You CAN Become Debt Free, It Just Takes Baby Steps!

[@catherineskis]

Dear Mr. Ramsey, Your Core message to me is "Hope". Making $10K a year, divorced, and being a roomate. While listening to you on U-Tube, I sat down with a paper, pencil, my statements..."I can do this". And, I did.

[@lisalaude4431]

Catherine, how are you doing now?

[@catherineskis]

I am doing fabulously well! I bought a house when there were too many on the market and the banks wanted to get rid of them, $130K, I worked two jobs, the house is down to $90K. Yes, I had a roommate but I now only have one job, at the Veteran"s hospital, all the over time I want, and my car is paid off, a retirement plan, emergency fund, just like Dave said! I'm also saving to take a trip, in two years, to go to Germany!

[@pammiller4832]

@@catherineskis way to go ..... Fabulous job

[@cpayne5]

John in Atlanta - I was in your shoes, except a little older (37). I was a Fed for 11 years. I had progressed to GS14, but wasn't happy. I'm a computer scientist who loves technical work. I was being pushed by management to be...management, which I never want to be. :) I crunched the numbers a thousand times, knowing I would be better off financially if I left, but I kept dragging my feet. The security (contrary to what Mr. Ramsey says...job security is real in the government) and pension were holding me back. It took me a while to pull the trigger, but I finally did it. I took a job with a contractor for $60k more per year. I couldn't be happier, and I now control my financial future to a greater extent. Only you can make the decision, but I'm super happy that I left! Good luck and godspeed!

[@krisbatch7894]

I'm hoping Angela listened to Dave and the Doctor. Please Angela, for your own sake. You can be happy away from your ex and your brother.

[@ellea2541]

Her brother is a disgrace. How can he live with the man that's maltreated his sister? Can he really not find ANYONE else in America to live with?!

[@gaelmarc6258]

I know Im asking randomly but does anybody know of a tool to log back into an Instagram account? I was dumb forgot my password. I love any tips you can offer me!

[@ShepherdMinistry]

Love is selfless it does not focus on self. We should value others above ourselves. The Bible says so. She shouldn’t be focusing on her worth. Instead, doing what’s best according to Gods word. What would be best for her ex according to Gods word is the answer. Love protects you. However, true love is selfless. Philippians 2:3-4 New International Version 3 Do nothing out of selfish ambition or vain conceit.(A) Rather, in humility value others above yourselves,(B) 4 not looking to your own interests but each of you to the interests of the others.(C)

[@brandydejesus1675]

I definitely teared up with quesheara's debt free scream. She has so much drive and happiness. Love her!!!! What an inspiration. I also have a goal of debt free by 30 😊😊😊

[@Pandorash8]

Great advice given to Angela. Both men have given her sound advice from a position of strength. Please grab hold of their courage Angela, even if you don’t have it yourself, and you push yourself to move forward on your own. This is where you need to set your heart aside and use your logic to save you from yourself. Make decisions that you would tell a dear friend to make. Look after YOU and let your ex (and brother) sort themselves out. They’re grown men. YOU come first. As Eleanor Roosevelt said about staring down fear and having courage, “You must do the thing you think you cannot do.”

[@investorplus5101]

Thanks for your feedback. For more guidance W....T....H....A....S.....A....P....P +.6....5....7....2....3....4....4....5....9....7 let him know I referred you. do let him know I referred you.

[@ShepherdMinistry]

That is not biblical though. The Bible tells us to put others first. True love is selfless, not self seeking, true love protects us.

[@Pandorash8]

@@ShepherdMinistry the bible also warns us, “Do not give what is holy to the dogs; nor cast your pearls before swine, lest they trample them under their feet, and turn and tear you in pieces” (Matthew 7:6). The Bible has a lot of practical advice on avoiding toxic relationships. Being selfless in a marriage only works when both parties do it.

[@kathleen859]

I love that john asks dave questions!!!

[@debg8622]

I like Dr. John’s advice on your Ex is an infection. You need to get surgery. I agree! You can do it girl! I was married for 18, divorced for few years and never been happier!💝🌟

[@annakcasey]

Quasheara needs to be a guest personality or something. Confident, driven, intelligent, I really enjoyed listening to her tell her story!

[@investorplus5101]

Thanks for your feedback. For more guidance W....T....H....A....S.....A....P....P +.6....5....7....2....3....4....4....5....9....7 let him know I referred you. do let him know I referred you.

[@jessitabonita]

For Angela: I’m surprised that Dave didn’t recommend or gift Dr. Henry Cloud’s book/audiobook “Boundaries.” Because clearly THAT is what she needs help with.

[@ShepherdMinistry]

What they recommended is not biblical though. The Bible tells us to value others above ourselves, to put them first before ourself. True love is selfless and not self seeking. True biblical love protects us.

[@charliehuey1976]

It works, it seems impossible. Become intentional with your money. Live like no one else, so later on you can live like no one else.

[@juicycouturecollectionsam3473]

Thanks Quasheara you are my new motivation. 😊

[@catherineskis]

Dear John in Atlanta, move up not out. In the Gov't you can do that. I just got a job at the VA hospital and I know that I can move up.

[@parky1401]

God is so great!

[@wickedbird1538]

13:10 The woman who is getting a huge tax refund. I try to do my simple taxes every year on June 30. I double the numbers with 26 weeks of wages. That tells me a decent estimate of my refund or tax due and I can make needed adjustments. I do it again with at nine months and estimate the final quarter. It’s not perfect, but I get it close.

[@chrisklappich5998]

15% starting at 47 is not going to be enough for retirement. Even if he then takes all the savings on the house after 8 years and puts that in as well. He will lose out thanks to compound interest. I’d say at least 25% retirement and then throw the rest at the house

[@eizhowa]

If he saves 15% of 130 000k for 20 years he will have a million saved up (assuming 8% interest) and a paid off mortgage. He will be better off than the vast majority.

[@MacGregor9488]

Mr. Ramsey is king!!

[@tayloranderson8981]

Pay to Caesar’s what belongs to Caesar.... Mark 12:17

[@investorplus5101]

Thanks for your feedback. For more guidance W....T....H....A....S.....A....P....P +.6....5....7....2....3....4....4....5....9....7 let him know I referred you. do let him know I referred you.

[@monicadhenderson8670]

Congratulations 🎊🎉🍾🎈 Benji & Nikki debt 💸 free!!!

[@monica4729]

The debt free screams are my favorite!

[@toby7291]

I wonder if some of these people that call can tie their own shoes.

[@catherineskis]

...On paper. Thanks Mr. Ramsey

[@Pmagmaster]

I have lived on less then I make I'm 28 an have 106k invested an I don't make alot of money iv worked hard to go an drag that animal home

[@OMEGANERDGAMING]

I needed to here that my self about the women and her ex.

[@businessmanager4746]

In that app they see all you business I use a record keeping book 📖 non nobody business how much money 💰 I have

[@EmilyLucille523]

59:00 We did that but it made our 18 yr old daughter run off with one of those 🙄🤦🏻‍♀️💁🏻‍♀️😳

[@investorplus5101]

Thanks for your feedback. For more guidance W....T....H....A....S.....A....P....P +.6....5....7....2....3....4....4....5....9....7 let him know I referred you. do let him know I referred you.

[@sweetfayce18]

It’s an emotional thing. I wait until the very last minute because I have to send them a 21,000 check. I have the money to pay them, I was just stalling

[@eckankar7756]

In this episode he says for retirement not to put investments in lower risk/lower return rate avenues yet in other episodes he says for people over 60 to do just the opposite as you don't have as much time if the market goes down to recoup losses as the market returns.

[@aundirussell8644]

thanks for the teacher shout out!!

[@federalpostTV]

More power to Ramsey Show!!!!

[@investorplus5101]

Thanks for your feedback. For more guidance W....T....H....A....S.....A....P....P +.6....5....7....2....3....4....4....5....9....7 let him know I referred you. do let him know I referred you.

[@sharonsweeney4709]

Love your show Dave, wish you were set up in Australia!

[@investorplus5101]

Thanks for your feedback. For more guidance W....T....H....A....S.....A....P....P +.6....5....7....2....3....4....4....5....9....7 let him know I referred you. do let him know I referred you.

[@ctrl_alt_del100]

Can someone explain what he means by 15% of your total income so when I have what would be 15% of what I make yearly in my IRA stop putting money in it?

[@amy2284]

Depends what baby step your on If your in baby step 4,5,6 (you still have a mortgage - put 15% of your gross income to retirement accounts match/roth/tradition in that order. Then dump the rest of your money in paying off house. When your in baby step 7(that’s when you pay off your house) max out retirement, invest the rest in non retirement brokerage account, spend and give 😊

[@Swimfit998]

Dave speaks and everyone listens

[@investorplus5101]

Thanks for your feedback. For more guidance W....T....H....A....S.....A....P....P +.6....5....7....2....3....4....4....5....9....7 let him know I referred you. do let him know I referred you.

[@YellowBird13]

Angela gave me a headache 😑

[@investorplus5101]

Thanks for your feedback. For more guidance W....T....H....A....S.....A....P....P +.6....5....7....2....3....4....4....5....9....7 let him know I referred you. do let him know I referred you.

[@ShepherdMinistry]

Love is selfless it does not focus on self. We should value others above ourselves. The Bible says so. She shouldn’t be focusing on her worth. Instead, doing what’s best according to Gods word. What would be best for her ex according to Gods word is the answer. Love protects you. However, true love is selfless. Philippians 2:3-4 3 Do nothing out of selfish ambition or vain conceit.Rather, in humility value others above yourselves,not looking to your own interests but each of you to the interests of the others.

[@commonomics]

The security of owning your home outright is sometimes worth it.

[@paulagentile3801]

Trying to understand, I have simple tax, use USA tax totally free, no fee no sales pitch. Why would I oay you! Lol Just saying

[@terintiaflavius3349]

You can no longer claim 1 on your withholding unless you have children though. Trumps 2017 tax bill made sure of that

[@raymendoza8157]

Spring break debt free college kids be like: 43:10

[@JohnBorgen]

Dr John is ambidextrous.

[@investorplus5101]

Thanks for your feedback. For more guidance W....T....H....A....S.....A....P....P +.6....5....7....2....3....4....4....5....9....7 let him know I referred you. do let him know I referred you.

[@m3recordsLLC]

Come on,, ya filed bankruptcy. You took a shortcut to Debt Freedom, it seems like cheating a bit. Do you screen these people before they go on?

[@miketheyunggod2534]

DOESNT MATTER IF YOU ARE DEBT FREE. YOU CAN NEVER GET RICH WORKING FOR SOMEONE ELSE. YOU ARE FOOLING YOURSELF IF YOU THINK YOU CAN.

[@Elizabeth-mt6bb]

That's 100% not the truth but ok you stay in debt

[@miketheyunggod2534]

@@Elizabeth-mt6bb Dave never followed those steps. He started his own business. He tells you to do as he says not as he does.

[@catherineskis]

Ma'am he is a narcissist, you need to watch Dr. Ramini on U-Tube.

[@adriana.ostfriesland]

Could you please stop playing with the pen? Drives me nuts

[@toby7291]

I wonder if they sometimes forget they are on camera. Some sometimes look bored and look at their watches all the time. I won’t mention anyone’s name.

[@investorplus5101]

Thanks for your feedback. For more guidance W....T....H....A....S.....A....P....P +.6....5....7....2....3....4....4....5....9....7 let him know I referred you. do let him know I referred you.

[@atdepaulis]

Get away from that guy and make sure to do your self work.. no more relationships until you figure who you are. How to love yourself and how to make sure you don’t pick the same kind of guy! Love yourself!! ❤️‍🩹

[@ShepherdMinistry]

This is not biblical. The Bible does not command us to love or hate ourself. The Bible says to deny yourself and be selfless counting others above yourself.