You Are NOT Defined By Your Past!

[@kathleenphillips7145]

Arrogance and ignorance often go together. Love how cool Dave was handling that rude caller.

[@nathanlamaster]

My wife, daughter, and I were at the Ramesey live recording of this show today. Finally got to shake Dave's hand today and also met his daughter Rachel in the back. My wife and I have completed baby step 6 and paid off our house a year ago. His teachings 100% work and we are near millionaire status now (I'm 34 and my wife is 35). I would recommend listening and working through the baby steps and NOT being arrogant enough to think you can outsmart this plan. It works and my wife and I are proof of this. Thank you Dave for your Biblical wisdom stated practically.

[@dakotaparsell9867]

Congratulations my brother

[@dagobert1234321]

Congrats 🍾🎉🎊 at this pace you will be a multi-millionaire very soon

[@brianmcg321]

Congratulations. My wife and I will be making the trip when we get our house paid off. That will be in a about two years.

[@lilcajunqueen888]

Congratulations!!!! Happy dance time😊

[@VinnyFecha]

Hwy

[@halfmoonyogi4997]

I love the concept of paycheck to purpose. I work in the mental health field. I couldn't imagine doing anything different. Within the field there are a variety of roles. I started out working with adults in group homes, and my whole day was watching TV, cooking, and helping them with ADLs. It was boring and I longed to be more than just a body, but it paid well. Then I worked with folks with developmental disabilities, which was more rewarding but the pay and the hours left me broke and eating peanut butter sandwiches for all my meals. The financial stress wasn't worth the passion I had for the job. Now I work with kids at a crisis unit. I work 40 hours in 3 days, have 4 days off a week, and make enough to live on my own with a cat, do recreational hobbies and still save some money each month. The job is challenging, but I have plenty of moments, at least one a shift, when I am reminded why I love my job. It's a goldilocks job. I could get paid 5 bucks more an hour if I wanted to work with higher acuity kids inpatient and do hands on restraints all day. But instead we are hands off, do really intentional work, and I get paid to bake, play, and teach skills that will make a difference.

[@heatherjohnson5612]

I love that Ken was super irritated by how this rude man spoke to Dave!

[@dakotaparsell9867]

Carlton & Felicia congratulations that was one of the best that free stories I've heard in a long time.

[@francineg2758]

Absolutely loved them! Awesome family!

[@j.rothchild173]

I bought a 1400sqft fixer upper for $38,000 with a personal loan form lending tree. My payment was $850 at 5 yrs and i was also paying extra to the principle. I later I got my credit score up and transferred the loan to a teachers credit union personal loan at a lower interest rate,, now $950. Now i have $12,400 to go on my mortgage or personal loan. Didn't mess with mortgage companies or banks! I have the deed to my home and thats the best part! What others have done in 15 or 30yrs, I was able to do it in 3.8 or something! 6 motorcycles and 5 vehicles, all paid for with $70k before taxes. Never loose hope, just keep going and you'll get there!

[@Rexrif]

The two debt free screams were amazing and inspiring

[@dixienicoara]

Way to go Anna!!! I'm a regular Ramsey show listener and first time I've heard a caller fromMountain Home! When I heard, I was like "hey thats where I'm at" So cool =)

[@shansatt7302]

Love Carlton and Felicia Debt-free story. 1:07.

[@robinechols3810]

The moment Dave hit mute I literally burst out laughing.

[@queenie8677]

Wow. That caller is very rude. 😑😒

[@diannamc367]

I will never live in any place with an HOA. Why would you ever "buy" a home where you pay extra money for people to tell you what to do?

[@opieutt9038]

Yeah, just move to the country!

[@diannamc367]

@@opieutt9038 I lived in a small city most of my life and the closest we came to an HOA was city regulations. Mow your lawn, keep your garbage picked up etc. But, yeah, I'm in the country now. I would love to be farther out than I am but, at least I don't have nosey neighbors bitching if I'm a little late mowing the lawn!

[@opieutt9038]

@@diannamc367 Same, I'm in the woods with a cabin that's 100 yards from the road. The bad news is trees blow down in Midwest tornadoes. The good is you clean it all up in your own time. 🌝😂

[@wheeltipsjoeaccessviewruss5575]

Dave you are SMOOTH but I’ve never seen you smoothier than the way you respond to the caller who compared you to Warren Buffett💯❤😎💯

[@dianem4188]

Yay Carlton, Felicia and family!!! Congrats on changing your family tree!!! Much love from KY.

[@carltonhayden5480]

thank you appreciate it

[@rachelmelendez9255]

Wow did I just hear some one called David stupid?! Wow Dave is a pro!!

[@jesslove8372]

Dave calls people stupid out of love. That caller called Dave stupid out of arrogance. Very different motives. Anyway stupid is just a term for foolishness. Proverbs is full of sayings calling people foolish.

[@meadowsandminefields8079]

"after finding out that my ex girlfriend was untruthful"...dude...how tf are you blaming her for your violence?! This is a once and future abuser given his victim blaming mentality. I could never hire someone who blames a woman for lying as a reason to beat her/verbally abuse her/financially abuse her....what a terrible approach to life. Ken gave excellent advice.

[@brianmcg321]

I never understood why some people can't accept that some people have a different investing philosophy. Dave has his and a lot of people have theirs. It all gets you to the same place. The thing is, I'm a big indexer. But I adhere to having some in aggressive growth indexes. I have a total market index, An OTC index, and a growth index. The OTC and growth indexes have absolutely obliterated the total market index the past 10 years. They have average 20% while the total market was 15%. Still all great returns. But I'm glad I have been more aggressive in my investing.

[@amandaengastra1496]

Some of the best debt free screams I’ve heard in a while during this episode!

[@wickedbird1538]

My husband and I saved enough to start looking at homes. After we found the house, my in-laws surprised us with enough money to put 30% down. :)

[@pamettmayer2391]

God bless the both of you.

[@foxiedogitchypaws7141]

Information for senior citizens on social security

[@dakotaparsell9867]

Call in

[@buibuibuirockineverywhere8701]

The rude caller…. Wow. Dave really kept his composure and cool and I’m surprised. Much respect! 😳 I’m so curious as to why and how did this caller get through? Doesn’t Kelly do the screenings beforehand allowing callers to speak to Dave to avoid trolls like this?

[@brianmcg321]

They let them through on purpose for entertainment.

[@jordanking905]

Rude but that was hilarious

[@droptozro]

The caller didn't have any tact---but in all fairness Dave has had his share of calling people who DIY investing "stupid" for going without help from one of his SmartVestors. I listen to almost every single episode on podcast and he has done it often enough... and I'm in agreement with the caller. It's pretty easy and cheap to buy the whole market thru index funds on your own without paying someone 1% cut of your earnings through life and Dave's arguments are easily shut down. He has entire rant videos from 2-3 years ago making bad arguments against those of us who don't need to hire someone to help us invest our own money. He's welcome to do what he wants on his show though---there's plenty of times I thought about doing a similar call in the last couple years, and this is about how I figured it would go. So glad I never wasted my time.

[@jackielambert8208]

@@droptozro r4

[@danielmeyer847]

Hello, how are you doing today??

[@annakanareykina8557]

Would be very interesting to know how much net worth or debt that rude guy actually has lol

[@Fakeduke7]

2 cents. And he just gave it away.

[@niuginigaming]

Anyone else find it ironic that Ken mentioned that "people can be awful " just before that disrespectful caller? 🤔

[@throughmyshadow]

Rude caller wasn't wrong necessarily. However, Dave has never told people NOT to buy index-funds. He simply prefers actively-traded funds and whenever a caller says they have money in index-funds, he says, "cool, that works too". For the average caller, an actively-traded fund is going to give them more peace of mind. They will be less likely to buy-high sell-low or do stupid timing strategies.

[@debbiehedrick9396]

My favorite show! I love it!

[@gracielaromero1189]

I love you guys!!Thanks for the advice💕

[@robloxdev22234]

Anna is amazing ❤️

[@dougprentice1363]

Love the debt free screams.

[@mattp1000]

The first call- It's that how it works when your marry someone you inherit their debt?

[@happydays1336]

I believe, according to tax current tax law (2022), if the mother gives her son and his wife $100K she and they will end up having to pay a substantial gift tax. Currently a person can only give another person $13K annually without triggering the gift tax. She could give her son $13K and also his wife $13K. Either that or it'd be a one lifetime gift of $100K which won't trigger the tax. The mother would then not be able to give any more monetary gifts to them again unless she and her son and wife are willing to pay the gift tax. If the woman is married both she and her husband can each give the son and wife $13K for a total of $52K. Because of this, the woman would be better off to give them the $100K over two years.

[@sarahgoldey2792]

wow ,nice control Dave,how do you keep your cool

[@campoida]

That guy should be ashamed at how toxic he is.

[@annetraut8247]

25:00 these people have pretty low energy for people who are now DEBT FREE!!! I think they need a vacation after 4 years of gazelle intense!

[@goldenglowladore3842]

Thank God that we aren't defined by it!

[@nickieburgess6223]

Please don't tell me I'm the only one that claps my hands and says change ...clap clap If u don't like it then change clap clap... 🤣 I can't tell u haw many times I have done that to myself since I watched that one 😅

[@addylynn7941]

GO ANNA!!

[@angelwings1]

Omg that caller!!! 😳 Sort him out Dave!!!

[@angelwings1]

@pinnedby Russell Bran... stop spamming people.

[@tabbethadobbins1]

What in the world with the caller insulting Dave????!!!!!!

[@lorimendoza4721]

You want to see terrifying you should have seen my spreadsheet years ago

[@happychappylife4283]

That rude guy was a valuable call as it shows the extra reach Dave could have. The first videos I found a little bit to what he said and did not like the Democrat bashing. I hear much less of that now and hear any government. I see Dave as ultimately helpful and so great. Follow the steps and you 100% cannot go wrong. 100% that's a record and stat for ya. So let the haters come we say thankyou now go be rich here are the baby steps knuckle heads.😏🤣

[@jamesp9998]

Someone is going to be in trouble for letting that caller get through to Dave. LETS GO BRANDON

[@gusmueller8360]

ken went to liberty and learned in his biology class how the lord used MAGIC to fix the problems with inbreeding after the ark landed. why am i not surprised?

[@Werdnasemajjamesandrew]

Literally has zero facts. No statistics. Just helps himself im sure he has millions in personal assets because he takes advantage of his platform.

[@thedopplereffect00]

If Dave wants to help people so bad, why doesn't he just publish his magic stock fund mix with high expenses that he claims beats the index funds to the general public?

[@jcoyne1978]

My options of mutual funds inside my 401k outperform... so it really is not that hard. You can do it in an ira as well.

[@syedmalik1908]

It isn’t that difficult. There are tons of funds out there with good long term track records

[@tduck828]

He is not licensed so he can not state that.

[@sXePunkV2]

@@syedmalik1908 for example? Name one

[@jcoyne1978]

@@sXePunkV2 man... literally any decent large cap growth stock...

[@yiethan5gmail433]

Ramsey show is so relevant. I've been following NFT'S for sometime and I've been able to make good profits lately. $25k weekly. Trade Wisely

[@craighuttenah806]

That's amazing. How can I contact you?

[@lucasbryant7025]

Thanks for the recommendation you gave me weeks ago as I have made my first $7k within one week of investing $1k. Thanks you

[@yiethan5gmail433]

@@craighuttenah806 👆