This Is the Problem With Your Generation

[@Ja50nkAt]

You have a house with a low mortgage balance, no other debt, don't worry you're winning.

[@dbdb4962]

Now just increase you measly income to be able to afford cash some real vacations. You'll learn quickly the Bahamas sucks

[@kokoskokso]

​@@dbdb4962 right? How's she earning only 60K? A tradesman without a degree and debt is earning more!

[@miketheyunggod2534]

Sure Dave.

[@jeraldbottcher1588]

@@dbdb4962 There are a lot of other places to have fun, that cost less and you probably have more fun at.

[@malissaveroniprince1668]

She already won

[@Nature5640-j1q]

Just get off social media. It does not benefit your life. I only have KZbin because I learn about money, gardening, health, etc.

[@mrbriceno3949]

Hahaha I only have KZbin now as well for the past 5 years at least! KZbin shows you interesting things! Unlike insta snap twit fb

[@kellygarvin7955]

Ditto❤

[@Nature5640-j1q]

@@mrbriceno3949 🙌🙌🙌🙌🙌

[@madikoko]

Since 17 that’s all I do and Facebook for long distance family

[@Nature5640-j1q]

@@madikoko 🙌👍🙌👍🙌

[@SouthernGalPal]

Comparison is the thief of joy. - Theodore Roosevelt

[@Polo22546]

Truth!

[@Mancer1980]

Excellent quote and post - he was probably one of the wisest presidents ever.

[@anthonyisidro9649]

The Bible said it first 😂

[@SouthernGalPal]

@@collin9085 If you don't worship things, it doesn't matter what your neighbor has.

[@SouthernGalPal]

@@anthonyisidro9649 Actually, the Bible talks about envy. That quote is Theo's, yet, the premise is the same. 👍✌️🙏

[@erikberg8098]

I’m 41, an “old millennial”, and have no debt and a paid off home mortgage. We live frugally, worked our butts off to get rid of my student loans, and haven’t been out of the country since our honeymoon. We go exotic places like St. Louis & Branson & grandma’s house! We drive 12 year old Hondas that we paid cash for. We have 3 amazing kids and a dog, and my wife now gets to stay home & homeschool them. Thanks Dave and Ramsey staff! We are…proudly…weird!

[@KungPowEnterFist]

Yeah, no, you are Gen X.

[@j.l.salayao8055]

@@KungPowEnterFist No, I think 41 is the new boomer now.

[@littleripper312]

@@KungPowEnterFist No he's actually on the top end of millennial but to be honest his life experience will be far more like a Gen X than millennials as a whole. The generations are too broad these days as the world changes so fast now.

[@littleripper312]

I'm a 34 year old Millennial and I have to say we had it way easier than the young kids now- especially older Millennials like yourself. Have you seen the wages to housing prices now and rent? It's completely bonkers. Us Millennials got our rent and mortgages locked in before things got really nuts out there. It'll be interesting to see what happens, I guess all of them will have to move to remote towns and pay a premium for it.

[@KungPowEnterFist]

@@j.l.salayao8055 LOL 🤣🤣🤣

[@Apparition2077]

This caller reminded me WHY I deleted all forms of social media, besides YT. People in general need to stop trying to impress others. This need for validation needs to stop

[@CoolcalmCollected-du5tc]

I did the same over 5 years ago! Best.decision.ever!

[@siva47931]

Why don't you also delete KZbin

[@kbanghart]

​@@CoolcalmCollected-du5tc but for a lot of us, it's no problem. This is a clickbait title in a way... The keeping up with the Joneses thing has been going on long before social media.

[@RGE_Music]

I just started this a 2 days ago

[@topsykretts2264]

Agreed. Especially validation from people on the internet that they’ll never meet.

[@jacobmonti453]

Johns ending comment was really important. If you have real friends in real life, you don’t care about the fake stuff online. And you build yourself a community of support.

[@chesterwhalley5949]

Her opening line was “how can they afford that” referring to nice cars and vacations. The answer is they can’t 😭 there’s just a million different ways to be in debt nowadays

[@IrisP989]

Some can if they plan their vacation responsibly.. Meaning they have the money in their account and they are not going to get into debt for that. My family doesn't go on lavish vacations.. We go on vacations that we can afford. Our vacation (a cruise) is coming up and we booked everything with money that we actually have.. Everything else that we will purchase will be with money that we actually have.. This is how it should be and not going into debt.

[@BabaBlueJay]

Some can, I have a friend who makes 300k a year and she can easily travel 2 or 3 times a year without debt. Even so your point that most can't is valid.

[@jeraldbottcher1588]

@@IrisP989 That is quite true. Another thing with social media is you see so much of everyone's special things, you do not see that it is the only special thing they have, but you see so many with their own it gets confused with thinking everyone else has all that all the time. Myself if I was not able to afford going away on vacation I would end with a "staycation" with just getting the break from work (some places I worked had mandatory leave at least once a year and no cash out option)

[@jeraldbottcher1588]

@@BabaBlueJay One friend out of how many people? That one friend is an outlier.

[@IrisP989]

@@jeraldbottcher1588 A person that I know took money out of his 401K (not sure though if it was for vacation in addition to the nice expensive things that he purchased). I told my husband about these nice things and the 401K thing and he said that this guy might have to work into his 80's with that spending but we would not have to do that and it is true that it is not worth it..

[@mingnim209]

“We buy things we don't need with money we don’t have to impress people we don’t like.” - Dave Ramsey 💯🙌🏼

[@user-aFcb]

This is a great quote but it’s much older than Dave

[@nickman002]

@@user-aFcbGeorge Carlin?

[@jill3n]

Tyler Durden

[@w0ngky]

lol this is from fight night

[@jeremyf9124]

It’s from the movie “Fight Club”.

[@oneisnone7350]

In a few years people will be saying, how in the hell does she have a paid off house and no student loan debt!

[@doubles1545]

“Must be nice!” And “you’re lucky!” As if the paid for house just fell out of the sky and landed in her lap.

[@Nardaa-ox3be]

“She was pRiViLeDgeD. She must have gotten money from her dad. Society gave her preferential treatment. She wasn’t a first-world victim like I was, wahhhh.”

[@FourFourSeven]

"That's not fair!!! You paid off your house, have no debt, and have $30,000 left over due to your good decisions! What about ME?!! GOVERNMENT!!! MAKE HER GIVE ME SOME OF HER MONEY!!!!!"

[@phgamer4393]

i live in california and am wondering how the hell she got a house with only 60k LOL.

[@superblump87]

​@@phgamer4393she's in Utah

[@kylemccarthy02]

Without gratitude nothing is ever enough

[@joelmartinez2278]

Social media has ruined the reality and perception for the younger generations.

[@Polo22546]

Correct!! Unfortunately.

[@MegaBpop]

I completely agree with you.

[@cybertrk]

It’s literally meant to distract.

[@Richevanso]

And drugs ruined the hippie generation

[@vicepresidentmikepence889]

The generation that destroyed America, in the 60's, is now putting down this generation??????

[@consumerdebtchitchat]

Had a friend that I was envious of (not jealousy mind you.) Always seemed to be traveling EVERYWHERE. And she's a good 15 years younger than I am - I'm 57. She had perfect kids. Perfect marriage (second marriage) and this seemed to be PERFECT. Always getting a new car, traveling, vacationing. Now, she's divorced. And already remarried to hubby three. I had NO IDEA things were falling apart. DO NOT BELIEVE what you see on social media. EVER.

[@Run4Ever77]

Yep. And in my small sample size, it seems that many of the people that post the most are actually doing the worst. It seems like the people who are actually secure in their marriage, life, finances don't need to post much on social media to seek validation, because they are already getting validation from their actual lives and amongst people they actually interact with in life.

[@aprilm4423]

​@@Run4Ever77And, @Run4Ever77, that's exactly 💯 why I don't post on social media at all. Plus, I don't need to post; I'm secure enough in myself not to need to.

[@keithbellair9508]

Its a woman thing.. they often use men to suck the money and credit out of them…

[@abaker4692]

At 33, she's doing awesome at life!

[@BeastorFail]

No kids , no husband , no family. Not really doing that great for a lady at 33. Materialism aside.

[@singerjo5791]

@@BeastorFailIt’s a tad hard for wise young women to find mature young men. They still play video games, etc…

[@BeastorFail]

@@singerjo5791 okay let’s grant that a young man plays video games.. are young men not allowed to have hobbies in order to be mature? 😂

[@aolvaar8792]

Back in the 1990's, I worked overseas the young women,18-23, Lethal Entry Techs, Cleared $200-225K/yr, all expenses paid. One of the women was paying $10600/mo on a house, Stateside. 0% interest 24-month term. Extreme Hardship, Crying Hard Air locks, nude exits, being told what to do, and how to do it.

[@singerjo5791]

@@BeastorFail My point is that to say something is wrong with an unmarried, 33 year old woman has something wrong with her and that is why she is unmarried. The pickings for someone of her caliber are slim.

[@GrafsGarage3]

I couldnt help but relate to this one a lot. 28, no debt, no mortgage, masters degree… have more money in savings than I make in a year. Yet feel “behind” because I dont have a house, a car less than 12 years old, or a spouse and kids like some friends of mine. Learning to be grateful for what I got and where Im at. Just finished reading Building a Non-Anxious life.

[@Britt4880]

Millennial here - I’ll never forget finding out my friend that I was jealous of was in a ton of credit card debt. She had every extravagance you could think of: fancy car, fancy apartment, fancy gadgets, went on fancy trips. One day she causally “joked” about how she was tens of thousands of dollars in debt but it was fine cause it doesn’t really matter. I was jaw dropped.

[@rrrealqueen]

I mean it isn't because you can just bankrupt all of it. Assuming its done on a credit card. And you can take out a loan of 20 to 30k and go ball then declare chapter 7 bankruptcy with your llc account so it never affects your personal credit score and everything returns to normal. I've done this once. Always cheat the system.

[@DeportillegalAliens]

Of course it don't if she is attractive some smuck will bail her out! Lol

[@Britt4880]

@@rrrealqueen doesn’t bankruptcy show up on background checks and prevent you from getting good mortgage rates?

[@churchofpos2279]

@@rrrealqueen So, in other words, you have learned how to legally steal. Yes, It is stealing, no matter what you want to call it. You buy/take stuff with no intention of paying it back.

[@jeepstergal12]

​@@Britt4880The bigger concern is not whether you can get a mortgage after bankruptcy. The HUGE issue here is THEFT

[@GlassJack]

When you look at your peers and have to wonder, "how can they afford that?", most of the time they can't.

[@EadsB7002]

Agreed. They’re showing off all of their toys and most don’t have any savings/investments toward retirement either.

[@Kai...999]

My friends from India thought Americans were all rich then they saw the hood, and realized most of us are in debt. My friend drives and old Toyota and I tell her all the time her car is great and that she's one of the few people in that parking lot that has a fully paid off car. I'm facing repo over a new Hyundai, that's my fault though but it drives the point home. No pun intended

[@Overbill8831]

Rentals and credit cards, that's about it.

[@spartan4613]

Depends on familial wealth too though. Depending on where you live a lot of very well off people can mask how much money they have. I went to a private school for college and had this exact issue. Sometimes people are your peers on age alone. It's the way the world works, some people are born ahead of you, and can afford the luxuries. It's best to understand that some people are just better off from things they had no part in and move on.

[@steveguillory7568]

This is what’s wrong with social media. This girl is clearly winning the game of life but SM has her thinking she’s missing out. And to all the Millennials/gen Z who say they’ll never own anything, clearly it can be done and you don’t have to make hundreds of thousands of dollars to do!

[@davidbrayshaw3529]

That millennial/Z self-flagellating cop out mentality does my gen X head in. I'm the first to say that there are winners and losers in life. I'm also the first to say that I had it way easier than my son's generation has it, and my parents had it far easier than me. I'm also the first to say that it doesn't matter how hard you're doing it, there's a lot of people far worse off than you. You play the cards that you're dealt as best as you can.

[@kbanghart]

​@@davidbrayshaw3529make no mistake, there's plenty of Gen X, which I am as well, who are not doing great. This stereotype by generations is kind of silly.

[@ballinforlife9]

It can be done for sure but it’s also true that it’s now way harder to own a house in the US vs any other time in the past several decades. Entire groups of the population have been priced out and they wouldn’t even meet the income requirements even if they somehow scraped up enough for the down payment

[@youtubemobilegaming]

Gen Z and Millennials are in very different brackets now after the covid housing spike. Many people in the Millennial generation bought a starter home before covid and their houses doubled (At least in the area I am in). Most Gen Z did not get the chance to buy a house at that rate and now have to look for something thats much more work for a much higher cost. Being locked in at a lower rate on a cheaper house makes a huge financial difference.

[@felixthecat2786]

Houses are 500,000 dollars and Millennials are making 50,000 a year. To say that Millennials don't have financial set backs is just false. I don't know why there's this collective effort to deny reality.

[@Cal-t3y]

Thank you for being so kind to her and telling the truth.

[@marcuse423]

Never paid attention to social media people bragging. I just do me. I know what I have and I’m happy with that.

[@ericb8413]

I have 0 social media and I’m quite happy not having it. Waste of time. I like you tube though. 🎉

[@Nardaa-ox3be]

Social media makes me want to buy dumb things I don’t need. I had to delete Instagram off my phone. I learned my weaknesses and acted accordingly. It’s called being an adult.

[@chrishart8548]

I'm happy was just a warm shower in the morning and some food when I'm hungry. My wife on the other hand wants a never ending lottery win and a mansion.

[@Patzi-l1w]

Or as we say here in Ireland, “Don’t try to keep up with the Joanses just drag them down to your level!”! I really enjoy your show, you guys do great work!👍🏻🙏🏻🤗! Px

[@HatedJared]

I'm a millenial and I got rid of social media in 2018 and my depression about life completely went away.

[@sodapopjam]

I wish I had done that sooner 😢 but yeah, I quit this year and feeling so much better ❤

[@Aurierserge50]

Sir this is an eye opener video and I would be retiring in 5 years and I'm curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $90,000 per annum but nothing to show for it yet

[@Angelavaldess]

Research dividend aristocrats and choose six to ten companies with over 25 years of dividend payments. Consider working with a financial advisor to build a strong portfolio.

[@hullbruce]

@@Angelavaldess Speaking from personal experience, I would say engage professional guidance. Not sure where you get an experienced one, but if your knowledge of the market is limited, it seems like a good bet.

[@Aurierserge50]

@@Angelavaldess I've been getting suggestions to use one, but where and how to find one has been challenging, Can i reach out to the one you use?

[@hullbruce]

@@Aurierserge50 I have worked with a few financial advisors before now but i ultimately settled for Alicia Estela Cabouli. She is SEC regulated and licensed in US. You can easily look her up

[@Aurierserge50]

@@hullbruce Thanks for sharing. I searched her full name and found her website instantly. After reviewing her credentials and conducting due diligence, I reached out to her.

[@dnah02]

She is not married and has all of that. She is in a good spot at least she can be glad not to have student loans making 60k.

[@crowtservo]

Agreed. I keep thinking if I hadn’t married, I’d owe less than $100K left on my mortgage at my old house. I never would have moved to my current house and I’d be better off.

[@stratomaster891]

@@crowtservo Why bc you lost it in the divorce? I don't follow.

[@dnah02]

@@stratomaster891 probably wife spending rather than paying down the mortgage?

[@Run4Ever77]

​@@dnah02 And convinced him to get a bigger house.

[@dnah02]

@@Run4Ever77 or a smaller house that costs more in the expensive town.

[@HectorSnipes]

A wise individual understands that building wealth involves making smart investments, strategic tax planning, and informed financial decisions. While the stock market presents opportunities for growth, successfully capitalizing on them requires both skill and expertise.

[@PennyBernadette]

Yes, stock investments have potential, but it's important to be cautious. That's why I recommend working with a financial advisor who can guide you on the best times to enter and exit the market.

[@VictorBiggerstaff]

Having an investment advisor is the best way to go about the stock market right now. I used to depend on KZbin videos but it wasn't working. I’ve been in touch with an advisor for a while now, and just last year, I made over 80% capital growth minus dividends.

[@BateserJoanne]

Mind if I ask you to recommend this particular advisor you using their service?

[@VictorBiggerstaff]

Her name is ' Diana Casteel Lynch ' Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@jesperkgb]

patience too! all the skill and expertise in the world won't help if you're unable to sit on your hands when action is unwise.

[@bigcahuna42366]

Social media has turned some grown adults into middle schoolers. Such adults are looking for thumbs up and applause from their "friends" based on what they possess and what they have accomplished. They avoid posting depressing or shameful news about them for fear of being judged or because they struggle to admit they need help. I'm spouseless and childless, and I don't have a ton of friends, but I don't feel empty nor unfulfilled when I see vacation photos on Facebook, nor job promotions, nor engagement announcements, nor pictures of brand new houses or additions to families. Counting my blessings each day is very important to my mental and emotional health.

[@uscitizen1035]

I should post when I pay my car insurance bill and see if I get any likes 😊

[@alycewich4472]

@@uscitizen1035 🤣😂🤣

[@alycewich4472]

@@uscitizen1035 That's the ONE thing I point out to people wanting to get a new(er) car. As long as there is a loan on said vehicle, there is mandatory car insurance to protect the loan company's investment. In my case the first, last and only NEW car I bought (on payments) the car insurance was the same amount as the car payment! Didn't factor that in at all. So it was beans and rice, rice and beans until I could get it paid off as quickly as I could. NEVER AGAIN!

[@dsstudio76]

You are definitely on the right path! Congrats!

[@KevinNordstrom]

Well, to be fair, you SHOULD keep your dirty laundry off the internet. I say get off all social media in general. I only have yt. And I've been happier and healthier.

[@lisahinkofer2085]

You are doing amazing. You are doing it right. All those people on social media are lying full of crap and broke ass. You are way ahead of most of the people bragging on social media.

[@GOATED1973]

i’m 24 YO & I hate how social media destroying lives. new generation a living dead.

[@rrrealqueen]

Lol same reason why I deleted Instagram, snapchat and tiktok. Everyone always post the vacations. I stay away and like to live.

[@edwardkay288]

That's why I let the Z in Generation Z stand for "Zombies"

[@chris_hawk]

How many days do you give me?

[@ellimorley1593]

You're right! Gives a whole new meaning to zombie apocalypse

[@rwaggs2623]

You're right that social media exaggerates is + the highlight reel idea. Many years ago, a work colleague was talking about spending 2 weeks in Hawaii. I remarked that it sounded like a dream vacation and she said it was. She and her husband had been taking vacations at home for 3 years to save for this trip. That gave me perspective!

[@MegaBpop]

To the lady who called, "You are doing GREAT. Perhaps, you feel a bit tired from being a responsible adult. The others who are posting all their vacations, expensive cars, lots of purses are FOOLS. Unless they are making more 150k and their rent/mortgage is a small is less $ 1200.00 a month, they are living a lie and no other debt. Trust me, I see it with my family. I have a niece going thru a divorce. She is having a hard time coming up with attorney fees, YET she went ahead bought herself a brand new CAR when she left her husband. Her previous car was under her husband's name, and I told her to buy a used car that she can pay off in a year, something like 6 k. Nope, now she can't sleep at night. I can't help her, she does not wanna make changes. Stay strong, girl.

[@godfathaofyo]

Surprised the husband doesn't have to pay HER divorce attorney, that's usually how it goes.

[@MijoShrek]

​@@godfathaofyowhy would the husband who she is in court divorcing have to automatically be paying for her fees? Depending on where you are and the kinda district court you are in. It is going to play out differently.

[@godfathaofyo]

@@MijoShrek Typical divorce laws stipulate the spouse who is more "monied" be the one responsible for court fees/lawyers, as a way to ensure equal representation. Historically is has been the husband because "typically" they are the "bread winner" especially in marriages where the wife has been a stay at home wife/mother who has given up her outside career to take on the brunt of the home responsibilities. Even with all the advancements of women in the work force, many of the divorce laws have not been updated to reflect current cultural norms.

[@Jams90.]

Dave: don’t declare bankruptcy Also Dave: let me declare bankruptcy SMH what a clown 🤡

[@stewbugz5213]

My husband and I make over $200,000/ year. My car is 14 years old, I don’t own designer purses, and we don’t take elaborate trips. We truly know who our real friends are!

[@EmilyAllan]

I had this exact experience as a young person in 2004. Everyone around me was spending money and I couldn't figure out how they were so rich compared to me. I was nearly debt free and completely broke. People my age had new cars and bought houses I could never afford on good conscience. After 2006-2007 I knew the answer. They were spending money they didn't have. Some of them were borrowing against equity in homes, some were borrowing money they could never pay back, some were inheriting money from family, etc. The truth was, a majority of everyone around me was broke and didn't know it yet. When the layoffs came, all of those people lost their houses and cars. The few that stayed employed struggled through some very tight financial situations.

[@tmi4507]

Lady I’m 33 as well. Trust me, not many other people our age are “affording” anything you’re seeing. It’s called everyone has gone insane and lost their marbles with borrowing money from a bank or putting everything on credit cards. The fact you have no debt except your mortgage is how it’s supposed to be 😂.

[@LauraShell]

I fully agree with our age group in a lot of debt like you said, and also I see parents who still pay for their children who are our age. And I mean pay- cars, houses, vacations, etc. (This should not be the norm.)

[@alycewich4472]

@@LauraShell 💯

[@leprechaun3677]

@@LauraShell ​​⁠ ain’t nothing wrong with that. I’m a millennial, my grandparents are paying for my vacation along with my wife and kids. What is money if you have no one to share it with? Frankly, she’s 33 and is unmarried, her fertility is falling in half year over year for the past 3 years. She could have all the riches, and retire early; but who will she share it with? She might be rich, but she’s very poor. Millennials, men and women alike have been told 30 is the new 20, go to school, climb the career ladder, feminism, etc. but I think many women are finding themselves thinking this is what they want without realizing that’s the voice of present day culture. Maybe you don’t want a family/ kids, that’s fine. But if you’re a woman in your 30’s who ascertains to have it all. I have bad news for you, because biology doesn’t care about your ambitions. And for me, my goal is to buy all of my kids their own house. Why wouldn’t I want to pass down my own wealth with those whom I love? Why shouldn’t it be the norm? I think you thinking it’s wrong shows exactly what society and social media has done to skew your beliefs.

[@LauraShell]

@@leprechaun3677 I understand where you are coming from, and I think you missed my point. A lot of our generation feels entitled to other people's wealth, and do not know the value of a dollar. I think we also see things from different viewpoints. I can tell you have made assumptions about me that are not true. I do not believe in the woke feminist movement that is going on today. I left corporate for family, as that is more important to me. I made sure to set myself up to hopefully not fail with what I had made and to be of extra help to the family, as I, like you, want the generational wealth. I will pass it along to my kids when I pass on though. I want to make sure they know the value of a dollar too, and don't just blow it like some children of wealthy families do from time to time. (I have personally seen it happen). Hope that makes sense where I am coming from now

[@mle011]

You’re not going to scare a career woman who is winning at life to settle for a loser just to have a baby. We’re out here freezing our eggs and waiting for the right man and the right moment. It’s 2024 - get with the times, the science and technology has been here for 40 years and nobody has to have kids in their 20s if they don’t want to.

[@melilifabulosa5505]

That last bit of advice about addressing her loneliness..spot on!

[@jimroscovius]

You are a big winner!! Don't let anyone else tell you otherwise.

[@CrystalJoy-32]

It's sad how difficult things have become in the present generation. I was wondering how to utilise some money I had. I used some of it for e-commerce business, but that sank. I'm thinking of how to protect my $300K stock portfolio from decline is my main concern, but I don't really know which way to go.

[@LuvmeRos]

There are strategies capable of delivering consistent gains irrespective of economic or market conditions, but these are typically implemented by seasoned investment experts or financial advisors.

[@FrankPatrick-no8zo]

I concur. In light of individual experience working with a financial adviser, I presently have over $1m in a very much enhanced portfolio that has encountered dramatic development. It's not just a matter of having money to invest in stocks. you also need to be knowledgeable, persistent, and have strong hands to support your investment

[@alicegomez7232]

Could you kindly share the contact information for your financial advisor here?

[@FrankPatrick-no8zo]

I work with "Monica Shawn Marti" and we've been working together for almost four years and she's fantastic. You could pursue her if she meets your requirements. I agree with her.

[@RonaldPaul-rs6kt]

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

[@3ddiEdotcom]

I quit FB about a year and a half ago. Never did TikTok or Instagram. No more comparing myself to those folks since I don't see or watch that nonsense. You're doing a great job, caller! Keep on killing it! 😊

[@youtubemobilegaming]

It's very true. It's proven that many of the videos on social media are rented out cars/houses designed to be used for social media as its only purpose. They are lying about their lives to try and make money of it by getting interest and its ruining many peoples mindset about whats realistic.

[@fabric.soundz]

Delony says the key things, I knew it was the generation then he beat me to it about having to find the right kind of people/friends. I approve this message.

[@richardlincoln886]

My Dad told me when I was a kid, "There's always someone with more" , i.e. not in the vein of don't try, but the angle of don't compare too much. It's pointless.

[@jeraldbottcher1588]

yep, there ix always someone better, richer, smarter, more accomplished etc than you are. grow up and be happy with what you have

[@alycewich4472]

@@jeraldbottcher1588 And , at the same time, there's always someone who is less capable, not as smart and less accomplished and less wealthy that you are. As one saying goes, "I was unhappy because I had no shoes, until I saw someone who had no feet."

[@lauracanedo1446]

I haven’t had any social media besides KZbin since 2018. I deleted my Facebook in September 2018, my Instagram in 2016 after three months of using it, my Twitter in 2014 lol, and I’ve never had TikTok, Snapchat, etc. It has been one of the best decisions I’ve ever made. I even limit my use of KZbin. I would rather make memories and enjoy my life.

[@AnnaSzabo]

I’m with you. Deleted all in 2020, best decision ever

[@alejandrosotelo5176]

Same about 6 months except KZbin because y can control what I see here, kept the real fríends phone number and don’t need more, it’s the closest thing to being a kid again that’s how I see it😂, all that adult problems everyone talks about is literally that

[@NeoAndersonReloaded]

Credit=drama Cash=peace

[@lunam7249]

debt = $0

[@aeromedical6776]

Exactly. My wife and I have been on a cash only basis for the last decade. This causes us scrutinize our purchases because the money is immediately spent from our checking account. It’s allowed us to build wealth and we will retire with dignity. We don’t compare ourselves to others.

[@handleyobusiness]

@@aeromedical6776 Respect 🫡

[@Digger-Nick]

If you have the cash there is no reason not to utilize credit...

[@jrb2474]

Bitcoin=financial freedom

[@zachjones2346]

I don't even do social media but I get really impatient with myself and my own goals.

[@mikeshaw4610]

Agree you are winning. Most of the people you are talking about that look like there doing so good are 1 or 2 paychecks away from loosing things.

[@ballinforlife9]

Another thing not a lot of people point out is I didn’t realize how many grown adults still receive help from their families. I’m not just talking about watching the kids I’m talking about grown adults being given money by their parents to afford a down payment on a home or being bought cars, etc. I went to a rich kid university even though I grew up in poverty ( had a lot of scholarships) but it was eye opening seeing the upbringing differences. One of my friends from college just got married and his mom and dad gave him $30k as their wedding gift, was mind blowing to me

[@MrSteeDoo]

*losing

[@GeneralChangFromDanang]

@@ballinforlife9 That's the difference between rich families and poor/middle class. Rich families tend to help out the younger generations while lower income families will sell property that has been in the family for generations just so they can buy a boat.

[@Sir-Prizse]

I'm a 31 old single male with a paid-off house and without debt, but all this social media crap makes me feel like I'm behind everyone else in my age. That makes me kinda sad.

[@kellygarvin7955]

Congratulations on your paid off house. Well done!😊

[@ClassicFormulaOne1]

You are free!!!

[@ricedrown]

WOW 31 and finished your mortgage. You are the winner. If my calculation is right, I will pay off in 51

[@adamsartjourney]

Haha I read Next Door Millionaire 10 years ago and it completely changed my perception of individuals who like to show off their trips and flashy things. The reality is, most of them are broke.

[@Archer335]

Loved The Millionaire Next Door. Stop Acting Rich is a great book as well. I’ve read it twice.

[@jameywallace5133]

I’m almost done with it!

[@JustinCase780]

@@adamsartjourney It's a fantastic book. Dave stole the concept 100% for his silly data story of interviews with millionaires.

[@alycewich4472]

@@JustinCase780 If you're talking about who I think you are, Ramsey Solutions paid for that information while the author was working for said company.

[@lennytheleopard]

This was the most uplifting thing I've heard on the internet for ages. You guys are doing a good job

[@californiadreamer2580]

"Social media" is often just antisocial media. I rarely watch or listen to anything on 99% of those platforms. This young woman has her priorities and her head on straight! I hope the friends she chooses have a similar perspective! ❤

[@sarawilliam696]

The 1% of rich Americans think of how to invest their money to increase their wealth during the recession. While the 99% of struggling hard-luck Americans think of how to survive without food and daily necessities in the recession and the coming hyperinflation. I am just about to make my first index fund purchase via vanguard. I intend to invest long term. just getting slightly stuck on how I balance my percentage portfolio between equity vs bonds. Low risk is good for me. Any tips

[@brucemichelle5689.]

You are absolutely right ,firstly I believe money in the bank is not money because it is bond to inflation and losses values overtime, You have to be well disciplined to achieve success and save before you spend Lastly success does not happen overnight it takes time, dedication and self discipline

[@NicholasHarmon-ow3jl]

I wholeheartedly concur; I'm 60 years old, just retired, and have about $1,250,000 in non-retirement assets. Compared to the whole value of my portfolio during the last three years, I have no debt and a very little amount of money in retirement accounts. To be completely honest, the information provided by invt-advisors can only be ignored but not neglected. Simply undertake research to choose a trustworthy one.

[@KaurKhangura]

That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?

[@NicholasHarmon-ow3jl]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@KaurKhangura]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@heavyd777]

Don't compare your insides to everyone else's outsides. Do things to impress yourself, not others. Others are in debt up to their eyeballs.

[@sophie20001]

That was GREAT advice from John!!! ❤

[@thehamiltonshow]

This is called WINNING at life. Way to go!

[@johnf5245]

I never share much on FB or any social media...I go on vacations and don't tell anyone...buy a new car and I don't tell anyone, I keep to myself mostly

[@eurekahope5310]

Got off FB seven years ago. It was one of the best decisions for personal contentment. Another friend I knew said that we were the only couple she knew with no debt. Why are we debt free? Frugal living. We won't gamble our future on fancy cars and homes that will cause us anxiety when we retire.

[@alycewich4472]

🎯

[@Andrew-it7fb]

Facebook is terrible. The algorithm is designed to make you mad because that's what gets people to click and post comments.

[@donjohnson1416]

That was a great lesson Dave taught me too. I actually like things BETTER when people tease me about it or dont like it!!!!!!!!

[@OmitsBagels]

Love how Dave says "This is a problem with your generation"... followed by "Keeping Up With The Joneses" which was first said over 100 years ago.

[@katemiller7874]

Yes we didn’t do it this young. We started we just an ok house Alias the starter home. No vacations. Not really eating out. This is completely different. On steroids.

[@Tigersfan829]

Youre not getting it. The Joneses used to be your neighbors, maybe some family or some friends. Now it's everyone youre connected to on a social media site.

[@OmitsBagels]

@@Tigersfan829 Human nature hasn't changed. It's not a generational thing.

[@Tigersfan829]

@@OmitsBagels Just like politics I'm not going to change your opinion even though things can be pointed out that are factually different than in years past.

[@Andrew-it7fb]

​@@Tigersfan829except you haven't pointed out anything that's different the mentality of people

[@Anubis626]

Man this lady's story is inspiring. I definitely resonate with the comparison thing...but she's doing a lot of the right stuff and I hope I can be like her in a few years.

[@laanierhae]

She's debt free (except her mortgage), paid cash for a Master's degree, yet doesn't think she's winning at life. 🤦🏾‍♀️ Stop worrying about and looking at what other people are doing and be proud of yourself.

[@Scotto97]

You're doing great ! You'll be retired before 55 with $2 million + if you keep on track.

[@EverElia]

Exactly. You have no debt and have your own property. I don’t even have my own room 😫

[@kbanghart]

​@@DJohnson-od6ojAmen to the taxpayers! I like it when taxpayers pay for others.

[@Nardaa-ox3be]

@@kbanghart Are you saying taxpayers shouldn’t pay for military salary and military retirement? Why else would anyone volunteer to serve? I have zero military connections but it’s basic facts. You want to send people to war, you either force them or you pay them.

[@BREEZYM6015]

​@@kbanghartWhat did taxpayers pay for in this instance?

[@hilaryb8807]

From one Hilary to another- you go girl! Keep working towards your goals and don’t let society dictate what your life “should” be. Setting yourself up for financial independence and security means FREEDOM.

[@anthonyfaucy2761]

She has a mortgage so she ain't free and she's in her mid 30s without a husband or kids now stuck doing some pointless masters degree. She is far from success

[@Nonsense116]

My parents are one of those people driving the fancy cars and going on the frequent vacations to interesting places. They are approaching their late 50s. You don't want to know what they have in their retirement accounts..... It would make you sick to your stomach. It makes me sick with nerves. They aren't going to retire because they are already living their retirement.

[@michaellevin92]

I’m glad they’re complimenting and cheering her on. Hearing her story, I feel what she’s going through, and am glad to see such positivity displayed here! 🎉❤

[@mikederucki]

I’m 35 and live in Salt Lake where the caller does. I have friends who have diesel trucks, rvs, big homes, etc. They have it all on payments

[@stormygeo]

I went in thinking, "Oh brother! Another generational battle." But, Ramsey is right on the money. I deleted all social media and feel so much better. Instagram was the worst for my comparison.

[@ericb8413]

This girl is my hero! So smart. Don’t follow the crowd. They’re like really dumb sheep with a herd mentality. Be proud of yourself. You’re awesome 🎉🎉🎉

[@erichchan3]

Why do people even think that social media represents any sort of reality?

[@cathyosullivan718]

I was reading that people who are on social media a lot tend to be more depressed and angrier. Just stay off especially if it makes you feel bad.

[@bcjammer87]

I’m 37 and had felt the same way she does my entire adult life until I found Dave’s channel. I’ve learned to be more happy not drowning in debt than spending everything I make on fancy cars and vacations and losing sleep because I can’t pay off my credit card. Someday I’ll make more money and be able to afford more fun things.

[@goodyangie1]

Dave made a really good point about traveling abroad. I booked a trip to Costa Rica, I found nothing but beautiful pictures. Brother let me tell you I had a rude awakening. They NEVER show you the bad stuff and I promise that sometimes makes a stronger impression than the pretty stuff.

[@3jasonwebb]

When you drive down the streets of Addis Ababa, Ethiopia you can't come home and feel poor.

[@markg999]

How it is at alot of places and social media in general. Social media doesn't show reality.

[@jblover_3014]

In my travels, I go to see the good, the bad, and the ugly. Doesn't matter if its Hawaii, Alaska, NYC, Miami, Paris. I actually like to see the ENTIRE reality of the place. It adds just that much more memory-value to the trip!

[@edwardsheetsjr6004]

I think she’s doing it absolutely right!!! I wish I was that smart at her age. I’m 52 now, and I didn’t start getting my crap together until I was 40, and I’m thankful that I did. Great job young lady. You are defiantly winning!!! I’m jealous of you ❤

[@johndanley4534]

She's so winning. Rock star!

[@Rob78141]

I am one of your biggest fans Dave and I am Bahamian. The Bahamas is not just Atlantis or the few crappy places. It’s a a BEAUTIFUL place with great people and a wonderful culture…take it easy on us Dave 😇.. still luv ya man …

[@JarrettAdkins]

Way to go!!! Great place to be 33 and single. I was silently cheering you on!

[@djpuplex]

No kids and husband. Future cat and dog mom.

[@jimmymcgill6778]

@@djpuplex I wouldn't mind play with her cat. All night long.

[@ricksanchezsflask8794]

Hallmark and Lifetime channels on 24/7 ​@@djpuplex

[@handleyobusiness]

​@@djpuplex Yep, success means nothing with no one to share it with. I'm a well-off man but my wife and kid makes me happier than any bank statement.

[@stevengtv]

So everyone single in their 30’s is failing at life? Come on, there are so many miserable marriages and people who have kids who shouldn’t have.

[@AshtasticAcrobat]

This episode was so refreshing and relatable thank you! 🙏🏽 😊

[@EJ84x]

My friends are always getting new cars.....I always try to guess how far upside down they were on previous car and then try and guess their payment and interest rate. Just burning that money

[@drewblue1164]

My neighbors are getting their 16 year old kids NEW cars and the kids either have no job or just work part time at a fast food place. Why are people so insistent on destroying their kids?

[@blakeharrison3972]

She is an ideal situation, so many people would kill to be in her situation, but I get her thought process, not blaming her

[@BabaBlueJay]

Hearing the reassured happiness in her voice was so cool 😎 I am 36 and in a very similar situation to her. Almost exactly the same situation shockingly. It's why I deleted social media other than @X

[@JoeyNYSDnomad]

I noticed people are never happy no matter what they have or do. They lack fullfillment in so many other aspects of their life.

[@joesmith3590]

Lack of a family leads to lack of maturity. Her grandmother had 7 kids by her age. She don’t need a fancy car she had a family.

[@karenmassey8354]

@@joesmith3590If this was a man would you say the same thing?

[@alluringbliss4165]

@@karenmassey8354probably not

[@alluringbliss4165]

@@joesmith3590the grandmother did not have a choice. Having kids/family is a blessing but I heard a lot of horror stories. I just read about this 10 year old girl who was married to a 32/34 year old man.

[@colinrussell2017]

I think there is such an overemphasis on happiness in our culture. Not too long ago or not that far away, life was about survival; who has time for happiness? A good saying i heard recently is "If you're not happy WITHOUT it, you won't be happy WITH it."

[@bleachelf]

Love that last little bit addressing creating community right where you’re at.

[@gabevilla8578]

2:25 LOL no holding back Dave 😂😂”can you imagine taking at 4 years old Rachel Cruze to the park and expecting her to behave? Not a chance! 🙄”

[@oraza66]

How true ... my first daughter is 25 yo... difficult to keep up when you make comparison

[@jennifer3551]

This is why i call it "Fakebook." I had to make an acount a few years ago to be able to get ahold of the former classmate that was in charge of our 30 year class reunion. While i was on there i decided to have a look around and couldn't believe all the ridiculous lies that people put out there. I saw these pictures of couples, etc showing themselves so happy when i knew in real life that they can't stand each other. It's all so sad

[@harshshukla3226]

These two people can motivate anyone. So smooth.

[@thestorybehindthat5236]

This girl is winning at life. I know people that are 60 who have nothing and are in debt. I know men who are cheating on their wives while the wife posts a picture perfect lifestyle. Don't believe what you see online.

[@Life_of_Matthew]

A big guiding phrase in my life is "don't compare yourself to others".

[@karinaolsen3296]

My sister and her husband always went on trips, had expensive cars, jewelry, etc. but never saved. He passed away and now she's sweating every penny. I don't do trips, no designer clothes, or jewelry and drive an older car, but I'm paying off my mortgage.

[@adrianwhitehead1950]

Alternative to “never try and keep up the Jones”. “Don’t try and spend other people’s money”. This is great advice and this lady is winning big time!

[@Lucysil1970]

My sister and her husband just bought a new house. They also own a new boat and two expensive cars. They are both miserable because they are in so much debt. The funny part is they both post all of these pictures on social media making it look like they have everything. My sister calls me cringe all the time. You’re doing life right.

[@marioherrerajr5293]

Bravo 👏🏻 kudos to this young lady and her accomplishments!

[@Mazu762]

social media has been linked with so much depression, anxiety, and just negative attributes. people who brag on their just cover up their stress

[@alycewich4472]

I'm no expert, but it sure seems as though those platforms are addictive (as in needing an intervention...)

[@VmakesItEasy]

Hilary you rock! You’re the one I admire ❤

[@NickFromLongIsland]

I get what shes saying, my wife and I are 28/29 years old and we prioritize extra money we have for extra payments on our house bc we want to have it payed off by the time we hit 40. We have no debt, invest 25+% into retirement, but we skip the weekends out at the bar

[@sergeysadkovskiy]

A budget-friendly vacation is totally doable-$1,000 can go a long way for a week on the beaches of Mexico, the Dominican Republic, or the Bahamas. With cheap flights and an Airbnb, she can relax and recharge without breaking the bank. A little fun is well-earned! 🌴✈😊 She’s amazing for paying off her debts and managing everything so well! With that kind of discipline, she definitely deserves to treat herself to some joy.

[@LAZERZ-OP]

Comparison is the thief of joy

[@bobmcdoggish9659]

Another great video. Being (relatively) debt-free at that age is remarkable.

[@josedominguez-bf8pg]

This is why i dont use social medias, my goal in life is to live relax and to keep my piece. I travel with money i have and i buy what i can afford. And every night i thanks god for everything i got.

[@Jt-Jt]

The caller and I are sooo similar. Except, I closed my social media accounts 12 years ago, so I do not feel like I am missing anything. I thank my past self for that. ❤

[@richardw3470]

I keep remembering all the new cars lined up for food during Covid. People who lived paycheck to paycheck and then no paycheck. Me with my 1980s car; tp and tins of food tucked away under the bed, desk, dr table, etc. And fortunately I could give $ to an ex-relative who was only allowed $2,000 in savings - that didn't last real long during the shutdown even with the govt aid she received. Live your life, not your friends'.

[@perrylharrisable]

This was really a blessing

[@ayo_k32]

Honey there are 33 year olds paying $3k a month for studio apartments out here in California. You’re doing well considering you own a house and have it mostly paid off.

[@motoshark5847]

Good advice!

[@Weenpuncher]

This girl was not earnestly asking this question. She was just looking for the validation she got. Which is fine, I just wish she had said “can you please just remind me that I’m doing great?” No way she’s been making all these financially-wise choices, to be where she’s at in life, and doesn’t know she’s doing it right.

[@jeraldbottcher1588]

Nothing wrong with getting a little bit of validation especially when you see all of these other messages out there

[@francestaylor9156]

I think you underestimate the power that keeping up with the Joneses has on people. You have to have really thick skin to ignore all that nonsense.

[@jeraldbottcher1588]

@@francestaylor9156 Oh I fully understand the keeping up with the Jones's and envy. When you see someone that has more than you or has what you would like t have the power of envy can be powerful. That is as old as time (Thou shalt not covet and all that). I do agree that social media makes it even harder because of all those people who are showing off what new toy or new possession they get. All the while they are probably hitting the food shelves because they spent all that money on those toys or are so deep into credit debt they are drowning. I have felt envy of others myself. I guess I am a lucky one. I was able to shove that out of my mind. I grew up dirt poor and my parents were always in debt. I refuse to go into debt for anything besides a house. It was not easy!

[@stevengtv]

I’m in a similar position as her and I need to remind myself this every now and then.

[@Weenpuncher]

@@francestaylor9156 I think so. I deliberately avoid social media that makes me feel that way! I think I forget how inundated some people are

[@b61020]

She's doing great!!!! Social media has NOTHING on this wise young lady. She's already so much ahead in value, net worth and character, hope she can see that.