Don't Wait On Someone Else To Fix Your Life - It's YOUR Job!

The Ramsey Show (March 17, 2022)
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[@user-uv9fz5rw4z]

We paid off our mortgage a little over a year ago. No debt whatsoever. I’m 33 and my wife is 29. It’s a great feeling.

[@unnamedchannel1237]

Had my house paid off for 2 days lol then got a 6k bill for a project i was working on. But sold that project for $50k to get debt free for those 2 days. now $6k back into the mortgage but only take a co0uple of months to pay off. feels good doesnt it.

[@Seanpfree]

34 in Middle Tennessee, no debt, 100k HH income, 2.5 years putting in bids wayy over asking and still cannot get into our first home. Priced out over a year ago and that's increasing by the day. Good move buying years ago and paying it off, smart smart move.

[@25esimpson]

35 years old and debt free (including house as of May 31). It hasn't really sunk in yet. We bought in 2016 for $130k. House is now worth $250k. It's "only" 1500 square feet (small for today's standards) but it also no longer comes with the $711 of principal + interest payments each month. Dave is right that we've lost our minds in terms of what a good standard of living means today.

[@moose11vt]

@@25esimpson That's awesome! I'm in a 1230 sq ft home and love it. Very cozy and manageable. I'm surrounded by crazy expensive real estate so I feel lucky.

[@jamaicaninthekitchen4358]

You are debt freeeeeee

[@MK-he8xm]

I was in foreclosure, had to file bankruptcy, was sick, lost my job, you name it! I started listening to Dave who made me mad or cry! But I kept listening & began unscrambling my brain, saving every penny under my mattress, bought NOTHING, no cable, no eating out, etc etc. I was able to save $40,000 on $500/mo in 7 years & bought a fixer upper house for $9200 in a nice area. That was 7 yrs ago, I'm 69 year old female, I love my home, I have no debt, my house is worth 10xs more now & I am thankful for Dave Ramsey show!

[@carojames6776]

Congratulations, THATS HOW YOU DO BUSINESS !!!!!!

[@2023roadstervet]

God Bless you 🙏

[@susannnico]

The greater the passive income you can build, the freer you will become. Taking the first step is the hardest, but 5 houses later living off passive income since July 6, 2016. You’ve got to start taking steps to achieve your goal.

[@lailaalfaddil7389]

Wow!!! I know *ROCHELLE DUNGCA-SCHREIBER* and I have been growing with her since 2017. Her expertise has been the best for my financial journey. I have created a passive income over the years and life feels really better and easy for me. I feel so delighted to read these good reviews about her

[@noneya154]

"Ramsey girls are smart and pretty" that made me cry, it's so beautiful. I don't have a relationship with my father or my step-father. They were both bad examples of what a father or spouse should look like. It just occurred to me as the now mother of 3 boys that I need to tell my boys more often what my father figures never told me. My boys are smart, handsome and kind.

[@Scott-got-caught]

I think boys need different affirmations, such as: masculine, ambitious and respected. You are priming them for the rest of their lives...eventually they will find women, friends, and employers. All of which would much prefer a masculine, ambitious and respected man, as opposed to a smart, kind, handsome guy, which is okay but it's very beta (less desirable in the eyes of society). Their future girlfriends, employers and friends will treat them better in society if they are masculine, ambitious, successful, and respected by others. It's important because society treats people better and therefore has more privileges attached

[@topsykretts2264]

@@Scott-got-caught that makes no sense whatsoever. A guy can be handsome, smart, and kind while still being masculine, ambitious, and respected. Those attributes are not mutually exclusive. If you’re talking about extremes say an Andrew Tate vs James Charles then I would agree with you on being more “masculine”. Also society needs more kind men who are willing to show their sensitive side instead of holding it in. That’s why you have men who grow up to be angry and violent.

[@Scott-got-caught]

@@topsykretts2264 a well balanced masculine man is still sensitive, kind, etc however, the masculine man is not heavily dominant in those traits and doesn't need to be. The feminine balances that out. A man is expected to lead and the feminine is expected to follow. This will ensure harmony in the dynamic between the two.

[@DanielTPeace]

@@Scott-got-caught Socialization is in direct opposition of the truth you have tried to express, many are programmed to be in ready opposition to it.

[@BlakouttheMM]

A great idea. And if you ever have daughters, remind them to say kind things to the men in their life. We hear it so rarely as men, it means the world to us.

[@kristinehennix1818]

Almost in tears with the young couple on the debt free scream! So encouraging for others and nice to see such a unified newlywed couple. They will be set for life if they stay on this road!

[@ThisMissK]

Instant tears.. my Bible tells me to take care of widows.. bless you dave 💚

[@pamelamclarnon1768]

Me too, as soon as Dave said that! God bless Ramsey for helping her.! I pray she has a good support system ❤

[@jorgemendoza-gz2yk]

i stopped wathcing DR a few years ago after I was debt free 5 years ago. once you are debt free life is too easy. came back to listen once more.

[@BonnieHalfElven]

I had a "friend" who looked at me as a bank or transportation. I gave her $30 and said, "I don't want this back, but don't ask me for money again." And I gave her TTMM book. The next weekend she was right back at it. I said, "You're on your own." Surprise! We are no longer friends. But I have friends who still give her money (who can ill afford to). I keep trying to tell them "She's a user and as soon as you put your foot down, she will remove herself from your life." Still waiting for that to happen.

[@fourdayhomestead2839]

Yep. My best friend did the same about a year ago. I was snowed in at home, no way to send $$ to her. She rudely hung up & haven't talked since. I'm ok with that.

[@A_Girl_named_nick]

The woman who lost her husband due to a fall. Breaks my heart. I worked in hospice for 7 years. I have seen that type of behavior before. So so so sad.

[@lisafanucchi5939]

I can’t wait for Dave Ramsey to call me a weird person 🤣🤣🤣

[@yasminogbu8929]

🤣❤️

[@weaponson3-158]

The only episodes I watch these days are the ones with Dr John and Dave together. Simply on another level!

[@jamesp9998]

Oh yeah. Dr John is by far the best runner up to Dave personality . He brings so much value to the company .

[@christinewallace9251]

I’m The opposite; usually turn it off if I see Dr John. But he with Dave is better than any of the personalities without Dave.

[@happyinparis]

My heart goes out to the widow lady. My husband passed away and it's devastating!

[@marysaltlife1427]

I had tears as Ramsey took care of the widow as our Christian Bible teaches us. I pray she is doing well. May GOD continue to bless you and your staff, Mr. Ramsey.

[@saiyez77]

I choked up

[@katyhanara]

One of their best episodes, from beginning to end.

[@jrwntctv8091]

This should be the one they use for their replay on Good Friday.

[@yasminogbu8929]

Yer pretty epic 🙏🏽

[@jasondima1411]

That was the best ending segment that I’ve ever listened to from the Ramsey Show. By the people you hang with will decide your future!

[@lizuhlig5258]

7:53 I think it’s better to praise kids for their efforts rather than tell them they’re “smart.” Smart can be challenged, but effort is 100% within their control. Teach kids to rely on their effort rather than a vague concept of their abilities and they will be much better off. (Growth Mindset > Fixed Mindset)

[@annamineer2521]

No, you do both. They will become what you tell them they are.

[@pennybentley5125]

Naaman and Gabrielle CONGRATULATIONS 🎊 You two are amazing !!! I wish you the Best for the future. 😊💐

[@Shellyzhandmade]

Congratulations to you both. And God bless you guys with a bright successful life ahead .

[@arbedllebeiz9944]

Ok ok hi hi moo

[@jpali24]

I listened to the interview Dave did on Glenn Beck show. Great interview and a CLASSY interview at that. Would love to hear Dave do a detailed talk on the history of the economy much like he did on Beck.

[@mannyjeanpierre4062]

Do you have a link to the video?

[@joseluna5934]

There

[@michaeladownslmt1132]

That seven year old is now smart beautiful and 'mean'. Instead of understood. That from her perspective she doesn't need self-esteem help, so like it's insulting to receive it. She doesn't know what predators are. She doesn't know that the real world can be deeply humbling and that failure is not her fault. Noone has explained to her yet how to make meaning out of that. That you are wanting her to know that there may be a test that's too hard for her some day, but that you are training her to question her self-doubt if and when it comes up. Cuz she doesn't have self-doubt yet. So you gotta pay attention for teachable moments and cheer her on then. Instead what most parents do is: i thought I taught you to be smart, shame on you for making a mistake. Right in the very moment they should have been bringing it all together and saying: alright, everybody gets challenged in life, but I've known you your whole life, and I know you to be smart, what do you think about this challenge?

[@michaeladownslmt1132]

My god please read this comment.

[@monica4729]

I love the debt free scream!!

[@petracain6794]

Reminds me of my daughter. She was born with a birthmark on her eye and her brother's friend looked at her brother and ask with her standing right there. TJ does your sister still have that birth mark on her eye? She straigthen her 5 year old back, look him in the eye and said, i know you know it's there because you are looking right at it. Lol It was like Hi 5 baby.

[@leanbean6545]

Dave, as a middle school teacher, I can assure you that there is a such thing as a 15 year old mustache. Some can grow them at 12 and 13. I have a 14 year old student who has a very full chinstrap!!!

[@Tom_Het]

"Alcoholics who quit drinking never do it for themselves" That's absolutely not true

[@yasminogbu8929]

Agreed

[@SuzanneU]

I agree. The ones who succeed and stay sober are those who do it for themselves. If you make somebody else your reason for stopping, you'll make somebody else your excuse for starting again.

[@brandycaltrider5518]

One of my favorite episodes from start to finish. Nice job guys!

[@southerncali88]

47:00 if more people knew or even understood that simply having a respectful meeting with your boss to discuss how you can add value to the company and earn more money will more than likely result in you walking out of their office with a sizeable raise and extra money in your pocket….. a closed mouth will never be fed

[@PurpleRose8725]

Why is there even a gift tax? One of the greediest things the government has ever done. 😡

[@marcelamaurepass767]

God bless them, I'm proud of them.

[@slimithy99]

Part of the issue with student loan forgiveness numbers is that to know where you stand as far as how many qualifying payments you have left, they require you apply to have the whole thing forgiven. The vast majority of the 750k didn’t apply thinking they’d be forgiven at that point. They applied to know where in the process they are. As of Jan, 2022, 463k students have had their loans forgiven. This is not me saying to wait to pay your student loans, because you shouldn’t wait 10 years to start your life and there’s no guarantee that the program will exist in the furtive. Just pointing out the number Dave cites has changed a lot in the last year.

[@olivias2836]

Yes, I know multiple people who have had their loans forgiven through the public service program in the past year.

[@tylercampbell6365]

That was the republican coming out of him

[@mairagillard2416]

The lady on 1.28 broke my heart!

[@mikkibates7854]

Shelley - I also wonder if there could possibly be a new physical or mental problem. It could be just bad behavior/addiction, but hidden tumors can do crazy things. I think the evaluation at the end sounded smart.

[@samreagan6292]

Less than 85,000 on my mortgage

[@StLouis-yg8jp]

I'm at 73,000. Let's do this!!!

[@marietaylor5174]

I'm at $16,000 and I cannot wait to make that last payment.

[@thealexandraway]

Congratulations keep it up! 👏🏻

[@jennymeyer982]

We’re about 90k - started at $260

[@ThisMissK]

67000 left!

[@eaglerulerworlds3807]

Naaman and Gabrielle 👏🏾👏🏾👏🏾👏🏾👏🏾

[@lagrimashilario9455]

Thank you for all the information.

[@gayle2276]

If your spouse is leaving you for another person that they will be marrying go ahead and fight for 100% or as much as you can of your 401. They are going to have a 2 income home. You may not. Protect yourself!!! Learned this the hard way and too late.

[@cleirecarvalho457]

I’m obsessed with this show! Thank you!

[@j.rebekah8605]

I say awesome, unapologetically. Thanks for the show guys!

[@Pandorash8]

Brandon, were I in your shoes, I would give the $100 (as I have the means to atm) and I would gift either TMM, or Ramsey Plus or direct to the podcast (depending on the person and your financial situation), and say that I won’t loan money again as it goes against my personal values. If/when the person gets angry, I would calmly say, “I’m really sorry you feel that way. When you calm down and want to talk nicely again, come back to me.” Then remove yourself from any further negative engagement with them. Don’t respond, walk away, until they come back calmly/nicely. And they also stop asking for money. If they can’t do that, then you potentially lose the relationship. But you did the right thing. And if they love you, they WILL come back. Good luck xx

[@airotiv7916]

I so needed to hear this. THANK YOU! ♥️

[@unnamedchannel1237]

My older brother would "borrow" money off my mum... after a while I clicked on after he borrowed money off her she would ask for money off me.

[@wandahaines7143]

That young couple will be millionaires by the time they're 30.

[@PremiumFuelOnly]

We will all be millionaires if the Fed keeps printing money.

[@cindypalmatier5962]

Thanks for all you do!!

[@user-dk3rf3of2g]

✛Ⓘ④②③②⑤④⓪⑧②⑧ ᎢᎬXᎢ ᎷᎬ ✔️✔️💬….......

[@yankos_]

8:20 Dave... My son is a healthy, 15 year old in July, and he has a handsome pencil-line mustache!!!! Get with the program!!! Hahaha!!!

[@pennybentley5125]

Hahha I was thinking 🤔 mmm this is probably the only thing Dave has ever got wrong 😂 he must not see to many teens these Days 🙄🤣😂

[@mmkvoe6342]

I love the rant!

[@TheJeffShadowShow]

Literally, Awesome (from Nissan commercials in the 1980s) and Whatever!

[@jennyruizdiaz9553]

To the 19 year old kid, please look into becoming a Police Officer.

[@-R2-D2]

Downton abbey 😂😂😂 love you, Dave

[@Price8903]

I like the wait for them to invite you in

[@user-dk3rf3of2g]

✛Ⓘ④②③②⑤④⓪⑧②⑧ ᎢᎬXᎢ ᎷᎬ ✔️✔️💬….......

[@Crazybatladyx]

So true, I quit drinking for my daughter cause I did not want to ruin her life, otherwise I would have definitely let it just kill me.

[@yasminogbu8929]

Incredible! ❤️ Go you! Both my parents didn’t drink, smoke or take drugs & me neither my brother ever turned to it or got addicted to that because of it! Your doing the right thing ❤️ Certainly gonna pay off 👌

[@opieutt9038]

Naaman and Gabrielle 🌷🌷👍👍. Awesome!

[@ThatGuy-fx8yc]

Come to Boston!!!

[@itsallperfectlynormal9805]

Bad associations spoil useful habits 1 Corinthians 15:33

[@JS-xx8nr]

Nice beats Ramsey show!

[@user-dk3rf3of2g]

✛Ⓘ④②③②⑤④⓪⑧②⑧ ᎢᎬXᎢ ᎷᎬ ✔️✔️💬….......

[@cindymoger944]

So awesome listening to Dave has a Yong couple on.doing so good.sweet

[@vintageswiss9096]

“Very few poker players can remember the largest pots they’ve ever won… …but every one of them can recall with amazing clarity every large hand they’ve lost…”

[@Msmokey60]

Good Morning from Louisiana I had the opportunity to listen to your lives for the first time and you started me to thinking. ALOT I have about a $7k dept and we are 61 and 62 is it too late for us to be debt free by 2023🤣🤣

[@jackieofalltrades5328]

Of course not. You can do this! There’s been several episodes where there were people older than you with far much more debt and they gave them a plan.

[@KC-dr3cg]

It depends...What are your numbers? Income, expenses? Health? At the least focus diligently to reach your goal...even if you do not quite succeed by small amount.

[@nohandlebravo]

I am doing BS3 and wanting to know if I stay gazelle intense when I start BS3a (saving for down payment)

[@joseluna5934]

$2 Gas? Arby’s 😂 bad funny joke!

[@benkenny3220]

When I listen to these videos at work, I wonder how I could make that kind of money with my situation. Seems impossible.

[@MARLEN446]

Different job...?

[@benkenny3220]

@@MARLEN446 Well yeah. I see all these people around me getting these good jobs, some with no qualifications. Every time I google around I don't see squat.

[@carojames6776]

NOTHING IS IMPOSSIBLE if its what you really want, now may not be the right time for you due to your 'situation'.

[@jennyruizdiaz9553]

Try to become a Police Officer. Be honest about your past and ask God to open the door for you to become a Police Office. Your training is paid for in many states and you are also paid while in training.

[@marnarenteria5542]

@@benkenny3220 Don't Google to find a job! You need connections.

[@sirtwanderson]

I’ve struggled to pay my debt since I was 29. I’m about to turn 33. I have a little over 23k left. Constantly getting more debt with things that happen in life. So discouraging to see someone pay off so much in one year.

[@carojames6776]

Do not allow yourself to become disheartened, slowly but surely you WILL get rid of your debt, keep at it and stay positive.

[@2023roadstervet]

It should be motivating.

[@sirtwanderson]

Update: sold an investment property. Doubled my money on it. Paid all my debt off. Funded my emergency fund. Have a decent start on a down payment for another property. Now if only I can keep myself from getting more debt going forward.

[@ver_davis_2007]

Reminds me of The Princess Bride lol!!! "My name is Inigo Montoya, you killed my father. Prepare to die!"

[@user-dk3rf3of2g]

✛Ⓘ④②③②⑤④⓪⑧②⑧ ᎢᎬXᎢ ᎷᎬ ✔️✔️💬….......

[@MisterKilogram]

Dave, don't go to Steve Furtick's Church. He's going to fleece you.

[@user-dk3rf3of2g]

✛Ⓘ④②③②⑤④⓪⑧②⑧ ᎢᎬXᎢ ᎷᎬ ✔️✔️💬….......

[@510tuber]

Isn't that every church?

[@nellygarcia9787]

Her love language must not be words of affirmation

[@krakken11354]

exemption is 16k in 2022

[@sportsfanatic239]

love downtown abbey

[@user-dk3rf3of2g]

✛Ⓘ④②③②⑤④⓪⑧②⑧ ᎢᎬXᎢ ᎷᎬ ✔️✔️💬….......

[@LadyMatriarch.]

The promo code wouldn’t work. Is it Friends? FRIENDS? Im not sure what I’m doing wrong. (Yes I have two books in the cart)

[@user-dk3rf3of2g]

✛Ⓘ④②③②⑤④⓪⑧②⑧ ᎢᎬXᎢ ᎷᎬ ✔️✔️💬…...,,,,,,

[@gypsyfirefly8009]

Sorry Dave, you are wrong on the alcohol thing. No one gets sober for someone else & stays sober. Its those that get clean for themselves that stay sober.

[@utrnagel9441]

It's about Love🤔

[@davidsee3553]

Missed the opportunity to name a show "Full of Delony"

[@thegreyghost4191]

Must be nice to only have relatives ask for $100. Mine ask for $1500

[@mattlaeff724]

I disagree with Deloney with the woman and her parents --- get on them!

[@kharv1552]

“Like”

[@Steveman27]

That's a problem with religion. It tells you to pray and wait around for some deity to fix your life for you, but it might not ever happen, or if it does, it could take too many years before it happens, and that's no way to live life. It's better to be self-reliant and get things done on your own than rely on some deity that may or may not exist.

[@MichaelJM]

I think you're describing a problem with how some people may teach or view religion and not a problem with religion. I certainly don't think religion teaches people to pray and wait for good things to fall into their lap. It teaches people to draw strength and guidance from a higher power to better themselves. And that takes work. It's not a passive exercise.

[@bettysmith4527]

You don't have to pay for the adoption of a foster kid, I don't think, you do have to pay for other adoptions.

[@jtowensbyiii6018]

It's not "free"

[@hannahhowell7849]

Tax dollars pay for adoptions through foster care. (At least here in Alabama) The adoptive parents are taking a child out of the system and saving the tax payers money in the long run. That's how we adopted our child.

[@bettysmith4527]

@@hannahhowell7849 That is so wonderful, I am so happy you were able to give a child a loving home!!

[@jtowensbyiii6018]

@@hannahhowell7849 that's awesome! Sadly it's not the same everywhere, that's how it should be imo, I've heard of friends who costed tens of thousands to get accepted

[@wandahaines7143]

Here it is not totally free. You are responsible for certain fees but it's nowhere near the cost of going through a private adoption. However just getting the certification to become a Foster home can easily take a $1000 + by the time you get everything set up. Some charge for classes and you usually some modifications of your home.. Some require correct number and size of beds so there is some cost. Basic clothing (the clothing allowance is a joke) car seats etc Though I feel if you can't afford the basics you can't afford the child.

[@jarlbalgruufthegreater1758]

why does this feels like a cult

[@Sully_one]

whats the song at the beginning?

[@theglassarrow_]

Not really sure but it could be original (dont think dave would mess with copy rights), try searching ramsey show intro music

[@flashthecorgi2053]

Baker Street by Gerry Rafferty

[@Sully_one]

@@flashthecorgi2053 tnx man

[@Sully_one]

@@theglassarrow_ i knew i heard it somewhere😄. tnx anyways✌

[@garciaj4468]

@@theglassarrow_ its a classic, Lisa Simpson play it 😆 Baker Street 🎸 🎷

[@AissatouJalloh-yz8ys]

❤❤

[@link501languageservices7]

$150,000,000 😮

[@sunflowerzelda45]

I am a widow, have a hard time finding people to work on my home. It is paid off.. but things need work. Tho seems people do not wanna work :( should a 65 year old woman climb a ladder and trim trees ? lol

[@ds3602]

People will always work, if the pay is a enough. Everyone has a price

[@asunset8545]

Lol😂

[@SuzanneU]

I have no trouble finding people to work on my home. I ask my neighbors for recommendations and look on Next Door. I ask for a quotation and ask if there's a discount for cash. I've had trees topped, the roof replaced, the deck enclosed, and the house painted. Nobody will do it for free or for a lowball offer!

[@sunflowerzelda45]

@@SuzanneU Perhaps it is my area so far from town. A 45-minute drive, on a lake, mostly retired men wanting to fish. :) I do not expect anyone to work for free. Jeez

[@margie909]

I hope I'm watching live the day when Dave finally takes Dr Delony's head off for his "old man" comments. The old man who needs a mirror who signs your paychecks may grow weary of it. I have.

[@Amelia-jf6ju]

They’re just having fun. Don’t feel too weary.

[@bonniej0]

You are absolutely crazy I swear to God to base your life on money money is not going to bring you happiness go on with your life you live happy but you have some money to do stuff now that's all just forget it's there put it somewhere secure maybe invest in some real estate cuz that's good investment.

[@SuzanneU]

Try living without money for a while. I've had to scratch and scrape to pay bus fare for my kids. I walked because I couldn't afford the bus for myself to go to work. I've had to ration food and hot water. We had no phone and no tv and no consumer debt. I worked a full time job and every weekend gig I could get. Being financially secure is a blessing! It gives me great pleasure to work and play with my money. It's also priceless to know that I (semi-retired) have enough money to outlive me and leave a legacy.

[@bonniej0]

@@SuzanneU I'm extremely broke too I'm on disability. When I was younger I had a full-time job company car gas card up the whole works and then I lost it all in 2008.