YOU Are In Control Of Your Life and Your Money!

[@Cat-es9rq]

I can listen to this man for hours. I’m glad that I found him at 35 not at 65😌

[@ruththomas7164]

I’m glad for you too- I’m still doing stupid stuff at 60- 🤷‍♀️✌️🇺🇸

[@EvergreenVB]

I remember coming home from elementary school hearing about Dave Ramsey and his lessons.

[@tasheekawhite2731]

I actually do...while I'm doing house, work, driving to work, running errands..etc. lol

[@shannoneg2000]

Big same! Found him in my 20s and used his practices to pay off student loans and and my car!

[@shannoneg2000]

@Ruth Thomas Dave and the team always say it's never too late! Doesn't matter if you're 60... you can still make better choices!

[@smallfried02]

I have finally done it. I have a paid off duplex and live on one side, I get paid from my renter, I call it a reverse mortage!! Thanks Dave! I love being debt free!!

[@EvergreenVB]

Nice, my family's been listening to Dave since I was in elementary school so I've never been in debt...must feel good to have that weight off though.

[@mablepugh4459]

Good for you!!! I’m happy for you :)

[@noble78b]

I'm looking for a duplex now. I want to do this. Nice!👌🏾

[@lwn4540]

If Dave ever leaves this show, it won't ever be the same again.

[@kimberlyturner820]

I hope he NEVER leaves.

[@Jupiter888-5]

Yes I will not watch anymore. I will watch the old videos on repeat

[@flex91995]

Dave will leave someday, one way or another. Just sayin

[@devenmurray3580]

Life is about change. Embrace it

[@MittyNuke1]

@@Jupiter888-5 I thought this was an old video since it came on auto play & did a double take when I saw it was from just the other day .

[@johnnylasalo3182]

Never been able to listen to a podcast with ease before. I usually hate hearing ppl just talk and rant… but this is a life saver. The fact of me being able to “change my family tree” got my eyes and ears open.

[@pattyajones]

Oh Franklin................THANK YOU GOD, it's quick. But you are my hero for protecting you family. . Dave, thank you for stepping up in this.

[@byenineto5226]

THANK YOU SO MUCH FOR HAVING ME SCREAM!! It was so surreal to be in the studio today, and was a perfect bookend to my journey. Thanks Dave, and thanks to the Ramsey fam!

[@kimberlyturner820]

I'm right behind you!!!!! Debt free here I come. Congrats by the way.

[@byenineto5226]

@@kimberlyturner820 thanks so much!! Congrats on nearing the end of your journey 🎉

[@johntelles6418]

Proud of you!!! Powerful & Inspiring!!!

[@byenineto5226]

@@johntelles6418 🥺 thank you!!! Makes me so happy people can be inspired by my story

[@meritdavey8732]

Congrats to both of you guys, and thanks for setting a great Christian example even in the face of adversity!

[@melissawalker1325]

Praying for the guy w esophageal cancer . My dad was diagnosed and passed away 5 weeks later .

[@Misterpoisonivy]

Me too

[@melgal8647]

Sorry for your loss

[@platinumhandymansolutions]

Not to get political but Dave would make such a good president. Would he be perfect, no. But at least the country would be moving in a better direction. Ramsey 2024.

[@jen5854]

Soooo many people would vote for him.

[@Pandorash8]

Franklin, I lost my husband last year to an 18 month cancer battle. He was 43, I was 33 and our two special needs children were 3 and 5. I am so sorry this is happening to your family. It absolutely sucks. I hate cancer. If I can provide some comfort, it’s that I was a spender, but when my husband passed I found great comfort in the Baby Steps (it was actually then when I found them as I went looking for help), and I have made wise decisions for my family since. Go through Financial Peace University with your wife, or if you both can’t bring yourself to do it now, leave her the details for it and the podcasts and books, whichever format works best for her. She will focus when she needs to. Remember to hold and love each other. Take lots of photos and videos. See a therapist trained in this area of grief. All my love from Australia xoxo

[@MakerBees333]

God bless the man who called 1:15:00 with terminal cancer. I felt a kick in the gut, if his was found out listening to the show, have mercy. He needs all the help he can get, but the first duck in this row needs to be his wife and those babies. She would be scared if he isn’t the one to tell her. God speed.

[@mikebrown9521]

I did not go through the FPU, but I read the Bought the Total money make over and I did the baby steps. I’m debt free, except my house.

[@MacGregor9488]

Way to go man you’re gonna do great!

[@jessicacirilo3436]

It just gives you a warm cuddly feeling to have a mortgage 😂🤣 Dave is hilarious!

[@Camie2030]

Love how Dave take his time with the sweet girl who volunteers. Kudos to her for calling in and meeting Dave. Great advise.

[@margaretkaczorowski2211]

wow. This was the saddest show. My heart goes out to Franklin and his family.

[@courtneyq5954]

I've listened to the show for a couple months now & Franklin's call was the most heartbreaking call I've ever heard 🥺🥺🥺 Bless his heart 🙏

[@pep590]

Sorry you had to hear that so soon into your listen time. I've listened to Dave for at leats14 years and this was the saddest too.

[@donnamoore4494]

I paid off my home and it is so nice to not have to wait for payday just to give it away for a house payment. Instead it goes into my account. So nice

[@poisonapple146]

Congratulations!

[@user-so1wr2oh1t]

Decided today is the day I'm paying off my student loan!

[@JacksExoticReptiles]

I love how he cuts them off with the button and doesnt say bye lol

[@marietaylor5174]

I do too because it's a tremendous time-saver.

[@flappinshad6973]

I think he just mutes them, they can still hear lol

[@shadetreetech]

Every time I hear the intro, I get that extra little bit of encouragement and energy I need! Thank you!!!!!

[@efhouser31]

I heard the last minutes of the show. I was sorry for that man.

[@michaelwoods4495]

The answer to the "sell the motorcycle" question is easy. Sell it! Or you're not likely to live long enough for it make any difference. They're dangerously unstable and all the principles of camouflage apply to motorcycles so they're invisible to car and truck drivers. As a retired Marine fighter pilot I'm accustomed to accepting purposeful risk, but motorcycles have no purpose to justify the risks.

[@Misterpoisonivy]

The guy with the cancer call almost made me cry 🤦🏾‍♂️

[@myoldvhstapes]

All Dave, all day!!!!

[@kimberlyturner820]

Yay!!👏

[@luckyCat118]

Omg: i was so touched by the person on 1:18, I wish him abs his family all the best

[@cece3194]

Hard to let go of that money if you have sticky fingers. . .PAY IT OFF ALREADY!!

[@teacherbrad9534]

Great couple. I love their story. Wonna have a debt free scream like this one day.

[@CM-sy3to]

I feel for the lady willing to settle for 10k from the government. It's hard to get a good job after having no work history. I couldn't get over 12k working 39 hours and then got my 4 year degree and made a "whopping" 30k. What Dave didn't take into consideration was at 10k, she probably still qualified for another 8-10k in social benefits/insurance. It's scary for the first 4 years where you lose all that before finally turning the corner.

[@KK-ex9pb]

So sorry to hear about Franklin in Washington with cancer. Dr. David Brownstein has some KZbin interviews on using iodine. Also, Dr. Ken Berry has a KZbin podcast on the carnivore diet. Hope this helps. Blessings.

[@Sandra-nu1de]

Omg. A team player is the word I was looking for this whole time.

[@bc_usa]

It's great to pay off your house but you still have to pay property tax. 😐

[@ChrisCox-wv7oo]

Ain't nothing wrong with having a cheap car (granted it's dependable)... I'll rock my corolla till it dies.. In another 300k miles I'm sure

[@beancounter193]

Praying for Franklyn and his family xoxoxoxo

[@oddowen250]

I saved $3,000 moving to state farm this year... homeowners insurance in FL has gone bananas... no one would insure my 15 year old roof for less than $4k - $5k a year! It was insanity. With a wind mitigation and 4 point inspection we were almost back to our old rates. And we are trying to save for a new roof. :)

[@DiscipleSteven]

This call with Chauni is right on the money. She is worried about losing the benefit which should just go get a $40-$50K job or would a couple jobs. That is more than the $900 a month she gets. I'm sure there is some kind of scale so she wouldnt lose all of it.

[@scottkimber501]

I don't know why you talk bad about state farm, I have been with them for over 30 years, always have the best customer service, and always pay any claim, they paid over 600000, won't the supplimental, ins. over 20 years for my mom, trying to save her eyesight. That are Great. And yes almost 1 million dollars.

[@colleengarcia7752]

Me too. They have been great!

[@shanethomas5520]

We bought a house last year and made 4 total payments in that year . $20,000 went to interest and around $3,000 went to principal. That is all you need to know about borrowing money and having a mortgage lol 😂

[@colleengarcia7752]

Dave I know we over pay California State taxes but my husband is so worried about all the crazy tax laws we have here. Anticipating our State taxes is tough. My husband absolutely refuses to figure it out and we are surely overpaying this year, taking even more extra withholding and the State increased our pre tax payments because we both have side hustle businesses. It is so hard to guess!

[@atlas4225]

2 years left on a mortgage... you have already paid the bank all the interest. I wouldn't pay that off, especially as we enter a high inflation cycle

[@ruththomas7164]

Especially with rates so low- I disagree with Dave sometimes about using other ppls money if it’s cheap- your home debt also seems most acceptable to money managers-

[@younggandlegit1]

Just pay the dam house. The first guy who called is so annoying

[@frederickruderman2997]

Dave your program is great and you’re super smart and u have taught me a lot, thank you. On the other hand stop the propaganda, a person can become a millionaire w/ur program but they LIE when 90% have inherited nothing. Their egos are as big as yours and they think it’s something bad, to admit that they inherited some money combined with their blood sweat and tears. Also, my #1 favorite is Crystie Wright, I bought both her books, she’s super smart but I love how she plays you, by combining her good looks and femininity, really fun man !

[@monicadhenderson8670]

🙏🏼🙏🏼🙏🏼 Health & Healing in Yahshua’s Name Amen 🙏🏼🙏🏼🙏🏼

[@Josh-by9fv]

Lol especially in our city golf cart dealers are making a killing.

[@23lauramoreno]

Missed you Dave!!!

[@joelzamora5868]

I'm listening the show from Barcelona, Spain. I'm in a position where i can leave here for a month paying myself instead of a loan. I'm enjoying my ride down the hill. I'm not normal. It feels great to be free. Let's go! Keep being intense to be free

[@aundirussell8644]

tiny houses don't hold their value. i do love them though :)

[@aundirussell8644]

Wow! Trey is only 2 years older than my oldest kid!!!

[@byenineto5226]

Hehe :D

[@helenaroxbigtime]

Dave unleashed! I love it!

[@JavierRamirez-ks9ji]

This literally common sense🤦🏻 don’t know why so many people need to watch this

[@Dbzman-69]

I'm confused, why do you have to pray about taking a class instead of just deciding to take it? 🤨

[@keepyourheadup9183]

How is Franklin and his family doing?

[@gert-jank8992]

I really loved the first caller! Thx 😍❤️😂

[@MrGreg-dw3lv]

Unity is 🔑 Key

[@Opry99er]

OMG, 35 years old and a terminal cancer diagnosis 😭

[@NilaOdiVaa]

Update on Franklin? I pray he’s okay 💔

[@Robert74450]

I wish I could call Dave maybe I will write him but I got a mess and it would do me good to talk to dave

[@thehowtostudios1980]

Private school is really dumb especially for a 1st grader

[@uriel-heavensguardian8949]

Awesome video Thank you

[@nathand.9969]

Move down in bike, and start taking the bike to work instead of the car. Gets you some money, and lowers your gas cost.

[@angievalls7664]

You only take calls from rich people, this people don’t need advice-middle class do!

[@melanie2100]

mortgage debt = bad...get rid of it!

[@rethinkcps2116]

Recovering addict around 19:00 - significant student loans to...sell cars? Is that necessary? 🚗

[@diannamc367]

I'm pretty sure he didn't go to school to be a salesman (maybe business admin?). I'm also certain that his time in the addiction caused a break in his career path. Good on the car company for seeing his potential and giving him a chance.

[@rethinkcps2116]

@Chase Dreams - best to you, going forward. Glad you saw no diss in my question. It was genuine confusion. Carry on. 💯

[@faithsilas4466]

Minute 44 caller sounds like she doesn't want to work

[@charlesadkins7067]

if that woman would have tried to pressure me i would have told her get on down the road

[@jen5854]

Let’s see if my husband sells his boat 😂

[@bik3r230]

Dave Ramsey is kind of wrong on the first one if you could get a $200,000 loan for 2.4% I would take that any day for 2 years you invested in the stock market and pay it off with whatever dividends and small gains you get and then at the end you'll have easily to $250,000 basically free

[@colleengarcia7752]

The person would not have called Dave if he had the aptitude to do this. Dave is about getting rid of debt and risk. His advice is spot on especially for me!

[@shawnfarley3467]

That poor guy 😣

[@monicadhenderson8670]

It does not affect her at all!! My husband passed in 2006. I could make what ever I wanted to. Until I got married they took my $1000 monthly away but my daughter still gets $1100 till she’s 21 I guess.... never the less I wanted to be married again & I did in 2008. In 2020 I been in Life Insurance business for 5 years & I earned $106,000 income. Do it Girlfriend become Entrepreneur no college degree 📜

[@mr.wilken8482]

My wife a big spender, bit i control the financial in are family when she trying to make me over speend on any thing i say , Dave Ramsey wouldn't agree with that and it works all the time .i make her believe in Dave principal.

[@ap1873]

53:20 YESSSS

[@snort5203]

Frequency therapy !!!

[@jvnp834]

That last call…

[@joes0406]

You're not completely in control of your life...

[@enigmathegrayman2953]

1:58:43 We’re living in a confused world.

[@ИринаНазарова-л6з]

Stop

[@vintagestereocollector3415]

Just becareful with your life style one false move your richnest can be gone just like that people with so much money sometimes they have more debts and problems,Here in united states Hmmmmmmm ain't no joke 🤣

[@charissedecalongne2553]

Dave was quite rude to the first caller. I used to be a big fan, but he’s gotten so full of himself. Humble yourself, sir

[@azimatempe]

%

[@miketheyunggod2534]

I have been watching these videos and it seems Dave Ramsey is in control of your life and your money. Not one of you can think for themselves. Very sad.

[@patriciasimpsonnewton9395]

There is a difference between giving advice and controlling someone's life. People call for advice. Wise people ask for advice. Proverbs say "In the multiple of counselors there is safety."

[@ivanaandric5703]

You are pathetic. And jelous 😂😂😂!

[@samanthamcclain1246]

He always says you can do what you want. Personal finance is just that. . . . Personal. But if you are gonna ask his opinion and advice, he's gonna give it to you.

[@fugitive011]

Love the show. Hate the christian angle.

[@regularity2556]

Go watch something else

[@TellMeMoore]

Hate is a strong word

[@joshuarigden]

You don’t get it. :/

[@rachelt.7408]

It’s been 8 months, I wonder how Franklin and his family have been so far. I hope he is still doing well. I hate cancer and it’s truly a thing of evil.