🤑 Dave Ramsey saved me 200k in interest and taught me it was possible to pay off my mortgage early. 35 and completely debt free. House included. Thanks Dave!
This is why there are so many failed relationships. Imagine people actually realized love isn’t enough to make a life together. So many lifestyle talks to have
These kids will be going places if they’re asking questions like this. It’s always possible to turn your life around but avoiding the red flags before it happens will definitely be beneficial in the long run!
Seems like a perfectly reasonable question for high school students. Why? because many of them are dating, and some are getting close to college age. I have multiple friends that got married before they were 21.
Getting married before 21 is the STUPIDEST thing one can do! It is EXTREMELY rare that someone has their 'life in order" at that age. Instead, build a career, gain some experience, put a little bit of money "aside" and *_THEN_* think about tying the knot. Typically that means waiting at least till 25!
747-pilot you’re saying that in a way that groups every single person into the same category and way of thinking. I got married before 20. I’m happily married and we’ve been building our life/career/goals together since getting married. Like Dave mentioned in the video, the number one reason for divorce isn’t age, it’s disagreements on money. Some people are ready to get married at or before 18 and some people will never be ready. Surprise surprise. It’s almost as if every single person is different and individual :)
@@747-pilotI was married at 20. We celebrated 17 years a few months ago. It’s not for everyone and has its own challenges, certainly. But I’ve seen people who waited and do it your way struggle. They’re already set in their ways and have a very hard time combining their life with their spouse. I got to “grow up” with my husband. We are learning and building together.
It pleases my heart to know that at least some high schools out there are teaching relevant information thank goodness that’s exactly what kids need to be taught especially in high school actual things that people have to do in life and experience in life like finance etc. And PS I’m not that surprised and a specific one because it’s coming from a Catholic school
At this point in my life it would be really important to have that conversation before things got too serious. I don’t think I could be with a woman who is not financially responsible.
This is me and my wife. She has a very stable income, whereas my income is more inconsistent. We know what we both spend and plan our variable expenses based on my paycheck before payday. We work together on everything and always find a way to make things work
What is wrong with people not preparing themselves for their own life? Obviously things happen but it’s not ones responsibility to pick up the pieces for someone else. And it’s not right either !
Mine agrees to the plan and then becomes manipulit8ve when accountability happens, then lies and hides and refuses to talk. Months and years of thus never ending toxic cycle. Help!
Even if the high school offen a financial course like this. Most high student just going to ignore it or think Dave ramsay is annoying. They are busy have fun with their friends.
How to deal with crazy ppl in each other's family is MAJOR. People tend to forget that when you marry someone, they tend to come with family and not all of them will like you
Wouldnt it be a much better idea for DR to host the Ramsey Show on his own instead of with Ken Coleman, Anthony Oneal, Rachel Cruze etc etc? IF Chris H will not be back to host the show
I'm guessing he's looking to retire soon tbh. The name change and bringing on more and more other people make me think he's looking to pass the torch soon.
With a high school class, I'm really surprised Dave didn't talk about paying for college and student loans. That seems to be one of the biggest traps young adults fall into nowadays.
The only thing my husband wants to do is help me spend "our" money while he stays home and tries to be a day trader. I put him on an allowance since he refuses to go back to work. I'm not sure how we are going to get back on the same page-- he gets triggered everytime I mention anything about him getting a job or going out an doing handyman work.
My guess is they probably are thinking about thier parents. When I was in personal finance back in highschool my brain always went to "how does this apply to my house and my parents" not "how does this apply to my future." I wish I was thinking about my future but I was more concerned with the problems with money in my house at the time and I think most kids are troubled by that as well.
HS students should have asked about what they could do now to fund college without student loans. Ex: community college/in-state college, picking a good major that leads to a career, saving early, taking ACT/SAT
This is good advise for those who are learning the seven baby step plan while single. But I would request that Dave please not insist that his smart investor pros enforce this upon customers just because their spouse thinks the world revolves around them.
I wish Dave’s give sone thoughts about non married couples. I live in Quebec and 48% of the couples are not married by choice. Most of us have our personal accounts and a joint for the common experiences … but we still have the same challenges than any married couples. Only difference is when you are separated, the richest ex doesn’t have to pay alimony.
I took personal finance in high school. I cannot believe that it is an elective. At least it is in Indiana. The most valuable class that I have ever taken. Middle school, high school, college, anywhere. Math is required, but where in life does math come into play in the most important circumstances? Money!
Infidelity and sexual incompatibility are right up there with financial problems when it comes to leading causes of divorce.... this is just as important for young people to know.
They need to create a "Marriage 101" curriculum and show it in every high school everywhere to show teenagers how NOT TO jump into marriage before knowing that the most important things IN a marriage are; true genuine love NOT lust or codependency, and both being emotionally and financially stable. Also being truly honest, having trust and COMMUNICATE!! Talk about separate/mutual goals, agreeing on finances, bills, purchases, savings, children or no children, etc., so they BOTH have a CLEAR understanding of what they're BOTH getting into!!
How is that a weird question for people in high school? That should be something we talk about while we're in high school before we become adults and have to decide how to find a partner because we don't ever talk about it that's one of the smartest questions a high schooler could ask!
I really hate the whole "it's not we until marriage". Like not every relationship needs to evolve to the point of marriage to be "we". Like it should be "we" in ANY relationship after a certain point, marriage or not.
I disagree. I won't propose to my girl at any point, ever. I'm not interested in having a family either. No pets either. Ever. Just not my lifestyle preference. I enjoy my life and my freedom. After 7yrs, if she feels either of those things become important enough for her, find a new guy because I'm not with it. And I made that point clear from day one. No financial ties, no shared bills. If either of us want to leave, we're welcome to without constraints. We stay because we love each other.
@@DHFlip18 oh I do agree. It's personal preference. You don't want ties and I completely understand that. I'm just saying that if you wanted to have "ties" financially, kids, pets etc you should be able to without marriage. It all comes down to personal preference, the relationship and the circumstances.
I wonder how long this teacher has actually been listening to the show. It can't be more than 2-3 months. It is a very awkwardly worded question. I don't believe kids would come up with this as a question themselves because it is not the way teenagers would speak even if they are seeing an unstable financial environment at home. I think this question is about the teacher herself and how she is questioning her own spouse and doesn't view them as having a stable relationship with money during the pandemic. Also tired of hearing about the Smart Vestor Pros nonstop. 🤑
Im in my late 20s & I enjoy showing off very expensive stuff & expensive clothes. I have very poor self esteem. So I love bragging about expensive stuff for my poor self esteem. I have very poor esteem so I love buying really expensive things.
Marriage is moer like a tax brake its only governmental permission from the state. I would get married but to a richer person, bc I feel divorce will wipe my out
I went from being able to work 60+ hours a week. To a relapse (no longer in remission) with multiple disabilities and can now do maybe 30 hours a week. I feel like such a burderln and as much as I'm a great encourager of my husband's new career (electrician) and I manage the bills mostly I still feel like a financial failure. Like I'm the dead weight. . .
Never trust someone's words. Always trust their actions.
🤑 Dave Ramsey saved me 200k in interest and taught me it was possible to pay off my mortgage early. 35 and completely debt free. House included. Thanks Dave!
Congrats! 🥳🎉
Congrats and keep rocking 👏
Did you sold your wife?
@@activelifeg5237 we can sell our wives?
These are the kinds of things you should look for before you get married.
Yes...
True but isn’t this simply common sense?
@@sanitary103 they were in High school so for them, no
I agree. But then again I am also still single lol
Some people have stars in their eyes, have been lied to and way too young to be married.
NEVER get married to someone who isn't on the same page with you financially. That is something you HAVE to work out before marriage.
Facts!
Really Why?
Equally broke, we were. Built a great life together. 37 years. Nothing lasts forever but if you actively pursue your goals the journey is fantastic!
This is why there are so many failed relationships. Imagine people actually realized love isn’t enough to make a life together. So many lifestyle talks to have
@@Sue-ec6un - my Wife is also called Sue, and i cannot agree with you more. Iron sharpens iron.
These kids will be going places if they’re asking questions like this. It’s always possible to turn your life around but avoiding the red flags before it happens will definitely be beneficial in the long run!
Seems like a perfectly reasonable question for high school students. Why? because many of them are dating, and some are getting close to college age. I have multiple friends that got married before they were 21.
Getting married before 21 is the STUPIDEST thing one can do! It is EXTREMELY rare that someone has their 'life in order" at that age. Instead, build a career, gain some experience, put a little bit of money "aside" and *_THEN_* think about tying the knot. Typically that means waiting at least till 25!
747-pilot you’re saying that in a way that groups every single person into the same category and way of thinking. I got married before 20. I’m happily married and we’ve been building our life/career/goals together since getting married. Like Dave mentioned in the video, the number one reason for divorce isn’t age, it’s disagreements on money. Some people are ready to get married at or before 18 and some people will never be ready. Surprise surprise. It’s almost as if every single person is different and individual :)
@@747-pilotI was married at 20. We celebrated 17 years a few months ago.
It’s not for everyone and has its own challenges, certainly.
But I’ve seen people who waited and do it your way struggle. They’re already set in their ways and have a very hard time combining their life with their spouse.
I got to “grow up” with my husband. We are learning and building together.
If your spouse is financially unstable? This is a strange question...if your spouse's finances are unstable so are yours......
Yeah, it was phrased weirdly. Maybe she meant to ask, "What if my significant other/fiancee is financially unstable?". Which is a great question.
It pleases my heart to know that at least some high schools out there are teaching relevant information thank goodness that’s exactly what kids need to be taught especially in high school actual things that people have to do in life and experience in life like finance etc. And PS I’m not that surprised and a specific one because it’s coming from a Catholic school
At this point in my life it would be really important to have that conversation before things got too serious. I don’t think I could be with a woman who is not financially responsible.
Then... The marriage is financially unstable. 🤔
@C B Lol. Be nice...
😂😂😂😂
This is me and my wife. She has a very stable income, whereas my income is more inconsistent. We know what we both spend and plan our variable expenses based on my paycheck before payday. We work together on everything and always find a way to make things work
Stay as the lower income earner.
@@wewhoareabouttodiesaluteyo9303 Hahaha I see what you're doing here.
And does she admire and respect you, even with your lower income?
A Good Quote, Courage is being yourself everyday in a world that tells you to be someone else.
Do not get married if you’re not ready and broke!. Period!
Marriage has been a huge financial blessing to my wife and I. That being said we had a 70 dollar elopement at the courthouse.
7:37- boundaries, kids, religion and money. So true
Kudos to this wonderful Teacher teaching this AND phoning Dave!
What is wrong with people not preparing themselves for their own life? Obviously things happen but it’s not ones responsibility to pick up the pieces for someone else. And it’s not right either !
I love how the whole class got to get on the show!
Mine agrees to the plan and then becomes manipulit8ve when accountability happens, then lies and hides and refuses to talk. Months and years of thus never ending toxic cycle. Help!
Yeah too bad he really didn't answer the question that she asked. Everybody's spouse is not Christian minded.
Got married at 17. No idea my spouse would be weird with money. First mistake: needing to get married at 17! 😁
Im in my late 20s no marriage & no relationships, also no kids so far. Me I hate responsibilitys & im very self centered.
I hate long term relationships & long term happiness. I enjoy instant gratification with no long term commitment.
@@marioantoniocrespoMexican92 same I married at 17 and we have been broke for over 12 years 😢
Wish I was taught this information in high school
Same expecilly public schools some private schools teach it and homeschooled kids are required to do it
Even if the high school offen a financial course like this. Most high student just going to ignore it or think Dave ramsay is annoying.
They are busy have fun with their friends.
@@socku5850 Oh
@@socku5850 not everything falls on deaf ears
@@socku5850 - friends? On line maybe yes...
So awesome to hear this being taught in school. Gave me such a good feeling.
Never get married don't share finances have boundaries.
In other words: Never have kids?
Run.
If your partner makes bad decisions drop them
Wouldnt you be one of your spouses decisions?😅
Partner or Wife? BIG difference!
The question these High Schoolers should be asking right now, is how to smartly invest in my educational future without going into debt?
Definitely going to need parental support. Have them take the house while the child studies and works to pay for classes.
I think the question is really from the teacher.
Question is from teacher. I think so too.
Generally, too forward thinking for most High School students.
Prob about her husband😂 "hey class lets ask this question"
Thank you Dave for instructing us all about how to get on the same page with our spouse. Thank you for the below of my heart.
Did the students have this question? Or is the teacher asking for herself ?
Sounds like the teacher's question
Marriage ED is better than some of the other stuff they are teaching in high school
That's laughable
4:25 Dave finally said it 👏🏾👏🏾👏🏾👏🏾👏🏾
How to deal with crazy ppl in each other's family is MAJOR. People tend to forget that when you marry someone, they tend to come with family and not all of them will like you
You're married.. your spouse's finances are your finances.
Wouldnt it be a much better idea for DR to host the Ramsey Show on his own instead of with Ken Coleman, Anthony Oneal, Rachel Cruze etc etc?
IF Chris H will not be back to host the show
I'm guessing he's looking to retire soon tbh.
The name change and bringing on more and more other people make me think he's looking to pass the torch soon.
What a wonderful teacher
With a high school class, I'm really surprised Dave didn't talk about paying for college and student loans. That seems to be one of the biggest traps young adults fall into nowadays.
I wish I heard this message 10 years ago 😢
This was one of the questions on their homework assignment.
These kids are going to live a peaceful life.
Spammer and most hated guy on RUclips.
Thank you for sharing this I really needed to hear this!!!
People dream their whole 20’s and panic in their 30’s . Your twenties are over in a BLINK.
The only thing my husband wants to do is help me spend "our" money while he stays home and tries to be a day trader. I put him on an allowance since he refuses to go back to work. I'm not sure how we are going to get back on the same page-- he gets triggered everytime I mention anything about him getting a job or going out an doing handyman work.
Woot woot! Love a good KC call!
That was a really awkward question for a class to come up with lol. Oddly specific
My guess is they probably are thinking about thier parents. When I was in personal finance back in highschool my brain always went to "how does this apply to my house and my parents" not "how does this apply to my future." I wish I was thinking about my future but I was more concerned with the problems with money in my house at the time and I think most kids are troubled by that as well.
@@TeaHeart22 that’s a really good point. Didn’t think about that
HS students should have asked about what they could do now to fund college without student loans. Ex: community college/in-state college, picking a good major that leads to a career, saving early, taking ACT/SAT
"That's the question we came up with", Asking for a friend lol
This is good advise for those who are learning the seven baby step plan while single. But I would request that Dave please not insist that his smart investor pros enforce this upon customers just because their spouse thinks the world revolves around them.
I wish Dave’s give sone thoughts about non married couples. I live in Quebec and 48% of the couples are not married by choice. Most of us have our personal accounts and a joint for the common experiences … but we still have the same challenges than any married couples. Only difference is when you are separated, the richest ex doesn’t have to pay alimony.
"there are no crazies in my family", ummm, uh oh
Hahaha 😂, it’s you!!!
Also great advice: have babies after marriage and keep a job!
I took personal finance in high school. I cannot believe that it is an elective. At least it is in Indiana. The most valuable class that I have ever taken. Middle school, high school, college, anywhere. Math is required, but where in life does math come into play in the most important circumstances? Money!
Infidelity and sexual incompatibility are right up there with financial problems when it comes to leading causes of divorce.... this is just as important for young people to know.
They need to create a "Marriage 101" curriculum and show it in every high school everywhere to show teenagers how NOT TO jump into marriage before knowing that the most important things IN a marriage are; true genuine love NOT lust or codependency, and both being emotionally and financially stable. Also being truly honest, having trust and COMMUNICATE!! Talk about separate/mutual goals, agreeing on finances, bills, purchases, savings, children or no children, etc., so they BOTH have a CLEAR understanding of what they're BOTH getting into!!
Hi my concern is when will C Hogal be back on air? He is such an asset to The company Thanks
He is awesome and i really like when he is on with dave
He got fired
He has his own channel on YT.
@@roseboudreaux4645 not anymore
Grammy Rose Boudreaux - thanks but he does not post anymore releases on the Chris Hoga Show channel
How is that a weird question for people in high school? That should be something we talk about while we're in high school before we become adults and have to decide how to find a partner because we don't ever talk about it that's one of the smartest questions a high schooler could ask!
Nothing irritates me more than a presenter giving his kids a shout-out. We don’t care!!!!!
Shout out to KC!
Wouldn’t be great if high schoolers could take your financial class as part of their curriculum/elective?
20 years ago when we got married I was kinda the "princess" type. People can mature
Listen kids!
Can they help your company sell books before firing them? 👀😂😂😂
I really hate the whole "it's not we until marriage". Like not every relationship needs to evolve to the point of marriage to be "we". Like it should be "we" in ANY relationship after a certain point, marriage or not.
I disagree. I won't propose to my girl at any point, ever. I'm not interested in having a family either. No pets either. Ever. Just not my lifestyle preference. I enjoy my life and my freedom. After 7yrs, if she feels either of those things become important enough for her, find a new guy because I'm not with it. And I made that point clear from day one.
No financial ties, no shared bills. If either of us want to leave, we're welcome to without constraints. We stay because we love each other.
@@DHFlip18 oh I do agree. It's personal preference. You don't want ties and I completely understand that. I'm just saying that if you wanted to have "ties" financially, kids, pets etc you should be able to without marriage. It all comes down to personal preference, the relationship and the circumstances.
@@DHFlip18 gotta be awful to date someone like you. Yuck. Poor girl
I wonder how long this teacher has actually been listening to the show. It can't be more than 2-3 months. It is a very awkwardly worded question. I don't believe kids would come up with this as a question themselves because it is not the way teenagers would speak even if they are seeing an unstable financial environment at home. I think this question is about the teacher herself and how she is questioning her own spouse and doesn't view them as having a stable relationship with money during the pandemic. Also tired of hearing about the Smart Vestor Pros nonstop. 🤑
What if we aren't even married yet and keeps asking for financial support every time you get paid?
Tell them you can't afford to support them.
Im in my late 20s & I enjoy showing off very expensive stuff & expensive clothes. I have very poor self esteem. So I love bragging about expensive stuff for my poor self esteem. I have very poor esteem so I love buying really expensive things.
Marriage
In-laws
Religion
Kids
Everything should be talked about openly before marriage. It is a business contract after all.
No such thing as ONE person in a marriage being financially unstable. You're married. Period. What yours is mine and what mine is yours🤷♀️
Are the subtitles coming out funny for anyone else?
Dave is back! (3/27/2021)
@@saulgoodman2018 That I understand. He did need a break, I agree with that. It just wasn't the same without him. (3/27/2021)
@@saulgoodman2018 bless you
how old is ken?
Facts
Chris... Chris... Chris...
Move on dude.
Marriage is moer like a tax brake its only governmental permission from the state. I would get married but to a richer person, bc I feel divorce will wipe my out
Sell the spouse
Id rather have the rice and beans.
Highschool students?? That’s very interesting
Good to know early.. some people marry their high school sweethearts.
I went from being able to work 60+ hours a week. To a relapse (no longer in remission) with multiple disabilities and can now do maybe 30 hours a week. I feel like such a burderln and as much as I'm a great encourager of my husband's new career (electrician) and I manage the bills mostly I still feel like a financial failure. Like I'm the dead weight. . .
KANSAS CITY!!!
If Dave Ramsey was black, he would not be in his position.
Borderline a dave rant
It doesn't profit a man to get married at all.
Wise words
Literally no upside to getting married as a man. Only the women benefits from it. It's one-sided.
@@Luffa187 that’s unfortunate.
@@Luffa187 I agree and the best part, more men are figuring it out. Spread the word my friend.
@@spot_of_tea53 The marriage numbers speak for themselves. There's a reason the numbers are going down. Men are figuring it out, just like you said.
Just stop preaching!!
i bet you if that was a male , the answear would be diferent :D
THAT! We are writing about someone.
50th