I Just Want To Spend Money and Struggle With Budgeting!

[@TheRamseyShow]

Say goodbye to debt forever. Start Ramsey+ for free: bit.ly/3w15GxH

[@gojereme]

My life changed when my wife and I created a vision for our life. It’s easy to say no when you know what you value and where you are headed.

[@fedxiii]

Our oldest daughter has the same struggle. She wants what we have now without doing the work we did to get here. She will be 29 next month.

[@brentrmc123]

@Wiliam Forsythe ?????????

[@axelfoley1812]

@Wiliam Forsythe 🤔

[@SnookOnTheFly]

Sounds like my wife.

[@barbieblue3336]

@Wiliam Forsythe lol

[@between_the_lines12]

We all want to spend money without worrying about it, and but it all comes down to your priorities in life

[@musicpro7278]

I'm glad with the way I think lol I dont like spending money I enjoy seeing my money grow. I started with nothing so ima be excited when my back account says 100k by next year

[@blackworldtraveler3711]

I always spend money without worrying about it but it’s just things like normal living expenses,buying organic, simple pleasures, world travel, paying cash for car and and beach home,early retirement, nine year mortgage on primary home,etc..which were priorities in my life. Debt free and no financial issues. I don’t buy to impress people so no new car debt,stupid big homes, and materials things collecting dust. Even my neighbors don’t know I’m early retired a year ago and spending the summer in Europe.

[@twincherry4958]

@@blackworldtraveler3711 wait...what?

[@donaldlyons17]

No I think he want the stuff more than he was more money later!!! Some people want stuff now and not more later. And in this callers case he seems impatient too!!!! Your quote: (We all want to spend money without worrying about it, and but it all comes down to your priorities in life.)

[@daelkolwitz3509]

My ex blew most of our money buying things because her parents had it. She had no perspective that it took them 30 years to accumulate it, not 30 weeks.

[@twincherry4958]

And here...still talking about her

[@startingtech3900]

ex... great job bud move on up!

[@daelkolwitz3509]

Oh I moved on and up.

[@startingtech3900]

@@daelkolwitz3509 awesome bro let’s gooo!

[@hektaah]

@@twincherry4958😂

[@georginahatch3244]

Emotions do not pay bills

[@jenniferleigh1674]

Nope! It puts you in debt. For me It did, atleast

[@TheeMrsChampion]

Sit down with your fiancé and dream. Talk about all the things you want to do in the future. Then make a vision board and hang it within everyday view. Then every time you want to buy something unnecessary, go look at that board. Keep reminding yourself where you want to be!

[@startingtech3900]

i like that but that is so cringey tho

[@dangerchcovich7249]

When people have a void in themselves, they try to fill it with material things. Find fulfillment in what you do everyday and you won't need to go on a spending spree every chance you get

[@devinhawkins249]

This is very true I went through this myself. Luckily I snapped out of it

[@Mercedesbentyeah]

That makes sense

[@MrMlbfan6]

Depends boss

[@blackworldtraveler3711]

I’ve always lived within my means,saved,and invested avoiding debt so all of that is stupid to me. No money worries and buy what I want. I’m just not financially stupid. I’m more into memories and experiences from traveling the world to something as simple as a cup of fresh hot green tea or good book.

[@joshduehr2898]

Sacrifice and hardwork are the backbone of success.

[@winston3737]

Doesn't hurt to have some generational wealth though

[@joshduehr2898]

@@winston3737 true, but you can't guarantee it.

[@blackworldtraveler3711]

@@winston3737 In my family avoiding generational debt and having early retirement as family tradition is enough. No financial issues. We don’t have to be dependent on one another.

[@christinebutler7630]

The finer things....electricity, running water, shoes....

[@franktesta1231]

Now that is funny but so true. Funny how the truth will set you free. Good stuff

[@RusskiCommieBot]

Live way below your means. It is the American way our great grandparents lived. The greatest depression is just beginning.

[@gregoryking4796]

Always prepare as if it will be regardless of if it actually will be. That way, preparedness is as close to guaranteed as can be.

[@blackworldtraveler3711]

Not living below means. I just live within my personal means with zero debt.. Don’t need to stoop low financially like that. I’m spending the summer with girlfriend in Europe using cash. Better and a lot cheaper than payments on a car that’s parked unused 20 hours a day. People create their own depression,drama,fear,etc..and watch too much media.

[@markg999]

@@blackworldtraveler3711 Sound like your doing it right. Good job.

[@mattschmitt9924]

@@blackworldtraveler3711 Didn't you recently say that you received an inheritance that made all of that possible?

[@blackworldtraveler3711]

@@mattschmitt9924 No I did not.

[@debtfreetip4100]

Having a plan is important.

[@gregoryking4796]

Stop. Caring. About. Materialism. We are all worth more than what we buy.

[@dedalliance1]

Alright go be homeless lol.

[@gregoryking4796]

@@dedalliance1 I was once. I dug my way out of it. I appreciate your constructive input though.

[@dedalliance1]

@@gregoryking4796 So you became materialist for a house? Bro you're worth more than that!

[@JungSooLeee]

I am not materialistic but I love Corvettes

[@nickm9102]

There is a balance that needs to ne achieved. Materialism is a motivation to work hard and responsibility makes you realize your desires are tempered by your work.

[@Je.rone_]

Wise money management is mostly mental

[@miriamstrauss]

*We all want to spend money and not to care about a budget, but unfortunately the greatest successes and stability in life can often come from learning how to delay gratification! You have to think about it as getting to live your dream life, just in another few years! It will be that much better for the fact that you earned it responsibly!*

[@p.k.hathorn8133]

Spot on!

[@melancholymuse9759]

What she said!

[@CommodityTrader999]

Love how you elaborate this!

[@donaldlyons17]

I don't know why the caller would have a hard time with delayed gratification if it was just a few years away. You sure in his and his wife's case the life they want to live is not 20 -30 years away? I suspect that a lot of people will end up poor because the life they were looking for took more that one lifetime to reach just saying!!! Your quote: (We all want to spend money and not to care about a budget, but unfortunately the greatest successes and stability in life can often come from learning how to delay gratification! You have to think about it as getting to live your dream life, just in another few years! It will be that much better for the fact that you earned it responsibly!)

[@startingtech3900]

do you own strauss family creamery?

[@wzk6444]

Same here. Watched my parents struggle for years and finally being in a good place financially. I want to get there earlier too that's why I'm working hard and living frugally. I don't understand how buying expensive things can get you there early.

[@blackworldtraveler3711]

My parents didn’t struggle at all. They just lived within means,saved,snd invested without getting in debt. They bought a home and had kids they could afford to raise properly. Myself and sisters had no issues either. Never in a bad financially place living within means,avoiding debt,saving,and investing. Don’t know where this “struggle” always come from unless you’re already in deep debt and paycheck to paycheck already. “Struggle” is voluntary and not mandatory.

[@sadkfjasdkl4543]

3:40 this is exactly right. A few months ago I became committed to being debt free asap so my kids can have a better life than I did. Since then I have cut my monthly expenses by over 50%. When you have your why, you will overcome anything to get there

[@genxx2724]

Wow, it sounds like you were wasting a lot of money! May I ask what you cut? Good for you!

[@sadkfjasdkl4543]

@@genxx2724 I’m pretty sure I was able to cut or decrease every expense I have. rent, bills, subscriptions, food, transportation. Also doing things like getting a job judging restaurants so I can eat for free most nights.

[@raymondcunanan1135]

They just need to find happiness in simple things and everything else will follow. Thinking that expensive things can give us happiness is what makes us fall in the trap

[@franktesta1231]

Trap is the keyword, traps are made to look good to entice you into them. Hunters trick animals with traps and it works. We need to think on that mindset that there are bad people and bad things in this world that wants to trap us and trick us into the traps.

[@Ирина-и8щ3м]

I haven't been on a vacation for 3 years because I have a mortgage which I am trying to pay sooner. And when my friend go for a trip to some fine destination, I have a trip to a place called "side hustle".

[@DeedsReadz]

I struggle with this too, and I know that the media I consume fuels it and that I need to avoid it at all costs because it’s just going to keep me unhappy and stuck.

[@ohmyboop3172]

They keep saying the word motivation. It isn’t about motivation, it’s about discipline. Motivation fades, but discipline stays with you.

[@warikplaya]

Discipline also fades. Nothing is fade proof unless you keep working on it.

[@samuelramirez4774]

That’s because that’s all these “motivational speakers” sell.

[@Anna_Bruno97]

Don’t you have to be motivated to be disciplined? 👀

[@eliocosmos]

@@Anna_Bruno97not necessarily. There are days I don’t feel motivated to go to the gym because I didn’t sleep well or I just plain want to lay on the floor all day. But I still make the choice to go because I know I’ll regret it if I don’t.

[@joanoliver9880]

Irrespective of what you do, a cash flow system that earn you giant income is necessary

[@phillipliam3725]

It's important to have different sources of income

[@adreajones4654]

Many become millionaires investing

[@lawrencewilliam3996]

I earn maximum profits investing with Barry silbert and his platform

[@mr.andrenader641]

He made me 3.1BTC from 0.1BTC

[@prof.ryanbauch1127]

I've read and heard lot of testimonies about him

[@ricardocampos3507]

If you have free time to look at things that you can’t afford then you have time to grind and make more money so you can afford those things. I find what helps me out is finding hobbies that are low budget. That way I have something that I enjoy doing on my free time that doesn’t break the bank and also have a feeling of balance of work/play in my life.

[@benfrankog6111]

I enjoy mountain biking and outdoor activities. Generally very affordable and relaxing.

[@ricardocampos3507]

@@benfrankog6111 me too! Although my $2k full suspension MTB wasn’t that low budget 😂

[@dodgeplow]

They don't stand a chance. They aren't interested in sacrificing/delaying gratification.

[@dccrusin8290]

Why not recommend that they save for the luxury items? The point is to avoid debt. The goal is not to have a miserly life experience. They can enjoy an improved lifestyle, but based on savings, not based on debt.

[@danielsjohnson]

He sort of said that. That's why he talked about them having a vision for their life in the future. When you have an impulse you ask yourself and your spouse "does this add to the goal or take away from the goal?"

[@ialexulici]

Do not buy that brand new Mercedes. Buy a 3-4 year old one for 50% off... Mr. Ramsey is right when he talks about the 10 year plan for 40. So right. Get hold of your emotions, man.

[@musicpro7278]

Don't get a Mercedes at all look if u don't at least have a million u don't need a nice car

[@axelfoley1812]

@@musicpro7278 absolutely Mercedes are endless money pits I went with a Toyota very reliable and NOT expensive

[@gsquared2394]

A used Lexus would be a much wiser choice. Mercedes wind up being endless money pits

[@monkeseeaction21987]

People buy things to cope with their psychological problems to get by.

[@jamescadzow9545]

Emotional Intelligence & Spiritual Maturity has Zero correlation with age, one has to overcome obstacles & challenges in life. If one fails to learn in life they will continue repeating the life lessons never truly learning anything other than dying ignorant.

[@alphadiallo1655]

Exactly, thank you

[@user-ne9wp8ve5u]

Scotty would say Mercedes is a endless money pit!

[@gsquared2394]

They should stick with a used Lexus or a ‘96 Celica

[@RonJohn63]

I completely sympathize with the caller, since I was in that exact same place in my 20s (and 30s and 40s).

[@PoyTroy]

It’s def his finance in his ear. “The finer things” is women speech. He sounds like he’s frugal and is smart with his money. His finance sounds like she has an emotional void where as her growing up she didn’t get everything she wanted, and now that she has money she wants to fill that void with material things and or trip taking etc. their on two different pages right now

[@fennecbesixdouze1794]

I don't get this call. A budget doesn't mean you can't go buy fun things, it just means you actually *know* what fun things you're buying and that you're doing it intentionally.

[@mxerb5912]

He’s 30 going on 17

[@stevenporter863]

If caller wants 'the finer things' he didn't have growing up by going into debt then he can't afford it yet. 0:44

[@aNewBeginning233]

i love it when Dave hits em with the "hmm..."

[@colewildenhus7207]

They need to be working towards buying a house not buying stupid cars

[@AH-bm4ts]

Start by going to buy a used Lexus or Acura instead of any European money pit

[@mikecole1664]

@@user-jh8zr6yl6o what☝️???

[@Findingariel]

The problem is people don't care about being broke as much as they "want" the car, house, clothes, vacation, etc.

[@genxx2724]

They feel comfortable if they can “afford” the payments.

[@annkrull9894]

Emotions change and they don't pay the bills

[@TheDjcarter1966]

You just put the money in the envelope. Then spend to your hearts content the money in the envelope

[@NickStratulat]

Love your teachings, I also stated my journey, will love some support/feedback from you guys , hope you have a great day 😌🙌

[@SLee-vj4px]

you will be a rich guy before you know it!!

[@tfh-rw9vb]

“Live from the headquarters of Ramsey Solutions, it’s the Better than I Deserve Show.

[@LevelUpPersonalFinance]

I’ve walked down some of those paths to hurt my finances. Plan to save and pay cash for that Benz. Guarantee when he has the cash saved up, he won’t want to spend it on that Benz.

[@michaelh5055]

I get tired of hearing that our grandparents and their parents were wiser and spent less. It's not that they were wiser and smarter. They didn't have the same financial system back then that we have today. It's incredibly easy to spend money today with subscriptions, tap to pay, and automation. It takes far more discipline to not overspend.... If you introduced the same system to that time period, they would have the same problems.

[@slyfoxx2973]

And you just typed that for the whole world to see. Good luck.

[@michaelh5055]

@@slyfoxx2973 I sure did.... Seriously doubt you have any useful critical thinking skills.

[@blackworldtraveler3711]

You should speak for yourself. Those are your issues. I do all of that with no issues

[@michaelh5055]

@@blackworldtraveler3711 It's not something that will affect everyone everytime. But it's something that definitely has a large influence, which will make an impact.

[@slyfoxx2973]

@@michaelh5055 Did you ever stop and consider that the same technology that makes it easier to spend money also makes it much easier to manage it, save it and invest it? Might want to reexamine YOUR critical thinking skills there Mikey.

[@barbieblue3336]

I love how Dave asks, "how old are?"lol...

[@p.k.hathorn8133]

"I wanna have" a lot... But my four "why's" are sitting down to breakfast...😉

[@p.k.hathorn8133]

Let me clarify, Alot: guns gear and ammo. I have plenty but want more. However until my "whys" future is certain I will say no to my wants and fill the needs of my children. When they kids 529s are funded and the house is paid off Daddy is goin shopping!!!🤣🤣🤣

[@spidergirl7290]

These people don't even have to do beans and rice. They can easily do beans and chicken and not go over budget

[@ericmackay2514]

Who would spend over $200 on one nights meal? Regardless of how wealthy you are that's a poor decision..... Some of my best meals have been made at home for $20 or less.....

[@eaglesandowls]

Some people are foodies. Same as someone liking expensive cars or another hobby/passion. Yes, you can have a great inexpensive meal but you can also buy a reliable, inexpensive used car. Some people like to treat themselves once in a while to something special.

[@gsquared2394]

I’m fine with blowing that kind of money but only on special occasions when it is preplanned and not just an impulse splurge. I also prefer it to be something that is difficult or a pain to make at home. For instance, I very much know my way around a grill, I pride myself on making a delectable steak, so I don’t buy steaks at a restaurant for double the price. But seafood for something that I’m not good at cooking, spending the intentional pretty penny is fine occasionally/rarely.

[@leahmcdermott4189]

I relate to this so much! I know EXACTLY what I need to do to achieve financial independence and build wealth and I’m doing those things BUT fast food/take away does hold me back from achieving my goals faster. At my worst, I was spending about $500 on Uber Eats/Just Eat a month. $500 I could have invested in my ‘IRA’. It’s just so hard. Now, I’m down to about $250 and even this is hard to not go over. I struggle SO bad with this, because I don’t want groceries, I don’t want chicken and rice or salad, unless it’s work lunch. I just love fast food eating out too much. Any advice?

[@Queen-jc8fd]

Learn to cook.

[@insideambersworld7370]

Once you get better at cooking, you will not want fast food anymore. It will taste better than the fast food. Be open with cooking. Try lots of different types of food and different cuisines. KZbin has tons of cooking videos on here. If you like fast food, try learning how to cook those favorites such as homemade french fries or homemade pizzas. I've gotten really good at making pizza dough this past year that my husband doesn't want me to ever order pizza again.

[@theAppleWizz]

I’m not shitting you restaurant food is not as good as what can make at home. When you start to cook well it you just will not be see the point in buy food out.

[@StarcraftGT500]

No new Mercedes is not a “sacrifice”. You make plenty of money dude, stop complaining and use common sense. I’m sick of people who are so much better off than others complaining they have it rough because they want a car they don’t NEED and want someone else to tell them it’s a good idea.

[@jakealden2517]

Ken seems like a nice guy, but he needs to be himself instead of trying to be Dave.

[@sjsjnene5088]

😆😆

[@sjsjnene5088]

Bruh..

[@BooThing14]

What? In my opinion Ken translates what Dave is actually saying. He makes it more detailed thus making it more clear and practical. Dave is very matter of fact but also very vague. I think Ken's input is spot on to the situation.

[@startingtech3900]

@@BooThing14 exactly dude is hating you are going to pick up habits being with dave all day look at Anthony he has all of daves mannerisms

[@Ryan_DeWitt]

That's like saying I struggle with my weight but I don't want to diet. What are you supposed to say to that? You either do it or you don't. If you are unwilling to make changes then you need to stop complaining about the consequences.

[@markg999]

I'm the opposite... I just want to not work and live a simple life off my investments doing whatever I want.

[@Jane5720]

There's nothing wrong with living off your Investments as long as you have enough of them

[@rnt45t1]

A new Benz isn't even that nice of a car. Go with a hellcat now before they outlaw V8s!

[@larryhawes8295]

Really great advice. Thoughtful and perceptive. Thank you.

[@jamesf8783]

Dave's money understood the assignment 💪🏼

[@annkrull9894]

And when she gets pregnant how are you planning on cutting back?

[@IceColdProfessional]

It's time to buckle down.

[@braveheartrv2946]

Im the same way. Its like Ive starved for 40 years. I want to gorge now because Im sooooooo starving!!!! Money wise.

[@ryant2568]

There are a lot of things I want but as an adult I need to weigh up those wants with the needs of my family and our future goals.

[@adammanning1805]

Mercedes and BMWs are garbage cars. Easy for me as a car guy to stay away. Really want a Ford Raptor though but WILL NOT EVER buy it on time. CASH ONLY, it's going to take a While.

[@markg999]

Are the Raptors pretty reliable? I've seen some of the earlier Raptors In the 20s.

[@adammanning1805]

@@markg999 yes, very reliable but I want one with relatively low mileage. Around 45 to 50grand.

[@bmaiceman]

This new opening Music intro Sounds like a COMPUTER BOOT UP TONE!! To me anyway 🤦

[@barbieblue3336]

"The more you know" 🎆

[@DemetriPanici]

*I embrace financial minimalism and this makes my budgeting experience a lot easier*

[@jameywallace5133]

Save up for what you want to buy! Simple! Add it to the budget

[@jimroscovius]

What are your priorities - things or family?

[@listen4159]

2:34 *restrent*

[@djpuplex]

Smart idea. Do not marry this woman. Come to your senses.

[@triad6425]

I really dislike that opening.

[@jimroscovius]

Every time I hear, "It's an emotional thing", I want to yell, "Grow up!!"

[@tomcripps7229]

Good call. I wish I had asked that question many moons ago. But it's all right now.

[@المهديخاتلبالمجاري]

Give’em those books just like a bible.

[@scratch57]

This is what happens when you raise your kids at a standard of living only YOU can afford. Raising kids is sacrifice. This means surrendering time, preferences, and pleasures. No one, including Dave, is willing to talk about reducing your lifestyle while parenting so your kids have an appreciation of wealth rather than entitlement.

[@SnookOnTheFly]

Those that fail to plan plan to fail

[@lomlloyl]

You Gotta ask youself why you want a mercedes!

[@a.m.doesit9347]

just delete your social media... The new keeping up with the joneses is on Social Media

[@princesslamour1985]

No school loans debt at 25...I would be a retired millionaire at 40.

[@MrMlbfan6]

My problem tooo

[@stephensullivan1011]

Yup.

[@ThePeterDislikeShow]

At least you have each OTHER! I can't tell you how often I wish I had more money to spend looking for my future partner.

[@samanthalake5011]

Btw, today is prime day on Amazon. Get the spending. 😂

[@bongothecat3233]

The title can be interpreted as: I just want to spend money and I also want to struggle with budgeting

[@stefanossmitty3318]

Translation: “we want to swim but don’t want to get wet.”

[@amethyst4444]

yes basically! great analogy!!

[@NotMuchHere]

Are you debt free? ... do you have cash on hand? Do i have savings? Do I have a car that works? Do I need a new mercedies or a used hyundai limited at 1/4 the price. NuCar smell is $2 per bottle

[@kenm3456]

Sheesh, a Mercedes? You could get a 2021 Honda Civic type R for less than that lol

[@michaelescobar3746]

17k for a base model Civic. Mines paid off and will stay with me until it explodes, or is given to my niece.

[@startingtech3900]

@@michaelescobar3746 or till you crash it in to someone thinking you actually have a fast car

[@michaelescobar3746]

​@@startingtech3900 Then I'll buy an actual fast car, that way I can never crash into someone.

[@kentondragon9263]

Sounds like 2, 5 year olds...I WANT I WANT I WANT..I WAAAAAAAANNNTTTTT 🥺😭😭😭😭..Dave sit back I got this..go borrow money from banks and spend like its end of days..dont worry about debt or prison😌

[@freeamerican1565]

Dream building is still a real thing…..

[@elliotjames5172]

I don't really see the problem here, if the guy wants to spend money and struggle with budgeting, he just needs to keep doin what he's doin...

[@theflyingsmiley01]

I read Rachel's book. I think she wrote it for women. It was a good book and all, it was just not written for me.

[@vanangelopaz1412]

Eyyy that's my birthday 🎉🎂

[@adamhagen6639]

I totally didn't just laugh at the title and click it..

[@benfrankog6111]

Solution ? Give Americans a bigger Stimmy check baby.

[@triple_gem_shining]

Amen

[@randy944]

Dave at a restaurant: Excuse me waiter, you overcharged us by $1.25.

[@Positiveenergy68]

I don’t like the new opening of the show. 😔 the old one provided excitement

[@genxx2724]

I liked the Rafferty, not the harsh guitar. Both were too loud. Also, I like to listen to DR on autoplay while I sleep. The music would wake me up, so I had to stop. Lots of people who need to learn to manage money should immerse themselves this way.

[@Positiveenergy68]

@@genxx2724 The entire point is for it to be attention grabbing. Since when has Dave handled anyone with kid gloves? If you are in debt, you should be smacked awake, not coddled.

[@rosiebaker4250]

House cars money all that from God money thank you

[@KRITORISS]

You only live once......buy it

[@barbieblue3336]

Caller doesn't know a lot about money. DOES NOT GROW ON TREES

[@matthewrozumialski8196]

My motivation is saving for retirement and I want a new bronco.

[@rosiebaker4250]

Ramsey would you stop giving money its God gift all that if i married his son thank you all that House car

[@samanthalake5011]

Go to the casino and splurge. Think about bills later. Bunk it!🤑🤑