This Is The Fastest Way To Get Out Of Debt!

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The Ramsey Show Highlights

The Ramsey Show Highlights

Жыл бұрын

This Is The Fastest Way To Get Out Of Debt!
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@SJ-vd1jh
@SJ-vd1jh Жыл бұрын
"Sell so much stuff, the kids think they're next." Lol
@reingrapher3809
@reingrapher3809 Жыл бұрын
😂😂😂
@ScottVonTerminator
@ScottVonTerminator 9 ай бұрын
⁉️🏃💨
@varsitygraphix2407
@varsitygraphix2407 8 ай бұрын
Funny af lmfao but its real lol
@donrainesoh
@donrainesoh 8 ай бұрын
😂😂😂
@talkswithash9402
@talkswithash9402 7 ай бұрын
🤣🤣🤣🤣🤣🤣
@loganlm10
@loganlm10 8 ай бұрын
I’m 2.5 months away from being debt free! Only $8000 left in my student loans! Edit: I made my last payment this morning! Whooooo! I am now debt free!!! There is light at the end of the tunnel!!! Keep going guys!
@misterdeluxia5948
@misterdeluxia5948 7 ай бұрын
good shit man, 1.5 months left now
@loganlm10
@loganlm10 7 ай бұрын
@@misterdeluxia5948 thank you!! actually even less! I split and sold a bunch of wood and made $2000. only $3000 left to pay off!
@yahuahyahsharaldaughteroft5999
@yahuahyahsharaldaughteroft5999 6 ай бұрын
Wow thats amazing im right behide u
@YT_Watchers
@YT_Watchers 6 ай бұрын
Nice - I hope you’re still young… your greatest asset for money generation is TIME
@loganlm10
@loganlm10 6 ай бұрын
@@YT_Watchers I’m 21, my goal is to pay it off before the new year, it’s going to be close
@mcahill135
@mcahill135 Жыл бұрын
Thank you Dave. We became debt free 14 years ago with your plan. It’s awesome.
@justinaacorn5721
@justinaacorn5721 Жыл бұрын
yes, the pain is effective & worth it!
@thatguycarmine1
@thatguycarmine1 Жыл бұрын
“Pay off debt” He obviously came up with the idea lol
@spconrad9612
@spconrad9612 Жыл бұрын
He didn't come up w the idea, but he is enthusiastic about and encouraging. Helped us, love it.
@allendelagarza7512
@allendelagarza7512 11 ай бұрын
@@spconrad9612great response to an unnecessarily snarky comment.
@ebaensey2983
@ebaensey2983 7 ай бұрын
Followed most advise, especially paying cash. Don't have the money? You can't afford it!. Got out of debt in 3yrs
@Oyeah884
@Oyeah884 9 ай бұрын
paid off my debt yesterday. life is good.
@cajbaf
@cajbaf 6 ай бұрын
Congratulations!!!
@LOBOTOMINIZER
@LOBOTOMINIZER 5 ай бұрын
gratz
@MajesticMe429
@MajesticMe429 5 ай бұрын
Congratulations. 🎉🎊👍😊 I got out of debt 2 years ago with Dave Ramsey Baby Steps. Life is good, feels wonderful not owing anyone anything.
@ryanrodriguez3736
@ryanrodriguez3736 2 ай бұрын
@@MajesticMe429what is that? I hear so much and I’d like to get out of debt.
@salmacorrales8992
@salmacorrales8992 Ай бұрын
Congratulations!!! Feels good 👍
@zrb9591
@zrb9591 11 ай бұрын
We did it. It works. I retired a little over a year ago with ZERO debt.
@dardallas7465
@dardallas7465 5 ай бұрын
and zero saved retirement funds in the bank
@zrb9591
@zrb9591 5 ай бұрын
@dardallas7465 WRONG.
@carryeveryday910
@carryeveryday910 4 ай бұрын
@@dardallas7465More like a few million!
@RevealedFilms
@RevealedFilms 4 ай бұрын
Who wants to retire. A person needs purpose. I will run these companies until the day I die
@lm7913
@lm7913 3 ай бұрын
I’m lost… is he advising to pay the largest debt first or the debt that has the least. For example I have two credit cards that are maxed… one is 15k and the other is 20k… do I tackle the 20k or the 15k first?
@BrotherHoodofTheDogxix
@BrotherHoodofTheDogxix Жыл бұрын
I did this, 18 months eating ramen and working and paying debt. I am a free man now. You can do it too.
@patrickschramm7
@patrickschramm7 Жыл бұрын
I’d have a heart attack eating that much sodium.
@Rico401Prov
@Rico401Prov 11 ай бұрын
Try going vegetarian next time lol
@vybesrum3195
@vybesrum3195 9 ай бұрын
Thanks for your motivation. I'll try it
@richardlew3667
@richardlew3667 9 ай бұрын
​@@patrickschramm7I like to use plain ramen or put in very little of those soup base and use it for other seasonings. I even know of some Russians whon love those fire hot chicken buldak and would dilute its spiciness by mixing in some canned beats, sour cream, and some green shallots.
@Hornet135
@Hornet135 7 ай бұрын
@@patrickschramm7 You don’t have heart attacks from eating a lot of sodium. Good lord.
@perduedoo
@perduedoo 11 ай бұрын
I stopped ordering food. I stop saying yes every weekend to going out. (I try to do every other weekend now). I meal prep at home. And I stopped the quick trips in the gas station. Thousands saved. 25years old
@GDuncan8002
@GDuncan8002 3 ай бұрын
I'd be willing to bet that among people who do things like doordash their Taco Bell, 80% will die broke. I pride myself on being cheap. I've ordered pizza for delivery maybe twice in the last ten years.
@amerikanviking
@amerikanviking 3 ай бұрын
​@@GDuncan8002😂 I am on the other side of that. I do Doordash to get money on the side. I don't order.
@candy2325
@candy2325 Жыл бұрын
Yesterday I put $300+ towards my debt payment and it feels good to see the balance go down. One of my biggest money savers will be meal prep and freezing storing extra leftovers to have food on hand, so I can have meals readily available and only need to buy small things that run out. Also, I can pick up more overtime at my job to earn extra income and with a new raise I got at work that will help out substantially 🎉
@jemmaj2919
@jemmaj2919 5 ай бұрын
Good on you. Keep it up. I'm scared of buying a house cuz i don't want debt around my neck
@aneshaelizabeth
@aneshaelizabeth 4 ай бұрын
I need to start freezing my meals. I know that would save me so much time and money!
@fredstratton555
@fredstratton555 Жыл бұрын
Let me translate, stop eating out. No more Starbucks.
@thechemi5083
@thechemi5083 Жыл бұрын
😅😅😅 exactly , Doordash is expensive af
@philmcrackinnow
@philmcrackinnow Жыл бұрын
The grocery store isn’t any kinder these days.
@tacticalcrusader3709
@tacticalcrusader3709 Жыл бұрын
​@@philmcrackinnow Still way kinder than restaurants
@jdwar11
@jdwar11 Жыл бұрын
Eat only what you need. Skip snacks and any extras. Don’t treat yourself even at home. Old school that food. Cool in bulk
@tacticalcrusader3709
@tacticalcrusader3709 Жыл бұрын
@@jdwar11 I allow myself two indulgences a week. A lunch on Friday and treat on Sunday. Both under $10
@larrylamb3480
@larrylamb3480 7 ай бұрын
Damn right Dave ,I did that for 42 years ! Paid thriple payments on my ranch rentals which destroyed the loans in half the time ! Was able to then pay off my personal home loan with money earned ! I say Dave , anyone can do it ! It's not easy but discipline and consistency is EVERYTHING ! I earned an average American wage and am today very financially comfortable ! Most important thing that came to me was the fact , I no longer have any stress and am happy ! Again ,anyone can do it if they want it enough ! Today , I give thousands of dollars to my grandchildren and find the greatest satisfaction in helping them because I see them really struggling and trying so hard ! If they weren't trying , I wouldn't give them any money ,right ? I give them a hand up ,not a handout ! MY LIFE IS NOT ONLY SATISFYING AND STRESS -FREE BUT I AM. HAPPY !
@lukeleonard3382
@lukeleonard3382 Жыл бұрын
“We’re gettin outta DAAAAAAT” 😂
@VINNYVERDANSK
@VINNYVERDANSK 8 ай бұрын
LOOOOOOOOOOL
@michaelstorayii7197
@michaelstorayii7197 8 ай бұрын
😂😂😂😂😂😂 hilarious
@motorclubofamerica8999
@motorclubofamerica8999 7 ай бұрын
I love it lol
@ThePorshaEdmun
@ThePorshaEdmun 7 ай бұрын
😂😂
@mzeye
@mzeye 6 ай бұрын
😂
@melissaa.7970
@melissaa.7970 Жыл бұрын
I got the second job and got myself out of debt (besides my house). Best feeling.
@GhostlyShadow
@GhostlyShadow 8 ай бұрын
It was funny when he said "they shaved their head" lol I just did that a few days ago
@reiddavis1415
@reiddavis1415 10 ай бұрын
Eat at home, make your own coffee, pack your own lunch, get rid of cable, drive your old car as long as possible and debt stack like the man said. Pay off the debt like your kids life depends on it. It will amaze you.
@indirat9186
@indirat9186 5 ай бұрын
ZtI’m yxI don’t b
@jacq3790
@jacq3790 9 ай бұрын
I followed this after a financially devastating marriage and it works. You feel so empowered when you pay that first one off! The one downside was that the credit card company would never raise my credit limit past $500 even after I paid them in full and had been with them for almost 30 years. So I switched to one that would give me a higher limit and I have paid off my monthly balance for the past 10 years. I was also able to retire at age 58. Thank you Mr. Ramsey
@ImranAhmed-cy3os
@ImranAhmed-cy3os 7 ай бұрын
Cut it up
@cajbaf
@cajbaf 6 ай бұрын
​@@ImranAhmed-cy3os Exactly what Dave would tell her.
@MajesticMe429
@MajesticMe429 5 ай бұрын
I did this & I've been Debt Free for 2 years. Dave Ramsey is Awesome. It Works if you Work it !!!!!! Thanks Dave. 👍😊
@zacharyhamby7
@zacharyhamby7 Жыл бұрын
It's like exercise. It's tough and painful sometimes to get through it. But if you push yourself with enough time, drive, and intellect, it's possible to get to places you never thought you could.
@arienfox
@arienfox Жыл бұрын
Indeed it does! The Debt Snowball really WORKS!
@zackwhiteal
@zackwhiteal Жыл бұрын
Worked for us and took 14 months. It’s a small price to pay for freedom. Money worries are a thing of the past.
@Natured1ne
@Natured1ne 6 ай бұрын
The last line 🔥
@xvxv711
@xvxv711 5 ай бұрын
Take 16 extra jobs….ok
@PInk77W1
@PInk77W1 Жыл бұрын
It worked for me. I’m doing great now.
@teresaevans4840
@teresaevans4840 Жыл бұрын
Same here, pay cash now!
@nevinkuser9892
@nevinkuser9892 9 ай бұрын
How did you do it?
@angelaggarrido7816
@angelaggarrido7816 9 ай бұрын
@@nevinkuser9892 the snowball method! I did it too
@medrickbussie2489
@medrickbussie2489 Жыл бұрын
When u don’t wanna hear what u need to hear Dave Ramsey is your man
@OmarAbdulMalikDHEdMPASPACPAPro
@OmarAbdulMalikDHEdMPASPACPAPro 7 ай бұрын
I set up a little coffee shop/book store in my basement so I would stop going to Starbucks and bookstores. I cancelled my gym membership and workout at home. I shop at thrift stores and drive auction-bought cars. My kids went to community college and got scholarships to the local, state university. They're also working whilst going to school. I don't have any credit card debt, no car debt and, am chipping away at my student loans and mortgage. In my opinion, "leaders" of this society are against the middle-class. However, ALL we can do is exercise financial discipline. Debt is modern-day indentured servitude. Thanks, Mr.Ramsey. This was VERY inspirational! God bless you, sir!🙂👍🏽👋🏽👨🏽‍⚕️
@dougcharles6845
@dougcharles6845 10 ай бұрын
Debt free including the house 3 years ago. I hate owing people. thank you Dave!
@MichelLinschoten
@MichelLinschoten Жыл бұрын
Yah been doing that for the past year and that really works so well killed.of 3 credit cards in 1 year that way. Still not there , but getting there slowly but surely . I got myself into it, I'll get myself out of it one way or the other 😅
@larrylamb3480
@larrylamb3480 7 ай бұрын
Now ,keep it a life-style ! You'll be much happier ! I've been there for the last five years and am happy !
@debhalld9794
@debhalld9794 5 ай бұрын
Yes! You follow Dave's plan and you'll "be free"!!!
@PianoDude14373
@PianoDude14373 6 ай бұрын
I'm a young teenager, my parents have been doing the Dave Ramsey program for a while now and they have been very open about finances and have taught me and my siblings soooo much!! I'm putting half of the money that I make from my job into college and whatever is leftover I'm putting in CDs (just because why not? I don't like to spend a lot of money so it's not like I'll use it anytime soon!😂). I have a a few thousand in a high yield savings account which I put almost all of it in CDs. I'm also going to go to college without student loans.
@kasession
@kasession Жыл бұрын
Absolutely. i did this instinctively before discovering Dave Ramsey. Best way to go. It took me 12 months.
@Sam9680
@Sam9680 4 ай бұрын
I have 10 credit cards and I have paid off 5 since November 2023 I’ve been following this religiously! I can’t wait to be debt free
@63saruman
@63saruman Жыл бұрын
Only was in debt once: never again!
@tubeguy4066
@tubeguy4066 10 ай бұрын
Can't be in debt if you never plan on paying back
@thesnowman2509
@thesnowman2509 10 ай бұрын
@@tubeguy4066POV: you don’t know what credit score is
@RickRijuanaPro
@RickRijuanaPro 8 ай бұрын
@@tubeguy4066😂
@jesus156c
@jesus156c 7 ай бұрын
3x😢
@jamram9924
@jamram9924 Жыл бұрын
I paid off my house 10 years early.
@QuanHoang2x01
@QuanHoang2x01 10 ай бұрын
What is your mortgage rate? From what I learned, if it is low, investing is better than paying early
@fingerstylefan
@fingerstylefan 10 ай бұрын
@@QuanHoang2x01 Not right now it's not. Current mortgage rates are 6-8%. On average the market gives you 7-9%. Plus when you figure in risk factor of losing job, getting sick etc. it's always better to pay off mortgage.
@lolwtnick4362
@lolwtnick4362 10 ай бұрын
​@@QuanHoang2x01idk is investing $200 a month to collect a few dollars of interest good? or is it better to pay off a house that has interest of $500 a month eating away every month? oh but compounding over years... yeah yeah. i guess you didn't invest during covid and still down 30%
@Grayfox111
@Grayfox111 9 ай бұрын
​@@QuanHoang2x01nothing is better than not bleeding a mortgage every month.
@cajbaf
@cajbaf 6 ай бұрын
​@@QuanHoang2x01 Dave says all the time to stop investing until your debt is paid off.
@mburns1679
@mburns1679 6 ай бұрын
I lived off of one paycheck and banked the second check. Debt free... feels so good. Moved to cheaper area, bought 4 yr old car... doubled up on the payment for 2 yrs. No new clothes or shoes. No movies, fixed myself. Used library for books, magazines, DVDs. No gym... workouts at home. Focus on what you can do .. not what you can't. At the end you feel brilliant.
@justinmcarthur8690
@justinmcarthur8690 11 ай бұрын
Ahhhh I've been doing the avalanche not the snowball!!! 7 days a week. House 2 years from being paid off only 34
@C_HILL_OUT
@C_HILL_OUT 2 ай бұрын
My wife and I did the debt snowball. We were completely out of debt in 40 months. Including the house!!
@Timyeahhh
@Timyeahhh 10 ай бұрын
You gotta get the hell out of debt in this economy. Interest rates are high
@odorupompokorin22
@odorupompokorin22 8 ай бұрын
The US Congress needs to hear this
@chuheihkg
@chuheihkg 5 ай бұрын
Will they? You remember the damned known as el coronavirus during the last three years?
@Tragon76
@Tragon76 5 ай бұрын
They live with your money, they don't care about your money, they stole you through monetary inflation
@michelemachholz
@michelemachholz Жыл бұрын
We completed the debt snowball approach in 2016. Thank you, Jesus.
@terricox3559
@terricox3559 Жыл бұрын
Not jesus, you did it.
@lainard13
@lainard13 Жыл бұрын
I think his name is Dave Ramsay.
@nickvazquez5082
@nickvazquez5082 5 ай бұрын
Thank Dave. And don’t forget to thank yourself and give yourself credit for doing all the hard work.
@AK5of8
@AK5of8 5 ай бұрын
My daughter did this to pay back $90,000 in student loan debt. She wanted it gone in 24 months. But she worked so hard, so many extra hours outside her full-time job, that we jumped in to start whittling away her $20k loan (the big one) from the other end. I was so proud of her. 9 months later- debt-free! It’s amazing if you “attack with a vengeance”.
@wbaiey0
@wbaiey0 Жыл бұрын
it's so easy to do when the mind is clear.
@krobdawg
@krobdawg Жыл бұрын
"Out of DAT" lol I miss the older Dave videos
@Polo22546
@Polo22546 Жыл бұрын
Truth! Lol.
@MrLidiaJC
@MrLidiaJC 5 ай бұрын
I totally agree!!! We were oppressed financially, we worked hard , set on the side , something happened all the time and we loose the money. One night God told me while l was in season of prayer and fasting, the word” devourer” . To make the story short, l prayed and fast , than renounce the generational devourer spirit , in my blood line , l read a book about fasting afterwards and l saw in the Bible, the “devourer” , since than we are more stable, and we never made that good money wise , the devil likes to work in secret , he won’t tell you how to fight against financial attacks, but sometimes we have to fight spiritually to .
@Scarface_445
@Scarface_445 8 ай бұрын
Somtimes you fall off the wagon, me right now, started spending more than I made after being Dave 100% for 2-3 years in college. Managed to pay off school debt, work harder than ever, increase my income. Then bam, 4K on a credit card and another 2k on another. Currently working the steps again to get myself out. Thank you Dave, you popped up at the best time for me again! I’m almost done with 2 out of the 3 credit cards and movin on past them!
@neilyaremchuk6798
@neilyaremchuk6798 Жыл бұрын
My exwife bought all of the DR books and materials and even signed me up for a local DR seminar. I read and attended and come home with the game plan to pull us out of debt complete in 36 months with discipline. She never got on board with it and we lingered for years pushing the elephant up the hill until our divorce.
@davidlejeune4774
@davidlejeune4774 Жыл бұрын
It’s a team effort for sure, God bless you
@chuckytherapper
@chuckytherapper Жыл бұрын
That’s absolutely awful. 😢 someone told me recently “if I took my own advice I’d be perfect” then laughed. I was like … 😒 🤷🏾‍♂️ 🤯 yeah.
@spconrad9612
@spconrad9612 Жыл бұрын
Sorry to hear. Hope it all works out for you.
@tauraitatenda361
@tauraitatenda361 Жыл бұрын
So practical, no castles in the air. Thank you
@joo8976
@joo8976 Жыл бұрын
I completely embraced this advice! And now I have a clean slate and guess what? I’m not about to restart a mess by going and spending unnecessarily. No, sir!
@smileychess
@smileychess Жыл бұрын
I made the mistake of falling back into bad habits after being out. Trust me, you're very correct in saying "never again!"
@joo8976
@joo8976 11 ай бұрын
To be honest, I realized I spent more when I felt lonely, sad and losing control. The spending was to fill up a void. I literally have to “slap” my face everytime I feel the urge to shop.
@cajbaf
@cajbaf 6 ай бұрын
I feel ya. I just told my financial advisor the other day, now that I have the money in the bank, I don't want to spend it. I don't ever want to go back to constant worrying about money
@Bling-it-on-grammie
@Bling-it-on-grammie 4 ай бұрын
We did exactly what you said. 60k worth of debt. Took 3 years of hell. We are DONE!!! We are debt free! Thank you!
@solokalnesaltam3015
@solokalnesaltam3015 8 ай бұрын
Been 12yrs since I finished, took me about 2yrs. Never went back to debt, completely changed the course of my life. Will always be grateful to Dave and his team.
@toralayous8500
@toralayous8500 5 ай бұрын
Thank goodness you brought this up! Truly, investing has changed my perspective on how one can succeed in life; working multiple jobs isn't the optimal way to attain financial freedom and unfortunately, we discover this later in life. Currently earn as much as 10 grand weekly and this has improved my financial life. Great piece!
@khamablaze4459
@khamablaze4459 5 ай бұрын
Wow, congratulations on your impressive investment success! Your discipline and focus on delayed gratification is truly inspiring. I'm curious, what are some of the key factors that you consider when making investment decisions? Do you have any tips for those of us who are just starting to dip our toes into the world of investing? Thanks for sharing your story!
@lampwhite8855
@lampwhite8855 5 ай бұрын
Do you mind sharing info on the adviser who assisted you? I'm 39 now and would love to grow my portfolio and plan my retirement
@toralayous8500
@toralayous8500 5 ай бұрын
She's OLIVIA SULLIVAN FINANCIALS
@tomclamp591
@tomclamp591 5 ай бұрын
she's a known advisor. I actually did look her up curiously and went through her credentials on her webbsite... Top-notch! I wrote her an email, hopefully she's accepting new intakes.
@sambrambilla3524
@sambrambilla3524 5 ай бұрын
I'm definitely gonna check her out. Do yo have any idea if she manages family fund?
@makingtechsense126
@makingtechsense126 9 ай бұрын
This works. The hard part is getting the reluctant spouse to follow through. I'm so close but my biggest obstacle is my spouse.
@angadsinghh
@angadsinghh 5 ай бұрын
Studies in a govt university- (almost 3000$ for 3 years) Got a job for 25000$ per annum No debt- will never get into one The dollar values are for reference- I spent and earn in INR.
@xrpsmith8021
@xrpsmith8021 6 ай бұрын
Dave, you’re the father all of us need. Thank you for your wisdom!
@mauraronda1265
@mauraronda1265 Жыл бұрын
This is the best method ever. But please don’t be tempted to use debt again you must learn to pay with cash!!! Honestly best method. Hard but you can do it!
@niall1437
@niall1437 Жыл бұрын
Its hard to pay with cash these days when everything online
@cajbaf
@cajbaf 6 ай бұрын
​@@niall1437 I think what they are meaning is, once you're out of debt do not buy anything unless you have the money (cash) .I still pay for things online but directly from my money... Not a credit card
@melaniehancock2210
@melaniehancock2210 5 ай бұрын
You have “cash” in your bank account 🤦🏻‍♀️ lol it just means don’t take out credit card debt or loans
@madisonm.2969
@madisonm.2969 6 ай бұрын
My debt makes me AAAANGRY. And when I get angry, things get done. Thanks for the continued motivation
@Savvyann007
@Savvyann007 6 ай бұрын
Truly changed me and my husband's lives, for the best! I could only get 1 of my friends to follow along. Not ironically, she is the only friend I have who has also bought a house and lifted her family out of dire poverty! All of my other friends think we're nuts and struggle paycheck to paycheck!
@deannav2045
@deannav2045 2 ай бұрын
We graduated from Financial Peace University 20 years ago and we owe nothing. We love you Dave!
@Motivation.Refresh
@Motivation.Refresh Жыл бұрын
Very practical and basic principle. We can start the snowball impact right now and start getting ouselves out of debt. Thanks Dave...
@stackedhippiechick
@stackedhippiechick Жыл бұрын
I'm Debt free at 29, house payed for, car payed for, no CC debt. Invest 75% of my income. My best mentor was my Great Grandfather, he lived through the Great Depression. Live within your means.
@j.p.s.2233
@j.p.s.2233 Жыл бұрын
You don’t invest 75% of your income. And if you do, your quality of life is terrible. These comments are pathetic. Your house also isn’t paid off at 29.
@fingerstylefan
@fingerstylefan 10 ай бұрын
@@j.p.s.2233 Why not?? Pessimistic much?? If one makes 100k and has no payments for anything, you could easily live off 25k and invest the rest. Also I hear stories all time of young people paying off their house. All it takes is absolute dedication, something you apparently know nothing about.
@janetmccoy7945
@janetmccoy7945 8 ай бұрын
How do you invest 75% of your income?
@stackedhippiechick
@stackedhippiechick 8 ай бұрын
This year, 60% in EPGAX, 20% in Gold, 20% in savings. @@janetmccoy7945
@cajbaf
@cajbaf 6 ай бұрын
​@@j.p.s.2233 You can't tell him what he has paid or not paid off. If his grandpa was advising he could have been saving for a long time. It's not impossible to have a house paid off at 29. Especially if he bought a modest home and not one that he couldn't afford.
@HondoSauce
@HondoSauce 7 ай бұрын
You can do this. I did this in 2013 and succeeded. I made 56k, had two mortgages, two car payments and 8k in CC debt. In 14 months I paid off 42k in consumer debt and haven’t been in debt since (other than the house). I don’t have high blood pressure anymore. Thank you Dave Ramsey, and remember…The only way to financial peace, is through the Prince of Peace, Christ Jesus.
@candygarfield1479
@candygarfield1479 5 ай бұрын
I did this. Left my marriage twice with the debt, unemployable disabled, paid it all and the mortgage, kids never knew till I saw the cards coming for them in highschool. And educated them ..
@lisalaumax6050
@lisalaumax6050 Жыл бұрын
Amen Dave!!!!!
@jimalvarez5042
@jimalvarez5042 Жыл бұрын
Love hearing these shorts while on the baby steps, help stay focused!
@tyleroverton7792
@tyleroverton7792 Жыл бұрын
You got it Jim!!! It's worth it!
@darryljennings1176
@darryljennings1176 3 ай бұрын
I don't agree with everything Dave says, but this is the best advice I've ever received, works like a charm, the ball and chain are gone forever! Thanks Dave!
@teebob21
@teebob21 3 ай бұрын
Bingo. This advice works, but it's not painless. It hurts. But it can be done. It takes focus and the ability to accept delayed gratification. We did it.....more than once.
@Can-Am1989
@Can-Am1989 4 ай бұрын
I took 2 highly paid remote IT jobs in a 2nd world country with USA salaries and I paid off my house mortgage in 1 year plus 2 cars.
@neceminlinda
@neceminlinda Жыл бұрын
My new Pastor lol Preach Dave!
@SteveRCPilot
@SteveRCPilot Жыл бұрын
Why is this better than consolidation? Its psychological.
@cajbaf
@cajbaf 6 ай бұрын
Because you're paying off and not moving around.
@MTtroutfisher406
@MTtroutfisher406 8 ай бұрын
This works, people! Doing it will make you a more disciplined person/family too! Do it!
@esotericone9101
@esotericone9101 4 ай бұрын
I did this for about four years and it absolutely got me out of debt and saved my life!
@adriennegarcia2986
@adriennegarcia2986 Жыл бұрын
On that mission as we speak!!
@mauraronda1265
@mauraronda1265 Жыл бұрын
Same here. Great help!!!
@doyouremember1978
@doyouremember1978 9 ай бұрын
Got it. My mine is clear snd focused.
@debhalld9794
@debhalld9794 5 ай бұрын
Super! Go, go, go... freedom and peace are within your reach 👍👍👍
@kelleywyskiel3478
@kelleywyskiel3478 5 ай бұрын
He’s absolutely right. I did it. I have zero debt now. I never thought it would be possible but it does work if you do the work.
@nancymyers1513
@nancymyers1513 5 ай бұрын
It works! I did it and it works! Best decision I ever made.
@janw6581
@janw6581 6 ай бұрын
I did this and I am completely out of debt. Praise God.
@larrypeeples-yk1rg
@larrypeeples-yk1rg 9 ай бұрын
Prayers 🙏🙏🙏
@kathymonnin9818
@kathymonnin9818 Жыл бұрын
Years ago I watched a talk show about people so far in debt they couldn't wiggle. They started driving semi the only thing owned was what fit in the truck they survived and achieved it. Another one I think she may of lost everything thru a divorce she drove semi slept in her van she succeeded.
@WA-eg7ft
@WA-eg7ft 3 ай бұрын
It works!!! Funny thing is I figured it out on my own. Long before seeing any of Dave's stuff. So glad to hear from him that I did it right. Got divorced and took 1 year to get back on my feet. Another year to save up enough to put a down payment on a new house that was under construction. Added more to my down payment as the house was under construction for 6 months. Moved in with a first and second on the loan. One year later refied the loan and ended up with a reasonable house payment. Didn't buy anything I didn't need. No new TV and a house full of furniture. Bought used washer and dryer and a good deal for a fridge. My life got on track and met a lady that has the same ideas on fiscal goals. Keep your head up and keep moving forward. You'll get there.
@kittyrx7guy
@kittyrx7guy 3 ай бұрын
My brother listened to Dave. He told me to listen to him, and sure enough, I am out of credit debt. 50,000 of loans and cards I am free now all the money. I am now attacking my mortgage and getting more into the principle. I am almost done to all I owe is 29,000 left on my mortgage. I am super excited. Thank you, Dave for helping me and understanding financial situation better.
@alisayoung
@alisayoung 9 ай бұрын
It works. There's a psychological benefit as you begin to see more and more paid off accounts 🎉
@WrvrUgoThrUR
@WrvrUgoThrUR 11 ай бұрын
In the hood that’s called “going ham”. It means you go at it like it stole something from you, because in this case you’re stealing from yourself. STOP THAT!!!
@Cecilia.10kThisWay
@Cecilia.10kThisWay 5 ай бұрын
Dave you were my biggest inspiration to start making money online and literally killed off all my debt in 7months, plus started building my emergency fund. I am so grateful for you. THANK YOU
@crayolasun
@crayolasun 9 ай бұрын
I went with the debt avalanche. Basically you throw everything you've got at the debt with the highest interest rate and work your way down. Was out of debt in about the same amount of time having spent the least amount of money.
@azimmey
@azimmey Жыл бұрын
I am paying the only one with interest and then pay off the no interest ones
@weirdo1060
@weirdo1060 Жыл бұрын
Debt avalanche
@emmib1388
@emmib1388 Жыл бұрын
I hope those 'no interest' ones are not the ones that will change into interest bearing if you are late or don't pay it in time!
@stevewhite791
@stevewhite791 Жыл бұрын
I walked through the deep debt fire. Been debt free a long time now. Feels very very good. I’m almost too debt adverse now.
@KeithHays-ek4vr
@KeithHays-ek4vr 2 ай бұрын
VERY wise words. - Don't be afraid to adopt this policy. - I have - more than once - and it's a hugely rewarding achievement.
@travisstockard752
@travisstockard752 3 ай бұрын
This show completely changed my life and view points on money. Just got done paying off my 3rd “smallest debt” in a row….. this rolling snowball brought me more joy over the last couple months than any material item ever gave me.
@annoyingpokemongaming9577
@annoyingpokemongaming9577 Жыл бұрын
Love love the debt snowball ❤❤❤
@GlockNYah
@GlockNYah 11 ай бұрын
I drank toilet water, and lived on field grass, and tree bark for over 2 years, but I'm debt free now, 75lbs lighter👍
@motorclubofamerica8999
@motorclubofamerica8999 7 ай бұрын
Lmaoooooooo 😂😂😂
@SkyyWalk21
@SkyyWalk21 7 ай бұрын
🤮
@kutatm
@kutatm 7 ай бұрын
😂😂😂.
@douglasgrant8315
@douglasgrant8315 7 ай бұрын
Oh deer 🦌 You became one😅
@PianoDude14373
@PianoDude14373 6 ай бұрын
@@douglasgrant8315 Best comment ever!😂😂😂
@lachona322
@lachona322 2 ай бұрын
“We’re getting outa DEABT!” 😂nice
@MLFortes426
@MLFortes426 5 күн бұрын
"Sell so much stuff, the kids think they're next." lmfao
@brandenkelsey8929
@brandenkelsey8929 Жыл бұрын
I quit Red Bulls was drinking 4 - 8oz cans a day , one of the hardest habits to brake
@Jstudios100
@Jstudios100 11 ай бұрын
Attack the smallest debt with VENGEANCE. Chills 🥶
@TJJulkowski
@TJJulkowski 4 ай бұрын
Bingo. We did this 16 years ago when our first child was born. I cannot tell you how much peace financial freedom gives me. Thank you Dave Ramsey, and eternally grateful my Pop told me about you.
@lydiaames3441
@lydiaames3441 2 ай бұрын
Thank you for Peace University. It taught me and my husband to be on the same page. Living life without debt is such a beautiful thing. We no longer have emergencies thanks to our emergency fund. Life is going to happen it's a blessing not to react in panic. We just take care of the repairs and move on.
@MsDezB1
@MsDezB1 Жыл бұрын
Worked like a charm! Thanks, Dave!😃👍🏽
@familypc8348
@familypc8348 Жыл бұрын
Yup. I’m debt free 🎉🎉🎉
@pdxmusl1510
@pdxmusl1510 4 ай бұрын
I did something similar to that years ago. I adjusted it slightly. There was one debt I was very close to paying off where the payment was one of the higher ones. I calculated I wouldn't pay it off as fast as the smallest one. But it freed up so much cash in a short amount of time. Tackling the other debts was a cake walk. I tried different pay off scenarios. It oddly wasn't the approach that saved me the most money. It wasn't the one that made my portfolio look better. But it ended up being the one that got me out of debt faster. Several months. It was great. I'll never forget that debt free feeling 😁😁😁
@teratabitha
@teratabitha 4 ай бұрын
I did this the last year or so, I’d say I have about another year left with my last few higher debts, but I’m so proud of dropping the debts I did and moving forward where I can.
@izzydoodle4091
@izzydoodle4091 Жыл бұрын
It works. I am out of doubt.
@davidschulman7988
@davidschulman7988 Жыл бұрын
Loved 16 extra jobs!
@nedutchgirl
@nedutchgirl 7 ай бұрын
As you pay them off one by one gives you motivation. I did this young married in late 70s not knowing this approach. Very freeing.
@A_Class
@A_Class Жыл бұрын
“Outta Datt!!” 😂 love you Dave
@Agitabodie
@Agitabodie 6 ай бұрын
Imagine the feeling of seeing all those smaller debt amounts disappearing one after the other.
@lisal6121
@lisal6121 4 ай бұрын
Nothing like the feeling of no debt!!! That’s freedom.
@ceraroberts2691
@ceraroberts2691 5 ай бұрын
This works! I've been debt free for three years. It feels amazing! Thanks Dave Ramsey!
@edwardabrams4972
@edwardabrams4972 Жыл бұрын
Got rid of the wife boy did I save some money and it was the fastest too🤔😳😂
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