My daughter took the Dave Ramsey personal finance class in high school. After graduation she went to college has a Bachelors degree. Elementary school teacher. She paid off her student loans in 2 years and paid cash for her car.
@jadevu9047 ай бұрын
Congrats on the success
@bellacee93586 ай бұрын
Dang!
@myBquest5 ай бұрын
Wow!! Such an amazing story! I am also about to pay a car in cash this year, and will buy a land of my own soon too I hope. It is possible, but you need to be responsible of your own life.
@kenwilliams32795 ай бұрын
Awesome. That's so refreshing to see a young person being sensible rather than engaging in relentless consumerism
@realchavezjuan4 ай бұрын
Is she single
@starrpatrick29057 ай бұрын
Guys, I was spending about $300/$400 a week on groceries when I wasn’t budgeting and meal planning. Now I stick to $160 a week and I have cut our groceries spending a month in half. It’s amazing when you pay attention to your money.
@alexavila63627 ай бұрын
I was spending about $800
@jamaicaninthekitchen43587 ай бұрын
Ny daughter is spending $325 a week trying to eat healthy
@nikkisigmon80906 ай бұрын
@@jamaicaninthekitchen4358its not that hard or expensive to eat healthy. Vegetables and whole grains are cheap. Prepackaged "health food" is not healthy.
@Instkarma97655 ай бұрын
How does a single person budget for food? It’s not easy. Everything in this society is geared for couples and families.
@starrpatrick29055 ай бұрын
@@Instkarma9765 Keep all of your receipts of things you buy to get a good idea of what you’re spending on. If you keep finding yourself scraping by, you have to decide what you really need in your life. Like we can’t shop at Publix. It’s too expensive for everything. I shop almost everything at Aldi. And we don’t buy a ton of snack food. I make a lot of our food (I’m a stay at home wife/mama so I understand not everyone can do this). You tell your money where you want it to go. ❤️
@cristinabivins22407 ай бұрын
Living like no one else doesn't mean extravagant/ opulent. It means driving a reliable, paid off car. It's giving generously to missions. It means going on vacation or taking a sabbatical and paying cash instead of going into debt. It DOESN'T mean buying a plane 🤷🏻♀️
@FancyRPGCanada4 ай бұрын
41:23 gotta love Dave calling out the tv preachers with private jets 😂
@hollyjespersen13279 күн бұрын
Ma
@carolb59047 ай бұрын
Great advice on the collection call Dave. Worked in collections for 3 years and you are right on.
@Nigriff5 ай бұрын
Instant Classic Ramsey Show. Great chemistry and great callers.
@cristinabivins22407 ай бұрын
I miss the old, “where debt is dumb, cash is king, and the paid off mortgage is the new status symbol of choice” 🤷🏻♀️
@mechanicallycreative97885 ай бұрын
Where the paid off mortgage has replaced the BMW as the status symbol of choice.
@melissaford88074 ай бұрын
@@mechanicallycreative9788having an owned place TO LIVE is hardly a status symbol like a BMW is 😂
@MrYz250fman2 ай бұрын
@@melissaford8807 no....just no
@austyn5004Ай бұрын
@@melissaford8807bmws are awful cars to invest in. They’re flashy but the repairs and maintenance is insane. Any time I see someone with a bmw makes me feel sad for them.
@rena_vations7 ай бұрын
Omg!! George Kamel!! 😂 my grandson says "that hurts my brain" a hundred times a day 😂😂😂
@MrYz250fman2 ай бұрын
I took the ramsey personal finance class in 2011 or 2012. Set me up for success. I never thought i would be where I am today financially.
@thehorrorauthority51694 ай бұрын
Hey Dave, I live in AL and yes a judge can sign off on a divorce without child support, my ex and I did it. 11 yrs no issues what so ever. In fact, ex and myself are friends. The only thing is it takes work and compromise, but it is worth it.
@HARDWORKING94174 ай бұрын
Wish he was also doing this in África as well, love his advises
@allenmorgan43097 ай бұрын
The previously recorded sign in the top right of the screen is irritating.
@DeanTheTurkeyLegster7 ай бұрын
😂😂😂
@kashiro24927 ай бұрын
Then don't look at it
@BeeDee-qs9so7 ай бұрын
Sorry, Allen, but you need bigger problems to give you some Perspective 🤔
@frederickvalencia49767 ай бұрын
I agree I also don't like that blue color background. I like green I think it brings out the color of his eyes and it's the color of money. We can also call him the rich green Go. 😂
@BeeDee-qs9so7 ай бұрын
@bookwormonabudget6045😂
@vickieg87915 ай бұрын
Most of my pet names were food! Had a dog named Popcorn, black cat Licorice, orange cat named Buttterscotch Sundae.
@user-hh5kr6ec1v7 ай бұрын
Why is Issac giving away his house? He should get half
@JoseDelgado-cz4wh6 ай бұрын
Hi, my boys group mentioned me this program, apparently you guys are kinda famous here in southwest Europe (Portugal here 🇵🇹). Amazing show!
@mellymelbellr.57395 ай бұрын
Yes! My son is a sophmore in Tx taking a personal finance course
@matthewmarston51493 ай бұрын
Uncle David: 1. I did my due diligence on draft policy in the United States Military 2. Put my name in the hat .. 3. Made it as a Admiral Seal
@sarahburggraf9077 ай бұрын
They were all in one accord❤😂
@Wearenotfriendsxo4 ай бұрын
loving the music ❤
@sandrao81467 ай бұрын
Dave talking about student loans and the government 😂 he said the IRS and government's parents are cousins.
@BeeDee-qs9so7 ай бұрын
There should be a book of “Dave-isms” because he seriously has some beauties 😂
@wb6245 ай бұрын
In 2013 I was in 10th grade and had to take the Ramsey course
@lululemonpies5 ай бұрын
Roasted Dave 😂
@bookwormbon4823 ай бұрын
25:26 thats an amazing achievement congratulations
@DNVlogsLife4 ай бұрын
I wish they had the Dave Ramsey program in my kids school. How does one get them to incorporate this?
@jsgll...godgunsliberty11977 ай бұрын
It seems like I can’t not get my questions answered unless I subscribe, ?
@elchapojr62197 ай бұрын
The last lady I don’t really understand your a united state citizen I’m assuming. Do you know how many people that are not citizens or residents would love to be able to work an easier job.
@matthewmarston51495 ай бұрын
Is it true I'm a Police Officer?
@bellemusique84497 ай бұрын
Catholic church is like $600. They only require 2 witnesses. That's all you need to get married in church.
@reginaldphillips76156 ай бұрын
Also, I have to disagree with Dave on his comment to the pastor who wanted to live an ostentatious life. Christ was an itinerant preacher, not a high priest in the temple. The celibate, dutiful priest is his example. Not the prosperity huckster with a European car and a mansion.
@bookwormbon4823 ай бұрын
25:26 thanke for saying gals as well :) Means a lot
@rg1whiteywins5987 ай бұрын
And if a pastor is living like a king, and there are people who are working hard yet struggling to stay afloat, and you arent onymously helping them, you are a fraud.
@bettedavis92617 ай бұрын
Anonymously
@mariaportnoy20197 ай бұрын
Eh, bit disagree about the pastor. It's not about having millions , its about flaunting them around ESPECIALLY if your congregation's are poor, its tastless. And sure you probably made the money by making good investments etc but the church often still asks for donations etc. And it makes it seem like it goes to deepen the pockets of said pastors instead to the community. Now sure pastors aint supposed to work for free but again its about the flaunting of the wealth. The bible also teaches about humility and modesty (that ain't just about what you wear). Also important to notice is that most people seek advice of pastors about relations not financial, and while if its a good pastor that truely wants the best for their community you probably should also take their advice about finances etc , most people won't and they aint gonna learn by simply watching wealth.
@aaroncook59287 ай бұрын
Disagree, you can learn it all in the Bible including financial lessons. We should all strive to be wealthy so we can give more. The poor have a tendency to blame others for their bad decisions. I personally feel like you have a caricature view church/bible.
@mariaportnoy20197 ай бұрын
@@aaroncook5928 I wasn't talking about all of the churches ofc , but there are those out there with extremely wealthy pastors that fly private jets or live in mansions and aren't really hiding where that wealth came from... Granted i don't know where this pastor was coming from, and what he meant by using his money for so i answered with that extrem in mind. Also about learning everything financial you can learn from the bible, while you can learn many things from the bible, you can't learn everything from it as current systems didn't exist back then and also many people dont really know how to derive what they read and apply it to their lives, otherwise we wouldn't have nor need any spiritual/religious leaders to begin with.
@MariaEduarda-jw3eh7 ай бұрын
@@aaroncook5928 It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God.
@aaroncook59287 ай бұрын
@MariaEduarda-jw3eh keep reading. You stopped too early. Context is key, which is why you believe wrongly. Verse 27.
@striperkid2 ай бұрын
Yeah Lady, if he wants that cup of coffee, let him have it. Jeez, the things people fret over !
@flowers30363 ай бұрын
Can people living in canada do the dave ramsey program
@gglucidox33277 ай бұрын
Please where can I watch the full episode?
@BetterManufacturing7 ай бұрын
🤑save and invest everyone!🤑
@super12345678910117 ай бұрын
Love you Dave!!!
@linusnilsson23776 ай бұрын
I will graduate in june and my girlfriend has graduateted we will have a combined income of around 800 tousand swedish a year and now we will be renting for around 6000 swedish a month = 72k we will be living there for at least 1 year how should think about this we have a combinded debt from studies for about 800k should put some money into clearing our debt now or not?
@republicunited21836 ай бұрын
Make sure you have shelter, food, water, basic necessities, and pay off debt!
@dianemorris35367 ай бұрын
You can definitely get a divorce without a lawyer and without child support if everything is agreed upon.
@ppybmjc5 ай бұрын
Child support is the right of the child, parents can't sign it away. It's determined by a fixed formula in most or probably all states based on how much custody each parent has and what their incomes and other obligations (i.e. other kids) are. State doesn't want to end up giving support to a parent because they gave up child support from the other.
@jingzhai55827 ай бұрын
Can I still receive yearly depreciation of a rental property if I paid it off ? Thank you !
@andrewsnyder92625 ай бұрын
Yes. You just won’t be able to deduct interest paid on a loan after it’s paid off.
@matthewmarston51497 ай бұрын
Uncle David ❤
@exmx7 ай бұрын
I just looked for your book Baby Steps, so your older books also popped up and except for a hair more grey, it looks like you haven’t aged a minute.
@user-uy9jw2zj8r7 ай бұрын
The guy who is Catholic and getting married in the church in 2 years is not consistent with the Catholic teachings of the church. He needs to go talk to the priest and discuss their plan.
@malobeastt7 ай бұрын
Kristin is lying so much, I can tell by listening to her. Something else happened at that restaurant that she is not saying. She goes from one restaurant to another, then she gets let go; then she gets two interviews and they didn’t go through. She must of broke policy, stole money or quit from that last restaurant. I’m sorry but that’s how I see it. You don’t work two weeks at a restaurant and just get let go because you aren’t the right fit.
@alizewaqas6 ай бұрын
what episode is thisss?
@VintageStereoCollector7 ай бұрын
What’s the point of that making $200k a year and the money is disappearing sounds ur still poor lady cos u have too much debts
@taylorkraus94915 ай бұрын
How do I do baby steps starting with no debt ik instead of getting out I can stay out but what else am I supposed to do
@sudarshanrijal35167 ай бұрын
How can I ask question?
@bettedavis92617 ай бұрын
Call in when they're live, in January.
@enearossini22413 ай бұрын
which mutual funds pay you a 10% ROI per annum ?? I dont live in the USA but here in Italy it is sci-fi. By sci-fi we mean gullible.
@jorgeirizarry59715 ай бұрын
What exactly about being a widow for 15 years has to do with you not having a retirement fund? It's being 15 years woman!!
@hydspirit4 ай бұрын
Dave Ramsey team get Mr. Money Mustache, J. L Collins on fot an interview
@elchapojr62197 ай бұрын
Last lady go be a CNA
@VintageStereoCollector7 ай бұрын
I don’t understand this people they’re making good money a year but this people in big debts,What kind of mentality is that Dumb moves this people are making no common sense at all
@bettedavis92617 ай бұрын
These, not this
@republicunited21836 ай бұрын
Buying too much material things, etc.
@skiddysm6 ай бұрын
Nahhhhhhh live at your parents until you got a emergency fund and no debts and a down payment don't listen to this dude
@PBnjHEMIАй бұрын
😂😂😂😂 guess I pushed a button, yalls deleted my comment wow!
@oceansunsetak7 ай бұрын
My ubs financial advisor said 30 years ago: why pay cash for a new truck when I can take the 20k and buy this stock that will triple your money in 6 months. Well I lost 20k the company went bankrupt. 2008 I bought a new gm truck 15k cash still driving it. New one is 65k. So many people on KZbin getting rich giving Common Sense advice Dave Ramsey's at least appears to be happy the Rich Dad Poor Dad I actually read his book prepares to be a strung out miserable person on KZbin
@rjthomasindyusa7 ай бұрын
Dave has a massive income to buy property. How does a guy making 60k a year afford to buy property cash?
@Jorbad.6 ай бұрын
Time and saving. Say you bring home 3.5k a month try to live of as little as possible with a bare min of 1k+ into savings a month. Truthfully, you will want to try and pick up a second job so that you can at least start packing 2k+ a month into a savings account. Then it's just a matter of 2-3 years for a good chunk of a down payment.
@rjthomasindyusa6 ай бұрын
@@Jorbad.Doesn’t he recommend buying investment properties in cash?
@Jorbad.6 ай бұрын
@@rjthomasindyusa If its an investment property then yes full cash. If this is going to be you first home then it can be worth it to take out a mortgage. So that you are not paying rent + chunking into savings, what you will do then is pay mortgage + chunk more money into said mortgage. But you want a large down payment imo, at least 1/3 the price of home while still keeping a healthy emergency fund. This is only time I would say it is acceptable to borrow money for your first home to get out of paying rent to someone else.
@rjthomasindyusa6 ай бұрын
@@Jorbad. My point still stands. How does the ‘average guy’ become wealthy if you wait to buy rental properties in cash in this market? It may work ok if you have a massive income…. but not on the median household income.
@Jorbad.6 ай бұрын
@rjthomasindyusa it depends on your current situation. Your age and education level, what's your current job, location you live. Are you married, in a relationship or single? Do you have dependents, kids or something other that you are financially responsible for? How much debt do you have, if any? Alot of info needs to be known before you can start your journey to wealth. From the post above, I assume you make 60k a year. If so, is there room to grow in that business or field to increase your income? If not, can you get more hours or 2nd job to bring in more to speed up your journey? If the answer is yes, you will have to sacrifice your time now to increase cash flow to build wealth for the short term 3-5 years. While also increasing your skills in that field or educating yourself in another for a higher base income in the future 5+ years. It will take alot of sacrifice now to build wealth for the future. What that means is the time you spend watching TV, playing video games whatever pleasure activity will need to be cut down first. That doesn't mean cut it out. But replacing some of that time with work can increase your saving a lot. When I started, I did delivery Friday, Sunday night, and all day Saturday. Was about 15-18 extra working hours on top of my 45hr job. It sucked a lot giving up that time. But it increased the amount I was putting into savings by 1k ish a month. Remember wealth builds wealth. The first 5k, then 50k then 100k will be really, really hard but the more you have the faster it builds. It is really hard to understand that it took me a long time even after experiencing it to believe and understand it. It took me 20× the effort and time for my first 50k, and then it did for my last 50k.
@JenniferKays-wk3ym7 ай бұрын
Is that silk stocking music
@ian100644 ай бұрын
Baker street 🎷
@matthewmarston51493 ай бұрын
(They give you 100$ and expect it to buy a tuna boat to 5 pairs of Air Jordans) I'm paid Airforce, Navy,Marines,SSI and 100$ Pif but still only see 100$ Pif.. Rick James ahhhhhhh...
@dieze82777 ай бұрын
How old is he
@4545mjones3 ай бұрын
Why aren't you on tv anymore????
@MrYz250fman2 ай бұрын
The cost of tv keeps going up. Ive heard him complain about it before.
@rjthomasindyusa7 ай бұрын
Its kind of weird how you made a joke about "getting off of Tik Tok"....... but I just looked it up and it seems as if 'The Ramsey Show' has a Tik Tok channel.....
@lesliesmith73125 ай бұрын
60k a year at 80 hours a week is only 14 an hour
@rebekahbrown33535 ай бұрын
Where can you build a house on raw land for 350k???!!!!
@rebekahbrown33535 ай бұрын
Wow that’s amazing! 5 years ago I agree, just like home prices building is nuts. We live in a rural area of NC- not too expensive area. We have had several quotes recently and a basic 3 bed 2 bath home is in the 400k range turn key. I’ll stay in my $800 2,700 sqft house payment and keep my land as investment for now.
@bethmiller75443 ай бұрын
Almost anywhere in SC
@romeylon42044 ай бұрын
ridiculous, she gets the house and he pays for the cae and the kid. why dont them just take all of his money and force him to be a slave for the rest of his life
@jesuisrobert8087 ай бұрын
Why do those guys wear those headsets?
@rorysiggins27527 ай бұрын
So they can hear
@amara19547 ай бұрын
42. Too late😂
@macpduff21196 ай бұрын
Thank God they don't have children. This sounds bad but if they had children, the family courts would be in his life until the youngest reaches 21 or finishes college - whichever is later
@royturner64637 ай бұрын
Ever consider some of your steps are irrelevant and out of date? Accounting for the inflation and average household income rise since... I don't know... Inception of your baby steps?
@skiddysm6 ай бұрын
What he needs to do is get that kid and the house and the car and make her pay child support
@matthewmarston51497 ай бұрын
Am I the CIA
@LMcBee7 ай бұрын
George needs to slow down, he cant wait to jump in when someone is mid sentence. Practice listening Mr Carmel
@jonathanhayhurst39287 ай бұрын
Dave is really telling a 50 year old widow to plan on withdrawing 10% of her retirement balance every year. Shameful
@jonathanhayhurst39287 ай бұрын
She'll have $500k in 15 years, but that's before inflation, which eats into it. Dave's advice was appropriate (start saving), but she will feel like she can take the equivilent of $20k/yr after a more conservative withdrawal rate and inflation are taken into account. With a paid for house and social security she should be fine.
@WelsyCZ6 ай бұрын
He was only giving an example. The main advice was to go to the expert he mentioned to make calculatipns with. The 500k thing was s rough example to tell her she is not in the shits and that she wont go hungry and cold.
@Morgaide6 ай бұрын
Dave didn't say she was withdrawing 10%. He said she will be getting 10% on the investment every year. So if she doesn't touch the sum invested she will have 50k (if 500k invested) every year. The 500k will still be there
@ppybmjc5 ай бұрын
@@Morgaidewhich is a ridiculous assumption and a short path to ruin in any kind of down market when you can't afford to lose much principle. The long term average of the market (before inflation) may be 10-12%, but that has never meant that it returns that steadily every year. Some years it will gain more, some it will gain less, some it will lose money.
@mickfanning936 ай бұрын
So the debt snowball prioritises small balances, regardless of interest rates? Sounds like a terrible idea
@LhasaThailand5 ай бұрын
Remember when this 'Financial expert' called everyone that bought bitcoin stupid 10 years ago at 500 bucks. How we would all lose our money. Good times.
@AnointedOne4God6 ай бұрын
Paying off your wife’s student loans is wack advice. Let her pay it off during the course of the marriage.. That’s just irresponsible money advice.
@kevinjames61205 ай бұрын
When you get married you become one. There’s no his debt or her debt. It’s their debt
@AnointedOne4God5 ай бұрын
@@kevinjames6120 it’s bird brained advice like that, that gets men into trouble.
@gwaapgutta85537 ай бұрын
MEN DO NOT GET MARRIED, IDC WHAT RAMSEY SAYS, HE'S OLD AND DON'T KNOW WHAT GOING ON TODAY. I BEG YOU TO NOT GET MARRIED. YOU CAN'T LOSE A GAME IF YOU DONT PLAY IT IN THE FIRST PLACE.
@kashiro24927 ай бұрын
She will only stay ur gf for so many years bro that's why u just take ur time dating so u stack the odds in ur favor to win
@Ninjaflyingpinkducks7 ай бұрын
There are still real men *and* real women out there. 🥂
@rosstacoman59107 ай бұрын
Be gay that way you have equal rights in the court
@bettedavis92617 ай бұрын
Yeah, I don't think women should get married, either.
@kiddorot38486 ай бұрын
That's such a lonely life, lol. Even if you have a girlfriend that u live with, after enough time passes, you're common law married. So if anyone were to follow your advice, they can't even have a serious relationship.
@erminiorizzo33267 ай бұрын
You should use some money on hair implants, whoops it won't get you any return, sorry.