Stop Complaining About Your Life and Do Something To Fix It!

[@liveyourbestlife143]

I spent all day yesterday paying off the last of my debt. It's a long road but waking up today debt free. Best morning of my last 43 years.

[@yipster9986]

Are you counting your time as a child in that 43? If so, makes it seem worse than it actually is because that’s at least 43-12 so 31 which is less “WOO” than 43 😮I like the specifics

[@auburnanger6679]

​@@yipster9986best morning of their life.

[@RandJ1996]

Dave is the best...show just needs him. Without him its just not the same.

[@beverlystockton7449]

I like the rotating mix of the entire team.

[@R0bertJ0hns0n1983]

True,, however it's been the direction he wants to go, nothing changes in the teachings :)

[@RobNorton]

Torch has to be passed on for the legacy to continue. He knows.. he's doing his best to find great talent. Some good ones I think..

[@chrissabin3492]

Totally agree .. hard to listen to anyone else.. I appreciate his wisdom .. others are frankly too young for me to truly respect

[@KC-dr3cg]

@@RobNorton George. John, Ken bring thoughtful comments based on ever evolving skills. Just regurgitating the baby steps by the others is less appreciated

[@coribeining4082]

😂 Watching Rachel's face during Dad rants is probably my favorite thing about watching instead of listening.

[@Kevin-if9kw]

Dave is a Top g👌🏼 started watching 2-3 months ago and finished paying my car off 2 weeks ago. I appreciate everything y’all do

[@proper.role.model.819]

Dave, you and your team are so life changing and wake so many of us to the things that SHOULD matter, and we THANK YOU for that! (Although you'll never see this ha-ha!) I still want to say Thank you for bettering my life and waking me up!

[@THUYTRAN-sp3om]

I adore this father and daughter’s relationship and the show is excellent with both father and daughter in it.

[@_sambfilms]

Tim is the goat!!! best debt free scream of 2023

[@gingermiller3329]

It gave me goosebumps and tears all at the same time. I could feel his joy!

[@kevincooper0]

In my opinion, one should live below their means & invest early if they want to get it right eventually.

[@callumfrank]

I believe in this philosophy too but it's easier said than done. I’ve tried investing in the stock market several times but always got discouraged by fluctuations of stock value. And I do live way below my means fyi.

[@kevincooper0]

@@callumfrank Maybe you just don't really know what you are doing just yet. How long have you been trading stocks?

[@callumfrank]

@@kevincooper0 Not long but I understand the basics. Maybe about 3 months now.

[@kevincooper0]

@Owen francesca Yeah, just my thoughts exactly francesca.

[@callumfrank]

@@kevincooper0 So what do you suggest I do, I don't know any credible consultants. Do you know anyone? One that I could verify?

[@wild_style]

I love that Dave asks people what they do for a living. I wish that the other personalities would ask that of high income earners.

[@carlosalvarado9013]

Dave is the best. Love the Ramsey Show! The show without Dave is not the same. He makes the show interesting

[@bonniehalf-elven]

My brother and his wife just bought the small home next door, which they wanted to do, anyway, and are renting it to our mom. She is paying the mortgage payment for them (they are not on the Ramsey plan). It's worked out so far. They learned, when she stayed with them for a few months until this transaction was complete, that she pretty much keeps to herself, but they like that she is nearby, where they can help her if she needs it. My brother is very handy and can fix lots of things. She feels good having them nearby, as well. It's not a good idea for everyone, and financially, I would not have done it if I were in their shoes (but they didn't ask my opinion and I didn't offer it), but for now, everyone's happy.

[@Nissan-hz8zh]

dave is back. fired up, cursing and yelling. ha. ITS GREAT!!!!!🤣😄

[@beez2013]

Thank you mr Ramsey honestly you are a family tree changer and I get encouraged every time I listen to you and all the personalities.God Jesus Christ bless you and your family always💕

[@peculiarsouls]

I pray you we got Dave Ramsey in Canada version especially here in Canada!!! We need you here!! Please 🙏🙏🙏

[@PCKA1987]

Been missing you, Dave! Looking forward to the entre leadership theme hour!

[@anthonyb755]

Best quote “ I’m confident not arrogant” 💯 facts!!

[@richeyrich2203]

Dave makes the show. Seeing as I’ve been with Dave the whole time, I probably won’t be listening anymore for the episodes he isn’t on. The show will morph into a different thing when the other personalities take majority of the airtime.

[@jenniferdufour1302]

In Canada 401K would be RRSP IRA would be IFSA and 529 RESP. I wish also there would be Smart Vestor here but Dave explained why ..thank you

[@mmp495]

Yay Tim!! Congratulations on your freedom🎊🎊🎊. Love your spirit!🙌🙌🙌

[@mmp495]

@@nannettegonzalez9889 Not only do you have no car payment but the true freedom is not caring about what others think of you. That's awesome! Keep going 👍

[@kristih13]

I felt that debt free scream! Happy to hear about his commitment, grit, and passion for financial freedom 🎉 Dedication!!!

[@JoseCruz-indaWorld]

This is one of the best shows I have listed to. I learned a lot. Great job Mr. Ramsey and Rachel.

[@terryrutt6063]

talking real money is good too

[@mcmahenc1]

Dude makes 250K per year and has 32k in emergency savings and needs Dave‘s advice on whether to fix a major roof leak? Really?!

[@jojo-l7431]

So we where thinking the same way…. 😂he has some huge issues to handle.

[@judypeterson803]

I'm wondering why the woman whose mother has ALS will have a $250,000 medical bill for the ALS clinic. My husband passed away from ALS, which he struggled with for 3 or 4 years, and our insurance paid the medical bills. Does she not have insurance? She's 70 years old, I think she said, so she's got medicare at least. Also, once he was diagnosed, so after a couple tests, we only went to about 3 appointments (besides feeding tube installation). There's no ongoing treatment to do. I don't understand the expense for this clinic. She sould look into this and see why they're projecting $250,000 for treatment. I hope it's not preying on people in a desperate situation and unethical. I'm not being rude or harsh, but the reality is there is no treatment and if her daughter has moved home to care for her, there's no medical expense that insurance doesn't pay for.

[@FitforFiftyish]

Poor Mark. Bless his heart.

[@erikaspencer5339]

Dave is the Show!

[@src4409]

Dan, I bought my first house when I was 18! Best decision I ever made!!

[@maribelrodriguez4280]

Amazing, I felt the power in the debt scream. Love it.

[@marciabinninger2840]

Oh my goodness!! I wish we had some of the money that these people have. My husband got fired last month for having his gallbladder out. He’s back to work for a new company. I ended up in the hospital 2 weeks ago for 6 days for a strangulated hernia. I’m meeting a surgeon today to get that fixed. We can never catch a break!!!

[@jenniferremy7854]

I love seeing Dave and Rachel together ❤

[@leslieaharden6183]

Dave Ramsey for President!

[@EmilyLucille523]

My favorite duo!!! 😍

[@Ella_EW]

Tim, I felt that DFS!!! Congratulations!!

[@actuallyterry]

Imagine being Dave's friend and bringing your leased car around to show off 🤣

[@chrysopigilazarakou5113]

🤣❤️

[@thealexandraway]

That's embarrassing 😂

[@paulswilley3737]

No way would I do that

[@danjuhas3094]

i can say a thousand things about why i disagree with you folks-- but. results matter. i did my own financial correction without you-- debt---free 110%. but i come back to you for friendly reminders. love you folks! all i came to say!

[@jasondima1411]

Congratulations Tim!! What an inspiring story! You really motivated me now 🎉❤

[@thealexandraway]

I love his Tshirt! It's so awesome 👍🏻

[@jasondima1411]

@@thealexandraway same here! I want to get a t-shirt like that

[@Nigriff]

Tim is the 🐐

[@marleedavis1741]

In Canada invest through your TFSA first until you max it out so everything is tax free. There are also no rules as to when you can withdrawal from your TFSA, but you do lose that contribution room for that year. You can use this account for short term goals as well as retirement goals since you can withdrawal at anytime and everything that grows within the TFSA is sheltered from tax. Just be sure not to exceed you contribution room which is different for everyone based on your age.

[@PhantomPirate1776]

Wow! Tim's story is so encouraging!

[@gourabsarker9552]

Dave is the boss

[@revansCAAD8]

Shame suddenly now getting KZbin ads!? A real issue walking/exercising while listening here.

[@lien-chinwei4815]

It is very true that as long as finance is ready, it is always good time to buy "residential" property for own usage. For "investment", that is totally another topic and consideration. Just want to emphasize the difference buying for "residential" purpose or "investment" purpose.

[@raakheesinnen3004]

Happy Belated Birthday Mrs. Sharon Ramsey, May you stay bless always - Ameen

[@sharonhalk8679]

Mom says: “In this house, we don’t talk like that because we are not trash.” Child hears: “Mom is saying Dad must be trash because he talks like that.” When a child is part of both parents, you have to consider how they perceive it. I would stop at “we don’t talk like that in this house”.

[@OopThereItIs77777]

That's what I thought too. I think "we don't use that language in our house." would suffice.

[@lovecats6856]

Maybe dad should not talk like trash.

[@mattye6679]

I love this show. I am more inspired every time I watch.

[@45jessiemad]

Dave and Rachel have me rolling with the trolling. 😂😂 Love this show.

[@185chargers]

What kind of animal could ever send someone as sweet as Rachel hate mail? SMH

[@christoperspeer2300]

You should be teaching people to get out of storage areas.Most people don't have $1,000

[@monicadrolet2012]

Way to go Tim!!! 🎉

[@MitchDore]

More Dave!

[@mioangel1227]

I love you guys! You are amazing! 🙏

[@R.G.2511]

Rachel is so likable.

[@purainteligencia]

RAMEN spitting hot fire!

[@WindersAdventures]

Thanks for giving us helpful tax advice in regards to our trip to south america in our bus!

[@robertrosiello6507]

Our grill is rotting apart, told the wife not yet, I can not bring myself to dropping $250, and I ...LOOOOVE... A NEW GRILL😊

[@rena_vations]

I started paying my debts since she watching dave 🎉🎉

[@beckymigdal3140]

Marquita is a wonderful daughter.

[@tmusa2002]

Why are those tarps always bright blue! I needed a couple of hunter green ones last year for my roof.

[@christoperspeer2300]

Value in storage area but pay $100a month or $1,200 a year. Teach people to get out of storage

[@oscarusestools]

Asking him is it a good time to buy a house is like asking a car salesman is it the best time to buy a house. I would just do low ball offers or 15 percent less. Maybe have seller cover some closing cost. Federal reserve just said houses are still to high.

[@JoshuaVensel]

Way to go Tim!

[@igot5onit423]

Just the fact that he went on that whole soliloquy let's me know that he obviously cares about the trolls..

[@amireallythatgrumpy6508]

He obviously cares about how stupid and hateful society is becoming.

[@heatherphillips2715]

Damnnnn I just can’t get enough…. 🤙🏾

[@morbuenogroup3092]

Rachel darlin’…..so lovely and smart! 😘😘😘

[@beckyelliott2871]

Get him into the children’s program for teaching the basics of money management.

[@Spankmepink]

So sick of rich people calling in because they can't pay off a bill that'll take a 10th of a paycheck.

[@kimduyennguyen5433]

Beautiful of Rachael!

[@carolannstevens5814]

I agree … beautiful Rachel 💝

[@mmkvoe6342]

Dave now says "they don't get a vote." :) Correct me if I'm wrong, but Dave used to express that idea, but in different words. The new team rubs off on each other.

[@amireallythatgrumpy6508]

He's used the phrase "they don't get a vote" for decades.

[@Nigriff]

Giving wife 10k to sell house sounds like bribery.

[@skate4lifejm4eva]

When Dave said “or they’re arrogant” at 14:45 he had a flashback of someone 😂 you could see it in his eyes Edit : 14:35

[@mariadchampin-leugoud9480]

Totally agree without Dave Ramsey it is just not the same

[@christinewallace9251]

Good episode

[@fromthesouth83]

Please change the name back to The DAVE Ramsey Show! Without Dave it ain't the same. Only watch when he's on.

[@crystinecleland4576]

Just started this show but man lol Rachel doesn’t look like she’s in a good mood. Suuuuper forced smiles 😳😬

[@GarthScrivner]

You can't roll over the whole 529, only up to the Roth limits. Poorly done!

[@GarthScrivner]

Any amount of money that is rolled over from a 529 plan into a Roth IRA account will be subject to the Roth IRA annual contribution limits.

[@ronstefanelli]

One thing I don’t hear enough is that the wife is responsible for 50 % of the debts even though she contributes less than 50% of the income.

[@colleengarcia7752]

What is to stop her from getting another irs Lien in the next three years?

[@celularphone]

Nothing but if she sells the house he is no longer cosigning anything.

[@benjaminpauldimedio]

if you cant buy it cash , dont buy it

[@yerneedsry]

Up and move to Georgia you two dont know what job you will have there? how do you do that.

[@TheyCallMeJTK]

Why doesn't the mother just transfer the home to her kids?

[@romanlopez3129]

I’m in bankruptcy, I do have only around 70 dollars in my account. 😢

[@purainteligencia]

I'm in BK and just got to 7k saved. Scheduled to save another 3k in Feb. Work the plan. Get debt out of ur life, lower your expenses. Get ur income up. Time to crush!

[@slidegirl9166]

There’s never been a better time to work two or three jobs

[@joaquincaliz3191]

He dropped the b bombshell 😂

[@jankrygier1607]

Just saw this clip because I watched the previous video - Rachel Cruz show. First 45 seconds here - why does Rachel look so sad/uncomfortable? Just me? Or does she not want to be there? She is usually smiling and bubbly. Total lack of enthusiasm in this moment.

[@melissahood2960]

Maybe she's just having cramps or something. Everyone has off days

[@bettedavis9261]

So, does Dave consider everyone who doesn't agree with him and/or the personalities and expresses their opinions, to be trolls?

[@emotionalperspectives]

She is calling father Dave… being professional

[@axesofevil9]

Stop complaining, unionize

[@slidegirl9166]

Randy, seriously

[@KC-dr3cg]

Rachel's comments about the rates not staying this high are immature.. she thinks these rates are not going to stay this high forever She is wrong about how long it's going to be for rates to drop back down to 3%.. I hope nobody seriously takes her advice because she just doesn't know what she's talking about

[@amireallythatgrumpy6508]

Sounds like you're at one extreme, she's at the other and reality is somewhere in the middle.

[@Nitro91]

20k for 1 semester ?? Just for her to party her brains out .. idk kid needs to pay there own way it's different when your paying for it

[@52weeklyPips]

Different episode with the same bad jokes.😊

[@LocaW8ta]

The traveler to South and Central America....ummm no. Just no.

[@sarahburggraf907]

Why do ppl even bother asking dave how he's doing... And would it kill dave just once to say im ok how bout you

[@ses-ei7oc]

I wouldn't feel right! haha

[@geraldtisch7270]

I want to hear common law partners side of the story

[@lovecats6856]

Stop playing house.

[@thomasmorrison3279]

I love the show, but they are always trying to sell something. I think it is bad for Dr. D. to sell books on conversations with humans.

[@SweetThing]

Your show might be demonetized because you are using copyrighted music downloaded illegally from the internet. You might owe Gerry Rafferty some money for playing Baker Street. You should know better than that, Dave! 😵😵‍💫😮

[@michaelaweatherman7682]

Is this a joke 🤣 Dave has been using Baker street forever, on the radio and KZbin. I'm sure he has not been using it illegally 🤣

[@p.sherman3158]

Dave’s vacation didn’t do him any good.

[@desco7628]

😅lol

[@charlottemills7949]

Congratulations Tim 👏👏👏

[@bettedavis9261]

What do you mean his vacation didn't do him any good? Am I missing something? Never mind, I think I know what you're talking about.😉