I definitely give Jade a lot of credit for how she maintained her professionalism while talking to Brad. Brad does not talk in anything that is reality based. The problem with Brad is that he wants you to jump into leveraged debt immediately, but most people need to understand the basics of personal finance and build a firm financial foundation first. Most people can't handle a $1,000 emergency. Can you imagine this person getting into a bunch of leveraged debt. It would become a disaster. Focus on the basics first. Then and only then should you consider the "sexy" investments if that is a desire.
How Brad came across to me: arrogant, insecure, dishonest and with an agenda. How Jade came across to me: humble, confident, honest and trying to genuinely help.
100% I love Jade. She is smart,well spoken but also humble successful and you don't feel like she is trying to rip you off somehow. To me, he feels like that skeezy car salesman that will do and say anything to rip you off and line his pockets. All he wants is more money. I don't feel like he actually wants to help you.
Brad speaks the truth a lot of people don’t want to hear or can’t stand to hear. He’s talking to the top 20%. The lady speaks for the bottom 80%. The common herd.
I appreciated both perspectives and did not find Brad to be “too much”. Both offered great ideas. Jade is the starting point and once you’re ready you transition to Brads school of thinking. Great episode!
I used to be relatable to the Dave Ramsey method but then I became financially competent and married a man who’s financially competent and savvy and brads way is way more savvy although a combo of the two thoughts is the wisest in my opinion. I loved this episode! I listened a second time with my husband and we paused every like 5 minutes to discuss it hahah it was awesome
My takeaway- be savvy and brave and have everything you’ve ever dreamed of, or be common and afraid, live below your means and just be plain average. People in these comments should ask themselves honestly- which one should we preach to our children who’s a go getter in life?
I tried following philosophies like Brad teaches in my 20s and it landed me in so much debt that I couldn’t pay back even though I did everything “right”… it’s so high risk. I’m in my 30s still paying off that debt from my business that I built on this philosophy
Car loans are horrible. I'd work my ass off even if i have to walk or ride a bike to and from work to save for a car. I'm working my way out of debt now following the Ramsey plan 🙏🏽
This guy was so exhausting and combative he offered zero value to the conversation. Did not like his argumentative smug attitude either he comes off as scammy. Amazing job to Jade, way to stay focused and you didn’t let his gaslighting and moving the goal post of his topics take you off track!
Our kids know they have to purchase their own vehicles so they start doing small jobs at 14-15 and then start working more at 16-17. Our oldest 2 have been able to purchase a nice used vehicle at 17. I love that they have this sense of accomplishment at such a young age. This takes a lot of sacrifice from me because I had to either drive them to work or let them use my vehicle but it was so worth it.
I noticed how his approach in a way, was to try to dimish her and he was actively rude to her. There was no need for her to feel that she was only actively defending herself, versus her feeling that she could actually share this epic advice she has to help people make wise decisions for their wellbeing now and in the future. He never once stated her name, which I found that rude, he could have addressed her by name. I appreciated how Ellen asked Jade a direct question about the Dave Ramsy process - so Jade had a safe space, to not be bullied and poked by Brad... in that space where Jade was asked to deliver her wisdom, wow, I noticed The way Jade spoke in those moments completely changed and flowed seamlessly - She was lighter in her energy; joyful, concise, generous with her thoughtful advice, and she actually had the space to just be in her power. She has wise, relatable, caring, practical, conscientious wisdom and advice. I was upset with how Brad was sharing his opinions via the avenue of trying to discredit Jades path (which as Jade mentioned has helped hundreds of thousands of people.) Jade did not come onto Ellens show to be bulldozed by Brad's (millionaire and somewhat toxic) mindset of risk everything and invest like me... What he fails to consider is not everyone is not like him, not everyone wants to be or can even function the way he does. She (Jade) helps people learn the skills on how to be wise with their money and how to be willing to be humble and do the right thing to stay afloat even when it's hard. I found him really unappealing and a total Bully. It was really unfortunate how he approached the situation. I would have actively opened the space for Jade to have more (uninterrupted and uncontradicted) time to share her perspectives and I would have encouraged Jade's voice more and dug deeper into why this process helps people be wise. (Brad insulted Jade at many points.) Insinuating people who follow Dave Ramsy online are losers... which is a ridiculous accusation, because what he's saying is if you aren't living life at the top of the mountain or you aren't aiming to be there, you are a waste. I wish he could've taken a moment to acknowledge all the good of what she is saying and how many people she helped gets out of holes or sticky situations. Jade also advocates for everyone's desires. Brad only sees his own. I love Jades advice... she sees the whole spectrum person and she honors the diversity of the human experience ♡ and how nuanced it can be. She reaches a hand out lovingly for people to stand up and make wise decisions with their life to build stable wealth over time. She focuses on character and foundational skills building, and how that builds wealth. Brad only began to be kind to Jade when she asked him a Question of how he changed from being "out of integrity" to being in integrity. Then when he called himself an angel... laughable, because he interrupted and insulted and bullied her essentially the whole time and he tried to piggy-back her INSIGHT shared of dangers and emptiness of too many desires and the importance of generosity. He ought to have been more respectful to Jade throughout the whole interview. I wish he could've just shared how her advice works for a majority of people and his advice works for a minority of people. He was so prideful in how he approached the communication. Not cool to me. I really respected Jade a lot! 💯
You see it that way because you are average. He triggers you and makes you feel small. It's okay to be average but that doesn't mean he is wrong. You do you!
@@anniealexander9616 We’re just advocating for a more compassionate view because Lea’s approach doesn’t work for everyone. Honestly, I think he needs some plant medicine to develop some empathy and humility. Haha.
@samuelsarmiento Empathy? He is supposed to feel bad for people who sit at the bar, gossip, and piss away money on things like football tickets? Most people might be "average" but the point is to get his message out to everyone. So they will have a choice.
He continually says how stupid and scarce and not wealthy others are and then emits such an unquenchable thirst for money, poor guy. So clearly striving for a happiness he will never find. I hope he feels peace one day so he can understand. ❤
I really enjoyed this conversation! Another great episode Ellen!! My takeaways - for anyone interested in discussion: Jade was so professional and gracious. I do tend to lean toward Brad's point that people can't save money or pay off debt if they don't have it. We were well below the poverty line for years and didn't have anything to put toward our debt. When you're making the decision between paying the energy bill or paying for food, telling someone to put away money to save up for a car and pay cash feels extremely overwhelming. Dave's advice would be to get a second job to make more money, however, If it took me 7 years to work a second job and pay off all my debts like Jade did, I would have completely missed out in my kid's growing up. I agree with Brad that this is a scarcity mindset, and it wasn't an option for me. I'm more drawn toward Brad's point of view - a mindset shift is what is needed to lift people out of poverty, and finding ways to make money where you don't have to trade time for money. However I agree with Jade's point that not everyone wants to do this. And I also think that Brad came across arrogant, but there are others who promote his position who do not! All in all great discussion!
That was jades point though. Her and her husband made 19k a year when they had 450k in debt. She started with nothing when she started the baby steps and when she says save up for a car that's after your out of debt. While your in debt you normally have a car. If you don't have a car you save up for that beater for 4k-5k to use until you save up for a nicer one. I did exactly what she talks about. I started in poverty in a high cost area of ca but I was still able to pay off my debt, save that 6 month emergency car and also save up for my beater but then move up in car. It was all done in 2 years. I also bought my 2nd home in cash doing the baby steps 6 years later. The thing is it wouldn't have taken you 7 years to get out of debt.
I absolutely respect Brad and his mindset but I think he’s talking mostly to entrepreneurs.. the truth is 90% of Americans just wanna figure out ways to get out of debt & keep a roof over their head.. realistically Jade’s method works for every single American.. Brad way mostly work for people that are mostly already set up in life & are willing to take heavy risk to gain extreme wealth.. the fact that 60% of Americans can’t even afford a $1000 emergency says it all..Jades way is probably the best way to get out of that cycle and start building wealth. The goal is to think and act like Brad at some point but for the average American who can’t afford groceries that’s not possible until they walk through baby steps to get out of debt first.
Brads guidance makes a lot of sense for people without kids. But the minute you start "gambling" (his words, not mine) and playing with things like reverse mortgages on houses in good school districts, it can become super dangerous for your marriage, relationship with kids etc.
The reason majority of Americans are broke is because they subscribe to the lady’s scarcity mindset. Hence why they’re broke. Brad’s circle has abundance mentality and a go getter attitude. Therefore, they’re all making money.
Hes just delusional. He said " lets stop teaching people to be average" than goes to tell everyone to be in sales. First average is gonna change everyone cant nor wants to be super rich or above average.
Mindset, skill set and habits is great advice but it’s not a practical plan. The 7 baby steps is a practical, tried and proven plan! Great discussion, hats off to Jade!
Brad said something very telling, “go sell expensive stuff and make a commission”. Capitalize on consumerism. There are multiple ways to get rich without having to leverage your soul to do it .
And yet, people want big houses, nice kitchen, big closets, designer high heels, designer handbags, big tvs, nice cars, eat at nice restaurants, go to nice vacations…and parents like buying kids they love nice toys and expensive college education scams…so which one is it? We shouldn’t sell our “soul” by selling expensive stuff…but I’m sure people like you don’t mind buying them IF you can afford them. People shouldn’t justify their “brokeness.” If your kids decided to work at those “expensive” stores…should you tell them to do a bad job of selling?
@@spatty2589 houses and cars are probably most people’s most expensive purchases. Most people also lives in a house and travels by way of a car. Billions and billions of people around the world. Every car and house were most likely sold by a salesman or agent and was paid a commission for doing so. Did they all capitalize on consumerism? Are all those people bad and leveraged their “souls?”
How is selling things people want morally bankrupt? He didn't say go sell pharma, porn, alcohol etc.... Do you not understand Dave Ramsey has built an empire off of selling "Financial Peace". God did not say go forth and be poor, one can not give without havings...
Not sure why everyone in the comments thinks brad is arrogant and rude. He is honest and you don't get anywhere by not being honest. I like him. And I definitely agree with his point of view
@@aoife5821it's not the truth of what he was saying that was bad or people aren't liking it's the way he's saying it the tactlessness of it. I agree about the mindset change and not being so afraid of Investments and things like that but he wasn't coming at it or explaining it from the reality of majority of Americans. The mindset of a person is not going to change automatically and he provided no practical steps of achieving what he was saying. It's similar to saying I want to gain muscle and I was just told go in the gym and grind grind grind and get it done and change my mindset and it'll work. 4 many people that still sounds unachievable and overwhelming get a trainer and here is a set schedule of what to do and how to achieve the muscles you want then that slowly changed the mindset and gives you the motivation to continue. I think going to Dave Ramsey route in the beginning will help with those basic shifts in changes you need and then you can have the mindset Brad is talking about and go off on your own and Achieve even higher if that's what your goal is.
@aoife5821 No, I think there's an element of getting your point across without trying to diminish other people. It seems like Brad walked into the interview to debate and Jade showed up to discuss.
The inherent difference I’m seeing is in their core values: self-gratification and selfish ambition vs traditionally Christian values that go beyond materialism.
I agree with Brad. I bought my first property at age 19. I built sweat equity. Cleaning, painting, mowing, minor plumbing, replaced flooring etc. I house hacked and often worked 7 days a week. TODAY, MY DAUGHTER AND HER FAMILY LIVES FOR FREE IN THAT HOME. During this time, my coworkers were AVERAGE. They were going to the bar, getting manicures, going to the steakhouse etc. I was completely debt free including no mortgage in 2007. I financed my 3000sqft dream home that I got for 43% of it's value. It was so cheap, I refinanced and bought a mini farm in 2008. Brick ranch with hardwood floors and detached garage on 8 acres. I paid off that mortgage in 10 years. I see comments about how Brad is arrogant and argumentative. He isn't AVERAGE! I have friends that I tried to coax into doing the same things I did. They want what I have without doing the work.
I see this. Everyone I'm still friends with on social media have "nice" (average) houses, take vacations, spend money to look high on social media while I'm stacking assets and paying off debt in the background.
@christinb5766 Its hard to buy real estate without a loan. Ive never paid a penny in credit card interest but I have a large credit line. I put things like heat and air units and roofs on them at 0%.
@@anniealexander9616 again, I think you are more aligned with Jade than you realize…their plan allows for mortgages. I think you like Brad’s aggressive attitude and are being taken by that rather than thinking critically about what each person is saying.
I didn't pay 22k for my car, but i did pay 10,000k. Majority of the other cars we've had we also didn't do loans. I agree no payment is better. It's simple. Instead of making payments every month we can put it towards healthier foods or whatever else we need.
Kudos to Jade… so self-confident and respectful. I don’t think I would’ve finished the podcast. Brad tried so hard to bring her down but was so not successful! He appeared so fake fake and angry throughout the interaction.
Jade is smart & professional. She relates to everyone. Brad is living in a false reality. Just saying. There is nothing better than being free. Period.
Rewatch, they agree on a ton but the difference is he builds businesses, he is only speaking from that perspective. Jade is only speaking from the perspective of safety, which does not align with trying to grow a business.
@@Dunnwealthadvisor she is not talking about building a business, she is talking about regular people trying to fix their finances. They give advice for different kinds of people but he is trying to discredit her advice because he is so arrogant that he Think his way is the Only Way
Jade: Here is a well thought out, time tested, and structured plan that can help anyone. Brad: Change your mindset. Take out debt! I'm like, how do they even get to be interviewed as experts on the same topic. Brad does not have a financial plan at all.
Who is a better financial teacher- someone who’s achieved more and has a much higher net worth and income, or someone who’s achieved less, makes less income, has low net worth, and have a scarcity mindset?
Who’s the better teacher? It depends. Maybe the answer is, who’s truly helped the most people in practical, every day, applicable for real life ways. I wouldn’t write Jade off as you have Erik. She has achieved a great deal. She’s traveled extensively, successfully living her passion with her music, paid off nearly half a million of debt, landed an enviable job as a radio host and financial teacher on the huge Ramsey network, has a net worth in the millions and financial peace, and has a wonderful home and marriage. She’s doing her thing, and well. And don’t equate ‘choosing not to take on debt’ as a scarcity mindset. It’s a freedom mindset. Her life doesn’t need to look like anyone else’s. Just because he has more money, doesn’t necessarily make him a better teacher. Definitely not for the millions of people who are helped more by the Ramsey approach - who, by the way, is more on par with Brad as far as wealth. He’s probably on his way to billionaire status. Ramsey is the teacher with more impact.
This guy is all about everyone that wants to be wealthy needs to start a business but what happens to schools? Police? And other public services? And what happens to businesses if most people start their own? We need employers and employees. And both should be able to reach wealth. This is what I love about Dave Ramsey’s method. I’m an immigrant working in hotels for minimum wage but I have 3 jobs 75h a week, bought a house and on the path to pay it off so I can be debt free and start investing in S&P 500. But I will still have a full time job being an employee. People who don’t own businesses can be wealthy.
@@dec1slhbut everyone should try. Everyone doesn’t want to read a book, but everyone should try. Everyone doesn’t want to exercise. But everyone should try. Everyone doesn’t like being a nice person, but everyone should try. Of course not everyone want to be wealthy. But EVERYONE should try. If people’s children asks their parents if they should try to do the minimum average and struggle in life or strive achieve their absolute best potential and to be wealthy, what do you think parents should tell say?
That's not what he said. He is speaking from the perspective of those he coaches and aspire to do more. There are people born to work within public service and there are those born to build. Both Jade and Brad are correct for their audience. However, sometimes people change as they grow and can adopt a different school of thought.
Dave Ramsey's teachings are common sense. I believe credit and credit cards have a way of making people lazy. Instead of being creative with generating income. All Dave Ramsey is saying that people should be more creative so they can have disposable income for investments and live a good life
Haha! I am a teacher and I don't make much and I am paying of loans. But, the investment I put into my students is priceless! So, what Brad said kinda cracked me up. However, I am somewhat down the middle. I following the Ramsey model to pay off my debt. However, if I have the money, I am going to invest in things and buy the things I enjoy. I believe in giving to others because that is what God wants. I also enjoy investing in myself and I also treat myself to Starbucks and Chick- fil-a every once in a blue moon. But, I am more with Jade. I want to live in peace and responsible. Think about the book of Proverbs. Again and again, it talks about being fruggle and being wise and not foolish.
Brad tried to prove she has something she wants that she cant afford, like her method is not good if there is more she cant afford.... but he also admits he also wants more.... so does that mean his method isn't good enough as well??
Jade provides a basic set program for a range of people in different circumstances to achieve personal financial goals, whereas Brad provides a more whimsical-like view and generic characteristics a person should be to achieve personal financial goals. I believe Brad's way is good as well but it's not the first step of the ladder to Financial Freedom. Jade provides the initial steps towards personal financial goals, and along the way, individuals will achieve the different mindset Brad speaks of to then move forward along that ladder to achieve even more or higher/better financial goals. The majority of people in the US need the structure that Jade provides to start them off; to help develop discipline, a money position mindset, and motivation.
Brads way is just talking about going in sales and starting a business. Not sure why he can’t understand that you can do that and also believe in not using debt to do it. Very confusing why he doesn’t get it
Brad 's advice works when everything is going well which is bad advice. Jade's advice works when everything is going bad which is good advice. Brad is a dreamer that just so happen to make it. Jade's advice is suitable for most people. You can be wealthy and not have debt. Brad doesn't really have any advice other than "just make more."..and if it was that easy, no one would be in poverty. Essentially, Jade's advice will help everyone. Brad's advice will help no one because all he talks about it "mindset." Mindset doesn't pay bills. Mindset won't pay the credit card bill. Mindset doesn't help when you've just been let go and the mortgage is due. If that happened, all Brad would say is "just make more money". Jade would say "ok, lets budget and see where we can find some extra money." If you want to be wealthy, follow Jade's advice at first and then expand your financial thinking. Last point: I hate Brad's "advice" because it's just like every other finance "guru". There's never any detail to get you from A to Z. For example, Brad is always saying "If I take out $1M at 20% but I can make 40% on it, I do it." Great! Which investment vehicle are you getting 40% interest??...Please let us know!!! But they won't ever tell you..which is how I know it's bullshit.
100% with Jade. Brad's advice is completely unrelatable to the average person. Someone who feels trapped in debt needs to be shown that there is a way out, and that they can thrive and do well. A series of steps to get there is just what's needed. There is a reason Dave Ramsey is far richer than this guy.
Brad isn’t willing to admit that no one is saying you can’t go and start a business if you follow the baby steps. We just believe you can do it without taking on debt. Even if it’s slower. But people crash tf out all the time trying accelerate success. I can’t understand why he can’t grasp that concept of starting a business but also not wanting a bunch of consumer debt. Come on Brad. Hopefully Andy is less brain capped
Because he couldn’t believe people are that closed minded. And he was willing to bet $1,000,000 cash because he couldn’t believe it’s possible. He’s putting his money where his mouth is.
Brad needs to listen to Dave’s callers and get a reality check. People don’t just change their vibrations and poof- do something that makes them rich. The callers who tried to think like Brad end up calling Dave.
I love Jades’s point of view because 80% of us Americans are average working class people, but I understand what Brad as saying as well. There’s more than one way to skin a cat. Also Jade you’re rocking those braids girl!
Great video! But I need to say perspective doesn't pay bills, money does. Perspective change, plans change. The misunderstanding about Daves plan is it keeps you "average". At least thats what I think this guy believes. But Daves system actually gets people out of average and puts them on a secure path to only building up from there. It doesn't matter how high your risk tolerance is. Inflation is not an issue, FED rates don't matter on Daves system. With Dave's Baby Steps you can only go up!! That is far from where the average American is and far from a scarcity mentality. But if you don't listen to Dave you won't know that. It's actually a mentality that is based on Impowerment and Enablement.
14:51 I disagree having a car just to get a job, B.S. 😅 I work remotely making over $6k + a month and only use my car on the weekend. Sir! You need to teach people to shift their minds how to make $$$ in a totally different world. I love the perspective of this lady ❤🎉
This guy is … so insulting. yes obviously he’s rich but just because I don’t know exactly where to put my money and guarantee a 20% increase does not make me stupid. There are so many scammers and so many people that pretend it’s not safe. Jade is a queen.
Yes it does. Every information is out there and there’s a ton of resources to find out. You just have to try a little harder. Not knowing anything in 2024 when you have these magical smart phones and internet makes anyone say “I don’t know” stupid AND lazy.
Great interview! Love learning the difference in mindset thru the debate…they both have good points. I think for me personally, I’ve already mastered her way of saving and living “risk free”, but I’m realizing it’s limiting and not letting me live the big life I really want. I will research his approach more and see how I can change my thinking to earn lots of money!
Lol some of the things he said I'm just like sir... no.. lol no way you're out here talking people into going into debt like this and teaching bad habits 😂.
Great discussion. I think both of them are right. Saving is great and there’s most definitely something to be said for orienting a portion of your finances around giving you a sense of peace, but there’s also something to be said for focusing on generating more income and getting rid of the victim mentality. I like his approach to mindset, debt, and educating oneself in order to make informed financial decisions rather than decisions out of fear. But I also like her approach to finding a balance between financial success and drive, and the other parts of life that mean just as much or even more than financial success.
I was a fan of Brad Lea, but what he fails to understand is that a debt free person can still run a business , invest and make money. I discovered Dave a long time ago and one thing I realized about Dave is that he is a versatile entrepreneur! He makes so much money from so many different businesses he don’t need to borrow ! If you can learn how make money you don’t need to borrow! I moved to Puerto Rico to save on dumb decisions I made and now I’m back on US turf we run over 5 profitable businesses and don’t care to use OPM (other people money) & I ran a big credit repair firm !
This convo is seriously stressing me out. It's like watching two parents' debate over the daily expenses. Although my last statement may say a lot me -- there's many ways to financial freedom. Exhibit A and B. The two speakers here are obviously successful in their own rights. First time on this channel. It's a tense debate with no moderator as a buffer, giving viewers more anxiety over their finances.
Jade’s perspective as a woman is huge. In a world where many treat guys differently if they’re broke, saving, or on a mission that’s not monetarily harmful, that’s great to show the other side.
I think this can be simplified as an Income (Brad) vs Expense (Jade) argument. Both options are beneficial depending upon an individuals skill set, mindset etc. This was a great conversation, thanks.
Thank you for hosting this episode, Ellen! Both Brad and Jade have important contributions that showcase the diversity of paths to become financially successful. Both of their approaches can be used and have their time and place, and for me, personally, I will be using elements of both.
@@restfulstillness2274 Good. I haven't gotten anything from substance out of him, other than "it's okay, risk it all to potentially lose it all". I don't trust anyone who thinks living in debt, under someone else's yoke, is a sustainable lifestyle or a good idea period.
W. Many people think that a car is the ONLY reliable form of transportation. In today's time, there are many. Ebikes, mopeds, public transportation, normal bikes, and a few others. All of which are cheaper than a car (and some are healthier for you). The problem with people today is that they want to "Fit in" with everyone instead of focusing on their own journey. Sacrifice luxuries for growth. Once you can afford these luxuries, enjoy them.
I see their points on both sides, so this was an interesting podcast to listen to. I'm at the credit card debate towards the end. I personally use a credit card for all my purchases. I use my credit card like a debit card, and then just pay the credit card off on time so that way I don't pay interest, and I never spend money I don't have. So I use the card responsibly, and the reason I use the credit card instead of my actual debit card is because I get 1.5% cash back on every purchase I make with it. So why not get some of the money back? I definitely think having a credit card is not a bad thing, just be smart with it and don't abuse it.
Agree, and that's how I've always used my credit card as well. There are 100% people who are not credit card people though. If you've ever listened to the Financial Audit podcast, some people just can't handle them responsibly! But for those who can, they do offer great benefits!
Brad thinks you will take out a loan for 20 percent and then gain 40 percent on it. That type of speculation is what led people to borrowing money to put in the stock market shortly before the crash of 1929. How well did that turn out Brad?
I also 100% agree with credit cards > debit cards. Protection and points. I will never use a debit card by choice. She’s bugging on this one. I have about 8 cards. I use 4 regularly. Pay them off every week. Never had a late payment. Also haven’t paid for a flight in years.
Brad the 10% gain you’re getting from borrowing only works if the 10% rate of return is guaranteed, no one can promise you that rate of guaranteed return. At the end of the day, it’s all about behavior, whether you make 30k or 300k
Dave Ramsey and his principles change our financial future. Jade, you did such an amazing job of sharing and explaining this.
I definitely give Jade a lot of credit for how she maintained her professionalism while talking to Brad. Brad does not talk in anything that is reality based. The problem with Brad is that he wants you to jump into leveraged debt immediately, but most people need to understand the basics of personal finance and build a firm financial foundation first. Most people can't handle a $1,000 emergency. Can you imagine this person getting into a bunch of leveraged debt. It would become a disaster. Focus on the basics first. Then and only then should you consider the "sexy" investments if that is a desire.
Her composure is so professional the entire time while he was trying to constantly argue with her. I couldn’t be in the same room with him.
Same.
He's giving me scammer vibes like big time.
"What's a thousand dollars going to do?" Better than zero dollars and negative value.
@@BlueNorth313scammer mind set🐣
Brokey mindset channel. So many sheep gathered here. She is rude and brad was calm even though she keeps cutting him off.
Jade is the GOAT 🐐 of the Ramsey Personalities. ❤
She didn't have to be "negative nancy" to make her point
She’s in a cult
The goat is demonic. You Christians are clueless 😂
@esotericminds1 ??
Some won’t understand what Jade is saying because it’s biblical. And because it’s biblical it will always work!!!!
Yes!
Amen! 🙏
Nothing ALWAYS work.
You must not have read everything in the bible to say this lol
❤❤❤
How Brad came across to me: arrogant, insecure, dishonest and with an agenda.
How Jade came across to me: humble, confident, honest and trying to genuinely help.
100%
I love Jade. She is smart,well spoken but also humble successful and you don't feel like she is trying to rip you off somehow. To me, he feels like that skeezy car salesman that will do and say anything to rip you off and line his pockets. All he wants is more money. I don't feel like he actually wants to help you.
@@dreams2383 You nailed it.
He's another Grant Cardone
Brad speaks the truth a lot of people don’t want to hear or can’t stand to hear. He’s talking to the top 20%. The lady speaks for the bottom 80%. The common herd.
@dreams2383 How did he come across as arrogant, insecure, dishonest and with an agenda?
I appreciated both perspectives and did not find Brad to be “too much”. Both offered great ideas. Jade is the starting point and once you’re ready you transition to Brads school of thinking. Great episode!
Can't get with his name calling without really giving advice. Brad sounds gamey / scamish
@@rnarzuRight, real "angel" attitude he has.
I used to be relatable to the Dave Ramsey method but then I became financially competent and married a man who’s financially competent and savvy and brads way is way more savvy although a combo of the two thoughts is the wisest in my opinion. I loved this episode! I listened a second time with my husband and we paused every like 5 minutes to discuss it hahah it was awesome
that makes me sooo happy to hear! i personally relistened to the episode too,. so many golden nuggets in this one!
My takeaway- be savvy and brave and have everything you’ve ever dreamed of, or be common and afraid, live below your means and just be plain average. People in these comments should ask themselves honestly- which one should we preach to our children who’s a go getter in life?
100% agree that using both is best. That's exactly what I'm doing and i feel so free!
Yes Brad is next level...but nonetheless like she said after having great habit, you can have a mindset like brad..both right really..
If you’re broke follow Ramsey until you have enough money to invest then follow Brad.
Praise to Jade for not being taken down by his toxicity!
I tried following philosophies like Brad teaches in my 20s and it landed me in so much debt that I couldn’t pay back even though I did everything “right”… it’s so high risk. I’m in my 30s still paying off that debt from my business that I built on this philosophy
Accountability goes a long way.
No risk it no biscuit. Howcome Kiyosaki and many others we don’t know about became wealthy from the same principle? Because they did it right.
Man that’s too bad. Hope you pay it off soon!
Then you didn't do it right. You have to learn how to do it right.
That’s your fault for not using all of your brain
Debt is like a sword. Not everyone can wield it. Some are masterful, others could hurt themselves significantly.
most people are not going to be brad, but anyone can be a jade
Car loans are horrible. I'd work my ass off even if i have to walk or ride a bike to and from work to save for a car. I'm working my way out of debt now following the Ramsey plan 🙏🏽
Exactly! I caught the bus and train to get to where I needed to go when I was saving up for my first vehicle. Now all I pay is insurance
This guy was so exhausting and combative he offered zero value to the conversation. Did not like his argumentative smug attitude either he comes off as scammy. Amazing job to Jade, way to stay focused and you didn’t let his gaslighting and moving the goal post of his topics take you off track!
MA GIRL JADE 🙌 👏 LOVE You!! Ramsey show!! Woot woot. Haven’t missed a show, my fav!
Both had great points! Take from both depending on your situation.
Now this is what a good debate looks like! Kudos to both speakers
Our kids know they have to purchase their own vehicles so they start doing small jobs at 14-15 and then start working more at 16-17. Our oldest 2 have been able to purchase a nice used vehicle at 17. I love that they have this sense of accomplishment at such a young age. This takes a lot of sacrifice from me because I had to either drive them to work or let them use my vehicle but it was so worth it.
Her composure and professionalism is EVERYTHING!!!!
I noticed how his approach in a way, was to try to dimish her and he was actively rude to her. There was no need for her to feel that she was only actively defending herself, versus her feeling that she could actually share this epic advice she has to help people make wise decisions for their wellbeing now and in the future. He never once stated her name, which I found that rude, he could have addressed her by name. I appreciated how Ellen asked Jade a direct question about the Dave Ramsy process - so Jade had a safe space, to not be bullied and poked by Brad... in that space where Jade was asked to deliver her wisdom, wow, I noticed The way Jade spoke in those moments completely changed and flowed seamlessly - She was lighter in her energy; joyful, concise, generous with her thoughtful advice, and she actually had the space to just be in her power. She has wise, relatable, caring, practical, conscientious wisdom and advice. I was upset with how Brad was sharing his opinions via the avenue of trying to discredit Jades path (which as Jade mentioned has helped hundreds of thousands of people.) Jade did not come onto Ellens show to be bulldozed by Brad's (millionaire and somewhat toxic) mindset of risk everything and invest like me... What he fails to consider is not everyone is not like him, not everyone wants to be or can even function the way he does. She (Jade) helps people learn the skills on how to be wise with their money and how to be willing to be humble and do the right thing to stay afloat even when it's hard. I found him really unappealing and a total Bully. It was really unfortunate how he approached the situation. I would have actively opened the space for Jade to have more (uninterrupted and uncontradicted) time to share her perspectives and I would have encouraged Jade's voice more and dug deeper into why this process helps people be wise. (Brad insulted Jade at many points.) Insinuating people who follow Dave Ramsy online are losers... which is a ridiculous accusation, because what he's saying is if you aren't living life at the top of the mountain or you aren't aiming to be there, you are a waste. I wish he could've taken a moment to acknowledge all the good of what she is saying and how many people she helped gets out of holes or sticky situations. Jade also advocates for everyone's desires. Brad only sees his own. I love Jades advice... she sees the whole spectrum person and she honors the diversity of the human experience ♡ and how nuanced it can be. She reaches a hand out lovingly for people to stand up and make wise decisions with their life to build stable wealth over time. She focuses on character and foundational skills building, and how that builds wealth. Brad only began to be kind to Jade when she asked him a Question of how he changed from being "out of integrity" to being in integrity. Then when he called himself an angel... laughable, because he interrupted and insulted and bullied her essentially the whole time and he tried to piggy-back her INSIGHT shared of dangers and emptiness of too many desires and the importance of generosity. He ought to have been more respectful to Jade throughout the whole interview. I wish he could've just shared how her advice works for a majority of people and his advice works for a minority of people. He was so prideful in how he approached the communication. Not cool to me. I really respected Jade a lot! 💯
You poured your heart out! Haha. Good points.
@samuelsarmiento Thanks, Samuel :) haha ♡
You see it that way because you are average. He triggers you and makes you feel small. It's okay to be average but that doesn't mean he is wrong. You do you!
@@anniealexander9616 We’re just advocating for a more compassionate view because Lea’s approach doesn’t work for everyone. Honestly, I think he needs some plant medicine to develop some empathy and humility. Haha.
@samuelsarmiento Empathy? He is supposed to feel bad for people who sit at the bar, gossip, and piss away money on things like football tickets? Most people might be "average" but the point is to get his message out to everyone. So they will have a choice.
I’m only half way through the podcast but dang this is good! Whoever idea it was to have Jade and Brad👍🏿👍🏿!!
meee! :) im so glad u loved it!
He continually says how stupid and scarce and not wealthy others are and then emits such an unquenchable thirst for money, poor guy. So clearly striving for a happiness he will never find. I hope he feels peace one day so he can understand. ❤
I really enjoyed this conversation! Another great episode Ellen!!
My takeaways - for anyone interested in discussion:
Jade was so professional and gracious. I do tend to lean toward Brad's point that people can't save money or pay off debt if they don't have it. We were well below the poverty line for years and didn't have anything to put toward our debt. When you're making the decision between paying the energy bill or paying for food, telling someone to put away money to save up for a car and pay cash feels extremely overwhelming. Dave's advice would be to get a second job to make more money, however, If it took me 7 years to work a second job and pay off all my debts like Jade did, I would have completely missed out in my kid's growing up. I agree with Brad that this is a scarcity mindset, and it wasn't an option for me.
I'm more drawn toward Brad's point of view - a mindset shift is what is needed to lift people out of poverty, and finding ways to make money where you don't have to trade time for money. However I agree with Jade's point that not everyone wants to do this. And I also think that Brad came across arrogant, but there are others who promote his position who do not!
All in all great discussion!
That was jades point though. Her and her husband made 19k a year when they had 450k in debt. She started with nothing when she started the baby steps and when she says save up for a car that's after your out of debt. While your in debt you normally have a car. If you don't have a car you save up for that beater for 4k-5k to use until you save up for a nicer one. I did exactly what she talks about. I started in poverty in a high cost area of ca but I was still able to pay off my debt, save that 6 month emergency car and also save up for my beater but then move up in car. It was all done in 2 years. I also bought my 2nd home in cash doing the baby steps 6 years later. The thing is it wouldn't have taken you 7 years to get out of debt.
I think there is a happy medium between both of them. I can see doing a little of what both guest are suggesting.
Exactly, balance not extreme from one end to the other.
I absolutely respect Brad and his mindset but I think he’s talking mostly to entrepreneurs.. the truth is 90% of Americans just wanna figure out ways to get out of debt & keep a roof over their head.. realistically Jade’s method works for every single American.. Brad way mostly work for people that are mostly already set up in life & are willing to take heavy risk to gain extreme wealth.. the fact that 60% of Americans can’t even afford a $1000 emergency says it all..Jades way is probably the best way to get out of that cycle and start building wealth. The goal is to think and act like Brad at some point but for the average American who can’t afford groceries that’s not possible until they walk through baby steps to get out of debt first.
Brads guidance makes a lot of sense for people without kids. But the minute you start "gambling" (his words, not mine) and playing with things like reverse mortgages on houses in good school districts, it can become super dangerous for your marriage, relationship with kids etc.
The reason majority of Americans are broke is because they subscribe to the lady’s scarcity mindset. Hence why they’re broke.
Brad’s circle has abundance mentality and a go getter attitude. Therefore, they’re all making money.
Hes just delusional. He said " lets stop teaching people to be average" than goes to tell everyone to be in sales.
First average is gonna change everyone cant nor wants to be super rich or above average.
Exactly, this was and is exactly my journey.
Mindset, skill set and habits is great advice but it’s not a practical plan. The 7 baby steps is a practical, tried and proven plan! Great discussion, hats off to Jade!
@@corystuart343 exactly my thoughts! He is yelling to try to convince people he is saying something important.
This was so good!! I love hearing 2 experts from different viewpoints come together. Not just a reaction but engagement. More of this please!!
Solid conversation.Shows that two things can be true at the same time.
Those intro clips had me stressed out 😆
Same, this doesn't seem like a peaceful listen
Truth hurts.
Brad said something very telling, “go sell expensive stuff and make a commission”. Capitalize on consumerism.
There are multiple ways to get rich without having to leverage your soul to do it .
This! Ethically and morally, he's bankrupt.
And yet, people want big houses, nice kitchen, big closets, designer high heels, designer handbags, big tvs, nice cars, eat at nice restaurants, go to nice vacations…and parents like buying kids they love nice toys and expensive college education scams…so which one is it? We shouldn’t sell our “soul” by selling expensive stuff…but I’m sure people like you don’t mind buying them IF you can afford them. People shouldn’t justify their “brokeness.” If your kids decided to work at those “expensive” stores…should you tell them to do a bad job of selling?
@@spatty2589 houses and cars are probably most people’s most expensive purchases. Most people also lives in a house and travels by way of a car. Billions and billions of people around the world. Every car and house were most likely sold by a salesman or agent and was paid a commission for doing so. Did they all capitalize on consumerism? Are all those people bad and leveraged their “souls?”
How is selling things people want morally bankrupt? He didn't say go sell pharma, porn, alcohol etc....
Do you not understand Dave Ramsey has built an empire off of selling "Financial Peace". God did not say go forth and be poor, one can not give without havings...
Haha, God bless Jade for being able to sit calmly in a room with this con artist for 2 hours.
I enjoyed the whole debate, all the way from Nigeria.
You just earned a subscriber.
Vote - Jade
Agreed.
Not sure why everyone in the comments thinks brad is arrogant and rude. He is honest and you don't get anywhere by not being honest. I like him. And I definitely agree with his point of view
Same!!!
I feel like people dont like hearing such directness and truth and being a go getter and like that the woman plays it nice and safe
@@aoife5821it's not the truth of what he was saying that was bad or people aren't liking it's the way he's saying it the tactlessness of it. I agree about the mindset change and not being so afraid of Investments and things like that but he wasn't coming at it or explaining it from the reality of majority of Americans. The mindset of a person is not going to change automatically and he provided no practical steps of achieving what he was saying. It's similar to saying I want to gain muscle and I was just told go in the gym and grind grind grind and get it done and change my mindset and it'll work. 4 many people that still sounds unachievable and overwhelming get a trainer and here is a set schedule of what to do and how to achieve the muscles you want then that slowly changed the mindset and gives you the motivation to continue. I think going to Dave Ramsey route in the beginning will help with those basic shifts in changes you need and then you can have the mindset Brad is talking about and go off on your own and Achieve even higher if that's what your goal is.
@aoife5821 No, I think there's an element of getting your point across without trying to diminish other people. It seems like Brad walked into the interview to debate and Jade showed up to discuss.
I think it could be because he has called people name such as stupid numerous times and jade didn’t ever make it personal and attack the other people
The inherent difference I’m seeing is in their core values: self-gratification and selfish ambition vs traditionally Christian values that go beyond materialism.
Ur wise
Love Jade, she is so smart.
She's afraid.
I agree with Brad. I bought my first property at age 19. I built sweat equity. Cleaning, painting, mowing, minor plumbing, replaced flooring etc. I house hacked and often worked 7 days a week. TODAY, MY DAUGHTER AND HER FAMILY LIVES FOR FREE IN THAT HOME. During this time, my coworkers were AVERAGE. They were going to the bar, getting manicures, going to the steakhouse etc.
I was completely debt free including no mortgage in 2007. I financed my 3000sqft dream home that I got for 43% of it's value. It was so cheap, I refinanced and bought a mini farm in 2008. Brick ranch with hardwood floors and detached garage on 8 acres. I paid off that mortgage in 10 years.
I see comments about how Brad is arrogant and argumentative. He isn't AVERAGE! I have friends that I tried to coax into doing the same things I did. They want what I have without doing the work.
I see this. Everyone I'm still friends with on social media have "nice" (average) houses, take vacations, spend money to look high on social media while I'm stacking assets and paying off debt in the background.
I mean, it kinda sounds like you agree with Jade. They advocate debt freedom and Dave always talks about buying real estate to build wealth…
@christinb5766 Its hard to buy real estate without a loan. Ive never paid a penny in credit card interest but I have a large credit line. I put things like heat and air units and roofs on them at 0%.
@@anniealexander9616 again, I think you are more aligned with Jade than you realize…their plan allows for mortgages. I think you like Brad’s aggressive attitude and are being taken by that rather than thinking critically about what each person is saying.
I didn't pay 22k for my car, but i did pay 10,000k. Majority of the other cars we've had we also didn't do loans. I agree no payment is better. It's simple. Instead of making payments every month we can put it towards healthier foods or whatever else we need.
Loved this discussion. Jade crushed it! Brad, you crushed it too.
Kudos to Jade… so self-confident and respectful. I don’t think I would’ve finished the podcast. Brad tried so hard to bring her down but was so not successful! He appeared so fake fake and angry throughout the interaction.
Jade is smart & professional. She relates to everyone. Brad is living in a false reality. Just saying. There is nothing better than being free. Period.
Brad was so crazy! He has no clue what he is talking about. Jade was amazing! She was professional and got her point across.
Perception is everything lol He made me a better thinker, and stop living in lack...you can never prosper with a scarce mind...
It seems like the guy just disagrees with her all the time just to disagree, so that he can look smart.
I disagree
She keeps cutting him off. Dave has a cult going on here, completely silly to not have any credit as an adult
Rewatch, they agree on a ton but the difference is he builds businesses, he is only speaking from that perspective. Jade is only speaking from the perspective of safety, which does not align with trying to grow a business.
@@Dunnwealthadvisor she is not talking about building a business, she is talking about regular people trying to fix their finances. They give advice for different kinds of people but he is trying to discredit her advice because he is so arrogant that he Think his way is the Only Way
Great video!!!!!!!
59:24 what Jade just said about how people don't know how to handle debt was spot on! Going 0 to 100 doesn't work for most people.
Jade: Here is a well thought out, time tested, and structured plan that can help anyone.
Brad: Change your mindset. Take out debt!
I'm like, how do they even get to be interviewed as experts on the same topic. Brad does not have a financial plan at all.
Who is a better financial teacher- someone who’s achieved more and has a much higher net worth and income, or someone who’s achieved less, makes less income, has low net worth, and have a scarcity mindset?
Who’s the better teacher? It depends. Maybe the answer is, who’s truly helped the most people in practical, every day, applicable for real life ways.
I wouldn’t write Jade off as you have Erik. She has achieved a great deal. She’s traveled extensively, successfully living her passion with her music, paid off nearly half a million of debt, landed an enviable job as a radio host and financial teacher on the huge Ramsey network, has a net worth in the millions and financial peace, and has a wonderful home and marriage. She’s doing her thing, and well. And don’t equate ‘choosing not to take on debt’ as a scarcity mindset. It’s a freedom mindset.
Her life doesn’t need to look like anyone else’s. Just because he has more money, doesn’t necessarily make him a better teacher. Definitely not for the millions of people who are helped more by the Ramsey approach - who, by the way, is more on par with Brad as far as wealth. He’s probably on his way to billionaire status. Ramsey is the teacher with more impact.
@@Master_Erik_M I'd say the person with a plan
Such a great conversation!! I really appreciated hearing both perspectives and advice!
This guy is all about everyone that wants to be wealthy needs to start a business but what happens to schools? Police? And other public services? And what happens to businesses if most people start their own? We need employers and employees. And both should be able to reach wealth.
This is what I love about Dave Ramsey’s method. I’m an immigrant working in hotels for minimum wage but I have 3 jobs 75h a week, bought a house and on the path to pay it off so I can be debt free and start investing in S&P 500.
But I will still have a full time job being an employee.
People who don’t own businesses can be wealthy.
Everyone doesn't want to be wealthy.
Some people like doing it the hard and difficult way versus the smart way. Both takes hard work. Choose your hard.
@@dec1slhbut everyone should try. Everyone doesn’t want to read a book, but everyone should try. Everyone doesn’t want to exercise. But everyone should try. Everyone doesn’t like being a nice person, but everyone should try.
Of course not everyone want to be wealthy. But EVERYONE should try. If people’s children asks their parents if they should try to do the minimum average and struggle in life or strive achieve their absolute best potential and to be wealthy, what do you think parents should tell say?
That's not what he said. He is speaking from the perspective of those he coaches and aspire to do more. There are people born to work within public service and there are those born to build. Both Jade and Brad are correct for their audience. However, sometimes people change as they grow and can adopt a different school of thought.
@@Master_Erik_M THank you!
Dave Ramsey's teachings are common sense. I believe credit and credit cards have a way of making people lazy.
Instead of being creative with generating income.
All Dave Ramsey is saying that people should be more creative so they can have disposable income for investments and live a good life
I never see people talk about this online. Great idea for a debate Ellen!
Haha! I am a teacher and I don't make much and I am paying of loans. But, the investment I put into my students is priceless! So, what Brad said kinda cracked me up.
However, I am somewhat down the middle. I following the Ramsey model to pay off my debt. However, if I have the money, I am going to invest in things and buy the things I enjoy. I believe in giving to others because that is what God wants. I also enjoy investing in myself and I also treat myself to Starbucks and Chick- fil-a every once in a blue moon. But, I am more with Jade. I want to live in peace and responsible. Think about the book of Proverbs. Again and again, it talks about being fruggle and being wise and not foolish.
Brad tried to prove she has something she wants that she cant afford, like her method is not good if there is more she cant afford.... but he also admits he also wants more.... so does that mean his method isn't good enough as well??
This video was well worth watching.Thanks for bringing these two personalities together to discuss their perspectives.
Greed never gets you true happiness
Jade, you rocked this interview! This other guy is out of touch!
Jade provides a basic set program for a range of people in different circumstances to achieve personal financial goals, whereas Brad provides a more whimsical-like view and generic characteristics a person should be to achieve personal financial goals.
I believe Brad's way is good as well but it's not the first step of the ladder to Financial Freedom. Jade provides the initial steps towards personal financial goals, and along the way, individuals will achieve the different mindset Brad speaks of to then move forward along that ladder to achieve even more or higher/better financial goals. The majority of people in the US need the structure that Jade provides to start them off; to help develop discipline, a money position mindset, and motivation.
Brads way is just talking about going in sales and starting a business. Not sure why he can’t understand that you can do that and also believe in not using debt to do it. Very confusing why he doesn’t get it
Ask him how old buffet was when he became a millionaire.....now he's a billionair. Taking time building wealth works
I'm a big fan of The Ramsey Show, so it was great to see Jade on the podcast.
This is really stressful to listen to when he keeps interrupting her as she’s about to give some advice that I really wanted to hear.
I truly learned from each person… 😊 Jade gave me a power boost. #PlayToWin
Brad 's advice works when everything is going well which is bad advice.
Jade's advice works when everything is going bad which is good advice.
Brad is a dreamer that just so happen to make it. Jade's advice is suitable for most people. You can be wealthy and not have debt. Brad doesn't really have any advice other than "just make more."..and if it was that easy, no one would be in poverty.
Essentially, Jade's advice will help everyone. Brad's advice will help no one because all he talks about it "mindset." Mindset doesn't pay bills. Mindset won't pay the credit card bill. Mindset doesn't help when you've just been let go and the mortgage is due. If that happened, all Brad would say is "just make more money". Jade would say "ok, lets budget and see where we can find some extra money."
If you want to be wealthy, follow Jade's advice at first and then expand your financial thinking.
Last point: I hate Brad's "advice" because it's just like every other finance "guru". There's never any detail to get you from A to Z.
For example, Brad is always saying "If I take out $1M at 20% but I can make 40% on it, I do it."
Great! Which investment vehicle are you getting 40% interest??...Please let us know!!!
But they won't ever tell you..which is how I know it's bullshit.
100% with Jade. Brad's advice is completely unrelatable to the average person. Someone who feels trapped in debt needs to be shown that there is a way out, and that they can thrive and do well. A series of steps to get there is just what's needed. There is a reason Dave Ramsey is far richer than this guy.
Brad isn’t willing to admit that no one is saying you can’t go and start a business if you follow the baby steps. We just believe you can do it without taking on debt. Even if it’s slower. But people crash tf out all the time trying accelerate success. I can’t understand why he can’t grasp that concept of starting a business but also not wanting a bunch of consumer debt. Come on Brad. Hopefully Andy is less brain capped
I love this episode!
Great freaking job Jade!!!! You killed it
LOL when he didn’t believe that her and Dave have no credit cards💀💀😂
Because he couldn’t believe people are that closed minded. And he was willing to bet $1,000,000 cash because he couldn’t believe it’s possible. He’s putting his money where his mouth is.
He could get his point across better without being rude. Love Jade❤
Brad needs to listen to Dave’s callers and get a reality check. People don’t just change their vibrations and poof- do something that makes them rich. The callers who tried to think like Brad end up calling Dave.
I want to get that tatted: Your Frequency is what you frequently see: this A WORDD!
I love Jades’s point of view because 80% of us Americans are average working class people, but I understand what Brad as saying as well. There’s more than one way to skin a cat. Also Jade you’re rocking those braids girl!
Shes so calm and collected. The guy really needs to learn from her atleast his attitude needs to change
Great video! But I need to say perspective doesn't pay bills, money does. Perspective change, plans change. The misunderstanding about Daves plan is it keeps you "average". At least thats what I think this guy believes. But Daves system actually gets people out of average and puts them on a secure path to only building up from there. It doesn't matter how high your risk tolerance is. Inflation is not an issue, FED rates don't matter on Daves system. With Dave's Baby Steps you can only go up!! That is far from where the average American is and far from a scarcity mentality. But if you don't listen to Dave you won't know that. It's actually a mentality that is based on Impowerment and Enablement.
Yes! Well said. Everyday Millionaires!
Gooooo Jade!!!! Proud of you!!!
Go Jade !!!! Dave Ramsey's advice changed my life.
14:51 I disagree having a car just to get a job, B.S. 😅 I work remotely making over $6k + a month and only use my car on the weekend. Sir! You need to teach people to shift their minds how to make $$$ in a totally different world. I love the perspective of this lady ❤🎉
This guy is … so insulting. yes obviously he’s rich but just because I don’t know exactly where to put my money and guarantee a 20% increase does not make me stupid. There are so many scammers and so many people that pretend it’s not safe. Jade is a queen.
Yes it does. Every information is out there and there’s a ton of resources to find out. You just have to try a little harder. Not knowing anything in 2024 when you have these magical smart phones and internet makes anyone say “I don’t know” stupid AND lazy.
Great interview! Love learning the difference in mindset thru the debate…they both have good points. I think for me personally, I’ve already mastered her way of saving and living “risk free”, but I’m realizing it’s limiting and not letting me live the big life I really want. I will research his approach more and see how I can change my thinking to earn lots of money!
I can’t handle this dude. He’s SO full of pride and arrogance. Golly 🤦♀️ I can imagine being married to him 😱
What do you mean, he's "as close to an angel as he can be" 😌53:32
😆 🙄
Lol some of the things he said I'm just like sir... no.. lol no way you're out here talking people into going into debt like this and teaching bad habits 😂.
@@Keysh_aVibe I was like... is this dude hired by banx or something?
Great discussion. I think both of them are right. Saving is great and there’s most definitely something to be said for orienting a portion of your finances around giving you a sense of peace, but there’s also something to be said for focusing on generating more income and getting rid of the victim mentality.
I like his approach to mindset, debt, and educating oneself in order to make informed financial decisions rather than decisions out of fear. But I also like her approach to finding a balance between financial success and drive, and the other parts of life that mean just as much or even more than financial success.
This is content we like to see!
I was a fan of Brad Lea, but what he fails to understand is that a debt free person can still run a business , invest and make money. I discovered Dave a long time ago and one thing I realized about Dave is that he is a versatile entrepreneur! He makes so much money from so many different businesses he don’t need to borrow ! If you can learn how make money you don’t need to borrow! I moved to Puerto Rico to save on dumb decisions I made and now I’m back on US turf we run over 5 profitable businesses and don’t care to use OPM (other people money) & I ran a big credit repair firm !
Whooaaaa this is GREAT love Jade!!!
This convo is seriously stressing me out. It's like watching two parents' debate over the daily expenses. Although my last statement may say a lot me -- there's many ways to financial freedom. Exhibit A and B. The two speakers here are obviously successful in their own rights. First time on this channel. It's a tense debate with no moderator as a buffer, giving viewers more anxiety over their finances.
We want more!
I agree with him on the giving part he’s was spot on .
when I open my heart to start giving I started to have more of anything.
Great show!!
Jade’s perspective as a woman is huge. In a world where many treat guys differently if they’re broke, saving, or on a mission that’s not monetarily harmful, that’s great to show the other side.
I think this can be simplified as an Income (Brad) vs Expense (Jade) argument. Both options are beneficial depending upon an individuals skill set, mindset etc. This was a great conversation, thanks.
Thank you for hosting this episode, Ellen! Both Brad and Jade have important contributions that showcase the diversity of paths to become financially successful. Both of their approaches can be used and have their time and place, and for me, personally, I will be using elements of both.
Both? I disagree. I didn't get anything useful from him. Useful to the banx, maybe.
@BlueNorth313 I only speak for myself. I already am familiar with entrepreneurial types and know how they speak, so I had a foundation going into it.
@@restfulstillness2274 Good. I haven't gotten anything from substance out of him, other than "it's okay, risk it all to potentially lose it all". I don't trust anyone who thinks living in debt, under someone else's yoke, is a sustainable lifestyle or a good idea period.
Great episode!!!
Ellen , I love your podcast!
I have not had a car in 14 years..take the city bus or another form of transportation. I am financially independent now.
W. Many people think that a car is the ONLY reliable form of transportation. In today's time, there are many. Ebikes, mopeds, public transportation, normal bikes, and a few others. All of which are cheaper than a car (and some are healthier for you). The problem with people today is that they want to "Fit in" with everyone instead of focusing on their own journey. Sacrifice luxuries for growth. Once you can afford these luxuries, enjoy them.
Thank you Jade >>>>>
I see their points on both sides, so this was an interesting podcast to listen to. I'm at the credit card debate towards the end. I personally use a credit card for all my purchases. I use my credit card like a debit card, and then just pay the credit card off on time so that way I don't pay interest, and I never spend money I don't have. So I use the card responsibly, and the reason I use the credit card instead of my actual debit card is because I get 1.5% cash back on every purchase I make with it. So why not get some of the money back? I definitely think having a credit card is not a bad thing, just be smart with it and don't abuse it.
Agree, and that's how I've always used my credit card as well. There are 100% people who are not credit card people though. If you've ever listened to the Financial Audit podcast, some people just can't handle them responsibly! But for those who can, they do offer great benefits!
Cash is king. You guys need to listen to Catherine Austin Fitts.
Jade is the goat!!!
We need more people like this
Brad thinks you will take out a loan for 20 percent and then gain 40 percent on it. That type of speculation is what led people to borrowing money to put in the stock market shortly before the crash of 1929. How well did that turn out Brad?
Jade comes across so much better than Brad. Woweee love love love
I also 100% agree with credit cards > debit cards. Protection and points. I will never use a debit card by choice. She’s bugging on this one.
I have about 8 cards. I use 4 regularly. Pay them off every week. Never had a late payment. Also haven’t paid for a flight in years.
Brad the 10% gain you’re getting from borrowing only works if the 10% rate of return is guaranteed, no one can promise you that rate of guaranteed return. At the end of the day, it’s all about behavior, whether you make 30k or 300k
unpopular opinion... i love brad's approach!