Sacrifice NOW So You Can Enjoy Your Money LATER!

[@lynnebucher6537]

Dave has a valid point about sacrificing now so you have a secure future later. So many of my coworkers were constantly getting new cars and upgrading to a bigger more expensive house. Meanwhile I drove the same truck, lived in the same modest house all these years and was able to retire long before them.

[@yvettetemkeng4869]

He bbh

[@soulja7071986]

This means you are proof life is a marathon not a race.

[@caliv0608]

I work with a bunch of guys in their 60s and it's been a real eye-opener seeing those who prepared and those who didn't. Those who didn't constantly panic and cancel their retirement dates to "just save a few more dollars". Kind of sad, but good lesson for me!

[@prw1953]

I like it!

[@jabutch11]

I’m in the middle of a 36 hour shift, and just realized I’m all caught up on my Dave Ramsey podcasts and don’t have anymore of him to watch this weekend. 😔

[@kaohsiung99]

Find some of his old videos. "You control You" is among his best rants ever.

[@jabutch11]

@@kaohsiung99 yea I’ve seen that one, classic! But I’ll probably watch it again.

[@PorshaLaVieBelle]

That’s why I am trying to pace myself 😭😭 sometimes I watch 2x

[@maryjoc7372]

Watch again!!

[@maryjoc7372]

Over & over again. I learn something new every time I listen & listen again

[@harrisl.7924]

I still love seeing Uncle Dave on the show with his daughter 💜

[@oshkoshbegone]

his daughter is the only person he doesn't interrupt lol

[@deborahmeek6529]

I didn’t think I could like listening to anyone more then Dave but Rachel you are so amazing and adorable

[@charlottemariesmith]

So funny how you can root for someone that you don't even know. So happy for her

[@carojames6776]

I enjoy seeing people succeed and do well in times of great difficulty and hardship.

[@Jane5720]

I agree about the nurse decision loan, it is way too long of a commitment, your company just wants to control you. You can move jobs like they said and make up the difference and you have the freedom to come and go as you want

[@christenganley8384]

My company did something similar- paid for my Masters Degree and required me to work off the debt over the next seven years. Indentured Servitude.

[@SSS-wo2hn]

🤦🏽‍♂️

[@SSS-wo2hn]

@@christenganley8384 🤦🏽‍♂️. You made a choice. Did they MAKE you?

[@micheledunn7308]

She could probably make that same amount in overtime & picking up additional shifts in less than18 months thereby cutting her obligation by 42 months.

[@wandahaines7143]

When I was starting nursing school I was working as a nursing assistant like so many do. They offered to pay my schooling if I would stay for 4 years afterwards. Thankfully for my dad talked to me out of it.

[@kaohsiung99]

As for Daniel in LA at 17:43, there's no way that building codes would allow you to just build one house behind another. If it's possible at all, it would "Cost twice as much, and take twice as long," as Dave has said before.

[@Pandorash8]

So true. He should speak to local agents for their opinion on resale value and saleability, but I would think building a studio with a bathroom (and kitchenette if codes permit) would be much more serviceable.

[@montanachic788]

"Bigger Barns" 🤣 well done! Love it!!

[@egotripp-gn4bt]

Brittney is my sister in law and has showed me the way to dave ramsey . I love Britt and I love my dave ramsey so proud of her !!!

[@camilagenevieve7677]

Great work Brittany!

[@rhondaadams4013]

Another great show!

[@corneliusjones7349]

This is a principle I have said long before i heard Dave Ramsey.

[@jordangarrick669]

If somebody who is worth $300 million says he's not buying a car right now, that's good enough for me to not buy one either....

[@LoadedToTheMax]

After 8+ months of listening to dave I finally realize that Rachel is his DAUGHTER?? 😂😂😂

[@Miss_Dani_DWhit]

You're not the only one. I've been binge watching for the last 2-3 weeks and just realized the same. Lol. This is great that his daughter also has the knowledge he does.

[@rchi3906]

@@Miss_Dani_DWhit Baby girl , when your that hot , you don’t have to be the sharpest tool in the shed

[@niccrock12]

And I like how she calls him Dave-not dad-on the show.

[@amit_patel654]

Dave: “for 850 ft I’m in” Caller: “ok, well it’s gonna cost $180,000 and I think we can pay cash…” Dave: “WHAT?!” O_O

[@racheljankowski7397]

For Anastasia in NY... ANY lender can get you the CEMA rate, they just have to set up your loan as a CEMA. You do not have to stay with your current lender. The new lender will just process the loan as an "outside CEMA". This is very common and I see them daily as an escrow/title agent

[@obarefamily]

Please do us compilations of Debt Free journeys for 2020 and 2021 in different youtube playlists instead of combining 1998 debt free yt video with a 2021 yt video.

[@schuylergeery-zink1923]

I love conspiracy theories, too, Rachel 😂 don’t let him get you down! Basically the more someone doesn’t want you to talk about something it makes it more intriguing so I like to keep tabs on what people are saying and thinking, just to know ha

[@michaelkiese7794]

3:10 I don’t know of any service members who have 7 rental properties over their whole career. Maybe 3. 4 MAX. But even given the scenario of 7 rental properties at the end of a 20-30 year career, as long as they are paying for themselves and bringing in passive income, what is wrong with that? Time the market when it is a heavy sellers market all over the country like RIGHT NOW, and sell them off and buy your forever home, or do that and keep a few for passive income. My wife and I were active duty, and we paid off our first home in 5 years when we were stationed at Fort Huachuca, AZ. Now it is all passive income through rental. We did that as enlisted soldiers as well. Not officers.

[@zachmiller2521]

Because you’re carrying millions likely in debt at that level. It’s exactly what Dave did to go bankrupt.

[@horizoncheck8620]

enjoying the Ramsey Show at the moment. 😄

[@AppalachianDIY]

Congratulations Brittany!!

[@FrankMontano]

Congrats Brittany!

[@UHPhilipA]

Rachel is right about her conspiracies! haha

[@njvalueinvestor]

Brittany is wise and of strong character. Her boyfriend is blessed.

[@Benita399]

Love seeing the Debt Free scream!!!

[@HOODS]

I absolutely love Dave's point on this one. 120% Break the chains. Instead of being forced to take the experimental jabs.

[@kbanghart]

What experimental jab?

[@Jackwithahatmiller]

Working to pay debt sounds like my old life me and my wife are following Dave’s steps to success

[@davidmaco1]

Praise the Lord best story on around 1hr 49 min mark most important part of life

[@vasaguy7624]

To retire with 7 rental properties in 7 different cities sounds like a dream. Just use property management companies.

[@deanayoung9412]

I like that goth ring fingernail😁😁jk y’all are awesome!

[@clarisamompremier8005]

Yeah what’s up? I noticed that.

[@melanieabbondandolo481]

Permits and costs in California are outrageous to build

[@janetcross2797]

You are amazing great job

[@teresabernhardt807]

The razor part would be me...lol

[@jaybenekin]

“What do you do when your husband is wrong?” You call me so I can undermine his authority.

[@23lauramoreno]

Awesome show!!!

[@wandahaines7143]

The last statistic I heard was 34% of nurses will be quitting within a year. My daughter is already starting a new career. She's been a nurse for only 5 years. I have not quit however I am working as a travel nurse after taking off for 5 months. I work very short commitments. If I want to resign that's one thing but if I want to take 2 months off I do. I've done this frequently in the past and with the pay right now 8 right now I am going to I'm going to milk as long as I can. By waiting for 5 years to have your loans paid for Dave is very right. You are trapped there for 5 years. Something better comes along you have to realize that you now have to pay your loans. After getting used to them paying your loans for you it's way too easy for you to say I'll wait until my loan is paid for. Then you get trapped in the fact that you now probably have a pension. So you have to decide whether or not the pension that you have is worth staying there for. And you feel trapped. I'm done with that. Nurses have the opportunity to have the flexibility, the movement, and the choice to get the best income for our experience. If you want to stay at hospital, have friends and family in that area that's fine but it also limits your possibilities.

[@fortgrove3166]

I am active duty and sold my home after living in it for three years. That was in Kentucky. I regretted selling it lol. I bought my second house in Colorado ten years ago and have been renting it out since 2014 and have been getting positive cash flow since.

[@kbanghart]

I hope to sell my existing home with enough cash left over to buy a much smaller one out right and not have a mortgage payment.

[@njvalueinvestor]

Great episode ! Money is only a tool :-)

[@horizoncheck8620]

aye, need to be able to use the loo now and then, ppl gotta eat meals too - want materials to still be ongoing~ly used.

[@LuhRen]

Living on 65k a year is alot to swallow??? I only make about 30 by myself and about 60 with my partner. I CANT WAIT to be where I'm making 65k individually a year regularly.

[@ethanlee-c3d]

Renzo what job to get 65k

[@StLouis-yg8jp]

To the nurses receiving the $200 every month - they should just take that until the interest goes up THEN pay off the loan.

[@kathryntubridypakenham2743]

Too bad the employer wouldn’t just increase their salary by that much

[@biker3762]

stocks could be great but its a big gamble at the end of the day, property you can always rent them out and they gain value overtime my landlord owns 8 houses retired along time ago all he does is focus on repaiing them when we have issues

[@matheusandradefilho3422]

Temos 3 policiais brasileiros em Edmonton. É possível sim!

[@matthewwilliams9200]

if they pay monthly your payment to the tune of upto 15k over 5 years. id go with it if they allowed you to leave without penalty only keep the full amount of loan in an account to pay it off. that employment deal is like a loan don't do it pay your loans off

[@zachmiller2521]

But she said the 200 doesn’t even pay the interest monthly. Terrible deal and you’re stuck at that employer

[@SauceBelfort]

“IM BROKE AND IM PROUD!”

[@horizoncheck8620]

how inflated is it? are the reasons realistic.

[@njvalueinvestor]

I sympathize with the teacher; teachers in public and private schools are underpaid in her state. She would make at least 50% more in Northeast, or West Coast.

[@lemonawrencher-strong6920]

What is the time to get in a call to The Dave Ramsey show. Anyone? I'm on the East coast, USA

[@Miley_00]

Go to his main channel he's on live every day u can watch

[@noidbusta1]

sorry about the finger dave

[@travelnurseadventures3225]

NOTE to question in the Live Chat: Any healthcare provider/staff that denies service to ‘unvaccinated’ person is ILLEGAL under EMTALA and is UNETHICAL.

[@quadoduece]

Sheesh! 20k a yr. wth? That is just wild.

[@Nigriff]

Seresto gave my dog cancer.

[@janetcross2797]

66, 000 where dose she live tax free

[@paolasotoruiz8108]

I have 6,000 to invest. I it is a good time for mutual funds right now? Or i should wait? Thank you for any feedback.

[@shashankthiagarajan]

MFs are high on fees go for ETFs and deploy your investment in tranches not all in one go and diversify

[@jimhandler1129]

No one can or should time the market. If you are uncertain, then dollar cost average your investments. Invest the same amount over a period of time. When the price is high, you will purchase less shares, when it is low, you will purchase more shares.

[@travelnurseadventures3225]

Open a Roth

[@paolasotoruiz8108]

@@travelnurseadventures3225 i have it through my job.

[@ethanlee-c3d]

Pauline what happened to 6000?

[@Perfumery_by_Sabin]

so once my debt is paid off, saving downpayment for a house would fall into step 2b? or after 3-6 months funded emergency fund. i can have debt paid off next month (15k) will then be debt free with a few thousand in emergency fund, can save probably 30k by mid april. looking to save 50K for 250K house.

[@T3COLY]

I think 3b in case something happens no?

[@erin2535]

Yep this is 3b, they call it

[@beckygeer6480]

She should definitely sell that house and bank the money without making the repairs

[@biker3762]

money loses value due to inflation

[@zachmiller2521]

@@biker3762 no money loses buying power. She’s still have the same amount sitting in the bank, it just wouldn’t go as fr

[@biker3762]

@@zachmiller2521 only un pkwe case but if there us no power mpney statistucally decreases due to the tenacity of the encomic yearly gdp perpetual growth and inflactuates into a yearly loss of inflation rate exactly around 1.2 percentage

[@bigdata9605]

I just called the bank to pay off my debt.. they hangup on me and no one wanna help LOL

[@Camie2023]

I would build the ADU. It helps a lot in California.

[@kathryntubridypakenham2743]

I’ll never understand the attitude of seeing taxes as a punishment, taxes allow for all the public services but I’m also not American so it’s probably a much different environment than I live in

[@Razdasoldier]

It is the difference between buying something because you want it and buying something because someone threatened you.

[@1981lashlarue]

Because it's theft. It's an entity (the govt) taking something by force that belongs to you. If the govt was a better steward, I wouldn't mind it as much. The fact that they are utterly wasteful, financial incompetents and on top of that, they always have the audacity to ask me for more.Tthat is what really infuriates me.

[@lovecats6856]

You have a great attitude. "Pay back Ceasar's things to Ceaser, but God's things to God". We must pay our taxes.

[@MarcyJ2F]

“Gold in handcuffs” Man that’s good!!

[@lovecats6856]

I must be hearing wrong. Is it "gold in" or "golden"?

[@tubenachos]

Giving money to a church is a waste of resources imho I have no idea what that money goes to

[@666dynomax]

Rachel is becoming a good little Dave.

[@Mr.LetMeCook]

It’s crazy again her out of debt and live debt free and have no money and be okay with it and I don’t get this

[@JaneDoe23]

Rachel looked uncomfortable with the way Dave tried to explain his thought process while dismissing her overall thought about the idea of planning.

[@666dynomax]

It’s her inexperience she’s learning to repeat everything Dave says but she won’t get it

[@kaizenborntowin]

AXE THROWERS UNITE! Haha!

[@sweetfayce18]

Too long . Only $200 . I’m stressed thinking about it

[@janetcross2797]

You can't afford a house

[@janetcross2797]

Sell the house today

[@daisypeanut1251]

Agree with a comment below. Rachel just does not bring value to conversation.

[@janetcross2797]

Sell your house get a coop and enjoy Condo

[@JC-rp6sp]

Bro, if you’re in the military DO NOT talk to these people. They don’t know the position you’re in. They don’t know about the SCRA benefit. We get houses at very popular cities for very low interest rates (or 0% interest). Literally talk to your first sergeant or finance themselves,

[@JC-rp6sp]

They don’t know your income. The military pays for your house and utilities.

[@linhdoan7925]

Enjoy money now or later it is hard answer? Never right or wrong. Idk

[@lenak1438]

What if there's never a later? Tomorrow isn't promised to anyone. Shouldn't we enjoy our money now and not 20, 30 years from now? Tomorrow may never come.

[@ethanlee-c3d]

Lena. You r right. Get out of debt as soon as you can. Then invest wisely and save. I have made tons of mistakes. Negative people will drive you down. I am saving for an emergency fund. I want 20-30k. Might not be a lot to some people on here. But it’s a lot to me.

[@dskyy2001]

Compare this young lady who owned her life with Shane from love is blind. She represents America and control of one's destiny.

[@kurticeberg4566]

I’m a huge Ramsey fan, but labeling officers “Policeman”, and then cutting off Rachel’s advice walking through that scenario with the husbands mindset, is the dealbreaker. I know this clip is older, but Dave has got to improve his communication skills. I know he teaches and studied this for a living, so it’s ironic, but he is slow to adapt and garner the same respect he would expect others to show his co-hosts.

[@igot5onit423]

Not trying to be a negative Nancy but.. Rachel really doesn't bring anything to the table.. let's get George back

[@brendaspamperedkitchen9878]

You apparently haven't listen to Rachel and her dad together. Rachel has her father's heart, common sense, and the Ramsey passion to help other's become debt free.

[@Pandorash8]

She’s the only one able to challenge Dave sometimes, which makes for really interesting viewing when it happens. But I do understand why you would feel she’s not as dynamic as some of the other personalities. And of course none of them are as dynamic as Dave 😄

[@mstrato13]

George has no personality

[@PorshaLaVieBelle]

George is my favorite Ramsey personality

[@StLouis-yg8jp]

​@@PorshaLaVieBelle George just tries to be a Dave clone except he's not successful at it. If I hear the same "I'm not going to be mad at you if..." line again lol

[@rorexc]

First

[@jenlewis354]

As a healthcare worker, when I heard this "retention" payout, one word came to mind: bribe. a compromise...would the husband staying at that role for the next 'x' amount of years work if she decided not to go that route and maybe pick up some more shifts or find another supplementary income to contribte?