Stop Only Listening and Start Applying!

[@kimberlybotkin7060]

I absolutely love when Dave calls men ‘honey’ 😂 He is one of a very few that can pull that off

[@michelleparks4582]

I was like umm, did he call that man honey? Well, ok then! Dave just busted out a bless your heart to this man! 🤣

[@utarsh01]

See it's not about honey, they are so fked up in life that they could care less for what they are being called on the show. They want answers not trade insults. 🙂

[@onehamm4462]

😄

[@soneitenco]

same he’s so sweet

[@XxN8iVeSc0uTxX]

That was kinda cool huh 😂

[@Ronnfn360]

They are straight to the point. No nonsense! I love it. No sugar at all

[@Bumblebee-jl3ur]

I love Jade and Dave combo. They are perfect together.

[@CoffeeWithFred]

Jade is a keeper Dave! Nice smile, good advice, and great energy on camera!

[@janegem5481]

Jade is my favorite cohost. She deserves her own show as well!

[@Razdasoldier]

I hope this make it to Dave. I am so proud to say that after giving your book to my sister and mother they have both decided they have had it!

[@Razdasoldier]

Mom signed up for doordash, I am donating plasma, and Sis and I are both going to sign up for doordash

[@bluebelle9572]

Well congrats to all of you! Stay strong the journey is different for all, but worth it. You can cheer each other on.

[@flygirl2447]

"You can't let ignorant people make your decisions for you and set up the boundaries by which you run your life" YES, Dave.YES. You are 100% correct! Too many people allow this and it sets them up to be victims their whole life. Every person on Earth has their own challenges to overcome. That's just life. It's what you do in the face of the challenges that determines your outcome. If you want mediocrity, then keep being a victim. If you want more than that, change your mindset to someone who has abundance and gratitude in their life and who will be resourceful and work hard and sacrifice their wants and instant gratification for the bigger picture. The great thing about changing your own mindset is that everyone has this power. And it's amazing how God makes a way for those who help themselves.

[@blondebody5187]

I have to say, my husband and I were HIGHLY disappointed by the event in Indianapolis. We got there early and we’re immediately told there were no seats left (there was at least 100 people standing behind us in line too) and told we could watch it on a TV outside. I said I would like a refund if we have to watch in the screen and they said no. They said they could probably get us in somewhere to see the event and so I stood, pregnant, packed in like sardines in a spot in the very back where we could not see in any way. I clarified with someone after why that happened and they said Ramsey just sold as many tickets as they could regardless of capacity. We were not offered any sort of money back and will not be attending any other events. Sadly we were very excited for this and didn’t get to watch at all!

[@AnyoneCanResell]

I love jade! Her voice is relaxing and she’s very motivating too!

[@vanessahernandez8908]

I love this show!!!! I’m learning something new on every call even if it does not apply to my current stage in life.

[@nakeyagore8356]

Same! It's so impactful, particularly if your family didn't have or share this knowledge. I'm so grateful.

[@Mikemikemike232]

"And now I have new bushes" that line cracked me up. Love the show love the honesty and sincerity. Keep up the good work.

[@_Renee2]

“Necessary endings” Jade is awesome! Your mindset determines your destiny. Dave’s no nonsense, no time for tears, find a solution and get moving (yet delivered with compassion) is truly a gem!

[@av-lz5db]

So happy to hear sound, solid financial advice from the master, Dave.💲

[@Razdasoldier]

Better Dave the master than from master card xD

[@mmp495]

A billion dollars to mark the debt free screams! Congratulations! Great things from great people. 🎊 👏 💐 🥳

[@lindyf381]

Wow! Congratulations Billionnaires - well deserved. Watching from England. I love the 'No BS' straight talk of this show. Its my favourite show. Love you guys. You do an amazing job.

[@kaelaleedaley]

Watching from Wales and loving the straight talk! :D

[@dianawilliams8801]

Listening from England too

[@Trustbutverify2651]

I think maybe it's millionaires, not billionaires? Most billionaires would not be watching this show - they are flying around in private jets, taking care of their businesses.

[@NaturalWifeyandMamaBear]

JADE, YOU ROCK! You’re an AWESOME addition to the family! KNOW THAT, AND IGNORE ANY OF THESE NEGATIVE COMMENTS! Love y’all! God bless.

[@ruthirwin8222]

I love listening to u guys, i have no debt, but am spending too much so this month that stops and im putting as much as posdible away, have Christmas baking done and shopping nearly done and its not even november yet

[@olgasuner999]

It’s amazing the work that goes along with what Dave and Jade do. It takes a lot of listing educating, responding which can be draining. It takes a lot to seat and listen to every individual’s problem and try to come up with solutions that are helpful in a long run. I do this type of work and know how much time and energy it takes. Good for them for the show they got and work they do. 👏

[@rivkacohen5901]

Jade is amazing!!! I’m so happy they have her on the show now. Such a strong, confident and kind woman to listen to and look up to.

[@thegroovypatriot]

Thank you so much. Jade saying mindset was more important than anything systemic is profound. It reminds us the we have the power to change. We are empowered! Gorgeous.

[@beez2013]

Great duo with the goat of finance . So grateful for all you do for everyone 💕you are a timeless hero mr Ramsey

[@warrior5203]

Young lady! You have substance and testimony of your own which makes your talk concrete and inspiring! Thank you! Dave Ramsey! Finally i understand what you mean by debt is just mindset of a number not how much you make !

[@halfmoonyogi4997]

Im READY to be debt free. Got myself a part time job and a raise. I'll be working 60 hrs a week for the next year. I've been here before but every time I throw money at my car payments, something happened to screw me over more than 1k could cover. I totaled one and was left with no car and no savings, and the next one had a recall on the engine that the dealer and manufacturer wouldn't acknowledge until it was too late. Again, no car, no savings, so I couldn't get to work from a rural area. This time I am doing it again, but I will have 1k emergency fund AND be one month ahead on all my expenses, so I feel more secure throwing every cent at the debt, knowing I can eat and have a roof over my head for the next month and a half. I wonder if Dave or anyone else following the baby steps ever thought to add this step in there?

[@37ccooper]

Hi I been looking @your show for a short time and I never heard no one teach about credit and saving the way u teach and I’m so glad for your show and I’m saving money now Thanks Thanks Thanka

[@leslieaharden6183]

DAVE RAMSEY for PRESIDENT 2024!

[@Razdasoldier]

Congress couldn't handle it

[@SJhikes]

I am really pulling for Jarixa. I truly believe that she will use capitalism and the Ramsey principles to escape government dependence! It’s still possible 2023!

[@p.sherman3158]

I hope so but my thoughts during that call were she has 5 points on her license which is serious and claims to not know how that happened. I really don’t understand why they were so “moved” by her. She has made horrible decisions and never owned up to them. I don’t understand what they heard in her story.

[@SJhikes]

@@p.sherman3158 yes, that part did strike me as odd! As someone who was recently in a fender bender due to someone being totally oblivious while driving down the road, it’s also concerning lol

[@diananixonbowerswright1913]

I understand their compassion and care. She's a young single Mom that made some mistakes for sure but called the show worried and for help. I wish her well and success out of the mess she's in.

[@lizrozon6308]

Thinking about signing up for her class. I have a feeling I’ll get whipped into shape!

[@carlagribi6142]

I remember how painful, ashamed and downtrodden I was, flitting between wanting to pay my debt and file bankruptcy. This played in my head for lots of painful months. I prayed on my knees and in my heart wrenching with my decisions. I eventually came to the conclusion to honor my debt. Shortly after that, God released and settled an Irs thing and started to get clear of the debt, not mortgage (death grip), and became free of debt. Closed all cards and walked free of financial obligations. It was long, painful, and hard. Sometimes humility is required.

[@chickapea22able]

I think Jade and Dave compliment each other really well ☺️

[@topsykretts2264]

Love it when Dave gives insights on small businesses!

[@nilsagomez1]

I'm not surprised that you have 1 billion viewers or a Billion Podcasts viewers this country is hurting financially there are a lot of people who need financial peace thank you for everything you do

[@alinejames2783]

Yes! Jade and Dave are so right! Anyone can go ahead! Don’t have a victim mentality and get better in life! Love your show! 🥰

[@Iamjennyjbrown]

Dave and Jade you rock awesome team. Thanks for you help. I am listening.

[@lilibethvilella]

Love Ramsey’s directness 🔥 we need that!!!

[@francoisduquette4588]

The last 5 minutes of this episode was wow! business lesson for free! thanks Dave

[@viaaki2247]

Loved Jade follow up question too, very informative show.

[@savanah1407]

Yay for all of the Billion milestones!! 🎉🎉🎉

[@CoffeeWithFred]

Congratulations to you Dave and your team!! You all are wonderful and what you do is amazing!

[@sherriewagner1737]

I love the Ramsey programming. Thank you.

[@sherriewagner1737]

Mr. Ramsey. I have always believed it is never too late unless you never start! I am age 73, divorced, 150,000 savings, I have no debt, cancer... Financially, I was squeaking and started taking a draw. How can I keep more of my money.

[@lindsaycloud2905]

I really like Jade, her energy is fantastic!!

[@ancillaasa70]

Thank for being there for us

[@amazinggrace8136]

Congratulations Ramsey Solution!

[@elizabethjennings5175]

Hey! Great vid! Would you be able to show some clips of how your new house is progressing?? And maybe some of your design ideas? I love the content you’ve been creating…all of it! I have been super inspired by your health journey too!!

[@msnconreed]

I used the homeowner and car insurance from Ramsey and they are awesome

[@bonitab6498]

I need to check out one of his elp's cause I know I'm overpaying

[@bearsfunnypages]

This is the Ramsey method. Love it

[@michelleparks4582]

Jade & Dave said, don't talk about it , be about it!

[@davel2456]

She is cool and intelligent

[@evahernandez3727]

Gotta Love a smart man… in love with Dave’s brain 😊

[@Mo.Is.Queendom774]

Realistically, THERE WERE AND ARE HUGE OBSTACLES THAT WERE IN PLACE FOR a lot of people of color, PERIODT! I am glad that Dave pointed that out and acknowledge it! One thing is for certain, this information is universal and can be applied to all. It will be TOUGH for a lot of people, but eventually it can be done. BY THE GRACE OF GOD, and HIM only!

[@OHPancrat]

The advice on when to end a relationship was helpful today

[@GoatkuEditz465]

Great show Dave !

[@anthonydelgiudice3245]

Just starting watching love the show

[@jenniferflynn2722]

That is not true about insurance companies and checks being written. Many Many People in Lee County are not getting any money from their insurance to repair their homes post Ian. Even lawyers are not having success, it is a disaster. Also, many of the insurance companies are just totaling people’s homes when there is not structural damage because they are now a 30 year old home. Insurance companies are raising insurance premiums to well over 8000$ a year on simple homes that sustained no damage and claimed nothing. Only people who are mortgage free can opt out of insurance until the price gouging stops.

[@melodiekarge]

Love this show and the advise, but the single mom with 2 kids who is considering selling her vehicle to avoid the $600 insurance payment is expected to work all these jobs to get ahead, but how does she get her kids to daycare/school while she works? Hmmm 🤔

[@djchristiani]

Hard work, exhaustion, and sacrifice for a season.

[@SJhikes]

The caller mentioned public transit was a viable temporary option. The car note was 400 so she would be looking at around a 1,000 swing in her budget

[@thebestthingthatneverhappe6729]

Dave said why don't they call it a SHEloc 😄 Everytime Dave says a partnership is the only kind of ship that doesn't sail, I immediately think of a spaceship

[@actuallyterry]

Friendship

[@actuallyterry]

Courtship

[@actuallyterry]

Ownership

[@actuallyterry]

🤣

[@fernleafmedia]

New Zealandship

[@viktoriavak4117]

Thank you for this show! ❤🎉

[@travelnurseadventures3225]

Congrats on the ‘billion dollars paid off’ 🎉 Found Dave on KZbin 🎉

[@diananixonbowerswright1913]

This one breaks my heart. Only 31. Sad. My husband is battling an inoperable Brain Tumor. It's tough but we are battling.

[@freespirit6209]

♥♥✋

[@ryanjackson4597]

Don’t forget the viewers in the UK

[@m.manning9026]

@1:16:42 HIS ANSWER FOR EVERYTHING 🗣🗣

[@autismcleaningkatereallife897]

I also can relate to her. I live in Section 8 housing and a single mom of 2. The "system" sucks. How can us in this get out and get further? I HATE where I'm at and I don't have much debt.

[@pamsmith1665]

Do you have a job?

[@autismcleaningkatereallife897]

@@pamsmith1665 I do I have a new job that pays 16 an hr and work part time.

[@lizzas4574]

I was on section 8 years ago and now I m worth almost 250.000 and have a good job. Just do not stop believing and learning it will happen

[@autismcleaningkatereallife897]

@lizzas4574 Thankyou. I appreciate you telling me it's possible.

[@Beautiful77-r1z]

Loooove your show ❤️❤️❤️❤️❤️

[@mattlaeff724]

Maybe the most dangerous Age. Each move is critical in the early Thirties.

[@dc5568]

This lady is awesome!!

[@lejuanbass366]

Buying a used camper would have been better, but there are people that upgrade, as in replace floors etc.. that would help sell at a better price.

[@yaabayusuf]

SHELOC = Stupid Home Equity Line of Credit

[@michelleparks4582]

BTW, I want to see Jade Warshaw e'rryy day pleaseee!!

[@annm.7176]

My father told me never the best into a partnership. What was his brother drawing a salary. Give him the business and on the contract he assumes the debt.

[@deenebrakefield1798]

SHELOC!😂😂😂 My first belly laugh of the day!😂

[@Roy-ur6vr]

The guy who took brother's debt: if business is failing, why not lay one person off and do their job?

[@christinewallace9251]

Good episode!!’

[@helenaroxbigtime]

Congratulations!

[@brookelondon8029]

A friend of mine purchased a beautiful used travel trailer for $25,000, cash of course. . Why do people only buy new ones?

[@p.sherman3158]

My daughter is a CPA and uses turbo tax.

[@bodiestevens9845]

Why does it seem like everyone that calls in makes 150k to 300k and whining about being in debt. They need therapy not Dave. Average family income where I live is 55k The average house about 275k to 325k

[@amireallythatgrumpy6508]

Dave IS therapy.

[@elway423]

Great DFS from Peter and Maria at 1:48:11 ; she wasn’t on board at first

[@nancybashista4971]

Congratulations!!!! 🙏🎉

[@annettemartinez4063]

What??? I’m a puertirrican and have no debt, driving same car since 2007. That’s ridiculous.

[@cynthiajohnson8463]

Today is march 1st amd jade’s class starts today. Is there time to sign up?!

[@jordanciaramitaro6351]

Imagine the interest not paid on that billion

[@loriguillen8057]

I bet the credit card companies dislike you

[@rosemariemccalla3125]

R.g.m. Dave, I am 69 in a financial rut. Retirement is not even a consideration. I AM AFRAID TO DO A BUDGET

[@joshuab1707]

Chad has an IV of copium. Man that hurt... In no world does a $130k trailer make sense if your justification is to avoid paying Airbnb's/hotels.

[@dancingqueen1091]

if he spent 2000 on renting for 5 years wouldn't it be the same either way? not trying to argue just trying to understand, I'm fairly new to DR

[@joshuab1707]

@@dancingqueen1091 yes you are right. But if their goal was to save money, to Dave's point, a used $30k trailer would have done just as well. Dave doesn't recommend buying anything with a motor or wheels on it brand new unless you have a net worth of $1mil.

[@XxN8iVeSc0uTxX]

I wanna hear the section 8 caller , call back with an update ❤

[@phinxIX]

$1B Congratulations 🎊 👏 💐 🥳

[@Clipahoy]

10 years at 30k. How and why?

[@williamr6945]

Do you close all the credit cards before they are paid off? Then start paying off?

[@romeogreco2635]

Why stay in a job for 10 years without a raise? Is this legal?

[@DaRKWizaRdGaming0]

I can’t imagine working for 10 years and not getting a raise. She’s losing buy power every year

[@annt2685]

Did I miss something? I understand it’s in his name, but it his brothers “original”debt? Why doesn’t he make his brother pay it?

[@fsm12385]

Heloc a contractors and bank dream is back to save the day

[@misterconn23]

Random, but does anyone know what kind of religion Dave practices? I know that he’s a Christian but wanted to know what type. I’m looking into learning more and thought I’d start where I learned so much already. Thanks everyone

[@dianawilliams8801]

He's an Evangelist

[@MsLinaPeanut]

$30,000/year...that's not even liveable-unless you're a young adult living with your parents....

[@LG-zy9dp]

Hilarious Helix you get locked into debt 🤣🤣🤣

[@KidFromQueens]

His Brother scammed him!🤦🏾‍♂️🤦🏾‍♂️🤦🏾‍♂️ Sad but never do biz with Family! People are too entitled nowadays

[@tubenachos]

Some callers don't know when to shut up. Get to the point!!!

[@mrs_arreguin]

Jade is the Hype Woman 🙌🏻

[@Joce123]

No to Jade..jury is in..no financial moxy

[@fqueens9251]

how do i get help

[@djchancla2451]

What are the baby steps

[@paulajeffrey6706]

Google it ,they are very easy to find.

[@tcgtpl]

@22:30 - How many millionaires in your study have small businesses? And how many of those business owners had to take out loans, I.e. debt to get their businesses going or to keep them afloat? Mr Ramsey is correct that consumer debt is bad, but leveraging debt for assets & investing into businesses is a reality of life.

[@kaelaleedaley]

I believe the information you're looking for can be found on the Ramsey website - I think they've mentioned that several times in the past x

[@tcgtpl]

@@kaelaleedaley I’ve heard Mr Ramsey reference this study many times before. While I agree with his fundamentals of wealth building (live below your means, invest for the long term) he really reads too much into the study & makes conclusions that are weak at best and misrepresentations at worst. For example, saying that millionaires didn’t get wealthy because of credit card rewards. Well, no one is saying that. Many people use credit cards responsibly, and the perks help to extend the purchasing power of the money you do spend, like using coupons when grocery shopping.

[@bettedavis9261]

​@@tcgtpl hear, hear! I agree.

[@CG-uk1vz]

I like this woman's enthusiasm, but she overtalks Dave a lot when he's making his points. I hope someone on the team can make sure she sees this because she is a great addition.

[@charmroland5561]

@@Thathat-o7w exactly

[@E.E.F.]

She is actually worse with the other "personalities."

[@joshuab1707]

I'm sure someone internally would have brought It up if they saw it as a problem. They have their style, and I too think Jade is a great addition.

[@Ron-gc1of]

She likes to hear herself talk and quite frankly she talks too much. I agree… she is worse with other personalities and talks all over little George. I won’t listen when I see she is on… just too annoying.

[@thirdintegra]

I have not heard Jade over talk anyone and I listen everyday. I've also never heard her "talk too much". Whatever that means. Maybe some of you are just looking for problems that don't exist.