Money Isn't A Math Problem, It's A YOU Problem!

[@sarabytheseacreates]

I love when Dave goes on a rant and Rachel just laughs🤣

[@heatherwhynot]

Between Rachel's giggles in the background and Dave being SO fired up, this was a great episode!

[@jivepatrol6833]

I appreciate having the show on KZbin so I can listen. I have always lived with zero debt and have had a very successful and rewarding career. It's always good to hear Dave's common sense approach to personal finances. My Grampa was an Irish immigrant and he once told me an old Irish saying is ...."out of debt - out of trouble". Thanks Dave and Rachel

[@Intentionaltia]

I like that! Out of debt out of trouble!

[@Trin1974]

Love this! 😊

[@Investedmathacademyllc]

🎉

[@lindawilson4625]

"Don't give them the deed to your butt!" Great slogan for a t-shirt or coffee cup LOL!

[@margie909]

I wish Dave and Rachel hosted together more often!!

[@Speuler911]

By far the best combo. I sometimes feel the other people change their opinion a bit quick whenever Dave says something different then theirs. I don’t really have that with Rachel. She seems convinced about her convictions even on the few occasions it goes against Dave’s or she sees a different angle to a story. Sorry for the ramble 😂

[@seanpetersen8044]

I like Dave and Rachel and Rachel/george. The rest are great too but this is my favorite setup

[@E.B849]

Same! She’s my favorite co host

[@akamarista]

I AGREEE!!!!!!

[@akamarista]

@@Speuler911😂😂😂 you are 100% right. But if it would be me... I would do the same!!😅😅😅 I think it is a respect thing. And probably with Rachel... They just do it like is a kitchen discussion

[@Raven11177]

Oh boy, that poor young couple has nooo idea how much a newborn is going to change their lives! Wowza

[@ses-ei7oc]

Dave is extra spicy today. Love it!

[@ruthclark8680]

Love Papa Dave when he is at this intensity,.....it is the reason he is the greatest at what he does,.....Financial Peace!!!

[@LordBass]

1:29:00 Dave cutting up physical cards. Awesome!

[@victoriamorris8678]

1:14 "nobody wins without paying a price" Yeees thank you, absolutely love the show, thank you for changing our lives❤

[@cinycaybudgets]

I'm not gonna lie, I got pregnant and never stopped school. I went to physical classes while pregnant, had my first child, and started online schooling maybe 2-3 weeks later as a single parent. I completed my bachelor's in about 5.5 years. If I didn't do that, I can almost promise I would have never went back if I took time off lol.

[@Trustbutverify2651]

And ALL the data show you are exactly correct! Fewer than 50% of students who start college finish in less than 6 years as it is and almost everyone who takes a semester off ends up not finishing.

[@cinycaybudgets]

@@Trustbutverify2651 And I believe it! Even now after stopping, I keep thinking of doing my masters, but I cannot fathom going back anytime soon.

[@pamsmith1665]

Gone back

[@gamergeek8933]

yeah... but she wasn't a single parent. She could have just been a stay at home mom instead. Daycare is expensive and what is more the time away from your child is very expensive.

[@kevinomalley1521]

I love Warpath Dave. The airwaves will never again be the same when he retires.

[@Trustbutverify2651]

He's been back on a lot more this year than last year. I think the show started to tank a bit when he wasn't on often. In many ways he IS the show and it will be interesting to see what happens when he finally retires. I know they're actively marketing now because they are building a $200 million plant. That's a lot to keep up with if the show does not remain strong - one of the reasons they're begging everyone to keep them on the 12 and above podcasts by subscribing and liking the show. Constant marketing now.

[@zachbean1956]

Dave needs to find an old drill instructor hard ass type dude to fill his shoes... once he leaves having that spiritual guide of badass rice and beans guy... none of the new people fill that role...

[@servehim-am6689]

Love your show and plan for money! Wished I had found you 50 years ago! or 20 years ago. Too late for me but I spread the word in my family .... and grands. Best show on U-Tube so encouraging for all. I am and have always used a budget. No other way. God Bless all. a.

[@francesjuntunen4234]

Serve him-am6689 I think it’s not too late! You may not be a millionaire by the time you meet Jesus but you will be so much better off! I am 72, found him last week, only make $20, 400 a year! I drank the kool aid and Will now be paying $18k in debt in less than 18 months! It’s gonna be hard but I’m gonna do it as I don’t want to be 80 and still in debt!!!

[@Demonizar]

What a love about Dave Ramsey show is how they say things in black and white with no artificial colourings. No doubt some scammer with reply to this comment soon enough

[@DebbieBennett-p5v]

Rachel, you do a good job at explaining things to these callers

[@robertschneider3887]

for some reason I love the way Dave says cash 💰 😂

[@MrJeff007rey]

Really love Dave and Rachel together. Rachel actually has her own opinions and doesn’t just mimic Dave like the other Ramsey sycophant personalities. More Dave & Rachel, please!

[@carolannstevens5814]

Dave is thee BEST!!!! Nothing better happen to you as you cannot be replaced!

[@Granzteelvids]

I love how Rachel squeals when she feels cornered lol but yeah the Smart Money Happy Hour is 🔥

[@margie909]

Rachel and George are both so authentic. That cannot be faked.

[@lauramarquez1501]

Meeting Dave Ramsey was my pinnacle, which I had the opportunity to do when I was there a couple of weeks ago! 😊

[@tracyburton3458]

Completely understand the 'special occasion' dilemma. We're not in debt but when family are emotionally blackmailing you to attend a celebration (50th wedding anniversary) involving high-season flights it's hard to say 'no'. Part of me wants to keep them happy but the other part of me wonders if anyone will even notice if we're there or not once the drinks start flowing! We see these family members out of season, but usually choose not to fly in August!

[@SophiaChristian-so2of]

Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.

[@JenniferDrawbridge]

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.

[@MarkFreeman-xi3rk]

Having monitoring my portfolio performance which has made a jaw dropping $473k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market. I must say it's the boldest decision I've taken since recently.

[@cythiahan8455]

@@MarkFreeman-xi3rk I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?

[@MarkFreeman-xi3rk]

The adviser I'm in touch with is ‘Margaret Johnson Arndt. She works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me her strategy works hence my result. He provides entry and exit point for the securities I focus on.

[@AntonioBianh]

I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look her up and send her a message. You've truly motivated me.

[@MoGood2158]

Papa Dave brought the 🔥! Great show!

[@denniszerwas1257]

Dave’s reaction to the Question of the Day coming from Clayton in Texas 😂😂😂 12:06

[@alitaford9046]

“ THIS” IS WHY I LISTEN TO DAVE RAMSEY!!! CLASSIC, RAW RANT!!! I DEF NEED TO HEAR THIS AND TO CONTINUE TO HEAR THIS!!! 👏🏾👏🏾👏🏾💪🏾💪🏾💪🏾💯💯

[@traciireese1449]

Omg Dave’s donut rant is so true but so hilarious 😂

[@jcszot]

For Tyler that is hard. My late husband had a huge family and it seemed like every month there were something. A birthday, a christening, baptism …..money …..gifts. Tyler could go to the wedding and tell his sister that flying to a destination resort for a birthday is just a little bit too elaborate for them ..at this time! Some of the choices are hard and you can’t do everything. It is hard, but Dave is right. Once you let something slip through that crack of your motivated foundation, the whole thing is going to crumble.

[@njvalueinvestor]

Dave is 1000% spot on regarding money should be boring. It should come in, and go out predictably to plan within tolerances. Savings and investments should grow like a snowball. Debt and loans should be worn down. You should not be losing sleep.

[@StephanieBogart]

We got car allowance and then the pandemic hit, my husband was laid off and suddenly we were liable for that car. It was a Lexus. Talk about a nightmare! We had to sell it for what we owed. It took a few months to find someone but praise God we did. Never ever ever do a car allowance unless there is a clause that says they will take the car back at no cost and no penalty. Which I don’t know if that even exists.

[@lilibethvilella]

This father daughter team is 🔥

[@hamakaze1364]

Another sad thing I am noticing is that everything is expected for credit cards. Got fuel and asked for a credit card, not a debit card. Paid my tuition only listed credit card, but still took my debit card. Heck I went to Olive Garden for the first time in like 2.5 years, (wow prices skyrocketed 21 dollars for drinking water), and the thing only said credit card . I think that's a big part of the credit card debt. I preach the ways of life without a credit card, but being people think I'm just *weird*

[@garyhaun]

Wish Dave & Rachel were hosting together more often...!

[@aishatidwell3389]

Some good Dave rants today 😂😂😂

[@stevensalter9697]

love it. dave popping off!

[@mawiyahfield-signorile5554]

DON'T GIVE THE BANKS THE DEED TO YOUR BUTT‼ I can't with Mr. Ramsey...😂🤣🤣 Thanks for the added humor to the truth. I agree and I'm an advocate for living a debt free life because of you. Many blessings to you all!!

[@45jessiemad]

It can be done!! Next month will mark 1 year since we started the baby steps. We'll be consumer debt free by June 2024 if not earlier.

[@motoryzen]

Um..you do realize this is AUGUST 2023..when you made that comment...right? Lol😅

[@45jessiemad]

@@motoryzen oh geeze! That was a typo! June 2024!!

[@Drenwickification]

I’ve heard Dave say many times that ‘back in my day interest rates were 17%’ but that was also in a time where average house prices as a ratio against average wages were much lower. I just don’t think you can really compare.

[@fleetofwjs1893]

1:08:39 and following was Vintage Dave. Just say no, Tyler. Just say no. No is a complete sentence. Everybody and their dog will have a "just this once" and "special occasion" to keep you in debt or put you back in. Just kill that debt off, man, just kill it.

[@342josevargas]

Shout out to all my people that now own their own butts😂!! I’m debt free and halfway through emergency fund!!

[@mihy26]

1:25 * another fantastic Dave rant! hahahaha!

[@mollyh6347]

Yes Dave! Love this Rant!!!

[@candecarro]

Funny! I worked in an office from 1984-1990 where a person in my dept brought in donuts every day. I ate two every day. One day I decided, “never again, no more donuts!” Since then I have had donuts on only three occasions!

[@dennis.teevee]

my fave duo: 1. rachel + dave 2. george + dave 3. ken + dave

[@margie909]

Yep!

[@DevHazy]

John and Dave. John and rachel

[@reginaldjenkins9215]

John...this show is not for him He struggles when it comes financial issues

[@saraleland6733]

Same!

[@nathalieisneon]

Meh I could careless for Ken tbh. I’m kind of waiting for him to get replaced, nice guy just something’s off and doesn’t seem to fit in as well as the rest of the crew.

[@2009polostar]

I shredded all my credit cards. The only card that I had to use a cutting wheel with a 4 1/2 grinder was my apple/Goldman Sachs card because it's made out of titanium. They made sure you could not destroy your card.

[@lioness2094]

Love love this!!!

[@javierramos1157]

"They own your butt and you gave them the deed."😂

[@tubenachos]

Get 'em Dave!! 😂😂😡

[@andrewmcrorie3096]

Thank you Dave

[@ShaneRoberts-u2f]

The guy who wants to fly should start by getting his private on the side/weekends pay for it out of pocket to make sure he has the hands to do it.

[@cantuig]

Dave Ramsey for US President 2024 🇺🇸

[@melissahood2960]

He'd do away with the need for social services by teaching the country about money.

[@akamarista]

LOVE a Dave RANT!!!!

[@seanjean9677]

Go dude! I’m a physician too and I need to get it together!

[@gourabsarker9552]

Sir how much do you earn now as a physician? Plz reply. Thanks a lot.

[@icawn]

Did you see the episode where they showed how statistically doctors are some of the worst managers of their finances😅

[@JohnnyJPatt]

Blanket statements are often times not true. Everyone’s situation is different. However depending on you are it very well could be.

[@eldon80]

Damn my guy Dave went ham for real leading up to pulling out the ✂️’s and cutting the cards up 😂 and kept it going!! CUT MORE UP!!!! 😂🤘🏼🤙🏼

[@Angel42836]

I had a baby and did 29 credits in 1 semester in college and did 19 the next semester after i had her. I was so determined to finish school while pregnant that i even was on the phone while in labor trying to figure out what i could do to get my grade up. The instructor was shocked to find that i was actually at the hospital in active labor and on the phone with them lol

[@catherinewetzel417]

Dave is feisty today. 😅

[@Intentionaltia]

He’s always feisty !

[@sharonjenkins8388]

Sometimes he is for real

[@russg4703]

Love it! I'm with you guys...

[@steve8803]

"interest rates are historically low". Yes, but home prices are historically high. Home ownership is less attainable now, than ever.

[@candecarro]

Dave and Rachel, have you read Vance Packard’s “The Waste Makers”? It’s as true today as it was in 1960 when he wrote it. You’ll love it.

[@Ferrero123]

Dave is hilarious! Love him

[@Historyteacheraz]

Great episode! A Teenager’s Guide on how to Invest Like Warren Buffett and Charlie Munger is a great investing book for teens.

[@MB-gd6be]

@1:29:01 I'm getting Airline miles... Lol !! Don't forget the 3rd one is it yet a trillion in car loan debt?

[@100jakkk]

The rant of the year 🎉

[@lisanur7014]

That’s way too low for a critical care nurse even in a saturated area and even for 2.5 years experience. Go somewhere else…..lots of people are making way more. I made that in my first year many years ago. I have a PA license and there are hospitals offering big bucks there. You could also local/travel and make your pilot school money in no time.

[@pamsmith1665]

He can't move right now. Wife has job contract

[@lisanur7014]

@@pamsmith1665 he could easily do travel in another area of PA then drive back home for his days off. As I hospital nurse he will get 3-4 days off a week and often can string those together. I’ve seen lots of travels nurses do that. When her contract is up, she can travel together.

[@frederickruderman2997]

Did anyone else notice Rachel’s face lighting up, when Dave said he’s leaving everything to the kids?

[@pamsmith1665]

Only if they continue to live the way HE wants them too

[@donnadagostino7717]

Smart money happy hour...yeah. Number one fan here!!

[@tomfagan4082]

Dads tells it like it is

[@gingergriffin6190]

Dave is on fire today! 🔥😂

[@metallifreak100]

Housing prices after the 2008 crash didn’t shoot back up. My one buddy bought in 2006 at $250k, by 2009 it was $175k. It wasn’t until like 2017 that it was worth $250k. Today his house is probably worth around $350k.

[@Kika-rn9tq]

Yes exactly I bought in 2011 and it still hadn't recovered.

[@motoryzen]

Didn't shoot back up. Not sure what planet you think you've been on all this time, but you couldn't be more incorrect. Prices have OBVIOUSLY Increased. If you can't see that fact, ya need to get your head straight and not vote Democrat nor resnublicam

[@jjkatz]

AgreeI bought condo in 2006 at 320,000. value dropped and never went back up much until 2017. Sold at end of 217 for $430,000. Should have waited, value over $500,000. now.

[@matasham]

💯

[@amireallythatgrumpy6508]

@@motoryzen Things can increase without shooting up. It was a gradual increase over the 2010s decade BEFORE shooting up at the beginning of this one

[@motoryzen]

1:01:00 sorry butDave is Correct. Any type of income source that you must check on pretty often a k a do any form of maintenance involving is not passive income. Because, you are still having to be actively involved in insuring that your product or service remains at a highest standard that your customer or customers. We'll want to keep paying to deal with. Facts don't care about anyone spellings about this.

[@SusanLunsford-y3x]

Rachel.....is like. OMG Dad. 😆

[@derekbaker3043]

Why was Daniel Boone in debt? Boone was able to make large amounts of money from his endeavors-all of which he spent, lent without return, gave away, had stolen, or just plain lost. This occurred so frequently that he was in debt for most of his life.

[@jjkatz]

Critical care nurse needs to move . He can make 3x that much in Northern California. Can live in a smaller town and cost of living won’t be that bad. Definitely will make out a lot better at the end of the month.

[@isidorolopez265]

I have a son living in Northern California and I know for a fact it damn, sure is not cheap!

[@pamsmith1665]

He can't move. His wife has a contract with her job for certain period of time

[@nakeyagore8356]

RN can do a lot of jobs. Seem even remote with insurance companies etc. No patient care involved. He is burned out.....He needs to talk with an experienced nurse who can guide him.

[@inspiteofbecauseof4745]

Hmmm…a teaching degree all online??? I’ve taught elementary education for 22 years and have had 10 student teachers who spend a year being a student teacher in the school, everyday from 8-4. There’s no way you can do it all online nor self paced.

[@jcszot]

Christian if he’s not too burnt out should go into home care. RNs get up to $70 an hour for in-home care. It’ll be a real shame if he’s too burnt out to continue after only two years. A nice living can be made with the nurse’s degree. He’s burnt out with the medical mafia/big corporate regime that comes with all of your hospitals nowadays.

[@sharonjenkins8388]

Maybe he needs to move to New York

[@yankos_]

1:07:00 On Oprah.... Why is Oprah not married to Stedman.?.?.?.?

[@isidorolopez265]

The ultimate question, would be who cares!?

[@gfmontare]

Hi all, how do I cut the cord with my adult son? He's out of school ~2 years now, makes a good salary, no significant debt (small school debt and small car loan - but after the second totaled vehicle I stopped buying cars!). He has a credit card for my account and still uses for groceries and some gas etc.

[@buckibanker]

If he makes good money, just let him know you are closing all the credit cards because Ramsey ;)

[@crystalcurrie90]

My dad told me time to pay my own bills and removed everything that was mine off of his accounts.

[@thebestthingthatneverhappe6729]

kindly tell him next month you will no longer provide him financial support... if he loves you he will understand

[@ykook7000]

Just stop! He is an adult just say he needs to pay for his own stuff ...not rocket science

[@Trustbutverify2651]

Two comments about the couple with the wife finishing school to be an elementary school teacher with student loans. 1) First of all, student loans come due 6 months after someone stops school. Therefore, she may well have to start paying if she takes a semester off. 2) Secondly, some courses at the end of a college career have to be taken in a certain semester. Not all upper level courses are given each semester. She could be over a year behind at that point - and the financial cost of that decision has to weigh how much she would earn and that lost income, not just the several thousand dollars she would have to borrow. I'm a retired teacher and this decision has to consider many factors. I find that this show is weak on decisions about finishing college or not - they don't know a lot about how classes are ordered at the end of a degree and other options for finishing college inexpensively. Their advice is always to take some time off and cash flow - not always the best choice. His income is not high and she is not working now, so perhaps they should REAPPLY for financial aid and I would guess perhaps all of it might be paid for with a much lower income. Married couples are considered independent students and have a better chance to get financial aid with a low income than singles do.

[@bettedavis9261]

Thank you for giving real world advice from someone who has firsthand knowledge.

[@Cheezbird]

Making 60 as a critical care RN?? I made 92 last year in a nursing home as an LPN… something aint adding up

[@PM-mm3pz]

Every look on Rachel's face is exactly what I am thinking

[@bigbawsz2054]

17% back in the 80’ but prices of homes were 1/5th the cost.

[@amesasw]

If you cant afford a home dont buy one. Assuming prices will never come down ignores the unqiuely overpriced situation we are in. Interest rates are high relative to prices on homes that were set bases on a 3% rate. If prices never come down, you will have to move to a cheap city with a non local high income or accept that most people will be renters moving forward. Which might be reality. The government will try to solve affordability by pushing 40 year mortgags....

[@goodcatfilms4276]

Dave is stronger and harder than that infamous morning wood on a sunday. Love this duo! Common sense on a common problem. God bless you Dave.

[@TH-qy9gr]

Nursing has a massive 5 year washout rate.

[@XsoloXela1989]

Another critical care nurse from Pittsburgh checking in dave. His numbers are accurate for pay for this area sadly.

[@patricksimon8943]

Y’all need to move. That’s ridiculous.

[@sharonjenkins8388]

I am a Cna I gross over $75,000 last year with ot - my son is a nurse and he makes at least $120,000 - very sad.

[@XsoloXela1989]

@sharonjenkins8388 let me guess, you're on the west coast though?

[@staciautrey0720]

I agree 💯

[@jillchapman6993]

😂Dont quit nursing! Combine your 2 interests and be a flight nurse!! 2 yrs is such a short time in the field, and nursing is 100 careers all in one.

[@rchi3906]

Dave Ramsey has same mentality of David Goggins , u have to be dead honest with yourself , tough love is real love

[@jtcr4199]

First guy paid of 180 in 3 years worth an income of $290,000. Good for him, but sounds like he's still had a quarter million in anual spending, not accounting for taxes and shit, but still.

[@darylmclain5181]

My wife and i use boa cc for cash back stuff we basic bills and food we have not payed any interest in over 5 years got 5000 cash back no we are not geting rich off cc we put the money on our mortgage principal and retirement 2 years and home will be payed off

[@prancer4743]

Your 100% on the money 🙏🙏🙏

[@mmp495]

Donut Dave 🍩 😂

[@ryancaldwell9463]

I guess because I don’t make a lot of money I don’t get the “should I do this or do that?” I don’t get what the guy was trying to do when he financed 2 cars when he had the cash for it. If anything take the loan so they don’t tac on all the extra fees for not financing, and pay it off the first month. But I don’t get these people who are like, “I have the cash, should I pay it off?” Duh, yes! 😂

[@jasontayn7028]

So Dave just basically said protect the cheeks 😂

[@Z28videogates]

@16:00 get a 15 year fixed when EVERYONE else is stupid and will happily pay 30 year even ARM's and sign up for having to work 2 jobs to afford it - this is what we are competing with - so meaning only a person making more than 2x the average income in the same area as the financial dummies live, could someone afford to do this. We are surrounded (and competing for the same resources) as financially illiterate people - willing to sign up for outright slavery. If you aren't willing to do this - you will not be getting that house.

[@carrielegg5480]

I need a new A/C unit. I need 8-9k for this. I don't have it. So how would I go about this?

[@dbb3892]

Don give the banks the deed of your buts !!! 😂Dave is so funny but very right !!! Thanks to lisening to grumpy Dave, I got ride of my own debt, I only have my house payment now , so thanks Dave 😊

[@ursusmuricanus5765]

Ytf would I buy a house when they are nearly triple their real worth, especially when everything says thr market is going to decline in 2024/25? "OH the interest is only 6 percent, when I was selling houses it was 17" yea and when you were selling houses the homes only cost 100k instead of 300k and your average income was higher value than it is now.

[@EliseAnonsen]

Stop screaming Dave. We hear you just fine.

[@ricksgiggle8852]

❤rachel is fine AF! 😮