The Ugly Financial Storm That's Brewing In America!

[@ianeagle40nil]

People live above their means.☮️

[@appleiphone69]

I had that mental shift at age 5. Parents never had extra money. Learned to save and be frugal.

[@tonyahenry4167]

Ppl told me I should get a new car cause I had $750 worth of work to get my car fixed I said I’d rather pay $750 once than $500 a month to drive … the logic

[@mollysimons895]

Yup my mom needed new tires and brakes on her 2007 fusion. Maybe $600 worth of work as I told her I’d do her brakes. She ended up buying a brand new escape BUT kept the fusion as she didn’t want to put miles on her new car. So she financed a new SUV and still had to pay the $600 to fix the fusion as she’s still driving it. The logic of poor people really is laughable

[@tucoramirez9729]

​@Molly Simons your moms not to bright sorry😢

[@vicfixer378]

@@tucoramirez9729 jeez lol

[@alexgg7499]

​@@mollysimons895 lol

[@TellMeMoore]

Yeah. Fix the car. It's cheaper than a monthly payment

[@reempire888]

I fix my own house, electrical, plumbing, woodwork, and my cars, and I thank God for giving me the knowledge and the ability to do so. This has saved me a tremendous amount of money. You are right, we need to be a good money steward to manage our finances that God blessed us with.

[@mxbadboy263]

If I didn't have the ability to repair my home and even more importantly our cars we would have been bankrupt.

[@reempire888]

@MXBADBOY the best thing a man can have is knowledge. No one can take that away from you.

[@krassimirpetrov7131]

Me too ! My boss at work said he wishes he knew how to do it. I try to explain it’s really not that hard , I learned it all on KZbin and trial and error

[@londrahunter8554]

@@krassimirpetrov7131 Charge your fee to fix your bosses home. There’s your inflation proof income. Charge others too. Your talents are $

[@londrahunter8554]

@@mxbadboy263 You‘re fixing homes and cars. That’s your inflation-proof income. God bless.

[@alanmccarthy4004]

I got a big raise recently. I allocated 100% of the raise to pension and savings. When I declined to book a ski holiday, my broke friend laughed and said "oh you're on Xk and can't afford it, wha wha". He was joking but it showed the attitude: earn more and spend more. Dave Ramsey rang in my ear "when you're broke friends laugh at you, you're doing something right". I fully agree with this video. Too often people find themselves in a situation and blame the world around them, rather than the sequence of choices that led to the moment.

[@robedmund9948]

Debt free skiing in Steamboat is freaking AWESOME!! Best snow this century!! Wolf creek has just shy of 500 inches! That's nuts! What a time to be debt free!!

[@dking1362]

You are wise! Future You will be thankful for the financial decisions you've made now....shows maturity and self-discipline.

[@shyskye9254]

congratulations on your raise, but most importantly your self-discipline!

[@iamkesha.]

When I was in the military, I used to tell people to save or invest the difference when you advance and the annual/ semi annual raises. If you are accustomed to making $10, if you get a raise for $11, since you are accustomed to living on $10, why not save the $1 instead.

[@stevenporter863]

Good for you! Years ago I knew someone in massive debt living above his means (I had an idea of his high salary but he bragged about all his big purchases). He took his family of four for two weeks in the Florida Keys, rented a convertible, etc. (he bragged about that too). He probably did it so people think he is a great father and husband - but I thought 'idiot'. He ended up defaulting on his home, car, and investment property for flipping and today he is basically eating cat food.

[@steve03260]

Just paid off my house ..... Thank you, Dave Ramsey. I am now less worried about this issue!

[@suade9940]

Wow Congratulations. How long it took you?

[@catholicfaithofmine2664]

Im working on it

[@AcidicMentality]

Congrats, that's awesome.

[@Carmen0777]

Congratulations, good for you! ❤❤❤

[@syr72]

What an accomplishment!!! Great job

[@tenajones2841]

Jade is an excellent host. She is intelligent, sharp and knowledgeable and has a very respectful demeanor with her callers. I also like she doesn’t try to make silly banter back and forth with the other host, there are callers to listen to and help. No ego here and that make me want to listen. Rachel is also another favorite. No disrespect to the other hosts, but Jade and Rachel are a good matchup.

[@del5924]

Agreed. She's fantastic.

[@katemiller7874]

She’s a dinglefritz

[@katcraig7525]

Yeah. This is my first time hearing her. She's great.

[@KombatFlix]

She's fly

[@juantoopunk]

facts

[@markabt7581]

As someone who works in a bank, this is spot on. The amount of financial illiteracy i see daily, is extremely sad and frightening.

[@deebee8825]

What are some of the things you see?

[@geoffdevore6321]

Some of the illiteracy is done by design!! Keep the people poor and uneducated!!

[@AN-jw2oe]

What a shame that our public schools do nothing to teach our citizens financial literacy…. It’s almost criminal!!

[@maryloucoleman3300]

Should we keep our money in checking and savings accounts?? We are in our 80's and really scared with what is going on in our country!!

[@666dynomax]

Such as

[@adamr4198]

In 2022 I was able to save $4K in addition to our emergency fund. This money was so tempting to spend. Then the transmission on my car broke. The total bill for repairs was $3.5K. At the time it was frustrating but I realized the car was worth the repair and a $3.5K good used car in 2022 would probably be a real challenge to find. I ended up fixing my car. The amazing thing was how it felt painless to pay for the repairs because I had the money saved. It takes a “shift” in thinking to get ahead. 😎

[@bmcdonald7303]

Awesome! Good for you on being patient.

[@tkleo2006]

Using AT-205 Resealer is cheap car insurance. I use it in all my cars fluids except brakes to minimize the chance it will leak.

[@jimmyt5241]

Nice Way to go !!

[@sgist7824]

Good pun 😂

[@49cohibas53]

Just curious. What brand of vehicle do you have? And about how many miles when the transmission failed. TIA

[@CharlieBam]

It's worse than people think, we haven't even really started

[@blackworldtraveler3711]

Zero debt and home paid off. I'm good. I haven't really started.....traveling.

[@nicknite10]

​@@blackworldtraveler3711 I'm good too myself,but I have compassion for others. I want everyone to eat!! That's an issue as well,that the well established only lookout for the ones that are established as them. The wealthy not having compassion for the people below them is a big issue that many don't speak on. Like in the past, people were working for low wages, and I mean working hard! And they never were able to be financially stable due to the low pay,but the rich just kept getting richer off their hard work through the years. Spread the love is the cure to all of this! Like if a person finally becomes a millionaire,and now they want to be a billionaire? They never will be satisfied,which makes them not really enjoy the riches they have,? Enjoy what you have,and don't try to compare nor try to fit in financially with anyone. Just be happy with what you got,and live day by day!!

[@blackworldtraveler3711]

@@nicknite10 I'm good. Live like no one else. Going to my 66th country this year.

[@sbman436]

I just paid off all my debt and have a 3 month emergency fund for the first time in my life. I'm not normal and I'm so happy about it!!

[@kdilli6426]

Just paid off our car. Wasn't going to, but Dave's voice was in the back of my mind saying, you got the money, get rid of the debt.

[@concernedliberal4453]

This is my first time seeing Jade and so far I think she's the best of Dave's co-hosts.

[@SpartacusQuoVadis]

You’re late ⏰ lol

[@troydj]

You're not the first to make that comment. Agreed, she's great.

[@FootballClips7]

She’s annoying sometimes

[@scoutandscooter]

She's great, but sometimes she doesn't listen closely enough and thus doesn't add or multiply correctly.

[@stephenswarts5616]

She is good. Delony seems a bit "hard."

[@robmartin1064]

Lack of self-awareness is a major ill facing our country. It leads to lack of self-control...and there you go.

[@josephparkhurst2164]

I followed his plan to set aside money, when I had a major brain surgery. I had exactly enough for my deposit on my insurance, and to keep me to float until I got back to work.

[@PunkRockGardener]

Hope you healed up quickly.👍

[@superblump87]

Hope you're doing well.

[@iamkesha.]

I hope you have recovered well.

[@uclidsylvestre4757]

PTL! It blows my mind the amount of people that disagree with Ramsey solutions. You are one of the millions of examples that following a plan and being disciplined works!!! Period!!! Good for you!

[@courtneyfaithmis]

I was really getting worked up thinking I needed a raise until I looked inward and realized I am a lot better off than I realized. The only reason I felt I needed more money is because I have a goal of paying for college out of pocket as I go. I had a “on MY terms” mentality, not realizing how blessed I am that my bills are paid and my only gripe was that I could t enjoy myself while also paying for my education out of pocket. Finally, I realized that I need to look outside of myself. I signed up to become a mentor so I could start focusing on life outside of my wants and perceived needs. I also think of the Bible verse that says the Lord will bless you with abundance. Abundance does not always mean wealth. I am healthy and blessed so I have more than I could ask for. I needed this realization to start having peace!

[@lindab1792]

Thank you for telling it like it is. Tough talk that we need to hear. The Ramsey Team will be there for the clean up, for those willing to listen, and change. .

[@appleiphone69]

It just shows that people have been living beyond their means for years.

[@fsm12385]

We are in a quiet depression.

[@timhicks6557]

“ Live like no one else now so later you can live like no else” Thanks Dave!

[@girlygirl1890]

@Tim Hicks "Live like no one else now so later you can live like no one else, then **GIVE* like no one else. Yes Tim, you are right. Dave's words are powerful and if we all stick to what he is saying, "we've got this." Blessings.

[@adrianapomatto1614]

This video brings me comfort. My husband and I just got married. We are doing our best to not overspend and to budget. So far we are doing well.

[@richardmeyersmeyers8123]

Congratulations. I wish you happiness!

[@tshandy1]

Good job. My wife and I have been on the same financial page since we’ve been together (over 20 years). This is the main reason we have built a comfortable financial life together.

[@boston312]

Oh boy, this is arguably the hardest time in history to have a family. Ill be praying for you

[@velcrow101]

Keep up the good work! And congrats on the marriage!

[@righteousmasculine]

GOD bless y’all I’m doing the same

[@justsarah5085]

Honestly Jade is becoming my favorite Ramsey personality. She is just amazing!

[@LillyAnnHouston]

Planning on going to buy a new couch this weekend. After this video, I realized I’m happy with what we have.

[@smileychess]

My couch has a small hole in the arm, which was how I got it on a discount from the store. I call it my money hole, because I have more money thanks to it.

[@rampagenelson9658]

Society especially my generation LOVES debt but doesn’t understand it.

[@stuffykong]

Research from the 2022 holiday season showed an increase in spending but that there was also a spike in people trying out buy now, pay later technology. So it's definitely a ticking timebomb.

[@ronaldnichols9945]

I'm glad I'm debt free. I walk to the gym rather than driving. Little things add up over the month. I have a monthly budget.

[@betsyogle8224]

why do you have a gym membership?

[@ronaldnichols9945]

@@betsyogle8224 To attain and better my health, flexibility and strength.

[@anthonyfaucy2761]

Why are you paying for a gym membership when exercising and working out is free?

[@anthonyfaucy2761]

@@ronaldnichols9945 You don't need to pay a subscription to get better health.

[@tlgmc1908]

​@@ronaldnichols9945 look for free exercise equipment in parks/libraries near you. In orange, CA we have a few cities that have these so maybe other places do as well

[@pwells10]

It's amazing how fast you can save up money when you're debt is gone. Hustle hard. Live cheap.

[@talgov01]

Hi, Dave! Thank you for helping me get out of debt. Praise the Lord, I am now DEBT FREE! Your ministry is awesome.

[@charleschristinemazza]

Best advice out there. People vacation now multiple times a year, brand new cars, big house it catching up with you eventually.

[@boston312]

Americans dont travel, at least not international

[@Youdontknowwhatliterallymeans]

Yep. Eat out every day, buy too much house, don't save, go on vacation every year and when you're broke whine about capitalism being evil.

[@smokeyj3983]

I can't believe people won't stop spending. It's mind boggling.

[@timewa851]

habits. just habits.

[@londrahunter8554]

No. Its the American way. Retail and allure of big business participants. Mass marketing is rampant and it is a powerful beast which is more potent than what’s discussed nationally.

[@lovetobe6118]

The worst is when people who make more than you do ask to borrow money. Then you find out they have been borrowing money from other relatives, too. 😂 Then we go to the grocery store together. I buy only what I need to nourish my body based on Nourishing Traditions book. They spend their entire shopping trip on ice cream, brownies, sugary drinks, candy bars.... When I refuse to even buy a container of ice cream for my birthday. No wonder these people have high grocery budgets and high medical bills. They only eat junk food or they think they have money to burn on useless junk food.

[@girlygirl1890]

@clot shots You are very wise. Some people are so worried about "impressing" others, that they'd rather go in debt doing it. It's crazy. Stay on your course. You're doing well. 👍

[@m0o0n0i0r]

I work from home now. Im a full stack web developer. I used to ride a bike in to work or I ran in to keep fit (working at a desk, eating with no physical activity isnt good for me). I remember in the office, people asking me why I dont drive in, I replied, how long do you have to work before you are in the green after all expenses just to get here? They soon shut up. As I say, I work from home now, and it works for me, just had a bonus in fact (UK new financial year). I dont take things for granted, keep my head down deliver on my dev work and just get on with it. Anyway with the money I save - I actually invest in myself and learn new skills. I can actually lay bricks, do basic plumbing, lay a patio, im currently learning Japanese Joinery and wood working etc etc

[@Carlossoto-rg5hh]

That's awesome and you are a jack of all trades. It's good to learn different skills. I make it a point to keep learning. It helps you save when you know how to fix things or add value to your home.

[@m0o0n0i0r]

@@Carlossoto-rg5hh yep skills learned are a good investment, and I can pass them on to my children

[@xxhshrebyba]

my dream job is being a UI web developer

[@m0o0n0i0r]

@@xxhshrebyba I would do it step by step, learning javascript , jquiry, and then reactjs - there are a lot of youtube videos...Word of warning however, there are a lot of shills in the industry who will try and low ball you as they say things like, “I can use squarespace and its much cheaper”...so be prepared to walk away. Also in my experience, there was a big push to outsource the work to India, this failed massively after two/three evolution cycles of the website. I was actually made redundant at one point because of it. A few years later, the old owner of the business tried to rehire me, which I refused. Today I work for some major freight and logistics companies and warehouses where SMEs can sell online, have their products fulfilled and shipped out. I can retire (I'm 40), but at the end of the day, I do enjoy my job and I can work form home.

[@robertweaver4728]

Jade is becoming the best co-host because she’s actually the most relatable and doesn’t seem like a cheap Dave imitation like George Kamel is. i can’t watch or listen to videos with him anymore

[@treydezellem27]

It’s always funny how different everyone is. I love George because he is often using Daveism’s, love the rest of them except Deloney, not sure why

[@darlenepaul2918]

I like and appreciate George Kamel too!!

[@nancymartinez6248]

Why is SHE so much more relatable…it’s about the information…

[@Meemee-mo5it]

​@@nancymartinez6248 I heard it is because of the debt process that she walked through.

[@sgist7824]

I agree, George is just trying to be Dave, whereas I'll watch this lady much more and she has her own character.

[@andybates8861]

The main reason IMHO that the younger generation is in such financial straits is that they are not taught ANY financial education in school or at home. Financial literacy should be mandated in all schools.

[@themusicman669]

Now, you and I both know the system wouldn’t profit off them if they knew how money actually worked and was managed

[@barnabusdoyle4930]

You know that the financial ignorance of people, especially younger people, is incredibly profitable for the financial industry and they cannot allow people to learn how money works.

[@smileychess]

Bingo.

[@thebastardgift]

People who do not want to work are not teachable about money.

[@James-po2sv]

Or maybe because everything is outrageously expensive now

[@Petruskinhap972]

One of the biggest things for me was to give up Disney. Lol it’s so stupid, but everyone here goes once a year. Keeping up with the Joneses, yupp. I added it all up, thought about the lines, the pressure to do all the things again…..And was like “no, thanks, Dave Ramsey would not approve”. 😂😂 Decided to spend a weekend at the beach instead for 1/10 of the price.

[@TShirtAndReeboks]

Yes! We don't do Disney and when we go to the beach, we drive (12 hrs) rather than fly. Vacation days are not an issue, and the money saved makes us so much happier when we are back!

[@osimeon00]

You don't have to give up everything you enjoy. You can always find alternatives. There are many cheaper lesser known amusement parks in Orlando and California where you can have a good time.

[@bmarieluvstheearth3879]

I don't enjoy Disney. Crowded, hot. Lousy food. I've been twice. Have no desire to go back😊 the price was outrageous too for what it was. Concrete everywhere. Long lines I seriously don't get the attraction

[@stewbugz5213]

My husband and I are almost debt free. I started getting the “ I want a new kitchen” feeling. I’m glad I listened to this one. Jade is amazing!

[@reneebands4361]

Our debt free "scream" is tomorrow... $214K in 24 months!🎉

[@c2s2942]

What do you do for a living to make that possible?? Not asking to be rude, it’s just hard to fathom that kind of income

[@trumpisatruepatriot3431]

Pretty impressive right there.

[@benjaminpauldimedio]

liar liar liar

[@Dobiegal]

Congratulations! Welcome to weird!

[@benjaminpauldimedio]

@@Dobiegal yep gang stalking weirdos that surround me 24 hours a day instead of getting a job, its getting really demonic how many broke and homeleess people there are , that really hate money

[@mocheen4837]

Thanks to social media everybody feels that they deserve to live the wealthy lifestyle.

[@kyoung4534]

That is the real problem!

[@suen5006]

Jade! You are the best! More from Jade please! She calls it like it is but keeps the right tone.

[@BagsNBaguettes_327]

Most people are trying to look rich, I know someone who drives a Lexus yet asked my mom to borrow money and has YET to pay it back. All thanks to instagram 🤔🙄 I didn’t buy a Lexus until I was in my late 30s and made bank and wrote a large check almost paid it off. Our country has a real problem and it’s called entitlement.

[@Dividendsmattertoo]

The rich measure wealth in time and the poor measure wealth with money. Great job I rather be wealthy “rich” then look rich staying broke

[@alexgg7499]

No the gov is here to help

[@targetegrat]

Its funny when I tell people to pay in cash for a car. If you have to finance it should be no longer than 36 months. Most people think thats too short for a car loan.

[@19hundoc47]

You can buy an old Lexus for very cheap so driving a Lexus doesn’t really mean anything

[@yolanda5756]

Dave is in my head EVERY time I attempt to go to the mall or eat out! I have to turn around😂

[@LA-fr7fx]

Great conversation and very good advice. I went from McDonalds to multi-millionaire in 20 years and I still live poor today.

[@ranicharan281]

How you become a millionaire?

[@raquelocasio8588]

I learned how to say "I can't afford that" when times were good. So it amazes me to see that people are complaining about food prices and yet going into debt for dumb stuff. When you are honest about your financial situation and verbalize it, it becomes much easier to live within your means.

[@nieshar1]

I’m so glad you guys are being honest about what’s going on in the world. I love this new host

[@dennybrown3010]

Young people want everything Mom and Dad have, right now! Never mind Mom and Dad worked for 20 plus years or more to have what they have !

[@taraanthony6326]

Thanks to watching Dave Ramsey videos, I paid off my house!

[@fireant1272]

One of the most important things not taught in public schools, finance and taxes. Why? Parents teach your kids at a young age and home school them.

[@cabayern9416]

I know someone like this... Refuses to delay gratification. Then complains endlessly that salary isn't enough.

[@Pah.3550]

More Jade! She’s great.

[@CYCO1631]

I got a compliment today about finally having a new pair of shoes, from a guy wears nothing but new designer apparel. New shoes, which I bought off color and online (to get a lower price) with a gift card bonus from giving blood is the first new pair in three years. The shoes they replaced, were bought before the pandemic, were demoted to lawn mowing shoes two years ago, and went into the trash because they had holes in them. When asked about it, I told him I'd rather have 15k in the bank with no (non mortgage) debt, then new Nike's every three months.

[@AS-ng5pi]

We must be twins, you and I. Good on ya and keep pinching pennies. One day we can float in a moat of our interest-bearing accounts!

[@TheFirstRealChewy]

I haven't bought a pair of shoes in years.

[@shawnchristianson324]

@@TheFirstRealChewy ew

[@doug6259]

I'm laughing because every few years my sneakers get demoted to lawn mowing shoes too and a few years later are thrown out.

[@mxbadboy263]

You rock!

[@hugostiglitz47]

I live like I make $20/hr, I dont buy things I dont need, pretend I never get a raise & only I when I get a bonus, I use that for vacation for my wife and I, we are debt free and its so satisfying to have peace of mind.

[@joanneramsey7723]

Delay gratification… make it a game.

[@carlaritchie331]

Excellent points!!! Jade is right, people make choices and need to be accountable for the results/consequences. There needs to be a strong willingness to work to enable a desired lifestyle while living within the financial budget. Take charge, don't play the victim and set yourself up for financial failure. An ounce of prevention is worth a pound of cure.

[@PunkRockGardener]

But they want it now!😂

[@patriciakeever7227]

I know a lady that had to evict a tenant, after working with them for a year. At court it came out that they bought their young child a motorcycle ..and other things. Now they are fixing to be homeless because there are no houses to rent. The tenants really thought they would not be evicted. They smarted off to the landlord. What is wrong with people?!!

[@sbentsen2714]

I like that saying, "Live a Spartan life and give yourself a fighting chance", Spartans were ultra tough, hardened people that could take a lot of hits, highly efficient, focused and dedicated to their life purpose. Good analogy, I think of the Bob Seger song 'Like a Rock', back when nothin ever got to me, I was as strong as I could be, not a dime to spare, solid everywhere. Like A Rock. 😀

[@TheyCallMeJTK]

She's my favorite Ramsey personality

[@bradscrazylife4269]

Well when you make the same as 3/4 years ago & everything doubled. Yup people are gonna struggle

[@jackdaniels5134]

Stop the exaggeration, things have not doubled.

[@giolrz8237]

Venezuelans: You cry baby!

[@eyehatemyjob]

Gas doubled. Some food and other things have doubled. Not everything has but it feels like it.

[@cindymann3673]

Mentally preparing for my aggressive budget and debt-repayment beginning Q2 and binging on DR videos!😅🎉

[@MelRunsThings]

Same here

[@fonz-ys6xu]

Keep watching the videos to stay motivated.

[@bradleymaravalli2851]

Don't wait. Start today!

[@RELO6]

i was going to start in 2016, did't start till 2020, debt free now.

[@helena3631]

I am paying off over 20k in the first half of this year but I have been tracking where my money is going so I have to stay the course

[@craigb4449]

We aren’t talking about this enough! I don’t care if it puts fear in people, it’s a serious problem.

[@tonyburchyns6361]

Love Jade’s energy on this show.

[@Vitone22]

The sad reality about our America is that we fall for the marketing of upgrading our homes, cars etc etc without actually thinking if we can pay for all that. All because of “keeping up with the Joneses”

[@Sonoragrove4]

The Joneses are broke too! 😂😂

[@comptroller39]

You are so true. I was thinking about getting another care because some of my friends have a newer car. I am not going to fall for the trap though.

[@christianmorrow8014]

The amount of superficial status financing I've witnessed since the beginning of 2020 is so gross; people have been duped into massive mortgages that they can barely hold on to, car payments that are literally making them poor, and investing in finance trends only to lose the majority of the initial investment. Per the advice of Dave, I talked myself out of selling my starter house so many times when it appraised way over what I paid, and I thought it would get me into something bigger and better. Today, I'm so unbelievably thankful for that sage wisdom as we head toward this financial cliff.

[@tinmanslickgreasy999]

You are absolutely right but I would like to add superficial status financing has been going on a long time probably since the 80s its just in our faces more because of the internet and speed of info.

[@philipgerry5228]

Debt can get out of control quickly. It’s better to build slowly than overbuy and lose your home/car

[@johnphillips8851]

Let’s talk about the cost of a home and what people are actually making. It’s a rent nation now. Greed, it’s the new norm.

[@aTodaCreature]

I’d rather get the FPU and learn more with your show than get a Ramsey coach. At the moment I can’t afford an extra $400 a month to have one of those coaches. Maybe later on I can. But with your books, FPU program AND the show I’ve learned and continue to learn so much. Thank you all for sharing!!!

[@littleangel4780]

I loved FPU. Great life lessons for those serious about changing money habits

[@Omonike88]

You don't need a coach. Keep watching these FREE podcasts, and IMPLEMENT the plan. I never got a coach, I'm now debtfree. You can BORROW his book from the library as well.

[@jeffpadilla9891]

The big problem is when a car breaks down the repairs are never cheap and it is only going up because they design cars to only be worked on by the dealership.

[@rossdean1997]

I tell people that I am so paid off I don't even pay attention. Life is really great with no bills.

[@rossmcgreg6r642]

Jade is right about people not knowing how much money they make. Some people calling in to your show can't articulate what they make.

[@waynechernick3526]

Learned along time ago never keep up with the Joneses.

[@bobbullethalf]

We all need to stop spending money and buying things off Amazon Prime.

[@focusedfreebird]

This is nothing new. People been mismanaging their money for years.😮

[@nomadictravelerfromTx]

There will always be winners and losers in life. Let's choose to be winners!!!!!!!!!!!!!!!!!!!!!!!💰

[@frankthetank5013]

It’s the peoples fault. The weekend comes and the restaurants are full of people and shopping at the Mall spending the money they don’t have.

[@managingmonasmoula9811]

So how does the financial storm that is brewing affect those of us with no debt and have been doing things correctly? I’ve been working my whole life, working to pay off my mortgage, contributing to my 401k, emergency savings spot on and other savings are drawing a nice dollar value in earned interest. I live frugally and I’m still living a comfortable life. I just can’t help but wonder how this worldly financial storm could affect me???

[@Deut3019]

I see a lot of 300K houses with two new cars. I don’t know how they make it.

[@Jim-yl4fi]

It’s just poor money skills. I knew a woman who got a job and spent half of her annual salary on a Tesla. Concerning.

[@algoflush1430]

She should have bought a new Rolls Royce. Anything less is uncivilized

[@Megan-gl4zz]

@@algoflush1430 Dilly dilly. She is nothing more than an uncultured swine.

[@mikeshaw4610]

There’s one big problem with this message. Most of the people that need to here this are not listening.

[@deronforeman1764]

Not long ago, Dave was telling people it was a great time to buy a house and everything would be ok. The real things on the horizon are major job losses, a housing crash, banking collapse, and the collapse of the U.S. dollar.

[@joycewright5386]

In NJ with zero debt it costs us $4000 / month just for food, utilities, taxes, and insurance. That’s without vacations or going out to eat.

[@blueboat9581]

Move

[@catholicfaithofmine2664]

Your paycheck though is being eaten up by outrageous taxes especially property taxes I moved from the East Coast to a cheaper location. My property taxes are less than 700 a year

[@ninjagirl226]

Then move across the River. I live in DE and I’m under $1500.

[@joycewright5386]

@@blueboat9581 We love our home, the four seasons, our church,our friends. Only thing we hate is our governor and taxes.

[@fonz-ys6xu]

When you say insurance, are you referring to auto and home, or health care too? How big is your family?

[@lyndacavener2078]

I just did this on RC Cola at Walmart… 6.98 nope I’m not going to spend that I’ll do without!!!

[@motoman869]

Call up your debtors and tell them you aint payin. Keep your hands off of my stash. When you realize the most of the things you are paying for doesnt enrich your life they easier it just became. Do stuff that matters. Heck with all else.

[@karenjensen2345]

😢 agreed, people are propping up their lifestyle.

[@joedipietro3443]

This lady is spot on your show should be seen by this nation . Very smart I give this show a thumbs up. Keep up the good work.

[@jackjack-bw8ks]

Robbing Peter to pay Paul is not a fun way to live. People don't learn until it's too late.

[@kdkdkd4153]

Great voices, trustworthy information. TY. God bless.

[@XXDXX777]

Imagine if people worked together and shared resources versus being isolated in every endeavor …

[@Chicago48]

Most Americans don't live in big cities with public transit. They MUST have a car and cars cost as much as a house these days. The operation of cars is expensive.

[@xandercruz900]

>cars cost as much as a house these days Uh, no.

[@liveandlearn5320]

You can get a good car for three or four grand I’m not saying you might not have to put one or two more into it but when you’re done you’ve got $5000 into a good car if you’re smart, you can pay cash for that and to fix it you don’t need twenty to thirty forty thousand dollars for vehicle

[@JohnSmith-wy7ji]

We are in a recession going into a depression! 🙁 Do what Dave says and pay off debt! But don’t do what Dave has said over a year now and buy a house! You will lose money buying a house now! Be patient and wait!

[@americafirst9144]

Good advice.

[@mocheen4837]

Everybody on my block purchased a new car or two this year. We are the only ones that did not purchase a new vehicle. People seem to have come into money lately. I see so many people driving new cars. We have been trying to cut back on spending.

[@dougb8207]

Great show, thank you. I remember those days; so broke I couldn't pay for an internal fuel tank replacement, so I traded in my Aerostar for something else that had car payments. One thought I had at the time, was I didn't know what would break next. I hope those days are beyond me.

[@frankxuereb5422]

One of the best convos I’ve ever heard on this show and been watching for a while, great advice all around

[@joeplem5329]

And then here's me with the exact OPPOSITE mindset, being cheap AF no wife no kids truck and toys paid in cash (not cheap toys btw) REFUSING to pay more than 150k for a single family home because i don't want to waste my life away at work...I could give two you know what's about my "status" SMH

[@Itsdjsigi]

Keep that mentality brother, you and I both are on the same wave

[@iEatPandaz]

Living somewhere where a single family home can be purchased for $150k is key. Keep up the good work brother, I’m jealous

[@shawnchristianson324]

No wife really isn’t the issue in my opinion. If you’re happy being single great for you and nobody should have an issue with that. I think the bigger issue is having children when not being financially secure enough.

[@n1k01k0]

I asked two friends about two years ago how much they spend on bills and food and neither knew the answer. I was shocked because I know EXACTLY. Well they found out when they got home and the answers weren’t good but it gave them clarity and they started acting right. 😂

[@DK-et6lm]

She is spot on

[@Joshmarmolejo_]

Jade is the cool hip host who always tell the hard truth.

[@timothyswauger3984]

Consumerism is a big problem with way too many people.

[@7ZurdoOfficial]

That’s what my uncle did he was done paying his Jeep and then it started having to many problems so he went and traded for new Toyota lol and got payments again

[@MultiInKIEto]

It is called the American mentality.

[@7ZurdoOfficial]

@@MultiInKIEto worse thing is he ain’t American 😅

[@higherthinking4143]

She makes a lot of sense!

[@lucianracu9975]

I have zero debt don't own anybody nothing feels good..

[@Demonic614]

It's amazing how I can understand and know Dave Ramsey principles and still not do anything right after 20 years! 😅

[@tomcripps7229]

It's going to get tougher and tougher because we're just going to keep printing money like there's no tomorrow because everyone deserves to have everything for free.