Dave’s Top Teaching Moments | Dave Ramsey's Greatest Hits

[@josephlabranche4889]

I get called a dumb ass for not having credit cards people always look for somthing to dig on you but poppa dave always makes me feel better

[@GlaricRelic]

Man I just got a credit card, because as I saw it helps you when buying a car, a house, etc. At this time I have not spent anything and I'm a little scared of going into too much debt. What do you recommend me?

[@TheRealTommyBear33]

who cares if you dont have a credit card bet you got thousands in savings and they got none lol

[@bhaalgorn]

As someone with almost 100k in credit limit (never paid a single late fee or interest payment in my life) the trick is to just budget and dont overspend. If you do, youll never, ever have late or interest payments and you will make money using them assumjng youre using rewards cards. And if you're using a budget as if you were using cash/debit, then you will not be spending more than you would without one. If you suddenly are making reasons to carry a balance, cut up your cards immediately. Make sure youre always living below your means, try to save at least 20% or so of your post tax income every month. Have an emergency fund that is liquid cash. CCs, LOCs are not emergency funds. ​@GlaricRelic

[@rbarzola7756]

credit cards are so time consuming. We save time by not dealing with them and their manipulation

[@jjzendejas5630]

I guess 😅🤔 we are both dumb ass people and let's stay that way 🎉💪⚓🧑‍🔧

[@ronaldbordeaux919]

Im lucky to say the most debt ive had is $217.36 and im listening to Ramsey at 18 years old just graduated high school and have my welding certification from college

[@MarkBray-g6h]

I’m proud of you! Go get what you deserve and keep listening to Dave! I didn’t know I was working the baby steps until I found dave about 6 months ago. We have always tried to live on less then what we make, we did staycation way before it was popular and now we are in the final stretch! No debt,house paid, and money in retirement and keep adding every week

[@ruskyivanich2107]

​@@MarkBray-g6hI forgot staycation was a word haha. To be honest, I like staying home when I don't have work, especially when it's like a 3 day weekend. I finally get to rest from work.

[@braylinheim2257]

lol me 5 years ago. I wasn’t in debt bc no one offered me any yet…

[@chriscole9621]

Don't get into debt. I'm 25 and I have thousands in credit cards, personal loans, and an expensive car loan. It's not worth it at all.

[@justincoulter1992]

Hell yeah brother

[@happyg-gf1pu]

My achievements for last 8 years Paid mine and family debts Built new house for family Spend money for my Two sisters marriage, Bought car Now Debt free and investing journey started, wish me luck 🎊 💗

[@chaaaaaaaaaaaad]

Congrats and best of luck

[@wilsoncortez2154]

Good luck!!! Happy to hear you are doing well. It's motivational. You are a positive example that we can all do it.

[@ElijahListran]

Good luck and, also, give youself breaks and vacations

[@pklucas9790]

Just paid off my debt today, 🙌 hurt a lot but I got it through. Now it's all profit and no more liabilities.

[@Chessdude4]

Get that emergency fund done.. and then you’re piling up retirement for the rest of your life.. it piles up fast

[@kimharris3322]

Paid off everything thanks to Dave. Everyone can be debt free😅

[@sharktoof1]

Congrats!

[@deeladybug2618]

Seeing Zero balance on the two credit cards I paid off is an AWESOME feeling. ❤

[@workinprogress-ye5or]

I have 0 balance paying it off as I go and every time I see I have 50 or 100.00 for a gift or item from points, that I need and I don't have to touch savings, that's good too. It's discipline but over the years I honed it so I set up payments as I buy things.

[@downburst1]

Started watching about 10 years ago, massive mortgage, but careful with money more or less. Anyway after these years I’m millionaire. I don’t have a car payment, but have a new car. I don’t have a mortgage in the last 16 months. I put 27% into pension with company on 8%. I have 120k liquid savings and half a million in pension pot. All assets combined 1m. Thanks Dave for being there and allowing me to dip in for inspiration. Continue to watch to stay the course. And editing to add, I’m only getting started. I will give and grow. God bless all.

[@rleonekc07]

dang brother. GET IT. Hoping to be on your level soon.

[@GlaricRelic]

man I have 20 years now, and dont know too much about finances, what can u recommend me to get there??? im studying a bachelor in computer engineering, so I can have a good job, at least thats what my parents tell me. (currently in my second year)

[@downburst1]

@@GlaricRelic good advice from your parents as obviously income is the most important source of wealth. Otherwise learn the value of the concept of wealth. It’s about choices, I could buy that or this, but I choose not to. Control and confidence. Don’t be driven by needing things, but by needing to build wealth and choosing should you wish things that complement your own goals. Look at the unfortunate people who spend all they earn and some. Is that you? If not you will be fine. It’s common sense to be honest.

[@GlaricRelic]

@@downburst1 thank you so much, ill do my best always to take them out of debts and stay finantially free

[@pieswimmer1]

God bless you bro you got this ​@@GlaricRelic

[@shawnchristianson324]

Really trying hard to clean up my 16k worth of debt.

[@BlakeWheelersBurnerAccount]

Keep going.

[@maigaaminata6370]

You got this! I’m in the same boat -we will get to that financial peace ☮️

[@XtremelyJ]

You can do it!

[@jlebrech]

how many debts? 16k should be cleared in 16months with minimal effort. with a snowball even faster.

[@polarablues64]

You got this! I've been credit card free for 2 years and it feels awesome!

[@Drivin_Sideways]

"If we were doing math we wouldn't have credit card debt to start with" 😂 I listen for gems like these! Thank you Dave!!

[@joeplem5329]

I'll save you 38 minutes, adopt a minimalist lifestyle and stop caring about your "social status " and you'll have money at the end of the month...not that freaking hard smh 😒

[@GAFB1122]

I'd beg to differ based on observation!!

[@cajbaf]

You are correct. Live within your means.

[@LittleMopeHead]

Exactly. I started minimalist lifestyle 5 years ago and it definitely helped, I would say 80% behavior. Plus I'm reaching 40, so I care less and less about what people think about me.

[@TallyDrake]

The problem isn't just credit cards, it's also automatic payments, where again you don't feel the "pain" of paying the bill.

[@kellellebelle]

Out of debt thanks to Dave and hard work!! YOU CAN DO THIS!!!

[@sssnipermonkey5566]

I’m 35 and in 56k in debt….. I’m gonna clean myself up and chase positive wealthy and freedoms thank you Dave 😮‍💨🎤🤬

[@ginaiacono2776]

You can do it!! You're so young, you WILL be wealthy and sooner than you think. Bless you!

[@arroyofive9259]

Same boat here 39 years old roughly same amount of debt not including mortgage, we can do it

[@Koppes1010]

I’m 35 with $53K, let’s grind through this together!

[@valarmorghulis4801]

Let's doing y'all!

[@pattiellen5339]

I have no debt but I am using Dave’s beans and rice recipe to save extra for retirement. Running with gazelle intensity towards making it happen early. When I am tempted to go out to a restaurant and blow $50 on a meal that a reluctant 22-year old line cook made, I decide that the money will be better spent at a later date…when I want a dinner out in my retirement. 😎

[@talhagungor2667]

“Scorched earth life style. Sell so much stuff that the kids think they are next.” 11:00

[@Western.Confrence]

Dave is doing gods work, thank you for your wisdom!

[@big4740]

My cat on craigslist 😂....

[@annahopp]

Should I tell my wife? We have two cats.

[@Scott-pn3np]

"Put the dog on Ebay" 😂 noooooo! My dog is priceless! Haha

[@ShallowStudios]

Good luck to everyone on their journey. I promise it gets better. KEEP GOING!!!

[@angooredcow157]

No debts here. A simple life. Financially disciplined. Minimalist lifestyle. From living in an attic to making a chicken last a week, we invested in ourselves. Professional degrees that landed us in good jobs and comfortable lives. We saved for the kids’ education and prepaid their education when they were in sixth and eight grade. They have no student loans today and unburdened by debts. My husband bypassed Yale because we did not have the money and the university did not give him any scholarship. Some regrets but we would have ended up in major debts and the inability to pay for the education of our children. Thanks David for speaking frankly about money. Many of us have to keep up with the Joneses.

[@valarmorghulis4801]

Which college savings fund did you use?

[@ArashHildeman]

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.

[@pedroAgondel]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@BernardinoJavier-f3s]

I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.

[@chrisrosario-kb3nw]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@DavidBishop-y8m]

I'm new at this, please how can I reach her?

[@BroxsonDeighan]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@patri_mb]

I’m a FAN of these rants

[@TheHoriginal]

Yaaazzzzz 👍

[@mavamQ]

Dave said it, some live so conservatively that they can use credit cards without spending more. My wife and I have our hands raised. We earned $1.75M over 36 years, we saved and invest our way to a liquid net worth of $2.72M. Our paid for home increases that number. It takes a mental attitude that Dave tries hard to instill.

[@WolvesBaseballNine]

Chill out with calling people stupid and morons, brother. It reeks of arrogance and hatred. Christ tells us to Pray for our enemies. Very doubtful we are doing that if we are so quick to anger and insult one another.

[@TheHoriginal]

Jesus called the Pharisees “vipers” and “whitewashed tombs” and “hypocrites “. Just sayin’

[@dorte2394]

I just discovered The Ramsey Show a few months ago and can only watch it here on KZbin (I am not American). I payed for my brand new car with my debit card (I bought a Renault Twingo, I don't even think they sell it in the USA, it is a very small car compared to normal US cars, but it gets me from A to B). I have never really had a credit card (I did have MasterCard for 10 years as an extra security when I travelled but I never used it). I just have a debit card. I have never really been in serious debt because I always paid it off as fast as I could (student loans and my mortgage). It only took a few years of hard work and tight budget. Now I have a low paying job but a lot of free time. I save for financial freedom and early retirement. My plan is to be retired by 2030 and enjoy the rest of my life with more to spend than I ever did. I think I will just go on spending like I am used to, I really don't need much to have an enjoyable life

[@Erati243]

I do it was 29 dollars, i clicked it up. still used the debit card. LOL funny you mention the grocery store stuff. I deliver groceries for walmart spark for "fun funds" I have heard SOOO many people I deliver to that actually tip decently say that the tip is because I am still saving them tons of money from "broswing shopping".

[@blugnu1]

Credit and now, medications are vying for the top commercially pushed products!

[@BenState]

USA USA!

[@eliburry6572]

Dave Ramsey for president ??❤

[@TheHoriginal]

Absolutely 👍

[@MustangWriter]

I'm halfway paying off debt. Got another year to go (24 month plan) . Paid off my car last week. I'm feeling REAL good about that! Taking that $400 payment and applying it to remaining debt. As an empty nester I was able to make a huge dent selling stuff off (decor and antiques) that I no longer needed at a local auction house. Check local auction houses in your area you'll be surprised at just how much your unwanted stuff sells for to collectors.

[@Momosvlogsies]

Keep it up bro 💪🏾

[@Ariel0607-b8p]

I've accumulated 25k in debt and im going nuts right now. I cant sleep, i dont eat well. Between car payments and cash advances, personal loans i pay 1k a month in capital and interest. I earn about 3k a month. Between groceries, gas and house bills thats another $1800. Another $150 goes to credit cards. So im roughly left with $50. Going absolutely insane here!!

[@misslanapaulford]

Dear Dave and family Please please can you do a video on, what to do when You have no debt Have a emergency fund 6 + months and have a budget and being frugal. The Goal being saving 20,000 for a deposit for a house.. I love love you videos especially with George and John. BUT we dont all have debt/loan's and cars. Can U and your amazing team help. 😊

[@devingauldin879]

I'm on step 3 of the 7 step program. I paid my debt and it hurt but I feel a difference in my life from doing so

[@juststradwife]

My husband and I made the decision that we’re going to get out of debt. No more beating around the bush, and no more paying extra on this or that without a plan. We have our plan thanks to Dave, and this is the first month of the rest of our lives. Conveniently, our interest rates allow us to use the debt snowball to pay off the lowest balance and the highest interest debt simultaneously, so no worries there. Thank you, Dave!!! We haven’t even started yet, but we have you to thank!! We have hope and a bright future ahead thanks to you!!

[@megantoman2795]

How is it going??

[@juststradwife]

@@megantoman2795 Since the beginning of April, we’ve paid off just over $33k in debt!! We got a nice jump start from using some of our savings, but we have just over $63k left. Based on my spreadsheet, we should be debt free by (or before) June 23, 2025!! ☺️

[@laurafratoni7931]

Not sure I would have picked those as choices for his best. He’s way more amazing than those are. Hey whoever put this together…. Really pick the best so I can send it to members of my family I have been waiting for a best of. Like an intro to Dave and the principles video with some riveting calls too!

[@TheComicVault]

Things sold more than credit cards: - Religion - Food - Banking To be fair, I’d put it around 4th after that.

[@ItsAWildLife1]

If we put all of our expenses on an Amex and pay it off every single month and get loads of rewards, where is the downside?

[@strqueen123]

You spend more when you use CCs plus you support a predatory company

[@EagerGoldenDoodle-ef2qb]

Paid off everything sold tbe new car 4 months ago. Was pretty much broke but getting rid of that Mercedes and now driving a old minivan thats as good as new car or truck

[@annahopp]

I did it 'ish' and still made it. Did a few rollercoaster loops through stupid tax land, but still made it. Don't tell Dave.

[@Abulls33]

😂

[@talhagungor2667]

I always thought about if I just a made a little more it will be okay, all I had to do was control what I had. You can’t make enough to out earn stupidity.

[@theclown888]

Cash is money already spent, i.e. not painful to spend at all for me. Plastic on the other hand represents the decrease in my accounts, which is very painful. It’s not the 20th century anymore.

[@BenState]

Fail.

[@JohnSmith-tn1te]

Dave knows everything his is the only way lol

[@fredfinger7092]

Yes right credit cards are evil. And 8% is a safe withdrawal rate for retirement. I respect a lot of what Dave Ramsey says. But on some issues he's just wrong. He'll never admit it though.

[@donluedetmoonsone9573]

Thank you sir! I love your show. I am on baby steps 2 now.

[@oldskoolnyall]

Result of Listening to these videos today, I am no longer buying a new car. Buying a new car Doesn't make sense anymore.

[@HighCarbAlex]

Yep just buy one thats 5+ years old after some idiot lost most of the value, but got to flex his new car. 😂

[@john-on5jp]

Great advice if you have income sufficient to pay bills annnd debt Which most don't including me 😢

[@pauleff3312]

Dave IS right in this. Yes, I had credit cards that I was paying off religiously and not paying any interest at all - just a card in the shop.... come home and pay it off that night (rather than carry a balance)... And when my plastic card expired, the bank decided it wouldn't replace it - I wonder why?

[@nicholasmartinez6043]

Anytime Dave does the Kermit voice you know it’s a good rant!

[@BlueLineGroovy]

I’m debt free !!! 🎉. I own my home in the country. My own car … it’s in great condition .. I’m retired and live very frugally and simply. And I haven’t had a credit card in over twenty years !!

[@LauPlays]

Half way through paying off my debt and it’s like an addiction! Cannot wait to get there. Listen to this man, he changed my life!

[@talhagungor2667]

The borrower is slave to the lender. Behavior matters most, pay off debt, get rid of those traps.

[@youltenbrett]

11:10 "name the dog ebay and put him there"

[@TheHoriginal]

I LOLed at that too

[@gbblarggb]

Thanks to Caleb hammer I started looking at finances and found Ramsey during it also. Made finances a bigger important part of my life, been debt free and only keep a low interest loan. Thanks yall.

[@angelaonthego]

So glad you made it over here! I’ve made some comments on Caleb’s videos for people to also check out Dave. I feel like Caleb gets people motivated to changeand Uncle Dave teaches you how to do it.

[@RoadDogRiley]

I knew the credit card advice 20 years ago but didn't take it like I should have. Now, I am in CC debt. As for the housing advice, I don't ever plan on buying or building a house. I'll try to adapt it to a boat when they time comes for me to retire.

[@SandyMary-zz9ug]

Dios. Lo. Bendiga. Por. Favor. Un. Número. De. Teléfono. Que. Me. Pueda. Comunicar. En. Espanol. Muchas. Gracias

[@emilsisorganizandote2688]

“Some of you got drunk and wake up married” 😅

[@SandyMary-zz9ug]

Dios. Lo. Bendica. Saludos. Tengo. Hija. Se. Pueden. Comunicar. Con ella. Se. Llama. Yajaira. Pinott. Muchas. Gracias

[@seanwoods3028]

10k in debt. Was working 3 jobs now I'm all in on one job that will pay more. Just trying to get to that first step

[@shirlene8868]

You got this!!

[@37ccooper]

Hi I been learning lot for u I’m sitting better with money by watching u all

[@elchavinha14]

Get out of debt people!!! It's worth it!

[@astrokade_astronomy]

Paid off 20k in debt and have been saving my emergency fund because of this show! At about 4 months in that account

[@evosmith12]

Dave is stubborn with his “never became a millionaire on airline miles.” Of course not. This is text book straw-man argument. Not a single sane person believes airline miles turns you into a millionaire. Think Dave; think!

[@evosmith12]

Dave has poor character for this. He knows better, but his flamboyancy sells. He might justify that it is for the greater good, but his God wouldn’t work that way, which he knows as well.

[@SlickFord108]

I don’t have any payments.

[@darcyfox2575]

Would you like some?

[@emmsonbrown2249]

Way to go. Congratulations.

[@vandoserpa5371]

​@@darcyfox2575that's the best comment I've seen in a Long time! 😂

[@billymabum3514]

Live in a box ?

[@kylehackett162]

Yes you do. You pay property taxes to the government, or rent, or groceries, utilities, etc. Need I go on?

[@mlu18]

Love listening to Dave the word "Stupid " 😵‍💫 gets under my skin . I am learning from others' mistakes.

[@brucefredrickson9677]

Like Dave, I did a lot of stupid financial stuff in the past but learned from lessons that were reversible. Debt free now and enjoy about $9k monthly in retirement...have not yet taken my social security which is about 18 months away. That will at another $40k annually. Dave is right about not buying stuff on credit that you can't afford.

[@Mbs1979]

I disagree… using a credit card for cash back benefits works for people who are financially responsible. I use it for certain purchase types, but I make sure I budgeted for the purchase and then transfer it and pay the credit card purchase balance off as soon as it hits. I just did it recently to pay for new tires for my vehicle. I have zero debt, no mortgage, I put 20% of my paycheck towards retirement in my ROTH 401(K), not including the company 100% match up to 4%, and I still put away $7K per month towards savings and other investments and this is after all other monthly bills are paid. I did the Dave Ramsey steps and it was hard for several years, but 95% of his advice works. Being financially free is absolutely possible, and it is the greatest feeling.

[@GAFB1122]

Dave Ramsey just burned everyone who wants to focus on just the math as opposed to behavior. Paraphrasing... Honey this not a math problem this is a you problem!! i.e behavior

[@MerlinYggdrasill]

This is the last one? Come on we love Dave Ramsey Greatest Hits! We could possibly get another two or three videos out of it. This series is pretty much biblical for getting your money mindset together you can go back to these videos and learn new things

[@fredalookman]

Amazing video, A friend of mine referred merto a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@JamesOliver-rj8ph]

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

[@PLH_Exclusives]

lol can I post the segment of “How to Build a House” on my website?!!! Love it. So relieving to just hear someone speak it. I make the owners build it on paper first with me… and that still takes a year lol.

[@amandahaataia5505]

It finally clicked for me. The problem with CC (even if you use them responsibly) if you create a positive association with consuming (people always joke about “the points). And if you’re celebrating consumerism, you are spending more!

[@TheKC1003]

Thanks to Bitcoin paid off my debts, made life changing money, no more credit cards and almost paid off the house. Now steadily investing / DCA’ing🌱

[@zerozone6666]

I’ve had 5 credit cards for 10 years and never paid interest. People get thrown with what they can spend. You have to act like it’s your money, if you are smart then you will be fine. I have to pay for it someway mine as well gain the 2-5 percent. If you are bad with money then it won’t work

[@ReAl-uu8ku]

I don't enjoy the process, I want it done 😂

[@candecarro]

You’re wrong about not remembering what I spent when using my credit card. I can tell you my last 5 credit card charges and my 5 last cash payments. Maybe most people but not everyone, I assure you.

[@candecarro]

Except for pharmaceuticals marketing which tops credit card marketing $$.

[@emerald640]

Why use a debit card that gives instant access to your account when you get greater protection from a CC?

[@GigaChad_169]

Because you can’t overspend and get caught up in high interest credit card debt using a debit card. This is about harm mitigation. More people get in over their heads with credit card debt than they do with transaction fraud.

[@kilroywashere9678]

You missed the whole use cash bit didn’t you.

[@Ravetar101]

Its hardly greater protection i've been disputing a charge for like 3 months and its still not over

[@joygarrett8397]

Many financial institutions now offer debit cards that go through a “dummy account” first . . They are tied to your checking But have another layer of protection in between . . I just found this out at my bank.

[@cindypatrick785]

I am trying to use a debit card but I use the debit card control switch on the app to turn the card off when I’m not grocery shopping! 2:48

[@johnmackey3937]

Is a buyer agent just an agent working to help me buy a place? Dave, do you have staff/connections in Florida (I'm in Delray Beach).

[@MarkPizzini]

Some good reasons to invest in Visa and Mastercard the toll takers of the credit card industry

[@Ezmoneyash]

Great timeless advice

[@TheHoriginal]

Oh Fo sho

[@Andrew-ok5ht]

That’s so impressive that I have been always living by those rules and everybody called me money hamster. But I’m not alone, Dave thinks the same way 😊

[@Patsworldbaby]

I been out of debt practically my whole life. 2023 I was almost 30k in debt. Got out in 1 year.

[@BenState]

Housing?

[@Patsworldbaby]

@@BenState no. Car payments and a trip to Cancun

[@BenState]

@@Patsworldbaby So you're homeless

[@Patsworldbaby]

@@BenState I live in my semi truck. But on paper yes I’m homeless.

[@BenState]

"we're gettin' outta dat"

[@kuladevan2560]

I make 30k annually and my car debt is 33k … how dumb😂.. any I thought I beat the sistem when I got a lower interest rate.

[@babettejennichan9228]

Let’s GO Visa! Use it responsibly and you’ll be fine.

[@GAFB1122]

Lol ... do you get / understand Dave's program?

[@cajbaf]

​@@GAFB1122 Apparently not..😂. They think they're smarter

[@JJ-jn7ei]

I actually agree. I could care less about points of any kind however, I get A LOT of cash back to use my credit card. I'm not a big spender. The cash back i get goes right into a high intrest account. I realize, it's all about placement and access. I stay out of malls and off of Amazon. I use instacart to keep me out of the grocery store. It takes mad discipline to be this way. B4 I buy anything I'm thinking about what ETF I can't buy because I splurged on Amazon 😂😂😂 This ONLY works if you control your spending.

[@LookingupinJA]

I earn a lot on cash back and they earn ZERO interest from me 😂😂😂… I’m happy with this relationship 😂

[@BenState]

@@LookingupinJA Fees, charges, risk calculated?

[@MGTOWmademeMillionaire777]

37 here, 4 months away from 2M networth, 0$ of debt. Mgtow is the holy grail ❤

[@clementifeanyi7155]

Thank you Dave. My wife and I are on the gazelle intensity. Baby step 2

[@skylersurrell1256]

Maybe all these things you affect you in this way. Retire dave. Your outdated.

[@user-pd6pb2uq8r]

I am in the uk, I use my credit card for the insurance that i dont get when i use my debit card or cash,

[@TheScarecrow673]

How does being disciplined with a credit card and pay in full every month cause me a problem?

[@dmmosher]

Love the concepts; dislike the constant angry tone! Sincerely, a debt-free senior

[@nefertitiben]

Dave doesn't pick on the poor. He picks on the stupid people who stay poor coz of their stupidity.

[@southerngirl773]

I always notice restaurant cost. I order larger entrees to have leftovers. Good way to save money!

[@studleyjb3172]

I wonder what Dave feels about a guy like Robert Kiyosaki.

[@mdcowart11]

What i love about all of this is how it takes away the shame of whatever position you are in, ive never felt so free

[@kylejohnson9292]

You aren’t completely accurate with credit cards. I have never paid interest on a CC basically get a 3% discount oh everything with my cash back cards and have earned hundreds of thousands of miles through bonuses and using the card.

[@johnpip155]

I think Dave's approach is aimed at people with no self control.

[@cjr4497]

All the rich people I know are shockingly tight.

[@tinyhomenetworking]

Love and appreciate you all.

[@trevorcooper5488]

How does a person with very little active debt and a bunch of collections prioritize for the debt snowball?

[@brewpat]

As Dave says, smallest to largest. Pay minimum to all debts except the smallest. Put as much towards that as you can. Once that is paid off, add that money to the minimum amount on the next smallest debt.

[@tracybublik8141]

I just got a second job to throw at my debt ❤

[@Cardinal15]

It’s true I have money in my wallet right now and I don’t want to spend it.

[@Harveykitty]

I don’t use credit cards either Dave. Haven’t for 25 years