How Do I Stop Living Paycheck to Paycheck?

[@TheRamseyShow]

Say goodbye to debt forever. Start Ramsey+ for free: bit.ly/35ufR1q

[@GoldenEraZen]

❤🙏

[@shashanklearnslife]

I can't pay from india. And I really need this. HELP

[@sherribaker1016]

I would love to take this class, but struggling financially.

[@hands2hearts-seeds2feedamu83]

I am on a fixed amount for food, so I can't over spent. I am disabled, but do not drawl disability. I still try to work I hurt a lot and do not have health care

[@harolddaxton3832]

Instablaster.

[@sallymerrell2558]

"It isn't how much you make, it's what you do with it." Wisdom my mom told me many years ago.

[@natashamayweather7171]

Indeed

[@vickieclark5931]

Yep. Dave has said many times that you can't out earn your stupidity. That's why he has so many callers that make a 6 figure income and live paycheck to paycheck. Listening to some of these callers prove that income in not a problem in most households. It's how they spend their money.

[@PInk77W1]

I was on a city bus. A homeless guy sat next to me. Out of the blue he said “It’s not how much money u make It’s how much u spend.”

[@diannathornton2911]

Exactly ....my dad's statement: "It's NOT how much money you make, it's how you manage your money"

[@PInk77W1]

@@diannathornton2911 I see so many people who have no plan and life just happens to them. I just got a new job six months ago. 7 co workers. 3 are massively in debt and Eat out everyday. I want to scream. They make fun of me for eating Oatmeal and blueberries everyday at lunch. LoL.

[@skyrobin4008]

When I first started budgeting I realized I spent 500 a month at work... buying breakfast before work, buying lunch, buying snacks. 5 days a week, average if 25 dollars a day sometimes more. I’ve saved money and lost a little weight.

[@mmmarinakis]

I realized I was spending $600/month on average on groceries and doing the same. It's absolutely insane! I went out to lunch every day just to get out of the office. Now, I bring my food and take a drive or go walking at lunch I stead

[@martian_4348]

@@mmmarinakis you need groceries. You don’t need fast food

[@alfienykabutler5919]

It's like paying to work. now think if you had to pay for childcare and commuting (gas, bus, train)

[@MaJeSTiCz0]

I just have Eggs on a english muffin and a banana and apple for lunch with water until I go home.

[@zachhawkins5005]

Me too, I was spending 350 a month on convenience store food and fast food at work. No more.

[@ginny0719]

When I was young and single I worked like a mad insane woman. I paid cash for my home and car...God allowed those insane years because he knew what my future held...I am now a disabled senior enjoying sleeping late and sitting around in my pjs and petting mydog...Praise the Lord for guiding me.

[@magicworld3242]

Never go grocery shopping without a list.

[@davidcox3076]

My wife is happy for me to go grocery shopping. She told me recently that I'm much better at sticking to the list and not grabbing impulse items. I'm more likely to miss something on the list than to get extras.

[@Brandonson80]

This! Always!

[@msshawn4048]

Hello! Agreed.

[@hempdawg7172]

Never go to grocery store hungry lol

[@ebonysharee]

shop outside the aisles and incaps lol

[@Dagrizzb]

Dave has given me the financial intelligence that my parents never did. For that, I thank him.

[@ManiacFitness]

It's all common sense really. The thing is that it's easier said than done. I always plan on "next week" I'll start putting $50 a week away. By the time I pay whatever bills are due that week and get minimal groceries and if the kids Need anything I'm left with $100 to make it til next pay for gas and God forbid something comes up. I'm never able to save anything and I'm not prepared for an emergency

[@Dagrizzb]

@@ManiacFitness thats definitely not ideal. But,$50 a week is still $200 a month, or $2400 over a year. Better than not having it aside, thats for sure. You just gotta figure out if you can cut costs anywhere in your life.

[@jeepsishumate2021]

they did you just wasnt listening

[@Dagrizzb]

@@jeepsishumate2021 I can assure you, they did not. "Had I known I was going to live this long, I wouldn't have spent so much money." "That's what money is for son, to spend. You can't take it with you when you die." "I don't care if I break it, I'll buy another one." Quotes from dad. No house owned. No retirement fund.

[@Leopardv8448]

@@Dagrizzb thats right easier said than done

[@alienresearchlab]

Restaurants are the killer of your budget. Once I figured out how much I was spending eating out per month, I changed my ways quick.

[@amandadean3948]

Truth! Same here.

[@biancajingles2690]

True! $15 here, $15 there really adds up! Sticking to a budget helps keep that in check.

[@wayward03]

Online shopping....and car payments.

[@michaelwelch442]

Good thing restaurants are illegal now

[@alienresearchlab]

@@michaelwelch442 Yeah. That's one way to solve that budget issue. Shut it everything down. I think I'd rather make my own decisions than have the Gov make them for me though. If they took away grocery stores too I would really save some money! Of course I would eventually die or have to start hunting which is also illegal in most of SoCal.

[@nvictorme]

Food delivery apps are keeping you poor. Don’t be lazy and cook at home.

[@Zeus0886]

Exactly. They charge more on the apps for the food and when its delivered it taste like 💩

[@jc3858]

@@Zeus0886 and usually cold, our delivery drivers are absolute doughnuts, they get lost every time eventhough we live in town and we’ve wasted £25.

[@evelyndaisy9722]

Exactly. I started to place and order the other day and all the extra fees was going to cost More than the food. I cancelled and made me a sandwich . Lol

[@LoverboyB_Pookie]

gotta pay an extra $2 in CA now to use uber eats and the rest of the apps

[@usecriticalthinking243]

@@evelyndaisy9722 lol the fees deter me from ordering sometimes too.

[@BunkMasterFlex77]

Caller: Dave should my 4 year old take karate lessons? Dave: What's his income?

[@sophiabandage3889]

Lol

[@jmiller8678]

😂

[@panagiotisbotonakis2349]

How much do u have in debt?

[@BunkMasterFlex77]

@@panagiotisbotonakis2349 kid has an income problem and his shovel isn't big enough

[@jerrynguyen9895]

Beans and rice before practice

[@timc4409]

I’ve started doing grocery pickup only. That way I can see what my total bill is before paying and if it’s higher than my budget I go back through and remove things I really don’t need. It’s helped tremendously.

[@Mrs.TJTaylor]

That’s a great idea.

[@joecampbell8464]

smart.

[@luvsosa12345]

I'm doing this now

[@mumsstuff2496]

100% i do this, I also make meal plans so that I have a weeks meals out off the items.

[@xenn4985]

Thats... you do realize you have a calculator on your phone, right? You can just do that in the store???

[@christianaalagbe6380]

Don’t go grocery shopping when you are hungry- 💯 Dave🙌🏼.

[@lymarie1974]

Yep I’m guilty of this

[@vildachaya6462]

Too tired to cook after shopping. Ordered out

[@ournextepisode3653]

Order it online and go pick it up

[@jimhandler1129]

Went grocery shopping after eating. Didn't buy anything. Next day, when I was hungry, I looked in the fridge and checked the cupboard. Had nothing to eat. Always go grocery shopping hungry. 🤣

[@Musicienne-DAB1995]

Correct! Have been guilty of this many times.

[@PMackenzie-vw3wb]

Still with Tesla stock, investors can never be sure what will happen next. How do I establish a new set of stocks to buy and watch? I have been reading articles of people that grossed profits up to $250k, what are the best stocks to buy now or put on a watchlist?

[@Mosley-vu7ff]

Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. hence I will suggest you get yourself a financial-Advisor that can provide you with entry and exit points on best stocks to buy now or put on a watchlist. Apple, Merck, General Dynamics, Cheniere Energy and Marriott International are prime candidates

[@Evelina-v3u]

That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though

[@Marilyn-xm7ts]

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances

[@Evelina-v3u]

I don't know if I am permitted to go into details here, but mine is Jenienne Miniter Fagan and you could also look her up though I'm not so sure she's taking on new people atm

[@PMackenzie-vw3wb]

Thanks, her website popped up on the first page immediately I searched her, I read through her resume and seems pretty interesting, so I booked a call to discuss with her

[@MichaelGabreil]

I wish they taught investing at school level. There is so much advantage to doing this! My biggest regret is that I started so late. And still not good at it, I think at this point i need help

[@ClemonSteve]

I'm approaching retirement and having a financial advisor has been helpful. I started investing later than most, so relying on compound interest from Etf's or bonds alone wasn’t enough for me. Despite that, I’ve managed to do well and am on track to retire with around $2 million

[@MichaelGabreil]

@@ClemonSteve I'm currently evaluating my portfolio and could use some guidance. How can I get in touch with your advisor?

[@ClemonSteve]

@@MichaelGabreil I usually avoid making specific recommendations because everyone's situation is unique. However, my experience with Julie Ann Lerch has been quite positive. You might find it worthwhile to see if her approach fits your needs

[@MichaelGabreil]

@@ClemonSteve I looked for the name online and found her page.I will get in touch with her,Thanks for the help I emailed and made inquiries. Thanks for the help

[@DavidEVogel]

When I was a child (about 1959) I watched my father put cash in envelopes every payday. Wasn't long after that he gave me an explanation. If you have a $400/month car payment, every payday put $100 in an envelope. When the car payment comes due, you have the cash in an envelope. Same with an unknown expense such as vehicle maintenance. Every payday put $20 in an envelope. When it comes time to put out $800 for tires, you have cash in the envelope. Tires are not an $800 "emergency." 62 years later I am still using those envelopes.

[@SquidShield]

Everyone could use those lessons from a parent!

[@dontleaveamessage]

It’s called cash stuffing. People post it here on KZbin, it’s so smart tbh

[@EATSLEEPREACT]

Your dad was paying 400 a month in 1959 wow

[@lymarie1974]

Thank you so much for sharing your dads wisdom. I just took a screenshot to remember 💕

[@mattfisher550]

O

[@Friedman323]

At 42, I've come to realize that money is a tool. I’ve worked so hard over the years to realize that if you don’t make money work for you, you can’t experience true freedom. I’m glad I found that out although it was later in life, but that marked the turning point in my finances.

[@Rigbully]

That sounds about right! I also consider myself to be on the right path in terms of my finances because I have enough stashed away for emergencies but can’t boast about knowing how to make it work for me. How are you doing it?

[@Friedman323]

@@RigbullyIt’s obvious that the stock market can be quite unpredictable, but with professional help, I’ve been able to beat this danger and make profit with my IA’s help. It’s not magic, it’s common sense. I invest with Jonas Herman, a pro wealth strategist, in case you are wondering.

[@Christensend]

Do not forget that prices can be erratic, rising and declining quickly, often in relation to companies' policies, which individual investors do not influence.

[@clairewinchestermurray]

I agree, and for that reason I prefer to have a financial consultant like Herman make my day-to-day investment decisions. Given that his entire skill set is based on going long and short at the same time as well as employing risk for the asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis he's got, it's nearly impossible to not out-perform. I've been using him as my financial consultant and the rate of accrual on my portfolio has been positive over the years.

[@Baptisizm]

I tried getting into stocks myself some time last month and lost a ton of money as I was ill-advised. Can you please direct me to him as I’d like to hear from an expert?

[@GodfreyDonald-ue8us]

I realized that the secret to making a million is saving for a better investment. I always tell myself you don't need that new maserati or that vocation just yet. that mindset helped me make more investing.. for example last year I invested 80k in stock, forex/crypto and made about $245k guess what? I Put it all back and traded again and now I am rounding up close to a million.🥰

[@GodfreyDonald-ue8us]

@RoseAngelina-iy5wi Thank You dear🥰

[@MelissaFlett]

I'm curious, what are some of the key factors that you consider when making investment decisions? Do you have any tips for those of us who are just starting to dip our toes into the world of investing?

[@GodfreyDonald-ue8us]

@@MelissaFlett You need a pro that is good at navigating the market.

[@SarahVandella-z6e]

I want to venture into stock, are you saying I’ll need someone to best guide into becoming successful in it?

[@Gsjsgs-p2c]

Trading success always depends on applying the right trade signals to your trade

[@mxerb5912]

You know it’s going to be good when the caller says we have no debt except a car loan and mortgage 😂

[@BornaBlessing13]

😂🤣😩 I chuckled honestly

[@joee3582]

Surprised there wasn't a student loan.

[@RosePigCooking]

Lol I said the same thing

[@JustAName-it5qp]

De-Nile is a river in Egypt

[@dejacordero7016]

I laughed out load when she said that😂

[@ronniemartillo]

Cooking at home, eliminating corner store snacks, and paying yourself every check will get you started. I did this working 14 an hour and saved about 400 extra a month.

[@tommyparkerparker]

Cut out Starbucks every day.

[@Leopardv8448]

Cooking so true pre season meat bag them up bring them out the freezer and cook away.

[@stevensanchez1192]

​@@tommyparkerparker I'm glad I don't like coffee

[@anevabay9771]

What is "paying yourself"?

[@jennyoyster5054]

Corner store snacks 😫😫

[@MrOfficer235]

$6k take home and broke. Unreal.

[@BrownBrown270]

Something ain't adding up.

[@tonytoni1150]

That’s exactly what I said.

[@johnsuggs8810]

That can’t be take home of its 72k per year. That’s gross. Maybe 4500 take home more like it.

[@mustlovedess]

That’s where having kids messed you up

[@johnsuggs8810]

@@mustlovedess right. I totally get why dudes bounce on their kids for a better life. I probably would too tbh

[@BhumaPandhare]

The efficiency of this *TECH SAFE GUARDIAN* is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense access like this so digestible is really something. Awesome work james!!

[@andrewpalacios1363]

It’s beyond me how folks twice my age are calling this show, saying that they are bleeding money. Thank you Dave for coming into KZbin and allowing me to find your content as a teenager ! I’m 26 now

[@xodiark10]

I hear you dude. I’m 30 and wanna make sure I DONT get to that point. Better start now than never

[@LalanKumar-mb5rs]

We need more immeasurably wise and compassionate humans like you on this planet. Thank you for sharing *sentinel Recover* . I bet I'm not alone when I say this video found me at the perfect moment, and there are a lot of things here that I needed to hear right now.

[@estefanyolivas07]

I noticed groceries was my largest expense so I opened a checking account and put a set amount at the beginning of the month and ONLY use that amount for our groceries and this has worked amazing for us. If there is any money left I leave it in there and add less the next month.

[@jasminealexia]

❤❤

[@Rlduncan1]

That’s a good idea!! 👍🏽👍🏽. Every time I go to the grocery store, I say I’m going to be careful how much money 💰 and I wind up spending too much. I’m getting better now.

[@432Tx]

As long as it works for you, but I like the envelope method

[@yolandahooks4739]

Thanks! Good idea

[@parthyadav7054]

This channel is the sole exception where I haven't skipped the promo ads. Your finesse in effortlessly integrating promotional content within your videos is genuinely impressive. Sometimes, it takes a moment to recognize that you're endorsing anything; I commend *sentinel Recover* for your adept execution in this aspect

[@Jelly._.cat._.1]

I make 75,000 a year and have a 1700 house payment, no debt. I used to live pay check to pay check. Then I found Dave and budgeted - now I have a 6 month emergency fund AND I throw 500 to 1000 month extra on the house to get it paid off in 6 to 8 years.

[@markmooserock]

That's great. Keep it up!

[@terryoldridge5638]

@@markmooserock How much do you spend on food a month?

[@terryoldridge5638]

@@Ryaninsanity Thank you!

[@wisdomok99]

How ??

[@wisdomok99]

I have similar situation I am messed up...

[@sorojonimurmu]

Everyone should have a dedicated person like you *sentinel Recover* . People dream of hiring such a talented expert like you. Keep up the hard work.

[@TomikaKelly]

"You're eating your retirement." I feel personally attacked. 😒

[@Intentionaltia]

Lol

[@stanleyfredrick2735]

But yeah.. that’s what a lot of people do these days... instead of investing

[@monsterftw4481]

@@stanleyfredrick2735 True.

[@calissaloricchio3957]

my closest family member had to use like all her retirement and i hate it....i hope i can help her out soon...

[@dirtroadrebel2735]

LOL 😆

[@stephanieroberts382]

" Eating my retirement" Wow something to think about.

[@conureron3792]

I was doing it, probably still do, ...but a little less.

[@leadnsteel1428]

Fast food was my problem... I cut that out make my lunches at home and realized how much I was spending buying fast food

[@stephanieroberts382]

Yes, eating out can destroy a budget.

[@vickieclark5931]

IKR? When Dave says it that way it kind of makes you stop and think.

[@sleepychris3095]

@@leadnsteel1428 this is my problem it’s so hard to change lol

[@ElizabethElijah2g]

I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024

[@SofiaJames9H]

Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.

[@SebastianNoah5e]

Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.

[@RubyOliverm5l]

I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

[@SebastianNoah5e]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..

[@RubyOliverm5l]

I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you

[@JohnT.Middleton-m7z]

As a newbie about to invest, you must have these three things in mind 1. Have a long term mindset. 2. Be willing to take risk. 3. Be careful on money usage, if you're not spending to earn back, then stop spending. 4. Never claim to know - Ask questions and it's best you work with a financial advisor Like Evan Dennis

[@HenryL.thorpe]

so sweet 🥰. I'm a little surprised you mention it here too. I didn't know he was good with so many people too. This is wonderful, I'm on my fifth operation with him and it's been great.

[@Eddiek.needham]

Never Mind if I ask you to recommend how to reach this particular coach you are using his service?

[@ClydeI.Nottingham]

Please how can I get in touch with this Evan? I really need to give him a try

[@JohnT.Middleton-m7z]

As a beginner investor, it’s essential for you to have a mentor to keep you accountable. Evan Dennis is my trade analyst, he has guided me to identify key market trends,

[@JohnT.Middleton-m7z]

He is mostly on telegram....

[@mahdman7130]

Thanks to Dave I recently sold my 2020 Honda civic si i was paying around 380 a month for it, came across his videos of car payments and called my bank to get the payoff and went around to see what my car can get appraised at and got a little more than what my payoff was. Shortly after i bought a 08 camry cash and have been so happy not having a car payment!!

[@Diaryofaqueen777]

I’ve been payment free for a year and I feel so freakin liberated!!!

[@jenniferremy7854]

It does feel like you get a raise when you use a budget, track every expense and you will realize where your money is going. A budget is a must!

[@QueenStylin]

Yes! As soon as I used the budget app I didn't realize how much extra money I wasted. And because of that I finally was able to buy my first washer and dryer. I always thought I didn't have enough money to get one.

[@MEDANNY20]

@@QueenStylin Which budget app do you have?

[@QueenStylin]

@@MEDANNY20 every dollar

[@littlesongbird1]

I agree 100% I budget and track my expenses and it's amazing how much money I save now.

[@43Steelerss]

when I budget I realised I have to much bills/expense for my incomes. not to mention I was spending 800$ a week on coke and 200$ on beer 50$ on dip (tabacco) no groceries but 1000$ months on mortgage 1500$ a month on debts and 800$ of gaz per month with all the electricity bills that I didn't paid, my phone that didnt not paid but I was workig 80hrs a week. I thoughts drugs and alcool was the problem in my finance but I realised I need to leave 800$ per pay in my bank account before any personnal money. without overtime hours thats what I make...

[@juliosierra230]

“ I was doing to much stupid in grocery stores and restaurants “. Boy I felt that 😳

[@jesseenixon]

i def do stupid in grocery stores. Thats my spot

[@globalmuffin2]

@@jesseenixon not keeping the refrigerator clean makes me throw away a lot of food.

[@lydiah7184]

He was talking to me 😬

[@girlmeetskingdom]

That’s me🥴😩

[@dorkultra]

this guy's deep voice is mindblowing, could listen to him all day

[@jimhandler1129]

He doesn't work for Ramsey anymore

[@johnwalker6393]

@@jimhandler1129 why not?

[@jimhandler1129]

@@johnwalker6393 I don't remember exactly, but I believe it was something to do with ethics.

[@krystalharper6336]

What helps us with grocery shopping is shopping online or doing curbside pickup. You get to see exactly how much you're spending before you spend it and can delete and add groceries according to your budget. It has definitely helped us. When we go to the store to shop, it always amazes us how much more it can be versus doing it online.

[@littlesongbird1]

I love shopping online and doing curbside pickup. I saved money because I was no longer doing impulse shopping while at the food store and yes: it helps you to be able to see the total.

[@kendolynow]

Yesssss! I've noticed that as well. I use Target pick up. I really think hard about if it's worth buying or not when online grocery shopping compared to in-store.

[@carlostosado8965]

I’ve been doing this and it’s great!!! I also don’t have to spend hrs at a dam store. I tell my boomer mother in law to do curbside pick up she tells me that’s just lazy!!! I laugh that’s why your 60 and refinanced your home several times and owe 120k on it and you got it for 70k. I will not take financial advice from you

[@Leopardv8448]

I noticed that tooo

[@theginjaninja3606]

@@kendolynowi dont know if you are from the midwest, but we have a store called Meijer where over here that does shop and scan, so as you shop you have to scan every item and it totals it out for you as you go, and it really helps to show you how much you spend. But on too of that it clips coupons for you as you go and then you just scan your phone at the end! Its amazing, using the tool more has saved the pennies to make dollars 🤌🏼🤌🏼

[@_d4r1o_22]

Groceries, eating out, online shopping, and random purchases is what adds up!

[@Hellenicheavymetal]

yep and cigs if you smoke, alcohol if you drink.

[@cynthiawilson5066]

Exactly

[@bobbymarm9978]

Food is our big hole, cook at home folks

[@user-td7xf3gz4l]

Nah

[@stayathomemarine]

@@user-td7xf3gz4l what's your net worth

[@jojachow]

Foreal. Ubereats is like $15+ per transaction..... Imagine spending $15 at the grocery store instead, thats a lot more food

[@mbank3832]

@@user-td7xf3gz4l what’s your household income ?

[@bellavie1506]

😢

[@TinaMyles]

Dave Ramsey's insights have been a game-changer for me! His practical approach to financial management has empowered me to take control of my money and work towards a debt-free life. The Total Money Makeover is my go-to guide, and I appreciate how he breaks down complex concepts into easy-to-follow steps.

[@genxx2724]

My colleague and her husband needed to move up from a townhouse to a house, but couldn’t afford to. She told me her husband went out to lunch with his colleagues every day. It was expected. They usually weren’t going to expensive places, but it still adds up. She and I brought our lunches every day and only went out for special occasions. I got onto a mortgage calculator and showed her that her husband was eating the difference in payment between a townhouse and a house. They reconsidered and soon bought the house their family needed.

[@partapSnagada]

Awesome work, *TECH SAFE GUARDIAN* ! It's so satisfying to see you putting in the effort to stop those shady characters. Protecting the public, especially the elderly, from those despicable con artists is crucial. You truly deserve recognition and appreciation for keeping us secure. I'm thrilled for you because you're my sibling. Your accomplishments definitely make you a strong contender for the Nobel Peace Prize. Keep up the outstanding performance!!!!!

[@vking7889]

I LOVE the whole thing about the grocery store! - Like Dave and Chris said, we all know that restaurants will eat up your money, but when I started doing the Zero-based (or "Every Dollar") budgets, Dave's budget... I was SHOCKED at how much money I was spending in groceries for me & my teenaged sons. And this caller kept saying "about this much". Knowing EXACTLY how much is key!

[@michaelcranston5277]

A great point... during this pandemic, not going out to eat made me feel like I got a raise. I learned that I was spending too much at restaurants. Thanks Dave... keep doing what you do!

[@shreyaaich63]

Cuando amas lo que haces, harías cualquier cosa para recuperarlo como tu cuenta y tu comunidad, es como una metáfora de ser tu padre y el canal y la comunidad tus hijos haciendo todo lo posible para recuperarlo, gracias *sentinel Recover* por todo y danos un ejemplo de que luchas por lo que amas

[@monarene44]

Other parts of the budget people lie about are: shoes, clothes, cosmetics, alcohol, and pet expenses. For every dollar spent on groceries they might spend four dollars in those other categories. $72k a year can evaporate before your eyes.

[@wayward03]

I know someone who can't keep a balance on three times that money and they live in Phoenix....you can always spend more.

[@John_Lukas]

If someone makes $72k a year and can’t invest some theyre just irresponsible it amazes me how someone can make $70k+ yet have no financial literacy

[@wayward03]

@@John_Lukas tons of jobs pay that, doesn't automatically mean you are good with money. It's very easy to spend 100% of your income

[@littleone3357]

Don't forget the cigarettes and lottery. Then the alcohol added to it.

[@jenniferi.4385]

@@littleone3357 you forgot tattoos. The 'poor' people always have money for more tatoos.

[@MargaretOlivia2u]

Investments are the roots of financial security; the deeper they grow, the stronger your future will be."

[@EmilyVanessa5m]

The deeper your investment roots, the stronger your financial security will be in the future.

[@ChristopherJeffreynx8]

Exactly! With my adviser, I’ve cultivated deep investment roots, strengthening my financial security for the future.

[@JosephEricx2y]

I would love an introduction to an adviser who can help me strengthen my financial roots.

[@ChristopherJeffreynx8]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.

[@JosephEricx2y]

Thank you for this amazing tip. I just looked the name up and wrote her.

[@theburnetts]

I know that when we changed to using all cash and putting the debit card away it changed things for us considerably. When we took out cash each week and put that money in envelopes we ended up spending less money. There is something about using cash for your weekly expenses (food, gas, entertainment, etc) that just makes you pay attention to it more and be more intentional about how you spend your money. I highly highly recommend moving to using cash for everything (as much as you can).

[@ajsadventures8706]

What about for online purchases?

[@theburnetts]

@@ajsadventures8706 well we try to avoid those as much as possible. But when we do have to make an online purchase or we have to used the debit card for some reason then we will take cash out of the appropriate envelope and set it aside to “cover” the debit card purchase. For example if we spent $30 using the debit card on entertainment then we will take $30 out of the entertainment envelope and set it aside. Then next week when we get out our weekly cash we just take out $30 less and it evens out. Kind of a pain but it works.

[@evelinholmes6401]

Corey Burnett what ever works just stick to it.

[@Bertuzz84]

But it seems kind of like going back to the past to start using cash again. I mean these days payments are done by just putting your debit card against the machine. Its so easy that you rarely need a pin code anymore. It's like going back to the time when we used paper notes and coins to pay.. seems really weird. Although most places do still accept cash.

[@kaitlynthomsen6770]

I feel like I spend more when I use cash tbh. I want to use the cash method but Im terrified of spending it all. Lol.

[@lkj0822g]

A few years ago, when I was wanting to lose some weight, I began looking at the "unnecessary calories" (sugar in the tea, soft drinks, cream and sugar in the coffee, etc.). Same way with budgets - look at the unnecessary expenditures. As Dave and Chris mentioned, eating out is a huge budget killer. Start logging every time you go through a drive through, it might surprise you. Finally, let's talk about a huge expenditure that many are guilty of - their cable, internet, and cell phone expense. I guarantee you many households spend $500-600 or more per month on those three things.

[@rosauragarcia3202]

I've never paid cable. Dad set up an antenna and converter box and most smart TVs these days you can see the local channels. A streaming membership at $14 isn't bad. I'm gone for most of the day to work so not really needing tv so much.

[@thesleepy0wl350]

That grocery list tip is so true. I go in for some bread and juice, and come out with $60 worth of cheese for a sudden late-night charcuterie board.

[@whatsapp7930]

Thank you for your comment much appreciated, Be sure to leave a message on the line above 👆 👆 for more helpful information,complains and investment guides 💯💯💯 ⬆️⬆️.

[@tharlove119]

There is no doubt that you will rise fast at the apex of your career *TECH SAFE GUARDIAN* . Because you are a very intelligent, smart, hard worker and your work ethic par excellence. Keep going People like you take the IM out of IMpossible by becoming PRO at tackling PROblems. You Rock!

[@LisaMandyfestus]

Your videos have been great!! I am part of your viewers and I’ve been watching your videos lately. I’m interested in trading but I still can’t figure out the right trading to engage in. I’ll any help out here.

[@KimRobert-]

Yes, it’s true, there’s been a lot of talks about investing lately, but I’m new and also curious how I can get started. Can anyone explain how to invest and how to get started?

[@DukeThomasGeoffery]

In my opinion, investing is not about getting rich but about gaining financial independence. I rely on strategies from a source that ensures my monthly dividend

[@KimRobert-]

@@DukeThomasGeoffery How can I connect to your source for success tips!?

[@DukeThomasGeoffery]

Mrs Diane Davis

[@DukeThomasGeoffery]

She’s on Telegram

[@MarcelMcGowan]

just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.

[@McKnightCutkosky]

Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge

[@RosadorcasSladeWiggins]

Very true, despite having no prior investing knowledge, I started investing before the pandemic and pulled in a profit of approximately 950k that same year. In reality, all I was doing was getting professional advice.

[@adelineChulack]

how can I participate in this? I sincerely a secure financial future and I am eager to participate. who is the driving force behind your success?

[@RosadorcasSladeWiggins]

I'd say a little due diligence on "Dianne Sarah Olson" truly exceptional.

[@MonaghanMLOUISE]

thanks for tip, it was easy to find your coach, did my due diligence on her before emailing her and she seems proficient considering her résumé

[@dylanlyons6]

It’s amazing how dining out is such a big thing in the States. It seems to be something a lot of people do weekly, even daily! Not so much in Ireland. It would have to be an occasion or outing of some sort. Just a random insight into cultural differences😊

[@whereschloevids]

That is interesting! How do restaurants turn profit? Also does going to pubs count as dining out?

[@dylanlyons6]

@@whereschloevids restaurants do okay tbh, usually they’re at their busiest in the evenings, but overall they seem to survive. And no, that does not include going to the pub, although tbh that’s something which is also dying out in Ireland - pubs aren’t what they used to be outside of the major cities/tourist spots

[@whereschloevids]

@@dylanlyons6 That’s too bad about the pubs. From what I know about them, seemed like a nice tradition. The way I grew up (in a major US city) we’d do family dinners out 1-2x/wk at least. (Like Friday night, then Sunday after church.) That habit increased when I was at university (funded by my parents haha), then dropped to once a wk dinner or brunch wi friends when I was a poor post-grad. Once my income leveled out it went way too high, like 4-5x. Too unhealthy and expensive. Now I’m more measured. But I don’t ever remember a time in my life where eating out didn’t feature prominently. It’s like a given here. Since pandemic, that’s just been replaced by ordering takeout

[@SippenSomeTea]

I can tell a difference from living in a rural area and a metropolitan area here in the US. Some family who lives in a city environment eat out 1-2 times a day! I eat out several times a month and have begun to cut back - thanks to Dave

[@bev7236]

@@whereschloevids For the past 20 years, I cook every day but Sunday. We rarely eat out, usually just on vacation. I was actually surprised to realize a few years ago that I'm rare these days 🤣. I love knowing what's in my food and knowing I'm feeding my family high quality food. And yes, I'm in the US.

[@amandadean3948]

When I first learned to budget-how much I “thought” versus how much I was actually spending on groceries/eating out was a huge eye opener!

[@Red_1976]

Me too!

[@davidisaback7010]

Dave Ramsey is 100% correct on a grocery budget! My wife and I go to the grocery store together and we use a list and ia calculator and as each item goes in the cart it's added up. As we started this, it annoyed my free-spirited wife as I am the nerd of the family nd love detail but now we both see that TOGETHER it helps and now it's a normal way of grocery shopping. The numbers do not lie.

[@cryptolove3766]

D/i/a/l/f/o/r/m/o/r/e e/a/r/n/i/n/g W/h/a/t/s/a/p/p me + 1,/9,/8,/0,/3,/0,/0,/4,/5,/3,/4

[@MarleneMotivates]

"You can't manage money in the rearview mirror" Dave I love how simple and profound that statement is.

[@Je.rone_]

Spend less, increase income...most "Necessities" aren't so or could be had at a lower cost

[@judyjohnson9610]

Just add delayed gratification and that's in a nutshell, friends

[@faxoxo2306]

Moneyology really 😂😂😂😂

[@peartfaldo]

if you work more you cant spend. so you are making more and not spending---double win. people spend when they are bored. you should NEVER be bored if you have debt. GO WORK and pay it off.

[@PutEmInTheBox]

Been eating out and getting takeout more than ever during this pandemic! Gotta reel it in. Three kids home from school all day. Mom helping teach the little ones. Nobody feels like cooking. It’s wrong but sanity for us has been going to a local restaurant. We committed to changing that in this new year.

[@stevensmiddlemass2072]

I started stacking to SAVE wealth. I've always been the type of person to spend my entire paycheck. I hate having money just sit in the bank. I am under pressure to grow my reserve of $950k. before I turn 60, I would appreciate any advice on potential investments.

[@Curbalnk]

Firstly, You could lose it all and you could win it all. It goes both ways. Second, what works for A may not necessarily work for B and you should not be a bandwagon investor. A good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge.

[@velayuthman]

@DylanShultz That's impressive, my portfolio have been tanking all year, tried learning new strategies to gain in the current market but all of that flew right over head, please would you mind recommending the Advisor you're using.

[@velayuthman]

@DylanShultz Thanks for the info, i found her website and sent a message hopefully she replies soon.

[@XRP_LIVING]

@@velayuthmanhas she ever replied? as I would like to know if her strategies work

[@nick9396]

Eating out should be a treat. There's so much you can cook at home, even doing box meals that come to your front door. Have breakfast at home , make your lunch you will be surprised how much you save

[@ankitgeming1653]

Thank you, *TECH SAFE GUARDIAN* . Your presence has made this entire process much more comfortable, and I am truly grateful for it. Working alongside you is a pleasure, and your dedication to your role serves as an inspiration to me. I will always remember the help and support you’ve provided me with.

[@shola7987]

Going to the grocery store on a full stomach will make you get home and be mad you didn't buy any snacks lol

[@raallen1468]

And, then... I return to the grocery store to load up on my favorite snacks! 🙄🤣

[@ShadaeBalancesKnightAstro]

@@raallen1468 😂 the very next

[@diesel2x]

Amen

[@lisanorris7436]

I started doing a spreadsheet for groceries, breaking down by categories. It's given me a clear picture of what needed to be trimmed back. At the moment if I have any grocery money left I put it in a grocery slush fund so that when an item we use all the time comes up on a half price special I've got that bit extra cash to stock up with. It's helped us a lot while people were going nuts during the lockdowns.

[@evehg117]

So true regarding the grocery costs. I was on a “budget” and I basically took eating out completely off that list. But when I went grocery shopping, I would overspend, thinking, “Hey, at least I’m cooking and not eating out so why can’t I buy these pre-cut vegetables to save myself a bit of effort?” A few months in, I realized I’m basically spending whatever I was spending on restaurant into groceries.

[@payalpandit6951]

I just wanted to say thank you for sharing this. Because you're right. The worst thing that you can feel is hopelessness. And I hope that someone who is on the verge of losing hope finds *sentinel Recover* and realizes that as long as you're still alive and breathing, there's a chance, there's HOPE that the future is brighter then the present day.

[@PraveenGurjar-qx8ep]

Hey ppl, I'm a retired computer/IT person, Yet I still find *sentinel Recover* so informative and straight forward. Thanks for your advise and helping the people...........Great work and love watching.

[@1862anthony]

Just discovered this guy Dave, luv the wisdom, real life wisdom. Subscribed & sharing & doing everything I can to implement his advice.

[@teresaevans4840]

Me too now debt free because of his advice.

[@mayharmon6948]

I am not overly stringent with my grocery list, because being in the store reminds me of everyday purchases I honestly need to make. I also sometimes see a bona fide buying opportunity; as long as it's a staple in my home and on a genuine discount there's no reason not to buy.

[@terrietanner8503]

Gardening helps with the grocery budget!!

[@RamonaRamona-ow7mt]

I'm in my 50s and I'm more interested in investments that could set me up for retirement , I mean I've heard of people that netted hundreds of thousands during these crash, I listened to someone on a podcast who earned over $650K in less than a year, what's the strategy behind such returns?

[@EsmeraldaEsmeralda-w]

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@EsmeraldaEsmeralda-w]

MEGHAN MAUREEN KRISTENSEN is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@RomeroCarmen-4]

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

[@psoteriou3884]

Scammer.

[@AndrewPL5]

I will never understand how someone can be making that much and not know where their money is going and always broke/in debt.

[@AntwanAhmed]

It takes WORK nothing great is achieved without putting the WORK IN FIRST!! You can’t wish it to get better you HAVE TO TAKE ACTION!! 💪🏽 💪🏽

[@scholarshipchair9367]

Tru that

[@jakevote8978]

Chris and Dave is the BEST duo on the show

[@jakevote8978]

Update: This did not age well.

[@TheHoriginal]

Sad 😞

[@AmanJatav-fq2dr]

*TECH SAFE GUARDIAN* hard work brings positive thought

[@itsascaryworld9788]

Spot on! Exactly what I needed to hear. I started to check my spending at the grocery store and noticed that’s where all my money goes. Thinking you’re saving by not going out to eat, will make you over spend at the grocery store because you think you have a menu laid out for the week but moods and cravings change. Also, never go grocery shopping while hungry. You will always end up buying something you will end up throwing out. I was spending about $300-400 a month just on groceries a month alone. All because I thought cooking at home is cheaper which it is but not over buy too many groceries.

[@RameshKumar-vo8fg]

The efficiency of this *sentinel Recover* is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense taccess like this so digestible is really something. Awesome work *sentinel Recover* !!

[@briannaje5419]

I bring a grocery list. But most times I know exactly what i'm going to be spending so I'll bring my budget for that trip in cash. At the register only cash comes out.. no card transactions.

[@Jon-ko3vv]

Thanks to Dave I went from 18k in debt to 9k in a few months and on schedule to be done by January.

[@kitanyaedward6722]

Done?

[@Jon-ko3vv]

@@kitanyaedward6722 yep

[@JoseMora-wc5zz]

I’m gonna retire a millionaire. And when Dave is long gone.. I will look back and thank him. It was him that got me to where I am now with my Roth IRA, and it was him that helped me get my financial standings in check. I’m a custodian by the way.

[@govegan562]

how do you plan on becoming a millionaire? genuinely curious

[@Collusion10]

By the time you retire $1 million will be pocket change for us think again

[@somebodysomething4242]

Dave’s plan from start to finish guarantees most people will be millionaires in about 10-12 years. Listen to his advice and follow his plan.

[@somebodysomething4242]

He didn’t say he would only have one million. Is he’s starting as young as he sounds, he’ll have several millions. And even if it was one million, it will be “pocket change” most people won’t have. You people screaming *only* a million always make me laugh.

[@jorgefloyd6989]

Grandpa Biden will take that away.

[@RohitkumarRohitkumar-ky7nl]

We need more immeasurably wise and compassionate humans like you on this planet. Thank you for sharing *sentinel Recover* , James. I bet I'm not alone when I say this video found me at the perfect moment, and there are a lot of things here that I needed to hear right now.

[@MarkJones-yu1rs]

Seriously, why is no one discussing '25 money secrets from Donald Trump'? This forbidden ebook is a goldmine of knowledge that can change your life.

[@mtrichie111]

You racist !

[@joshuasimpson6494]

When Dave said “Oh my God!!” I almost dropped my phone. 😂

[@TheHoriginal]

Ya that was out of line. God’s name is holy.

[@timmartin723]

"We're eating our retirement!" Funny but true! A lot of people are guilty of this! Look at each receipt no matter how small it is.

[@KJEThompson]

I LOVE when Dave angrily and dramatically hits the hang up button! ☎️

[@shannavaught8020]

Thank you Mr. Ramsey for all you do helping people get out of debt. I am trying the snow ball and I can truly say it works. I have a total 80,000 debt which includes: student loans, 5 credit cards, and two small loans. I’m coming out of debt by using the snow ball. My debt is shrinking and I’m so grateful for the Dave Ramsey show.

[@mayharmon6948]

Some ready-to-eat grocery store food is quite expensive; as much as a restaurant might be. Frozen pizzas seem less expensive, but they're small as well so you need two if you have a family and it's not all that much cheaper in the end. Homemade pizza is not hard at all if you use an easy sauce and pre-sliced cheese. I can do it (making my own crust) with less work than pick up, and only a little more than delivery (while delivery is probably 8-10 times the price when you count the tip). Certain fast-food choices are probably pretty affordable if you don't overeat, but they are also quite unhealthy, so that costs megabucks in the long run. For the same price, you could cook very healthful and delicious meals at home for only the same amount of effort as driving to the place and waiting in the drive-thru.

[@Pola509]

I told myself I was going to budget $400.00 a month on groceries...the bill for this month so far is at $523.00. However the next grocery visit will be in February. So I'm over budget, however I am tracking it. Dave and Chris were right on the money with this one. Thanks!

[@TheHoriginal]

Oh my 😳

[@SurajKumar-ep2cr]

It’s a pleasure to work with someone who knows how social media ethics works and inspiring work spirit *sentinel Recover* . I’m glad that a position opened up for you that is a great next step in your career. You will never find out your real worth until you give life your best shot. Work hard and give it all you’ve got. You will find more success than you had ever thought.

[@ChosenDeeDee]

It is so true, I find myself always going back to my budget to adjust grocery budget. Now I have a better strategy. Thank you Dave and Chris!

[@zbennett1720]

I’m a married man with one toddler and one on the way! I’m making 24k a year and investing and saving for retirement, and saving to pay for a van with cash. Completely debt free. I cringe when people come in here calling in making 50k+ a year and complaining. Bruh..

[@caprinathomas3481]

Amen to that!🤣🙌

[@krizzalid99able]

Yeah I make 50 k before taxes in Texas but in Cali I would be struggling

[@PatrickGotHands]

You summarized my life I make 22k a year and I have more saving than my friends and they make 100k a year. I tell them I'm always broke so they never invite me to expensive hangout unless they pay for me cause I can't afford it ! (One big emergency and my money gone)

[@R.Ramnauth]

That’s amazing! Where do you live? I’m in NY so everything here is very expensive.

[@kamaliancirranoush1916]

Cost of living is pretty high in Alaska where the caller is from

[@AmrakMarak]

Thank you, *TECH SAFE GUARDIAN* for consistently being so approachable and open-minded. Your friendly demeanor and willingness to listen and understand serve as a constant source of motivation. Your support and guidance have been especially meaningful to me during the recent account issue I encountered.

[@KMF3]

I have been doing A budget for 40 years since I was 17 and I have to say that I'm not impressed with Dave's budgeting app. I do a spread sheet. Before computers I wrote it out on paper. I'm gotten more sophisticated with it over the years. But I have never found a budgeting system that I liked other than my own. I'm not trying to be bragging I'm just saying that not every system fits every person. So you have to find the system that fits for you

[@auroramothergoddess]

Any tips or ever think about sharing your budget plan

[@KMF3]

@@auroramothergoddess lots of tips. Too much to put in a comment

[@GaelinW]

That's the key. Find the system that works for you. The point is to budget.

[@granados1990]

Please share these tips... 👂

[@KMF3]

@@granados1990 I would love to but not sure how. Comments are not the right venue

[@djpuplex]

Second jobs as CNAs on the weekends would solve alot of those problems doubles on Saturday singles on sundays 36+ hours second paychecks and a budget life changing.

[@jutde]

They have at least $3k per month in wasteful spending, a second job isn't going to mean squat until they get that figured out.

[@greaterishe7197]

I am working PRN as a CNA right now to pay off debt. Will be 90% debt free by the end of the year. I don't do much else right now because I'm working so much, BUT to see this credit card debt, car payment and personal loan go away, ITS WORTH IT!

[@talktimewithchar3244]

I spend waaayyy too much eating out. My wallet and scale hate me 😩. I need a strict diet.

[@1.5Koreans0.5American]

How I stopped living paycheck to paycheck: got laid off

[@jdi5909]

😆😆😆

[@G-bit88]

Loll

[@anaiyasmommy1]

I’m sorry to hear this. I hope your employment and/ or entrepreneurial outlook improves soon.

[@hegemondtm]

@@anaiyasmommy1 it's a joke

[@offroadvehiclelover]

Funny the first time but you just spam, heard it before in other vids on this channel from you.

[@kay22100]

We were spending sooooo much at restaurants before Dave. Close to $700 a month. I could not believe it once I sat down and looked at bank statements

[@lisabassett-vp2wx]

My family do not eat at restaurants. We write down mortgage amount, electric bill, gas bill, garbage disposal, water bill, car payment, car insurance, etc. I don't go to mall, I don't dye my hair, I eliminated manicures and pedicures. I unplugged lamps when not in use, I unplugged microwave when not in use, got rid of cable TV, got rid of gym membership, canceled subscriptions, I make my lunch and drink and pack it to work. Yes, changed my lifestyle. All my credit cards are paid off and canceled. Last car payment next week and emergency fund 1k in savings. Next going to focus on Baby Step 3.

[@EnterTainment-vv1qs]

Good for you Keep going

[@stephengarrison8027]

cant believe you unplug the mico & plug it back in everytime you use it!

[@EmmyPierz-ek7hi]

@@stephengarrison8027really dumb, right???? CB

[@ianmowbray3284]

Stop buying stuff,simple.

[@TheMopar97]

Serious!!! Just stop buying! It’s easy. Wake up, work, eat, sleep and do free stuff in between. Not hard at all.

[@TheHoriginal]

Yaaaazzzzz Ian

[@MandyGood]

I go to the library for my entertainment

[@Ez_Ukulele]

Become a minimalist!

[@sami-9233]

You gotta live

[@TheQuietSoul2]

so true that's all I know life of a minimalist

[@evelinholmes6401]

Sami - as a minimalist you are still living you just live with less and better.

[@poloboycarey1]

@@evelinholmes6401 I'm trying to adapt that concept

[@alexs3187]

Even better, become a minimalist with a high income.

[@John-bd9fj4435]

For me, I believe retirees who struggle to meet their basic needs are the ones who could not a lot of things. My wife and I both spent same number of years in the civil service, he invested through a wealth manager and myself through the 401k.accumulate enough money during their active years to meet their needs. Retirement choices determine We both still earning after our retirement...

[@John-bd9fj4435]

my mentor Jenny Pamogas Canaya..

[@greaterishe7197]

My goal!

[@ashleynichole0624]

Y'all have inspired something deep inside my soul I needed today. Thank you so much for literally peeling my eyes open on my own habits.