. So much good you can do that's not selfish. What an awesome and rare problem to have during these tough times. I feel privileged to be debt free and able to help those who need it. I'm not rich but I'm far from not being able to help my fellow man or woman. Take care. Hope you find a worthy calling. 👍

[@blackworldtraveler3711]

“I am my own charity” -The Millionaire Next Door

[@blackworldtraveler3711]

Carcar Marie No thanks I focus on myself. And family first.

[@user-po4bn3gi1u]

I was in similar shoes. Try to spend a fixed amount per month on experience. Force yourself to spend it every month or at least every quarterly. It helped me to enjoy life, and gain new perspective and new friendships.

[@Tyler-sq4lt]

What did you spend on?

[@blackworldtraveler3711]

R Many of you think you have to take money out of savings to be happy. He said he want purpose. Nothing about spending money. He already said he don’t want to write checks.

[@toshiabrowningwarren6537]

I wish I could say that. It's a great problem to have. I have raised both my children 17 and 13 on my own. Their dad went to prison for 6 years after we divorced. Now I am faced with my daughter graduating this year, no college fund saved because all my working money has went toward raising them all these years and struggling. A 13 year old son who needs braces but just dont make enough income to afford those things. I have worked everyday of my life since I was 14 years old. Never depended on a man, but just cant get ahead for trying. I would suggest you get out and meet people listen to there story and help ppl in need. 🙏🙏 I'll pray for you brother, for you to find your purpose. God bless you!

[@ChristysChannelYall]

I sure would like to try out this problem. I’m a tired old nurse who is praying one day to actually be able to retire. There is definitely a shelf life to this job and I’m about at the expiration date.

[@grumpyygoose]

I needed to hear this. I’m currently poor, but I really needed to hear this message for other reasons. This is so true! ❤️

[@listenquitely2888]

Send some this way. I'm struggling.

[@crittertails7536]

I second this 😂🤣

[@NathanHQ]

I think it goes to show that MONEY DOESN"T SOLVE ALL PROBLEMS. Your problems just change overtime. More money just means different kinds of problems. Tax // Litigation // Where it goes etc. What do other people think? 🤔