Top 🔟 - MILLIONAIRE Calls on The Dave Ramsey Show

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[@HikerHansen]

Really like the new video upload format lately. Instead of focusing on 3 videos a day I couldn't hope to all watch, instead I get a much more manageable to watch one-video-a-day, plus top 10 videos that are long enough to leaving playing while I doing monotonous task like cleaning.

[@almaprieto2301]

Billy Hansen dvthhgnn

[@saloben85]

same I'm 22! and I have a vision and I'm sticking to trading small cap stocks

[@robertmorbach711]

Billy Hansen I

[@WifeofaJer]

I have a long charge cord for my phone. I usually drive by myself, so I will find a video about the length of my drive. I set the phone in the back of my drivers seat pouch and let it play. It has helped so much. I wish I would have actually followed this months ago.

[@WifeofaJer]

Correction years ago, but I found this all on googling saving money to pay off debt.

[@letsgotomarsman]

“My net worth is around 20 million dollars “ “Oh pretty cool”

[@dreambigbigger1622]

Ramsey probably dumb rich cause not worth means nun he probably stacked in the bank

[@rickyrudolph41]

He paid $20 million in cash for his office, so he’s going alright lol

[@nslouka90]

“I could see 20” Me: per hour?

[@Fizzy944]

@@nslouka90 just got there (20 an hour) as a college drop out

[@theoutlier66]

Hahahahahaha

[@meganhoskin1130]

Im only 19 years old and im taking notes and already applying this to my life.

[@Bearbait01]

Megan Hoskin marry me and we can be multi millionaires 😂

[@Willow_and_Sage]

Make this the poly of the Mega Megans Supersavers

[@peter-jm1pu]

I wanted to ask you to merry me but someone already beat me to it.

[@nevadaeby9006]

A girl that is fiscally responsible!? This is a rare beast lol

[@keepyoureyes7505]

Marry me im 18 lol

[@alexpasko9540]

"im worth 20 million dollars" Dave: sell your car

[@farmgrowncountrystrong]

😂

[@jesterpoker]

sell the house and kids

[@michaelseangarrison2867]

I don't want to see you inside a restaurant unless you're working there...Oh, you own it.

[@curtisg8399]

Beans and rice, beans and rice

[@insertoyouroemail]

tahm to leev lahk a dauhg

[@AngelaSchans]

17 Min: Don't change your standard of living when you get a raise. Be satisfied with the small things, with what you have.

[@uluvnic]

I can constantly rebuking greed! When I want more that means I think deep down I don't have enough. Listening to Dave R. helps keep my flesh in check! :-)

[@Vincee3]

This was the best thing I heard out of the whole video

[@MichaelDavis-uu9zh]

It's the drive to become better and have better to push you out if your comfort zone too grow. If your satisfied you're stagnant and slipping backwards.

[@nickbadry4122]

Yepp 100%true!

[@roxannegordon6162]

Don't have children. They will depend on you for the breath they take.

[@T25de]

Finally a millionaire Let’s get the top end Car Honda Accord

[@mannyespinosa1285]

👏👏👏👏

[@shiftace11]

I laughed so hard haha!

[@LeeSerrano]

Honda Accord is an awesome car!!

[@missiondesignservices1233]

I loved that! Totally how to become a millionaire! :)

[@wildmikefilms]

Accords are dope don't let anyone tell you different

[@masoncallahan1695]

I'm 17 I've been listening to Dave Ramsey with my dad since I was 14 or 15. Ive had a job since I was 15 so I've saved up about $14,000 to get a head start on life. By December I should have about $21,000. My tactic because I'm a minor with low taxes and no experiences is save EVERYTHING!!

[@TC-qx2kg]

What is your job to earn so much at such a young age

[@masoncallahan1695]

I was able to get a job at 14 working at a machine shop sweeping up but learned how to use all the machines and now I've worked full time for about a year now. This comment has aged well I'm glad to report.

[@TC-qx2kg]

@@masoncallahan1695 when I was your age I was earning €5 minimum wage

[@FXCartel]

@@TC-qx2kg try 4£ an hour.. 1£ every 15 mins 😳😂

[@TC-qx2kg]

@@FXCartel sounds about right😂😂

[@RMalai]

things in common. happily married. both work. live below your means. work hard. dont borrow.

[@randyhusband8542]

MALAI: well said, my friend.

[@NA-lp2re]

Thank you for highlighting these stories. If we ignore the boring stories where people were successful doing the right things we forget they exist.

[@rickaquino6419]

I filed bankruptcy back in 2008 due to the real estate crash. With money discipline and faith in God, both my wife and I have a net worth of over 4.2 million.

[@Quoteory]

Don't give all the credit to "God" you made yourself rich Edit: Don't mean this in an offensive way, believing in God won't help you become Richer or Poorer, but being dedicated will that's why there is still poor Christians and rich Christians you can't simply become rich just because you pray hard enough you gotta put in the work

[@jparekh18]

In 10yrs??? How did you do it???? that's awesome!

[@dobattlers]

Coffee love this comment

[@tommy2346]

@@jparekh18 probably the bull market, and debt. My guess. Not saying he doesn't know what he is doing, but would it work in the bear market? That's the question

[@investedfemelle7564]

BOOM!!!!

[@coffeewithmike3916]

This is my future for sure. And at 24 years old i so glad that i have these words of wisdom at a young age. Thank you lord.

[@motopolak]

Same. I'm 25 and have been a natural saver throughout my life, but being debt-free out of college (working through all 5 years) helped out a lot. I started investing recently and am super excited to try to hit the $1M mark as early as possible!

[@joeehrmantraut4297]

Keep at it man. Hoping to make this my future as well.

[@fabiolatelisma6416]

Joe Ehrmantraut I was

[@bondingwithbryan8269]

really inspired to see posts like these from people of a similar age. I am 25 and pushing for rental properties in 2021 to start a major change in my wealth. i wish you all the best ! WE HAVE TO SEE A MILLION !

[@smoothiegreenburg6065]

while not trying to say these ways are wrong an option for your everyday kinda gal or guy is to get into a company with an ESOP. one its a good way to not have a "whats the point they make more money i dont" kinda attitude which initself is a better quality of life. two when your company does well and you have a significant amount of stock that you have earned every year you stay with the company when the bigger fish comes to buy it out youre getting a big payday. im not going into details since id rather not be held for ransom but my dads company which he had a very decent amnt of stock in sold for 500m and he is an engineer, now project manager. being an engineer was already a well paying job but the right company is key over job title :) !

[@MathiasGreenwalde]

I'm so happy that I found Dave a month ago! I'm 19 and can confidently say I will never go in debt. I got my dad hooked too! Dave is a gateway drug to success!

[@dobattlers]

Matthew Shaver please understand the difference between bad and good debt.

[@dillonh321]

But my parents told me to never do gate way drugs... Lol

[@dillonh321]

Yeah I'm 17 and taking notes and already intergrating this into my life. Only if I can get my parents to get serious about getting debt free, in fact seeing how debt has effected my parents life has helped motivate me to stay out of debt and handle my money better.

[@Will-jg2zs]

Old thread. But I'm your 100th like lol I love Dave too btw!

[@wescald]

Are you rich yet

[@laj4186]

Caller #1 has such a great speaking voice/vibration/energy. He is such an inspiration to an Entrepreneur like myself.

[@Shenieta]

He sure is!!!

[@4islandbeauty]

A pure soul

[@AdaEstherGJ]

I loved his attitude and what he said as well.

[@ChrisCox-wv7oo]

Yup, good guy.

[@thisisshauna6986]

I loved the first caller’s outlook. The Highway55 guy.

[@tylerarnettay4144]

I worked with hwy55 for almost 2 years, kenny is a great man

[@Shawn-ho6de]

That is cool to hear.

[@bbostic_5]

What I noticed is that he asks everyone if they ever bought a new car. New cars absolutely rob you on your way to prosperity.

[@AngelaSchans]

"It's not about me." (at 7m15sec.) Placing the interests of the employees and their needs even before my own. That's when it all turned around....WOW!

[@AKwildernessfarm]

It’s a very nice thought. The business side is, they bought portions of his debt to own their own stores. Very common practice, leveraging debt.

[@ememman1460]

My English teacher once noted that his elite students were always the ones helping out so that's cool.

[@kodymonroe2613]

But now did he do it ? Killed me how he didn't explain how

[@nicolac967]

I am a Zimbabwean 26 years old and am totally inspired by this. Thank you to the callers and to Mr. Dave Ramsey.

[@darkhorse4955]

Good for you. Pay yourself first. Save, invest.

[@redcomic619]

I believe you will be a millionaire one day. Keep on pushing forward!

[@adamcarson3363]

You got this! How's it going 4yrs later?

[@SOFTGUYERA2024]

As an African, first rule is to always leave your money in dollars or pounds. African currency can devalue to zero quicker than light.

[@olajumokeolusoji8680]

Am so hooked on this chanel. ....best thing ve done in 2019 so far.

[@mbinze1298]

Best thing indeed. I have told a lot of people about this show.

[@Psychokitten113]

Im in Oztralia, theres nothing like Dave Ramsays channel her on Oz...

[@jamesmcguire3008]

Psychokitten113 barefoot Investor. Get on it

[@LadyR489]

Say no more.. currently reading total money make over. Love it

[@phillipellis1057]

Same!

[@Oncopoda]

I'm older (32) and I have always been good with money. I see a lot of young people in the comments determined to do well and I'm proud of you guys. Free advice? You guys already have the right mindset, be careful who you marry. If your significant other has bad financial habits it WILL affect you.

[@scorpion8rage]

I advise just not to marry... much more functional.

[@elizabethtimothy4776]

I second that. Not only having bad credit but you must be on the same page financially, because even if he/she has no debt, but financially illiterate and not ready educate and implement the knowledge, it's wrap, infact a deal breaker.

[@groundedapproach]

The first caller was a legend. How inspiring

[@Papawforreal]

“The eighth wonder of the world is compound interest.” 🤣🤣🤣🤣🤣🤣🤣🤣 I love it!!!

[@Krinbo]

"Tomorrow will get here, and when it does its gonna hurt." No truer words have ever been spoken.

[@sarahmar123]

Notice how none of these people (that I’ve heard) are doctors or lawyers. Most of them have middle class jobs however they allocated their funds towards things like real estate investments.

[@jeanettefullmer7525]

Yes! This is a great thing to have noticed!

[@maloxi1472]

Doctors and Lawyers (and other people with high *salaries* ) tend to suffer from lifestyle inflation, one of the greatest impediments to wealth preservation

[@channell11]

@@maloxi1472 Ain't that the truth. I've known several doctors that make great money but are always broke. A lot of it comes from making no money to suddenly making a lot of money rather than building up more gradually. They think they're rich and start living like it.

[@McRuffin]

I've been watching the Dave Ramsey show for quite some time. I started a 401k, Roth Ira, and opened an account for investments. I'm almost 21 and my net worth is only around 5,000 but I will be working very hard and planning to retire at 45. I'm in college so my income will be lower till I graduate. And will be paying cash for school! I'll post updates as I go along. Wish me luck!

[@jackiea4077]

Good luck and stick to it. Wish I knew this when I was younger but it's never too late. Good for you :)

[@jaboris2x843]

What u tryna do after college

[@julhe8743]

Read this book. The richest man in Babylonia

[@carlaferguson8269]

You can do this baby!

[@supercrazydesi]

Great plan, good luck! I’m 40 and wish I did this to retire in another 5 years.

[@DStabs720]

My uncle had plenty of money and was the biggest giver I’ve ever known. He’d do anything to put a smile on people’s faces. One time a single mother rear ended him and she was distraught about her car. She was saying how she could not afford to pay for the damage. He ended up contacting her bank without her knowing and paid off the car note. One of the coolest people to ever walk on this earth. I miss him everyday!

[@Shawn-ho6de]

What a cool uncle!

[@DStabs720]

@@Shawn-ho6de coolest guy to ever live! I may be biased but that’s what I think.

[@donnafontaine2799]

Your uncle was quite a guy from what you said about him... A kind and generous person for sure!

[@EricGreen]

I'll be posting here every year until I'm a millionaire. As of now I'm 20 years old worth $33,000

[@gnollio]

Looking forward to next year's update! Keep it up!

[@redcomic619]

Gnoll Proud of you, keep it up.

[@EricGreen]

@@gnollio Hasn't been a year yet, but as for an update I'm at $42,300.

[@claudioestrada8872]

@@EricGreen oh shoot didn't think I'd find you here! Oscres here! Keep it up man

[@denvermeraw2570]

Me too man, keep it up, and don’t try to keep up with the Joneses. It makes me sick how much debt people will go in to have “nice things”.

[@NickDoucet]

Moral of the story: Live below your means.

[@olegkomarnytskyy166]

And invest the rest

[@russrockino-rr0864]

If you buy new cars, keep them for 15 to 20 years. We buy Toyotas new or up to 4 years old, take care of them, and keep them 15 to 20 years.

[@OGWanderingNomad]

I’ve been wanting to buy a 2016 4 runner, and keep that for 20 years. But they are still so expensive just 4 years old. I’ll just have to run my 12 year old tundra until it bites the dust. Too much gas though 😩

[@mycupoverflows7811]

Yes I bought a new car (dumb) in my 20s for $15k. We drove it till we outgrew it and sold it at 13yrs old for $2k and a year of piano lessons for 3 kids lol.

[@nodsib]

Had my Toyota for 19 years, still going strong... and it was 7 years old when I bought it in 2002.

[@giuseppesarto3657]

IT'S NOT ABOUT YOU. I hadn't really looked at it that way and now I'm really glad I heard that highway 55 guy

[@cody7790]

Watch lisa nichols, she is a motivational speaker. “Success is on the other side of service”

[@andygarcia3585]

“Don’t change your standard of living when you get a raise” I tell this to everyone I know and they all look at me like I’m crazy.

[@Big-Government-Is-The-Problem]

and you can look at them like they're fools when they ask how you ended up a millionaire 😎

[@AngelaSchans]

13 min: Always live below your means, work with your spouse never try to keep up with the Joneses- Great advice!

[@felipebarron3479]

Who is Jonesses?

[@kaemn]

@@felipebarron3479 im pretty sure it means if your neighbor has a new benz, you dont go buy a better car to try to look more flashy.

[@ExoticTuber]

I turned 21 two days ago, I will be one of the millionaires speaking on this show by my early 30’s.

[@justinc2633]

whats your plan

[@ExoticTuber]

Justin Well my plan changes all the time honestly. I wanted to grow my canvas ecom business big but Facebook ads are so inconsistent so that dream was crushed. I am an electrician though so I plan on creating my own electrical company because there is a lot of potential if you are a smart businessman as well as a good electrician. I plan on getting my first rental property in the next few years here.

[@ExoticTuber]

Justin Or instead of rental properties I might just do value adds and flip houses (since I can save money on the electrical, which is normally expensive). I’ll most likely do that.

[@ExoticTuber]

Justin the electrical company I work for right now specializes on custom mansions, so I normally ask the home owners for one piece of advice for a 20 year old wanting to do big things. That helps me out and also seeing the mansions and all the cars keeps me really motivated and inspired.

[@justinc2633]

@@ExoticTuber it sounds like you have a decent idea as to what you want to do, flipping real estate is a good way to make money too, especially if youre willing to do some work by hand. Idk what its like where you live but for me if the house is my primary residence then it's tax free. As for ecommerce, theres lots of ways to make money in that, and you can scale pretty easily to millions of dollars a year if you know what youre doing, but if you planned on doing dropshipping then good luck, its not like it was in 2018. If I were you, id look into doing some real estate wholesaling. It doesnt require money, you can make good money, it will teach you how to determine what is truly a good deal and you can get a big network of other investors and possibly a mentor. Your network is your networth. Good luck in the future

[@thomaskraus5125]

We need a curriculum in our public schools that teaches the principles of financial management that Dave Ramsey teaches.

[@dogguy8603]

Be a boomer/lucky?

[@oneofyou6773]

They actually teach about finance, saving, economics and money in wealthy schools. The rest of us have MTV and Hiphop channel to learn about spending money.

[@dennisgarage9028]

We just bought our second duplex rental property with no payments and no debt. This channel has been pure gold for us.

[@Hellokitty7163]

Is there a particular reason that all the millionnaires are white ? Seems like they don’t réalise that other people don’t get the same opportunities that they do. Food for thought.

[@dennisgarage9028]

@@Hellokitty7163 I guess that depends on the projected motive you have to insinuate something based on race. I'm willing to bet most millionaires in Hong Kong are Asian. I'd also be willing to bet most millionaires in Saudi are middle eastern. Unfortunately, to continue to answer your question, here in America all cultures do no perform equally. The Asian community here generally as a whole experience "white privilege" more than other races since they more often have a two parent house-hold, are far less likely to be on drugs, lower incidents of crime and incarceration, are more likely to become a college graduate and experience higher incomes per capita than other races here. The problem is sometimes culture can hold a whole group of people down and when you're not allowed to address that problem without extreme criticism and blow-back than there is very little you can do to change it from the inside to help. Also, this is America buttercup, everyone has opportunity here no matter what race you are. You should see if you can think of any institutional privilege afforded to only white people. Then, let us know. Food for thought.

[@twincherry4958]

@@dennisgarage9028 Caucasians get approved for loans more than African Americans...it's a fact. Not always because of credit...it was hard to swallow when it happened infront of my eyes. I use to live blindly thinking racism is not so much an issue. It systematic and embedded in the system.

[@dennisgarage9028]

@@twincherry4958 If you've seen it with your own eye you should have had them start a discrimination lawsuit. Any low risk applicant the bank encounters with good credit and income will be approved. You've been sold a bill of false good. Please provide a single law, statute or policy that discriminates based on race for either a government or private institution. If you could show us any of these or prove someone was denied due to their race that should be fairly easy to display.

[@twincherry4958]

@@dennisgarage9028 You cant be that naive, can you?

[@Fitforacting]

Im 35 and just got married. My wife and i bought our first house at the same time. No consumer debt and just tbe mortgage to knock out. Thank you Dave for all that you do. You saved me 2 years ago and helped me pay off our cars and all our credit cards.

[@Fitforacting]

Also paid cash for ring and entire wedding and honey moon.

[@Hello-tp3xd]

Reynaldo Balmes beast

[@ashrick718]

I COULD CRYYYY this first man is AMAZING!! God bless him!!!

[@keynikka]

So inspiring, I love hearing everyday people with their stories. It is true how some of us think we can't do it because the way the media portrays wealthy people. This gives me hope .

[@mariai9549]

the "media" ? the media doesn't invent greedy wealthy people. They are everywhere just as hard working, financially responsible people are as well.

[@johnjackson9767]

The media is full of divisive propaganda that doesn't line up with reality.

[@julieeiler6909]

I have...had many trails along the way. Head up...make it happen. How r u doing?

[@ChrisWilliams-kq9qq]

Media it's not just the media most of the so-called rich people I've ever been around or complete assholes I mean real dick heads they give back by tipping an extra 20 and then they get in the Porsche and drive home to their gated community mansion I watched a rich dude one time hanging out the window of his brand new truck hollering at a homeless guy because he walked across the street to slow and was holding traffic up I absolutely hate rich and successful people all I've ever done my whole life is barely pay the bills you should see Christmas at our house it's embarrassing we go to the nice neighborhoods and they have all their decorations and their reindeer on the front yard Christmas trees huge with all these presents and then you come to my neighborhood one person has one little string of lights cross the front yard and half of the bulbs are blown I was at a funeral last week one of my uncles friends was a special forces isn't that funny the lower-middle-class are the ones going overseas getting their brains blown out and they come home screwed up in the head and on drugs and I don't blame them if I saw my friends head blowed off next to me and the government left me out to dry when I got back I'd probably be on drugs to trying to take my mind off of this stuff but here we are on KZbin and it's all sweet and fun listening to these rich people talk about how many businesses how much money and how many new cars have you bought while the people making that possible or getting killed every day and you just don't hear about it

[@arisgod2749]

Just stumbled into this video, never heard of this guy. Lots of good things, but one thing I want to say to people is don't forget to also LIVE. And no living is not buying 50,000 dollar cars. Do everything to remain healthy and enjoy hobbies. My wife and I love to travel with our kids. We have been to 20 different cruises, we have traveled to Europe etc. I am retiring next year at 56 and can't wait to get to more places. And if you are asking, net work a little over 5 million. it can be done if you don't have bad debt which I consider CC debt, car loan debt, and student loan debt. Mortgage is ok because you are leveraging but still pay it off in less than 15 years.

[@nocigar7730]

Beautiful people and beautiful stories. What an inspiration. I'm 25 now and I'm gonna be a millionaire by 40. Mark my word!

[@croixfossum508]

This is so great. None of these folks inherited their wealth. They just worked hard, saved, and invested. This is achievable!

[@Benary96]

Literally 24 years old right now and I'm watching these videos trying not to be like my family who had money squandered it...I want to set myself up for success and prosperity.

[@fobbitguy]

I like how you say that generosity is a form of investment

[@bridgetandrade349]

kevin murphy why

[@RawOlympia]

generosity is good but it must be in the correct places, sometimes you can create a monster! my city was known for generosity and now it is tent city !

[@bucketrance]

‘giving”

[@johnjackson9767]

@@RawOlympia You can't be generous with other people's money.

[@johnjackson9767]

@@bridgetandrade349 You want to ensure that your communities are strong and responsible so that your kids, their kids, etc. can have the same opportunities you did. Church and charities are the best way to achieve that.

[@tptrading_23]

Wow this is an eye opener! Dave talking to Millionaires telling us exactly how they made their millions. Not one said they hit the lotto. LoL

[@TabithaDavis]

Dave. I'm gonna be on your show one day.

[@julieeiler6909]

U still on track? U can do this

[@builttolaugh]

And I’ll be right next to you :) we can do this!!!

[@new_filler]

"hey dave im calling because i'm not sure if I should take money out of my 401k in order to avoid filing for bankruptcy"

[@TabithaDavis]

@@julieeiler6909 yes!! Both cars about to be paid off in the next month or so.

[@TabithaDavis]

Update! One car paid off, next one will be paid off in a few weeks 🙌🏻🙌🏻

[@mj369lucky7]

Please do more of millionaire calls.. so much wisdom

[@antoniosmith3592]

Just listened to a dozen of these testimonials back to back. It definitely put the fire back under me to tackle debt. No debt will remove that hovering black cloud and allow us to fast track a little better. Time to get it!

[@vt3780]

Two years down the road - How's the fire going? Have you met your goals?

[@daejonmoody3304]

Update?

[@LadyR489]

Antonio Smith you got this!!

[@natas0733]

Yea bud hows it going nowadays? Debt gone yet?

[@jonnyweber3311]

???

[@jay-rus4437]

Working on applying these things in life the past 6 years. At 40 years old my wife and I sold pretty much everything we had, started our own company, bought used cars, built the business with hard work and cash. Today things are still growing healthily, and we still have no credit cards or consumer debt. We do owe on a recently purchased used truck, but looking forward to getting it paid off. We live simple, work hard, and spend our excess time together as well as in ministry work.

[@illllinois]

They all have one thing in common: none started a business out of debt and they all disliked debt and paid it off ASAP

[@Cfergsthebest]

You every think maybe Dave picked them for the show for that reason?

[@khizarqureshi8840]

@@Cfergsthebest well, I think Dave is showing the safest way to become millionaire in reasonable time. I like his ideas and his strategies. You can become a millionaire with this but you will never become someone with $10M or even 50M unless you know the complex way to leverage and use debt intelligently-which 99% people lack.

[@Cfergsthebest]

@@khizarqureshi8840 pretty much what I've said for years except we probably disagree on what reasonable time is.

[@davidmmm8]

Cfergsthebest Of course this is so.

[@shikha5246]

Yay! Another long video while I clean and prepare my online classroom for tomorrow. These videos are part of how I stay motivated to be productive

[@ThomasNichols89]

Love watching these TOP 10 videos! I watch a little bit of Dave every day to keep the fire in my heart! I'm 27 years old, married with an 18 month old at home. We Have 108,000 in debt, and if we follow our plan, we should be debt free in about 3 years (Most likely sooner if we account for raises), emergency fund and house down payment in 4.5 years, and house paid off in 7.5 years. Before I'm 35 years old, we'll be in such a strong place to grow our wealth and hit MILLIONAIRE status! Thanks Dave for showing us the way!

[@ittakesavillage5461]

Thomas Nichols keep up the good work!

[@lisabaltzer3163]

Thomas Nichols I will say a prayer for you that you accomplish your goals. I believe it is possible.

[@octoniumvideos]

How’s it going with your debt?

[@peanutbutterisfu]

I like the caller at 17:00. About 7 years ago I stopped being so much of a fool. I stopped buying expensive clothes, having too many expensive hobbies and just living under my means. I’m no where near a millionaire but the past 7 years of being smart set me up to own 2 businesses without taking on debt to do so. It took time but not going into debt to start my main business (automotive repair shop) made my over head super low so pretty much from the start I was making money. Had I needed to take on debts my overhead could be so high that I wouldn’t make any money for a long time which could turn into the business closing.

[@jonnkatt87]

this has to be the best video ive seen on youtube all i do is dream about being financially free and buying my first house and figuring out how to do so this is what ive been looking for....a mentor thanks man this is gonna be a life changer mark my words!!!

[@deathrowtodisneyworld5030]

You can!!! Just keep working and saving hard, you can achieve whatever you set your mind to!!!

[@OhhhJP]

Jonn Katt never forget money doesn't buy you happiness. you may be more comfortable, but only family and yourself can make YOU happy

[@OhhhJP]

Jonn Katt but yes, money will help haha

[@breevestal]

Your book is the only thing I am getting kids for high school graduation. I wish I would’ve started out adult life with this knowledge!

[@seansmith4150]

Breezy Bear Which book r u talking about??

[@seansmith4150]

Plz help

[@757optim]

FPU?

[@michaelcooper4345]

I think they’re referring to total money makeover

[@mandlakei2513]

no, start them on the book now! don't wait for graduation.

[@19Hollisterchick90]

I like how he mentions being in the military and becoming a millionaire. A good friend of mine was in the military for 30 years and bought 7 homes, 6 he rent out for 2k a pop; he gets 10k a month from the military til he dies; and he just retired from doing data entry at a hospital making 90k a year. Btw, the military paid for his Phd. His only vice is cars, but he's incredibly cheap elsewhere. He bargains a lot at home improvement stores and turned his modest 4 bedroom home on one acre into a 3.5k sqft home on five acres. Same address, btw. People think you have to make a million a year to be rich, but it's really a modest income plus wise investments.

[@lizh7475]

I'm not sure your friends being truthful what rank was he to make 10k a month from the military in retirement? My husbands military and I know the system lol

[@mantasvalciukas5734]

It blows my mind listening to these people saying 'only 100k+ a year', jesus christ, American dream is still very much alive is all I can say.

[@MrDonny27]

It really that much if after taxes

[@dilloncoleman480]

That is also a household income most of the time. After a lifetime of working and moving up 100k is pretty reasonable if that was the only income.

[@xplics]

Watch you mouth!

[@shqipebelgjike1274]

@@dilloncoleman480 my household income would be 35k, so yeah 100k+ is really big money

[@shqipebelgjike1274]

@@dilloncoleman480 if i would make that, i would be millionaire in less than 5 years

[@adrianghandtchi1562]

I'm 24 and I thought he was talking right at me, tapped this video on accident after my finger slipped on screen. I turn 25 this summer, and I want to carry on my families enntrepenurial passions through a business of my own. And yes This is for me and I want to do it and know it will take a long time

[@teev7]

“Sacrificing and working hard does pay off.”

[@brandonaguilar5538]

I started my business at the age of 19 I’m 21 now and my business made $70k first year 2nd year my business made $167 Now this month of January 2021 will be making $40k and hoping this year will be great 👍🏽

[@Reyhoustonrealtor]

Fba?

[@evanscheruiyot8853]

Wow 😧 What do you do for living?

[@ExperiencedGhost]

Good to have a millionaires on the show as well, they show that they had it rough in the beginning. Many still think they all had enough money in the beginning and that other people did everything for them. They show that believing in their dream got them through those rough times and that they had their hands dirty.

[@romanovskie3381]

Gosh I feel like 1Million is so far away but these are awesome testimonies! Really inspiring to keep pushing forward and I hope to reach financial freedom sooner than ever! Currently the wife and I are 25 & 26 years old and between our work 401k, Roth IRA, Saving accounts and emergency funds we have about $115,000 and no debt at all. Once you get rid of all debt and the saving and smart investing begins it does not take long for money to start compounding on its self and the growth explodes.

[@roxannegordon6162]

It would be interesting to hear if all this wealth would happen if you were single, or had children or end up single. The math is exact and children are expensive.

[@annemouse6788]

The short answer is that as long as you can stay regularly employed you can do this at any income level.

[@Big-Government-Is-The-Problem]

whats that 115k at today?

[@jermaineporter1101]

I’m the 25 year old listening and I’m applying this to my life

[@LuisJEspinal]

This video literally changed my life 3 years ago, It introduces me to Real Estate and to business, great a love it!!

[@alisayoung]

What's your net worth growth since then?

[@justlivelovelaughfrugally]

When parents pay for college, that’s a huge help. I’m happy for all these millionaires that started from the bottom up

[@explodev2550]

I like how Dave and the first caller has a flowing conversation like they were friends already.

[@MrMitchSH]

finding dave as a younger viewer feels like i won the jackpot. this is the first time in my life, 24 years old, that i have goals for a new year and am EXCITED to start working towards all my debts. 5k in consumer debts will be paid off this week, 4k will be in my savings, once i hit 10k im putting all extra income on to paying off my truck, then save save save!

[@roserobertson4395]

why aren't we taught this kind of stuff in school !!! i wish they would.!!!!

[@shqipebelgjike1274]

Money is worth nothing!!! It's a man made system! See how far you get with your money if the economy collapse,

[@kaitlyne1870]

How are they supposed to get more money out of us if they keep teaching us how to not give it all to them?

[@thobanimthethwa2081]

Yeah man, y?, I mean I feel like I wasted my precious tym in school studying french revolution, instead of studyng abt how to be I millionaire even more

[@nkaiseng4698]

Because u got no money then...

[@Big-Government-Is-The-Problem]

my high school had a personal finance class teaching about dave ramsey and other things. apparently a lot of schools have Daves curriculum, and thats a great thing

[@ciaracorr6015]

Kenney seems like a really nice guy!! His employees proly love him

[@daviddebergh254]

The oilfield millionaire hits home. As a semi truck driver in the oilfield I live below my means. Great video Dave, stay safe and God bless.

[@ET-ns3hj]

My husband and I are hooked .. been listening while driving from California to Arizona. Love Dave Ramsey show.

[@khalilmuhammad6823]

Listening to the owner of the company talk about empowering his employees really brought a tear to my eye.

[@KidCity1985]

I'm looking for a guy like this first one, what a winner! It's not his money, I have my own. He has joy, hard working and excitement for life!

[@rothschildianum]

Brain and the ability to restrain from buying stuff are the key!

[@Devil_10341]

#2 Dan $700 for college in 81. Whatever happened to those days

[@subhanrukh]

mas mogul 700 it's equivalent to 7000 now

[@carnivoreRon]

I think, the government guaranteeing money for the colleges caused the colleges to raise tuition.

[@alabama_dawg7396]

@4GreenFrog ding ding ding

[@andye5573]

@@bobbyboucher187 They ruin everything.

[@samuellewis5318]

$700 would equal $1,933.72 in 2018

[@Robjohnnetwork]

Dave : what’s the most expensive jeans you’ve brought? Caller : ahh $4.00 Dave : (millionaire laugh ) 😂 that’s ridiculous That’s fabulous lol Have a great day!

[@twincherry4958]

In high school

[@_coachk]

The success stories that didn’t begin with an inheritance of some kind. It CAN be done - recognizing the sacrifices made is a must.

[@ma.lovellasibonga6729]

I love listening to Dave even if I am not based in US. I learn from him time tested principles on money be it saving for emergency fund, investing, knocking off of debt, and ultimate goal of financial freedom.

[@ishalocke1123]

Agree with #7 - Wealth is a mindset! Love that Dave realized that early in his career!

[@frankish5314]

Same story for us.. kind of.. I emigrated to the US in 1996. Paid everything off by 2003 and retired in 2014 at the age 52. My Wife retired last week. We saved at least half of every paycheck and maxed out retirement accounts, IRAs and after tax savings, We have never had a car loan and did all our own maintenance.. I have taken a few and interesting jobs after retirement.. Guess what, working when you don't need the money is FUN! So even though we started in our late 30's we still made it to financial independence well ahead of normal retirement age.

[@TheElysian7]

Frank Hinde so inspiring!

[@ZayCold]

Frank Hinde whatd yall net worth tho

[@roxannegordon6162]

Us, we, we, ....same ole story a two paycheck family, both on the same page......not very typical in my life.

[@Yourbestie_lydia]

So refreshing to hear a nurse that made it. Nurses don't get bonuses and other stuff like that (at least where I have worked), so I have really worried that I will never get there, but we will eventually.

[@mitafoaj]

I'm very thankful for this show Dave. Thank you.

[@AdamGbl95]

When you actually paid off your debt and reached a level of wealth...you qualified to make Dave laugh🤣

[@roger3958]

“What’s your secret?” “Don’t have kids!”

[@justinhindman8515]

I just turned 21, and started saving about 1.5 months ago and doing everything. Just stopped myself from purchasing a new car which would be $399 a month over 73 months. I make roughy $25000 net and also a full Time college student studying industrial engineering technology. I have 1.5 more years and I alt for school with cash and no student loans. Saving around $1k-1200 a month and it feels so good :))!

[@danfitzpatrick8517]

Thank you dave from the bottom of my heart for caring enough to teach the public these concepts. I will surely do better than my parents, who never were able to teach stuff like this

[@floridaman6982]

Is there a beans and rice, rice and beans recipe available from dave Ramsey? He should make a savings cook book!

[@jackiea4077]

Wish I knew about dave in my 20's 🤦🏻‍♀️

[@undocumentedcodesucks]

Just knew about him and i am 17 yrs old, planning whether i should go to college or not

[@justinc2633]

@@undocumentedcodesucks it depends what you wanna do... it might not hurt to learn a trade and start making 50k a year, even if you wanna move on from that. im 19 and wanna start investing into real estate, you dont need a degree for that.

[@SuperGiftfromGod]

It's never too late! Don't count God out!! He can catch you up and give you one witty invention that can put you ahead of everyone ;-). Ask Him to be part of your finances.

[@MysticBoltz]

@@justinc2633 Become a real estate agent and get your license. great way to start

[@joshjoseph5003]

It's never too late. I started 10 years ago and my wife and I are almost multi millionaires. It actually becomes fun after a while.

[@Andreas4696]

I love watching this. It actually feels very relaxing and relieving to listen to some very intelligent people.

[@CourtneyyMorriss]

This is such an inspiration. Thank you to all of the callers and Dave

[@1p4142136]

There is a misconception thar rich people don’t work but the true is that they work harder than if they were not rich. Nothing comes from just working 40hrs a week. To succeed you have to work extra hours.

[@mariai9549]

Yep, the guy that owned the restaurants worked open to close every day.

[@silviamonz2062]

True,nothing comes from nothing

[@Evan_Almighty556]

You gotta be satisfied with the small things. Just like God tells us in Hebrews 13:5, "Keep yourself free from the love of money and be satisfied with what you have." That was very strong... God bless you, Alan!

[@Bartzy13]

I know Kenney Moore personally and he is a great guy. Very friendly to all his employees and will occasionally come to the restaurants around Mount Olive.

[@donnafontaine2799]

I have to check out his restaurants even if the drive is a long drive from MA

[@IvelisseMelendez]

I’m saving this video on my personal development playlist. Such amazing success stories.

[@asmit7498]

Wonderful video, I love how accessible being a multimillionaire actually can be, and this video just shows a very clear theme on how it can be done. Great series, so inspirational, god bless you.

[@biz4smitty]

That’s Absolutely Awesome!!! 👏🏾 👏🏾 👏🏾 Meeting the needs others is always key too!

[@MrMichaeledavis83]

So good! Very inspiring! I hope lots of people will see this and be encouraged.

[@lazer263]

Keep note that most of these folks are in their fifties, and Dave was amazed by the thirties millionaires. This takes time, but patience pays.

[@lorrainehenry9240]

Kenney you are an inspiration. I loved your story, I loved your ethics. I love your passion.

[@Lightbulb909]

My God, that's beautiful. To think of the well-being of others before you're own: this is exactly what Dave said about being generous. Generous people are more successful, and this franchise owner is the living proof!

[@camzdecasa6911]

Thank you so much Dave for this Show,, I keep listening and learn all of you. GOD BLESS YOU ALL!