Stop Giving Away Your Money!

[@Financeloverleo]

This guy cares more about getting me out of debt than I do...

[@marinevetoneroman7232]

🤣

[@3skFq7pSM8tcFfF]

This comment needs more likes.

[@Danzilly]

If he didnt care about people being free he would not come in everyday teaching and telling you how!

[@80sbabyg57]

😂🤣🤣

[@chaw3858]

I mean for real he does

[@wandamajette5000]

THE PASSION IS REAL AND RAW. I think from now on I'm gonna listen to this on payday and before I go shopping.

[@tbirlon]

Wanda Majette 🤣😂

[@Ghanaba23]

😀😀

[@lukebas1162]

He would be a good sith😈

[@ForeveryoungNfierce]

Same 😂😂

[@helendayton8884]

Me too!!! OMG 😄

[@thomaswalker1833]

Dave made me feel so stupid and entertained at the same time. My life is changing financially because of this guy.

[@jasonclay8331]

This audio is my alarm on my phone. Wake up smiling every morning getting yelled at.

[@elischwartz6426]

Jason Clay 6 AM in Jason Clay's house: "You know how you get rid of Sallie Mae? You either PAY. HER. OFF. IN. FULL. OR. YOU. DIE."

[@JustReadingAmongstOtherThings]

hahaha

[@wendysutheard5132]

There is one more way actually. You can have it forgiven.

[@garyhost1830]

@@wendysutheard5132 multiple years in a govt job paying half of what the same person could be making elsewhere... I'd say they're paying for it, probably more. I saw Dave go over the math with one lady and it worked out way better for her to take the high paying job and just pay the debt. I wouldn't really know. I'm a stupid tradesman that dropped out of school and got a trade. Never really knew there was a huge student debt problem until I started watching Dave.

[@Epro95]

liar

[@ameba2804]

I have never had any debt, for my entire 30-years life, but still listening him yelling just makes me want to get out of debt. What a charismatic man!

[@iPodKingCarter]

this was a beautiful RANT.

[@barbieblue3336]

It really was. He was getting into it

[@johnb1121]

Facts😁😁😁😁

[@mikehartford4163]

Sometimes you just need Dave to yell at you.

[@elonmusk8667]

This man changed my life. All my friends bought nice cars ($1000 payments), rv’s, and have credit cards bills, and student loans. I wear old t-shirts and I didn't take vacations. I don't have car payments, credit cards, or student loans. I added additional principal payments to my mortgage, and I paid off my house...and my friends can’t figure out how I did it.

[@halffead]

Because your friends don't have a clue and you do have a clue !

[@jacobo9611]

That's my plan, still working on paying the house off tho, seems like it won't happen

[@elonmusk8667]

Jake A I sold a bunch of things on eBay like my bike, Bike parts, and some vintage toys. It can happen.

[@jacobo9611]

True that, I'd been thinking of selling the Harley, gets good gas mileage and would bring in 3k plus saves on insurance.. then just buy one after the house is paid off

[@elonmusk8667]

Jake A I think that would be a wise move.

[@supremevision631]

Before you make a purchase just play this video

[@Papeeshka]

SupremeVision yessss

[@alrs79]

Genius!

[@pdxlife5879]

SupremeVision I have to try it!

[@ericaspruill8461]

Yeah I closed an online shopping tab after hearing this....

[@tmston2]

i was always told wait a day or 2 - see Lee Jenkins taking care of business

[@rk-mq1ct]

when he yells at us like this hes really yelling at his old self that was bad with money. Thats why hes so passionate. i love it!

[@xslayr03]

Have to say.. he’s the reason why I’m putting 90% of my paychecks toward my student loans. Went from $32k to $3k right now in a year. I’m going to have them finally paid off next month. Needed that motivation 👍

[@kendallrackley1308]

What’s your range of income

[@TheToadChild]

xslayr03 You are amazing. Congratulations on changing the rest of your life.

[@MattSezer]

You must being making a lot of money or have very low living expenses, as most people couldn't live on 10% of their income. I saved maybe a half to a third of my income and paid my student loans off quickly, but I'd be living on the streets if I saved 90% of my income.

[@gina_ashford3548]

You must live with your parents.

[@JugglingFinance]

That's awesome

[@littlemarcus15]

Lol I'm completely debt free but this still made me want to get out of debt :D

[@alrs79]

littlemarcus15 praise God! And congratulations!!

[@alinmatti786]

littlemarcus15 😂😂😂😂😂

[@ramalam1988]

littlemarcus15 😂😂😂

[@checkfoldcallraise]

Since watching this guy I'm alot more generous when tipping. I limit going out to eat and I go cheap because I enjoy single life and don't like spending 90 dollars for dinner. So I spend less and tip more.

[@Kingsu451]

You shoul get on debt again so you can then get out of debt.

[@johnjackson9767]

Dave's the father a lot of kids desperately need today.

[@Motivated_Motivation]

The truth hurts sometimes, but it is helpful to hear it.

[@TheToadChild]

90 Seconds Of Motivation I love your channel name!

[@Motivated_Motivation]

Thanks, you also have a creative channel name. My ultimate goal is for visitors to find value in the videos.

[@MR2SpyerJournal]

Faithful are the *wounds* of a friend. Good friends tell the truth, no matter how hard it is. But it's always for your benefit.

[@isrraelgarcia6781]

90 Seconds Of Motivation haha I agree ☝️

[@latonyaricks3294]

No one cares enough to tell you about yourself anymore......this was an awesome reminder to stay on track....thanks Dave

[@deuskanakulya8308]

I’ve been debt free for a while but I replay this video just to keep me motivated and stay out of debt. 🙏

[@JIFAMPodcast]

Possibly the best Dave Ramsey rant ever

[@generationx9294]

I love it. Because we need to hear the truth. Love how passionate he is and spits the cold, hard truth!! 👍🏽💪🏽💥

[@EmpireTextbooks]

Jonathan Gray haha yeah I love how he gets so triggered about people who use credit cards responsibly. I guess he just has bad memories of being embarrassed by credit card companies calling up his wife before he went bankrupt.

[@masterchief5437]

True!

[@keispcs]

Jonathan Gray agreed

[@teewilliams4520]

By far. I felt this

[@jcarlson2727]

"when you give your income to someone else, you don't have it anymore!!!" 😂 Amazing. I love this rant.

[@shaneodom6574]

Well said Dav, love it !!!!! ( love the bass boat analogy) cause I am a bass fisherman and I had a 30 thousand dollar bass boat. Sold it , bought a 3500 dollar nice smaller rig , paid off my house , my truck, and living debt free now. Oh by the way I have caught more bass than you could imagine cause now I don't burn 100 dollars worth of fuel running up and down the river to impress people how fast my boat will run. I fish now. Well said buddy.

[@Only2GendersCommonSense]

Reel 'er in 'n catch dat sumbich 🎣🐟

[@billgateskilledmyuncle23]

I was waiting for him to rip his shirt off and run through the plate-glass window screaming.

[@susie7336]

Hahaha! I have a clear mental image of that now! Hahaha

[@XxXZombieoxideXxX]

Hahaha

[@anniesshenanigans3815]

OMG thats hilarious. maybe do a meme???

[@dany6711]

Like the HULK....😆😆😆

[@marieroyal4434]

He is in his element.

[@amirabed5652]

The only person i listen to when they’re yelling 😂

[@melanieovalles5254]

Hahaha!!!!

[@meahr4654]

😂🤣

[@AffirmationQueen]

Lol Amen!!!

[@passyk9968]

Amir Abed yees me too😂

[@jerseynurse6878]

Lol same

[@candicescoby6633]

Love him or hate him, this man truly helped me! I paid off my student loans (a little over $47,000).

[@xxtoptankxx6873]

Wow congrats. That's allot paid off

[@rhonda8566]

That's really impressive

[@candicescoby6633]

Thank you to all who liked and commented on my comment!

[@feliciahitch8235]

Candice Scoby Big congratulations!! I’m on my journey and have $52,000 to pay off. It used to seem impossible until I started listening to Dave and taught myself more about personal finance. Now I’m just excited to escape this mountain of debt I’ve gotten myself in. If you don’t mind me asking how long did it take you to pay off your student loan?

[@candicescoby6633]

Felicia Hitch thank you! You can do it!

[@justinjex1]

Master card is spot on. You have the card, and it becomes your master. Simple and straightforward.

[@ZeroBaller0]

justinjex1 Yup

[@mooret212]

Wow yep!!!!!!

[@paulallison6689]

Having either a MasterCard or a Visa card (or pretty much any other credit card) isn't a bad thing...so long as you have *good self discipline & use it/them very sparingly & wisely!!* . If & when you buy something w/ a credit card keep it *affordable* & when the billing statement comes *pay it off in full*...or at the very least within 1-2 months...by doing that you'll find that it helps to help your credit score go up & they'll only be getting whatever the yearly fee for having the credit card is & no or *very little* interest!!...& *no added late fees!!* The problem is too many people get stupid & get themselves into a bind w/ them because they lack good common sense & self discipline...it's just as simple & easy as that.

[@nicogreco7110]

Paul Allison if and only if you use your card to pay for stuff you'd already pay for, and nothing more. The thing is, people rarely do this. On average people will increase spending by as little as 20% when using credit cards as opposed to paying with cash. So yeah, you get 1.5% cash back on all purchases, you don't carry a balance, but if you spend up to 20% more per month, you are coming out a loser.

[@Brandon-218]

@@paulallison6689 you're 100% right! I have a mastercard linked to a mastercard account.

[@benrenninger8317]

I wish Dave could just tell us how he really feels.

[@lauraeriksen8999]

Ben Renninger 😆

[@nllc9779]

Haha that was good

[@paystyles5429]

Ben Renninger 🤔😂

[@XxXZombieoxideXxX]

LOL 😂

[@russellwinfree7587]

😂😂😂

[@sumisumi5214]

Dave thinks so logical. He’s not being fooled by banks and corporations. And we should think like him! He makes so much sense!!

[@meganmawhinney3966]

LOVE THIS VIDEO!! It's SO true! My 2 cents - Everyone is saying the cost of living is so expensive and jobs dont pay enough these days.....comparing 2018 to their parents lives in the 1950's. And for some reason that is why we are all broke! When in reality the problem is everything that we finance and borrow....which our parents didnt do in the 1950's. We finance cell phones with Verizon, tv's and furniture with Rent-A-Center, cars with Ford motor credit, education with Sallie Mae, cosmetic surgery with Care Credit, vacations on Visa/mastercard, clothes on the JC Penny credit card, engagement rings with Kay. This is why people are broke, and we normalize it as if it's just part of life.

[@CuteAnimeGirl]

Their wages were adjusted for inflation and productivity though and they bought houses before prices ballooned, so they made out like bandits. We are all starting from 0 here, after the prices of everything are all all time highs, and if you know anything about stocks you DO NOT buy things at at time high, you wait for them to crash and hit the bottom. However we are waiting for this to happen, and that will not happen until we have another great depression to restart the cycle. The buying things on credit/debt started with the boomers too, they could buy things on all sorts of credit and simply declare bankruptcy and do it all again. Look back to them and see that they raised their kids to adopt these same spending habits. However, the young ones are getting wiser in some ways (not being as materialistic) but they made mistakes like getting student loans because they thought good debt existed.

[@LyonsArcade]

Not to mention that your average family in the 50's lived in a 1000sq foot 2 bedroom 1 bath house, with no ac, and had no cell phone bills no cable bills no internet bills, Mom stayed at home all day because Dad took the 1 car they had to work. You can absolutely still live like THAT on 1 salary today, it's just people don't want to.

[@CuteAnimeGirl]

well yes and no, in the midwest it's possible but in most desirable places to live extra sacrifices will have to be made for a 50's lifestyle. I would say it's nearly a requirement for the woman to work these days to feel comfortable at least. Add kids in the equation and that's where it gets murky, I can't imagine trying to retire if you have kids as a millenial, the costs are far too high now. I already made the decision to have no kids or at most have 1 if I get a really good job at some point (unlikely my salary will go above 50k anytime soon, I would only have kids if I made at least 70k a year).

[@LyonsArcade]

Keep watching Dave Karin, you'll get there! Best wishes to you.

[@maryrenaud6732]

Yes...well my parents never borrowed because their was NO Credit available for working people, except possibly to buy a house with a 25% or more down payment. Everything else we bought was USED and paid for via cash payment in full upfront, including cars, clothing, even shoes. We had one landline phone and went camping on vacations. Since most people lived this way, we thought it was pretty normal. Would our parents or grandparents have been this frugal if easy credit were available? I doubt it, I don’t think it was motivated by good money management principles, it was necessity...no one would lend to them.

[@bobmarker6812]

A lot of people I know driving new cars are almost broke. The more wealth you have, the less others control your life. Debt - bad, Freedom - good!

[@tmston2]

new car doesn’t bother me when its 30% max of ur income, i know people driving a $40k - $70k vehicle making $38k a yr, to me thats crazy!!!

[@calebniederhofer6529]

@@tmston2 How in the world would you even be able to pay the note on a 70k car making under 40k. Are you sure this is accurate ?

[@tmston2]

Caleb Niederhofer im saying if u make $35k annually buying a car for $12k which will be spread out over 36-48 months to pay is not terrible in my book. buying a $40-60k car wen u making $35k is not wise to me. unless your home is paid off & u dont hav a housing payment but still not wise to me

[@calebniederhofer6529]

@@tmston2 You said you knew people driving a 70k car making 38k a year . I am not arguing financially how dumb it is. I just find it hard to believe getting a loan, on a 70k car making 38k a year. The only way that would be even possible would be a substantial amount of money down , or a cosigner . See you have to be careful making claims like this .

[@ncg8224]

@@calebniederhofer6529 you can get a 10year car loan. However you'd be paying too much.

[@toms9873]

37k in debt 6 months ago. Down to 26k now, and with a full emergency fund. Dang, this 💩 actually kinda works...

[@marcusmiller948]

Keep up the good work man!!

[@lardook]

Wrong order bud emergency fund after baby step 2, you'll get the emergency fund back quick as once you have no payments

[@izabellasanchez8078]

Kudos to you!

[@justinbowman2126]

It only kinda works if you kinda work it.

[@CoryWould]

Keep it going!

[@Mellybeans0919]

Dave is on FIRE!!

[@arienfox]

SIZZLING!!

[@mathieubaker1548]

Mellybeans0919 that was EXACTLY my thoughts!!!

[@mrjuannorris_]

Mellybeans0919 Lol

[@terrencedabney843]

Breathing Dragon Fire!

[@zolekamadikane5726]

lol😂😂

[@quadgod77]

I’m glad I learned about minimalism at my young age of 20. I have money and I intend on keeping it and multiplying it...

[@chrisbellamy7145]

You'll be happier that's for sure. Growing up me and my friends were always dirt broke, with no vision for ever being anything remotely resembling middle class, but none of us ever got credit cards or loans because we knew we knew nothing about finances, and from that perspective it was financial suicide. We still found ways to enjoy life. I worked at 7/11 and McDonald's and all the middle class people that came in all those years were just the most miserable toxic people. I could never really hate them, only pity them because of how psycho stupid they were. I only had to put up with them for 5 minutes, they had to live with themselves all day every day. My whole life I've heard how miserable the middle class are. This is Canada, I don't imagine it's much better in the US. I always looked down on the rich, I never wanted to be a millionaire. But reading between Dave's lines I understand now that middle class is not an option. When you decide you want more than to just be poor the only option is to eventually be rich. Minimalism, F. I. R. E., savings, investments, getting rich is just living poor but making informed long term decisions with money.

[@ajohonly3721]

The Captain amazing work keep it up 👌

[@cynthiawaldorf9353]

Thats great at such a young age..so proud of you. My children are also being responsible with learning to save and get out of debt..Just like them I remind to just don't forget to get to the point where when you are debt free to also enjoy spending some of your money. We dont HAVE to be minimalist forever..just til out of debt..then remember to save, invest and spend 😊Because that's also part of the plan. Is learning to enjoy spending some 😊 along with enjoying saving and investing. But sounds like you will do well keeping on the path your on! Yay!

[@josecruz6645]

Dave: “Borrowing money on your house to put granite counter tops in, SOMEBODY OUGHTTA SMACK YOU!!!” 😂😭🤣😭😂😭🤣

[@pastortimhenson6399]

😆lol

[@gregorymalchuk272]

Granite is terrible. God made Formica for a reason.

[@Cmimss]

Who else wish they would have found Dave Ramsey before they sign that contract to their car payments?

[@sherrymcmahan6260]

Cam Mims i have a 2016 Chevy traverse that i have had for a year...i completely agree with you....i so want to get rid of it ( which i will but man..)

[@SIRENTHEROCKER]

YES YES A THOUSAND TIMES YES

[@jamaicanvisa]

Amen

[@goingnaturalnewstart]

No I wish I had this video before I took out all those student loans.

[@mikelomeli1316]

☝️

[@yayyay7076]

Redbull...a new proud sponsor of Dave Ramsey

[@Zayynab]

😂😂

[@lyndsieannette957]

🤯🤯🤯😂😂😂

[@libawn]

🤣🤣🤣🤣🤣 Well said

[@normabarros3124]

Lol....hahaha

[@BagsNBaguettes_327]

🤣🤣🤣🤣

[@otonyebenjack7677]

I’ve just ordered the iPhone 12 pro. I think I’ll cancel it after listening to this

[@anthonyfarandatos7839]

Great idea, you could dump that money into investments instead and multiply that money overtime

[@robkober9139]

Someone will sell you their 11pro max for half because they want the 12.

[@Chocolatinhermoso]

Good move !!!

[@CallMeSlavik]

Did you cancel it?

[@sheldonray37]

Cancel it

[@mattw8332]

I'm not religious but this is the type of sermon worth listening to. Dave is spot on: "Stoopid! It's stoopid!" Greetings from England.

[@badgiles]

Generation Renter well these aren't exactly religious related videos lol. Nothing religious about how to get rich. In fact the Bible teaches complete opposite. Nothing against Dave though, he makes great points on saving for the future, especially for the secular world.

[@theuncoveredlamp]

@@badgiles not even remotely close. Some of Jesus's closest friends were rich: Lazarus, Joseph of Aremathia, and Nicodemus were all wealthy. Proverbs 21:20, There is precious treasure and oil in the dwelling of the wise, But a foolish man swallows it up." (NASB) you've probably heard this verse, "Then He said to them, 'Beware, and be on your guard against every form of greed; for not even when one has an abundance does his life consist of his possessions." (Luke 12:15) however so you know the context? My title of the story is "'Jesus rebuke the socialist," and here's why, "Someone in the crowd said to Him, 'Teacher, tell my brother to divide the family inheritance with me.' But He said to him, 'Man, who appointed Me a judge or arbitrator over you?' Then He said to them, 'Beware, and be on your guard against every form of greed; for not even when one has an abundance does his life consist of his possessions.'" (Luke 12:13‭-‬15 NASB) Jesus is rebuking the poor guy for complaining about income inequality. Socialism is at best what you get when Satan twists our godly desire to help people with greed and envy, or at worst it's the wholesale rejection of God to embrace our sinful desires of greed and envy. Either way it's a sinful ideology condemned by the Bible.

[@NasciParaAdorar7]

😂😂😂😂😂😂😂

[@ptorlando1]

I'm sorry to hear that you're not religious. It seems to me that little of England is religious. Glad you're following DR.

[@alejandromurillo4153]

Matt Renter it’s not about being religious it’s about being well off

[@DMaster81]

Don’t hold back Dave. Tell us how you feel

[@ShubhamSingh-dv6nb]

DMaster81 😂😂😂😂

[@PSHOW]

😂😂😂😂😂

[@khalifaalbalushi4944]

Loool

[@bobby_ewan]

DMaster81 😂😂😂

[@erichumphries4662]

These rants are motivation to stay out of debt. preach it papa Dave!!

[@lytonya1533]

I FINALLY get what he’s saying! You may get the discover points but you still have to give them your money.

[@RJ1999x]

Queen Bell The trick is pay off the card at the end of the month, no interest, gain points

[@Valefolken]

The trick is to never use a credit card ever, because the idea that you need a credit card to build credit is a Myth. You can easily build a credit score of 850 in 6 or 7 years with just a consistently paid phone bill. You're gonna spend more just by having access to that credit card.

[@lytonya1533]

Greg Jones Thank you for the heads up!

[@SIRENTHEROCKER]

Its a jedi mind trick for them to call it points in the 1st place. Chuckee Cheese has mastered it. Trade your Money for tokens and leave spending like $3-$400.00 because it was all in "tokens/points" not Cash. They use these terms so you dont realize youre spending waaaaay out of budget.

[@tommy2346]

I have one credit card, and never payed a cent of interest. And I do need it, cause without the credit score the only place they will let me rent are ghetto dumps. So I don't give anyone my money

[@user-us9fk9tf3r]

"Car payments: stupid on steroids" Completely factual

[@JazminBautista]

I agree, if we’re not financially free then there’s no need to do payments that will lead us to not succeed financially.

[@shonalovely2143]

People in rural areas have to have a car and a decent running one at that. I buy reliable cars cheap as i can and keep them forever.

[@tinateews9494]

I admit I was young stupid then. Thank you Dave

[@daniellee1722]

The only way that makes sense is if said car allows you to have an income. Some places like LA you need a car or a lot of jobs won’t even hire you

[@SignedOff402]

Until you buy a 10 yr old car which turns out to need car repairs adding up to several grand (bad cylinder) and the anguish of having a car which has hidden issues...a lemon...because the used auto dealer is a con artist.

[@lookingtowardsthesun]

THIS is by far my FAVORITE Dave Ramsey rant. I play it over and over to serve as a what not to do or what not to do again reminder. Anybody else catch the part where he says he's gonna kill us 6:18 ? I love that frfr 😊! Keep educating us Dave, we're getting there 🦋. Thanks for caring Mr. Ramsey!

[@MrJAnthony91]

It’s simple...if you don’t give away your money, you get to keep it 😱 thanks, Dave!

But you cannot take it with you.

[@seventhchild7270]

@ But you still need it to survive and live, especially with the economy the way it is and will become worst!....nothing is guranteed,....look at the recession 0f 2008, and depression of 1929/1930!....its so important to prepare for the unexpectant job loss, illness, divorce, etc.

[@memberofthelambily1340]

It’s funny... I started mentally telling myself “it’s MY money, not theirs” every time I got an impulse to buy useless stuff. Few days later I found Dave Ramsey

[@dem9345]

@Angela Lewis Hense COVID-19. Its almost like you saw into the future lol

[@askhowiknow5527]

Here Dave, have a Snickers. You’re not yourself when you’re hungry.

[@martomes7510]

More sugar?

[@MrGoldfinch88]

You better not have paid for that snickers with a credit card.

[@Elizabeth-uj8vn]

😂😂😂🤧😂😂

[@lovethemflowers]

Sounds like he was HANGRY, Lewis.

[@mm860]

Hahahahahaha too funny Lewis

[@minervagalvez4748]

Beans and rice...After, hearing this forget the beans, forget the rice, Heck, I drinking WATER morning, noon and night! I am drinking lukewarm water, ice cold water, hot tea, etc...DEBT-FREE HERE I COME!!! 🙏👏👍❤🙂

[@NiceOCGuy1981]

Be careful the water you drink. Most waters have bad chemicals in them.

[@kiaharper7172]

@@NiceOCGuy1981 You ruined this comment 😒

[@NiceOCGuy1981]

@@kiaharper7172 just stating facts

[@angel661984]

Way to go buddy! All the best and good luck 😊

[@choosetoshine2610]

Make it happen! Get outta debt as fast as you can.

[@Divalive82]

I absolutely LOVE these rants. I slap myself everytime I hear one.

[@ajohonly3721]

Divalive82 hahahahaha I honestly enjoyed it I love him 😂

[@WolfGamer2468]

HAHAHAHAHAAHHAHA!!!

[@titiscreations9554]

the fact that Dave liked this 🤣

[@dariaharruff7025]

I love Dave Ramsey show cuz hes so smart and he is honest

[@jill9606]

This video used to be called “THINK America!” I listened to it so many times, I nearly memorized it! LOVE this rant!

[@ScentJunkie03]

jmm_2104 Hey, do you still do videos or have an IG?

[@borreholic]

jmm_2104 Me too, my absolute favorite.

[@rohitpathak4539]

God bless his blood pressure and heart.

[@faithm.matini6900]

Slap so hard my wallet felt it. Bank account nodding, debt cringing.

[@MrDigztheswagking]

Right

[@normabarros3124]

Oh yes .....that's what I'm talking

[@Vera-dg3hf]

how you doing today?

[@ErrorPagenotFound-ig1cy]

Ballsy Bunny same person, bigger debt🤷🏻‍♂️

[@uberxconfessions3210]

I can't think of one plan that equals or exceeds Dave's... PERIOD! I had tried for years to get out of debt and never actually did it until I read his books and applied his principals...

[@FManAngryAmerican]

Can we send this to the government?

[@mr_red13]

I wish this would help. But they like it when their people are not in control of themselves so it makes it easier to control them.

[@HighCountryRambler]

Along with your paychecks. Problem with the government, they're only the people we elect. And people today are easily fooled by the repetitive "free stuff" promises. And never notice that the promises never happen.

[@TheToadChild]

I have to admit. I love it when Dave starts yelling and gets all fired up. Yeah, get 'em Dave!

[@RonnieHouseJr]

Sis, this got me on my feet too 😁😁

[@LillyAnnHouston]

I was going to go to Chipotle for lunch. NOT NOW!!

[@ZeroBaller0]

3Birds1Nerd Yup just make your own food, you'll save incredible amounts of money. Thank me later

[@maxinef6654]

You can go, just don’t put it on a credit card.

[@brianx04]

Rice and beans, beans and rice.

[@QueenRissa_34]

HAHAHAHA

[@starfalcon2]

Chipotle Outbreak! Hope it helps!

[@marineb7617]

I’m from the UK and oh my God I love this guy!! I wish he’d been my maths teacher when I was at school 🙌. Dave Ramsay you’re the best 👍🏻

[@SummeRain783]

I wish he was the anthem at school

[@JazminBautista]

Haha I couldn’t help myself when he said “stupid on steroids”! We all go through financial mistakes, and it’s ok to fail. What isn’t ok is doing the same thing over and over and never changing.

[@TennisBarbie119]

Did he say “American Distress” instead of American Express? 😂

[@Ms.MD7]

He has a nickname for every CC: American Distress Master..........Card Discover Bondage (something like that) lol

[@TennisBarbie119]

Eva Flowers yes I am a new listener picking up on these things 😂

[@jesusbalderas329]

I love my time away from working. My Money makes money while I sleep.

[@sherylchapman7809]

Malika absolutely

[@katiakohl4653]

Malika 😂😂😂👍

[@magellanmax]

"You had to have a bass boat so you're $32K in debt because those fish were outrunning you!" I almost died! 💀😅

[@emack4371]

Me too....tears😂😂😂😂😂

[@xman666soad]

0:52 “mastercard” who named that anyway? Lol oh Mr. Ramsey 😂

[@edben24]

It is called that because it becomes your master when you sign up

[@wk3820]

@@edben24 Yes. It's nothing if not honest in that regard.

[@SPQR7117]

I liked American -Express- *Distress* lol

[@cdorsey69]

Boringname 😂😂😂😂😂

[@ethandowler4669]

this is the high quality content I subscribed for!

[@TheBeardedSandman]

Probably one of the most aggressive Dave Ramsey rants I've ever heard

[@Only2GendersCommonSense]

Saving some money on razors too? 🧔

[@granitemoss1451]

My son is 12, in 6th grade. I wasn't pleased when he told me recently that not one, but two of his teachers have already mentioned to the kids how they'll need student loans to go to college. Well, ok. Then my son told me he spoke up to one and said, "But loans are bad!" and the teacher told him 'not to say such things'. Then I was REALLY not pleased! I told my son to feel free to nicely suggest they look up DR, if the subject comes up again and he's chastised for speaking against student loans. I told him if the teacher's upset by that, they can feel free to give me a call! So sad to hear they're already pushing student loans on 6th graders. A mix of sad and proud to realize my 12 yo is smarter about this than some of his teachers when it comes to finances.

[@BrianMeegan-k3e]

They could push ROTC scholarships as as alternative. 🤣

[@JeamsBond707]

Hi Dave I am from india i was 29 year old kid before but after listening you and following your rules i feel like I am mature enough to handle my family. I was very bad credit card user I was Always in Debt , after listing ur video i feel like how stupid i was for what I did . I haven't think about my future in my past . but u taught me how to set future goals and how to use smart money. i paid all of my debt and now I am debt free, i trash my credit card . paying cash is amazing feeling seriously it feels like I am already rich .i set my future goals thanks to you . 🙏

[@craz4jaymz]

Congrats!

[@WolfGamer2468]

Congrats man

[@0s0sXD]

Why are you being rude to yourself

[@judzarintocomak9330]

happy to hear that for you

[@Kanal7Indonesia]

I need Ramsey to yell at me everyday.

[@dariaharruff7025]

Same here

[@KianoUyMOOP]

Who, Dave or Gordon?

[@SuperSimpleasthat]

@Ahmed Almutairi its means he is a Christian from middle east and targetet my isis before

[@NEWLILLYHOT]

Me 2

[@salman9041]

😂😂

[@FireMrshlBill]

*closes eBay app

[@willspoon1207]

open it back up to sell some of the stuff you don't use anymore

[@DAL201107]

Hahahaha

[@LaToyaPlansLife]

FireMrshlBill back away from the computer lol

[@njstorozuk]

THERE WE GO WILL

[@pamelabell6855]

🤣🤣🤣🤣🤣

[@WJ4x4OR]

This is true. I know people that go to Starbucks everyday 7 days a week. The average coffee at Starbucks is $5 x 7days =$35 x 4 weeks =$140 x 12 months = 1680 and you wonder where your money is.

[@mimisam2091]

Well said thanks for breaking it down.

[@LS-nu1hv]

My hubby used to spend $300 a month at Starbucks. Thank goodness he stopped.

[@tmston2]

i used to go 2-3xs a week spending $3 and i felt guilty. just stopped about a month ago

[@gr8macaw1]

Starbucks; just like bottled water. Buy a water filter and a $20 Mr Coffee. Boy all this marketing stuff really works on people

[@ronlanter6906]

I brew "Folgers" every morning, 4 cups = 50 cents. I feel good!

[@frankcortez4742]

I watch this whenever I want to buy anything. Thanks Dave!!!

[@Lainabell1496]

🤣🤣🤣

[@bostongirl3137]

I love what he says. I just paid off 6 cards and closed them. One more to go.

[@bernandapresendieu]

Boston girl313 when you close your credit cards, doesn’t that affect your credit score?

[@bostongirl3137]

nandaN sadly it does. It lowers your score but I plan to keep 2 cards at least. Hopefully it’ll be ok in the near future.

[@shonalovely2143]

I have a credit card, use it for all my major purchases and some small. Pay it off weekly, no interest. I don't like using my debit card except at ATMs. My personal preference. He can yell all day. I pay no interest because i never spend over my budget or whats not already in my account. I have a 6 month emergency fund paid off my student loans. I dont pay interest on anything.

Your credit score was just lowered. That's what you get for listening to a stranger on you-tube. Sucker!

[@gregorymoore2877]

@ The only thing a credit score is good for is that it lets you borrow more money. So you can increase your credit score. So you can borrow more money. So you can increase you credit score. So you can borrow more money. Etc... The optimal credit score to have is... zero.

[@matodzi01]

The aggression in his tone is wild 🤣😂 am scared to spend my money now. “This is stupid.” 😂🤯 THINK THINK. Stupid on steroids!

[@justessebonganga5225]

I still watch this video until now reminding my self how stupid i had been and cannot go back to it. Time to clean my mess

[@aprilracine]

Stop yelling at me Dave, I’m on the right path now.

[@aeromedical6750]

LOLOL. Dave needs to give us all a reminder every now and then. I tune in just to keep motivated to keep doing the right thing. Nothing wrong with having his message reinforced.

[@DEMediaDrive]

Cute self

[@Paulie8K]

Dave went full savage on this one. 😂

[@janewilliams6885]

Full-throttle Dave for sure!

[@kenediii_ryan]

Same with "lending" to friends/family

[@gabrielle2dream559]

Yes, I'm guilty of this

[@dexterwooten7839]

Lending is the ultimate method of getting rid of someone. Don't threaten them or yell at them or break their heart. Just lend them money and watch them disappear. 👻

[@chrisrefaei]

Love the energy. I shall call you Uncle Dave! Thank you Uncle Dave!!

[@janewilliams6885]

My husband calls him Super Dave.

[@diego-lima]

I felt like Dave’s slapped me in the face after every sentence.

[@Erlande92]

D Lima can you hear me now!

[@pressilz3184]

😂

[@truckdriver3737]

D Lima it's good for you LoL

[@vanakaanhmoob8151]

LOL

[@ryanweston9677]

“Thank you sir, may I have another?”

[@jamilyakovacik570]

Dave Ramsey is amazing! Some people just need to be yelled at to wake up and start using their brains. A lot of people should listen this video every week. Thank you Dave!

[@crhpjeff]

View this video on 1.5x speed. It's amazing.

[@Ms-Jones]

crhpjeff 😂

[@dereklitalien5656]

HHahahahha

[@tonkaranger1091]

Think think think

[@djiens-y8h]

🤣🤣🤣

[@wickedglassbears]

Put it on 2x and it’s ludicrous speed.

[@flippingiowa7868]

I love it when Dave gets angry! I feel like someone needs yell at me every once in a while.

[@Polishboy16]

I'm litterly $0 in debt and this rant makes me feel like why aren't I $-100

[@yaboiace1728]

Ok I’m going to go head and get out of debt so Dave doesn’t have a heart attack. Lol.

[@slyfoxrocks]

"$499 is suspiciously like $500" - LOL!!

[@fire5268]

I love you ❤ God give you health to help us all ❤ Please calm down… I got a bit nervous for your pressure 😢 thank you for your passion on steroids ❤

[@Iloveak123]

I will record the audio of this clip and set it as my alarm every morning!

[@KaraMarisa]

LOL that'd be quite the wake up call ;)

[@maxsmoviechannel]

This is THE video! I've been paying off debt for a while now. I'm a fulltime student and work part time. I owe around $4,500 still only on credit cards, paid off $2400 already. My BIGGEST vice is eating out and movies. So thank you Dave for this wake up call!!!! I'm gonna watch this every week. Also reading through your book now "Complete Guide to Money"

[@jmedi5589]

MaxsMovieChannel, I wish I owed only $4,500. I owe 10x that.

[@maxsmoviechannel]

@@jmedi5589 One step at a time my brother! You got this!

[@zacharymorin2076]

“Left handed puppet” 😂😂 but seriously this guys a blessing and a half but on top of that I feel bad for his therapist 😂😂😂

[@Zanzan8]

Don't think he has one...this show is his therapy

[@jeffsdavis]

I lost it on "Eating Skittles and watching Oprah re-runs!" bahahahahah

[@CarlosRivera-bt4lx]

Dave you are a great teacher. I am learning a lot from you. Nobody taught me this important subject when I was in school that is very sad. God bless you great job.

[@BrianMeegan-k3e]

So your parents did not teach you personal finance and savings ?

[@conureron3792]

Just started listening to Dave to get debt free. He knows what he’s talking about and knows everyone of my financial mistakes!

[@BagsNBaguettes_327]

I love when Dave gets fired up!! 😂😂😂😂😂😂🙌🏻🙌🏻

[@michaelfleming40]

America NEEDS 100 million more Dave Ramseys. ❤

[@JesusCervantes-vl4mb]

Im the 48% that dropped out of college and started working getting experience and im still making more than my friends

[@QBL11104]

The passion is real!! I've been telling those that listen and those that don't about Dave. Only the debt sharks can hate Dave his advice is leaving them hungry. Just think about this, if you pay even one late fee to a credit card you lost $25-30 or more. Now imagine people that have let's say 6k in debt and that's not even that much, if you make a minimum payment of $250 and that $250 you pay $200 towards principal and $50 in interest. With that you'll end up paying it back in 30 months a $6000 load will cost you $7500 !! If you do that then you'll be giving $1500 away in less then 2 years. That's crazy !

[@Libervation]

I like when Dave rants after that 5th cup of coffee.

[@1redrubberball]

The folks that listen to and follow Dave's advice, will prosper. The folks who don't are on their own.

[@db4life925]

The speech!! He is spot on!!!!!!

[@matthewleone9568]

I wish I could like this video a billion times

[@bryanjansen1456]

ditto

[@carlacosta4896]

Just watched this today.. I’m in tears and my belly hurts! 😂 This is one of the best rants I have ever heard! It’s on repeat now! Love it!!!!

[@cobress5325]

I need “stupid on steroids” as my text tone on full blast every time I get tempted to make an impulsive purchase 😅.

[@zeekaywalker9232]

Alright...if we both ever should meet each other at the place I am working at the cash register and you wanna buy something, I'll be happy to yell "Stupid on steroids" 😅

[@abdirizakahmed2375]

"What would uncle Dave say" is my new saying before financial decision lol

[@tryingndoing]

Dave’s rants are epically funny! And so true! He’s the only person who can call me STUPID, without hurting my feelings!! Because it’s so true! lol. The borrower is slave to the lender. It’s truth! Blessings!

[@alphaenderman6793]

Old but gold! Rerun of one of the best rants ive ever heard from dave!

[@bubbleglass]

Dave's got that preacher voice going on...

[@Kanal7Indonesia]

@Tony B he did preach in a church

[@christiandelapena8623]

this is the most beautiful, music to the ears-rant I've ever heard.

[@mysterybuyer3738]

Mr Ramsey, I paid $4000 for my Honda Accord in 2005. I still drive that car today. Why are you paying over $25,000 for cars? It's just a freaking car! lol.

[@SalamanderDancer]

And if you can get a car loan at 0% or less than the inflation rate, why would you pay in cash up front if you know how to manage your money (which most people can't)

[@saraashkir5793]

IceArdor And if you cant predict the future, why would you risk financing a car that will plummet in value? If you lose your job or get an unexpected bill for something, you won’t be able to afford those payments anymore and just build up debt. Why would you wanna be paying hundreds of dollars every single month for 5 years on a car, that sounds miserable

[@appleiphone69]

I am on paper rich, 418k household income. but I don’t spend that way. I buy a moderately priced new car because I need to be at work when I need to be at work. I put 20-25% down and pay it off in 48 months. I maintain my vehicle very well and drive it for 160k miles. My goal is to have the lowest cost per mile possible. ( purchase price + insurance + gas + maintenance)/miles. I know I could afford more car if I wanted to. I get more satisfaction seeing my 401k & 529 plans grow.

[@allpraisegoddessmonika2887]

@@SalamanderDancer because the value in that car is going to go down 50% in the first 5 years. that's way more than 0%.

[@aisharenee1653]

Mystery Buyer everyones financial situation is different and their mentality