My Money Vanishes When I Get Paid
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- Опубликовано: 29 авг 2024
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I was broke, paycheck to paycheck, drinking to blackout every night at 27… now I’m 35, 986 days sober , debt free, and about to close on my second house.
Congrats!
Congrats on your sobriety! I'm on day 446
Congratulations
Wow!!!! I don't know you, but I'm proud of you! Keep moving forward😎🙌🙌
That's awesome!! Congratulations to you ❤
I'm debt free and listening to this as I'm packing my lunch.
I love these two together, he gets to speak his mind and she tempers it perfectly.
Works at Wal mart. Has employee discount of 10% on general merchandise. Cheap food options, right there. Delete all cash apps. Cancel credit cards. Use a traditional bank. Invest. Wal mart has health coverage. They even has a small match to an HSA. Matching 401k program, they have a tuition reimbursement program. They can erase this rather miniscule debt this year if they so choose.
@Forced_Drama college is useless?
In 1980, my first job $100K
$250K by the mid 90's
@@aolvaar8792 There are Biology majors working at Burger King. There are PhDs who are homeless. lol
@Forced_Drama Health insurance would technically be taken from your paycheck from taxes you pay to the government for universal healthcare.
@Forced_Drama If health insurance was covered by the government it would still be taken from your paycheck in the form of more taxes.
Adding;
1. spend cash and only cash that has been included in your budget.
2. Remove debit and/or credit cards from all apps and also phone (Apple Pay).
We've all been there anonymous. You're in the right place and on the right track... All the best
Honestly, I was so mad that when Dave said change I did. I did it immediately. I was done with what I had been doing. I think people need to get mad.
My daughter recently asked: " can we please go out and eat, we cook every day", it made me smile as it's true. W cool everyday enough to eat and bring to work next day. I was happy to go out and eat with her as I know we don't do it often, even though we can very well afford it.
I’d be retiring or working less in 8 years, and considering this financial recession, Im deciding to begin taking up skilled trades. I’m curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $120K per year but nothing to show for it yet.
you should contribute to your retirement diligently, or better still look into financial planning don't come to youtube for advise, consult a local or trusted online broker/plannner
Very true, I find myself lucky enough exposed to money management at an early age. Worked full time when I was 19, purchased first home at 28, fast forward time... I'm 61 now, got laid off March 2020 amidst lockdown, a blessing in disguise. At once, I consulted an plannner to stay afloat and with subsequent investments, I'm only 15% short of $1m as of today.
this is huge! would love to grow my reserve regardless of the economy situation, my 401k has lost everything accrued since early 2019, at this point, i'm in need of guidance, can you point me?
Monica Mary Strigle, a tech-savvy and forward-thinking woman in her 40s, possesses advanced knowledge and expertise in technology. With a contemporary approach to the markets, she has established herself as a highly skilled financial pro.
thanks for info! curiously copied and pasted full name on my browser, spotted her page easily. lady actually looks very distinguished so I booked a call.
I exercise to avoid sickness, poverty and early death.
Sickness leads to more poverty because it’s more money going to Drs and hospitals
you're stil gonna die.
To the people that say these callers/emails are fake, i promise, they are not. People are super irresponsible with money.
Some are fake.
I agree there are enough people out there with problems that they don’t need to grab an intern to pretend to call. You even can hear the emotion in callers’ voices.
@@jimmymcgill6778 let's assume the calls are fake but the problems are real!
Thanks to being diagnosed as diabetic in 2020, I quit my fast food fix cold turkey and started to prepare EVERY meal I eat. Working on managing carbs is not the cheap way to eat, but it allowed me to lose 25 pounds in the first year and brought my blood sugar into safe zone after 60 days - I have maintained my weight loss and my blood sugar is under control. By having to fix my meals instead of eating out, I was able to learn what I could eat and to stock up on items where I could on sale so my pantry has lower costed items than normal so now my "special" diet doesn't cost any more than a normal person. I now limit my grocery shopping to once per week and I routinely will look for marked down items to stretch my budget. I know the quality of the food I get at this grocer so I know how long those items will store once marked down. Years ago I was a junk food junkie who though nothing about spending $10 per day eating out. Now I spend less than half that for an entire day and I stick to the budget. Dave's way works!
That's impressive. Eating on 5 dollars a day is ridiculously difficult, and it's probably not the best food, but hopefully it's good enough. I mean I bought a fresh salmon filet to cook for dinner tonight and that cost me almost 8 dollars alone. So if you can feed yourself the entire day for 5 bucks, that sounds like some real beans and rice territory.
Dave you are full of great wisdom.. theses young people should pray that they'll be half as smart 🤓 as you... I'm a 60 y/o African-American grandma of 5 and listening to you is like listening to a father I wished I had growing up...God bless you 🙏
Dave’s nightmares are filled with donuts 🍩 There isn’t a day that goes by that he doesn’t think about them 😂
I honestly really appreciate that Dave is 1. Referring to him /her by name (in this case "Anonymous" & he's talking seriously as if he were talking to him/her by the real name) & 2. He shares about his struggles- 4 him it hasn't been money, but food/weight/how the pandemic affected him. Anonymous, just keep going. You're doing amazing. Dave, I'm going through your struggle while also paying off debt. We can all do it!!
Rachel is so great on this show. 🙌
Meal planning goes along way. Slow cooker meals. Lots of ideas on RUclips.
Dave was cooking again. People like easy changes, not the one's that yield long-term gains with upfront sacrifice.
The shoutout Rachel Cruze gave to Legally Blonde made me SO HAPPY 😂
Thanks for posting the movie - I was trying to figure out what she was saying.
I said the movie line as she was saying it! Lol 😂 Awesome movie 😊
Hearing Ramsey talk about health is very funny and comforting I actually am ahead of him in this area. Eventually he will enjoy working out especially if he picks up weights lol this isn’t meant to sound prideful it’s just amusing and good for Dave starting down the rewarding path of health and fitness
Ive lived my whole life (63) without EVER doing a budget. Started financial peace 4 weeks ago. Wish id Started when it was presented to me 5 yrs ago. Tired and sick of living paycheck to paycheck when i make over 100k a year. Step 1 completed. Working on 2. Thank you,Dave, for bringing me around. One day we will be down to do our Debt free scream..
I absolutely excercise because its fun. Setting a new bench pr is an amazing feeling
Like Dave said, you just gotta get to that point where you’re tired of working for money just to lose it all immediately. That’s what it took for me anyway. It sucks realizing that you’re literally a slave. You work to pay somebody else. Budget, live cheaper, increase your income, sell anything you don’t need, etc.
I was doing the same thing but using 4 or 5 of these apps, using substances and alcohol. It took a couple months to break the cycle and start piling cash. Debt is evil, and it was so bad that on payday my entire paycheck would disappear before the day was over
Been there done that 😢but planning for the future is very beautiful 🎉😊
Daily pay was a addiction 😂😭💯 I was slaving but wasn’t really getting nothing on payday it got to a point when I realized I made close to 10k in 3 months doing 6 days a week in Amazon but I was broke sometime and on the bus still buying rentals it was fun but it was stupid especially when they let you go then the app stops giving you money 😂😂
my friend was spending $1200+ a month on restaurents and couldn't figure out why he wasn't saving money. When I budgeted with him he didn't seem to understand that this was keeping him paycheck to paycheck
Eating out is so crazy expensive. Even if its just lunch and dinner and small restaurants you are spending like $50/day.
I spent 20$ on a lunch today,so I also had it as a dinner and saved enough for tomorrow's lunch ..I just eat a little less and feel better 😊
How much does he make on a monthly basis that allowed him to spend $1,200 a month eating out?
@@BREEZYM6015 Apparently not enough.
@@BREEZYM6015a broke boy question
It does not matter. You can eat for a couple of hundreds healthy self made food. You are not at a point where you can afford to care about other peoples paychecks.
I love it when papa Dave shares the donut 🍩 story!
Thank You For Changing my life Mr Ramsey
Most rich people stay rich by spending like the poor and investing without stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them
People prefer to spend money on liabilities, Rather than investing in assets and be very profitable
You are so correct! Save, invest and spend for necessities and a few small luxuries relatives to one's total assets ratio.
Thank you Angela Christine Derle for $60,000👍🏻. There are so many opportunities to make money here on RUclips but most people don’t know. Thank you for continuing updates I'm favoured, $60,000 every two weeks ! I can now give back to the locals in my community and also support God's work and the church. God bless America🇺🇲
Hello how do you make such monthly ?? I'm a born Christian and sometimes I feel so down 🤦 of myself because of low finance but I still believe in God.
Thanks to my co-worker (David) who suggested Mss Angela Christine Derle
You are right uncle Dave
Learn to enjoy cooking on your day off where you have leftovers for the following nights. Learning to prepare your meals at home is not only cheaper, it's typically healthier with less fat, salt and sugar.
Rachel and her movie quotes Crack me up! 😂
It all comes down to common sense !!! That’s all Ramsey is conveying
7 years ago (before the every dollar app), I built a spreadsheet. I now have no debt (except mortgage) and have more saved than ever. In 3 months, I will start dumping 4 extra principle payments per month. I will pay off the house in 10-12 years. I know reality will enter, hence the 2 year slush.
I love to eat out and I need to look forward to what I have brought from home to overcome the desire to go out.
I pack a favorite piece of fruit I really like such as Cara Cara oranges, honey crisp apples, or cherries whenever they’re in season. Fortunately, living in California, there are microclimates all around me that allow people to have you pick orchards and farmers with farm stands certain months of the year for all of these fruits. However, these fruits also are available in grocery stores.
My absolute favorite are fresh strawberries from the fields in Ventura and Oxnard. They taste sweet because they’re not gassed green for transport. Strawberries are the only fruit I refuse to buy in the grocery store. They are so much better when they’re allowed to ripen on the vine.
I pack a sandwich made with cheese and meat I like with my favorite deli mustard. I bring mustard and mayonnaise in a little cup so the bread doesn’t get soggy. My favorite deli mustard is by Boars Head. If anonymous wants a brand of mustard available at Walmart Gulden’s spicy brown mustard. I like a little zing in my sandwich.
I like sandwich rolls and butter lettuce. My favorite sandwich rolls are from a nearby town named Bishop, so I buy extra and freeze them.
I also like Boars Head’s chipotle Gouda, smoked Gouda and three pepper Colby jack cheese on ham or turkey sandwiches.
I also will make my own yogurt parfait with vanilla Greek yogurt, granola and fresh berries from the produce section.
I make my own berry smoothies with Walmart’s antioxidant blend of frozen fruit, pomegranate juice, vanilla protein powder, ground flax seeds or chia seeds, vanilla Greek yogurt, and sometimes gentle harvest coconut water. If I don’t want to splurge on gentle harvest coconut water, I add regular water. I use a pinch of guar gum to keep everything emulsified. All of those ingredients are available at Walmart.
Slow cooker meals are easy when you’re busy and tired. Since anonymous works at Walmart they sell regular sized slow cookers and small ones. Betty Crocker has two beef stews that are delicious and all of the ingredients are available at Walmart. One is Slow Cooker Italian Style Beef Stew and the other one is Slow Cooker Old Fashioned Beef Stew. The vegetable juice is V-8 or Walmart’s equivalent. Beef bouillon granules might not be available even though Maggi, Knorr and Wylers make them. You could just dissolve some regular cubes in water or smash them in a plastic baggie.
Hopefully, these ideas help. I make more than anonymous but I was in the same position for a while and eating out was my biggest hurdle. I not only enjoyed my favorite restaurant food but after a stressful day of putting everyone else first (I teach high school) eating dinner out felt like pampering. Someone was serving me.
Simply understanding the term " cliff spender" is all some people need.
How about "doom spender"
Focus on the harvest. I'll be remembering that piece of advice.
People are too busy saying I deserve/entilted to this or that, not thinking about whether they can afford it. Once the money runs out reality sets in.
I like how Dave and his team express sympathy and harshness at the right times. Dave was quite kind to 'anonymous's shame-inducing and vulnerable situation. Hope 'anonymous' is doing well!
***Invest in a good spice for your home cooked meals. It satisfies the take out craving for a while:)
Naming that app DAVE is hilarious
LEGALLY BLOND!!!
Right there with you, Rachel 😂
Oh haha, I had paused the video to post the above before you said what movie it was 😂 I’m clearly too excited
Dave’s “Anonymous” dad joke at the beginning 😂
Everyday choices become lifestyle changes. Every day you walk your mile and think you might like a donut, and every day you say no to the donut. Eventually it becomes second nature and it's easier not getting the donut. Money is the same way. I need to say no to the little "insignificant" purchases and make do with what I have, and it adds up.
Just stop going out to eat. This is not hard.
Or ordering Uber eats, probably the largest waste of money I see people do regularly
But I order one bagel for delivery because I am a lazy pos. *sarcasm*
People do! 😂
You can treat yourself a few times, but what Dave said would work - get healthier and go on a diet during the week and treat on weekends
@@TopShot501st yep got people out here paying $30 for McDonalds lol
I need to learn how to cook 😭
Best wishes to Anonymous in getting to a better spot.
Most of my money vanishes too when I get paid. A bunch of it vanishes into the 401k, another bunch vanishes into the brokerage account, and a final bunch vanishes into the emergency / long term savings account ;)
Dave Ramsey for President!
I would PAY to see President Ramsey vs Congress, especially at federal budget time. Government would probably never emerge from the shutdown that would follow....after which he might divert their salaries to vets, first responders, etc. Then, the Supreme Court would get dragged into it. Since it's my fantasy league, I'd nominate Judge Judy for Chief Justice! 😂
oh NOOOOOO
Yay. We need Dave!😊
Dave giving fitness advice is priceless 😜
Hey Dave, you’ll actually lose more weight faster by lifting weights. Doing both is a cheat code
Make the app available in the UK please!
Just once I want Dunkin to sponsor the Ramsey Show
Lol over Dave's comment on exercise 7:22.
Dave- "There it is"! Love it!! 😂
this was a good one
Mine does too, but it goes where i put it, bills, savings, planned spending, its great
Is that an autographed ball from Tony Dungy?
You had me at Donut.
My nephew did not want to exercise as it would take too long to get results. 2 years later he whines that if he had exercised he would be ripped now. My mum loaned him money for a downpayment on a house trailer. He decided to cut back his work hours so didn't get the mortgage. Mum asked him for the money. He said he had spent it all on McDonalds!
Rachael was like dad you’re talking nonsenses lol😂😂
Dave walking to the donut shop 🤔
You have to try to make exercise more fun. I either need to listen to my favorite music. Or, if I'm on a stair master, I watch my favorites RUclipsrs. Sometimes even this one. 😅
Not the cash advance app called Dave😂😂😂
What Dave, walking is not fun?? I love walking.not to lose weight,I was always skinny,but for pure pleasure.
I'm honestly scared for when Dave leaves because I've noticed it more and more but when he's saying harsh but true stuff and Rachel said "that's not good self talk" . That's that feelings over fact mentality
I read: my momma vanishes when I get paid. Had to look what that was about!
Booze?
I also had terrible eating habits during the Trumpy pandemic, so I can't relate, Dave. Nice job in taking on healthier habits!
TDS alert ⬆️
@@pamcornelius9122 MAGAt alert ⬆️
@@pamcornelius9122 MAGAt alert ⬆️
dave still schooling rachel after all these years 😂
*static*
Dave: RACHEL...I AM YOUR FATHER!
Rachel: No shit you are, Dave!
My money vanishes too - into investment accounts: 401k, IRAs, growth stocks, ETFs, crypto.
Go FTX FTW !!!
Some of these callers/emails must be fake. Wasteful spending, stop using credit.
My money vanishes before I get paid. 😂
I am not trying agrue but why dave keep saying Fauchi Pandemic. Millions of Americans died and tens of millions died worldwide.
right he makes me sick making things political. The pandemic was mishandled by the Trump Administration but he will never say that
@@rostarr713 true.
@@rostarr713 What's your IG?
Didn't Fauci fund the research and development of it? Wasn't this all brought out in Congress already?
@@aaronh1205Are you really that misinformed? Did you inject yourself with bleach? Did you use ivermectin? OMG
working nights is a problem aswell especially at that age ,
what does working nights have to do with this their situation?
@@theamerican7131 i guess i have to explain, well working nights is not normal to our body i know ive done it maybe you have aswell, but it really makes you more lazy long term so im sure she buts most of her his food in fastfood for the convenience, but guess what all that junk keeps you lazy and keeps you in the cycle of not wanting to cook for yourself because its just easier to eat greasy food that does taste pretty good , but its quiet expensive,
that was just my thought
so in the long run saving money will not be possible for anonymous
Dave only rips on real people but so kind to anonymous
If you carry a positive balance on a credit card, can you call it a debit card?
Go for it. Though most folks find checking accounts are easier…😂
Call it a debit card when the monthly statement says 0 every time
The Fauci pandemic!!?? ... ok, you've showed me who you are and I believe it.
Yeah I stopped after that.
I have friends who lost parents to COVID. It’s not something to laugh about, especially if you identify as a Christian. He’s got great financial advice, but that was cringy.
@@marksimmons7906 MAGA logic ... bewildering and alarming.
I didn’t know about the Dave cash advance app🤣🤣🤣🤣 Also, proud of Dave’s daily exercise! 👊🏽
Dried blueberries and oatmeal $4 a meal
Can you still use the every dollar app if you utilize credit cards?
Those Subscriptions are a killer …🤪
I mean I never had this specific problem. But like Dave's food thing I've had other issues I can relate too so ill translate it to financial. It's a tad intense. But have a no spend month. During that month you can only buy groceries, bills, gas, and emergencies. No streaming services. No gum memberships. No snacks. No pops. No coffees, no beers. Nothing. Just food you will eat during a meal. If you have a want, put it on a list. You can not buy it or you start over.
One thing holding you back is borrowing. Doing that should help reset you so the borrowing isn't holding you back. It also helps you get creative. Well.. instead of going out with your buddies, maybe make a few drinks at home and watch a game on broadcast TV. Or maybe discover that local park. There's so many fun things to do that cost Nothing.
The next month, you start slowly adding things back in. Do not resume your spending habits. What you do is add 1-3 of the most important things back. But only if you can afford them where you can still save money & NOT barrow. If you can not do that.. then you can not have that thing back in your life. So something needs to give. Sell a car. Downsize a house. Remove a less important interest. Get a better paying job. Etc. And you keep slowly adding things back but only the things you find the most valuable. And only when you can afford it.
Okay but eat less, exercise more is called dieting and thats not what experts recommend anymore. They recommend lifestyle changes. So for me, i follow a calorie density chart and try to eat only foods that are 700 calories a lb or less. I have veggies on every plate then i can eat ll i want til im full. GIant plates of food
Idk what came over me lately but this past 3 weeks I spent almost $10k without thinking about it. Mostly on my project car. I’m disgusted with myself, don’t be like me
I have the same problem. I spend my paychecks on alcohol, drugs, exotic dancers, fast food, etc. It all adds up so quickly. 😕
I always said the people that run for the "High" have never tried real drugs 😆
Stop with the Fauci pandemic.
I am not going to let you forget that they did that. And the truth about the vaccine is coming out too.
The Fauci pandemic is part of history now
History belongs to the victors
I agree. Unnecessary maga symptom….
@@Nrusticawho was victorious?
"What has to change?"
Budget
Get disciplined or the IRS is going to get you disciplined
Money should vanish . Just go to the right investments
Sometimes Rachel looks so embarrassed by Dave’s ramblings but she can’t say too much. You can’t upset the emperor.
Yup every time they are on together. If it’s any other personality, they won’t even dare make any facial expressions while Dave goes on his rants
Dave's rants make things more interesting and a greater impact. It is not just the advice that makes the show. Some of the other personalities have no personality. Even separate from The Ramsey Show.
Could be depression. Shopping therapy.
Discipline, consistency, the WANT TO more than anything,
Determination.
Those are my 4 words and phrases
It sounds like Dave kept the donut ppl employed during the pandemic. It was very selfless of him.😅
I enjoy watching you until you bring politics into it. The "Faucci Pandemic"? Get real.
Then go somewhere else. He’s not wrong.
@@bb-1359 take a flying leap
@@itscalledlogic7 FJB
What did he say that was wrong? The response to the pandemic was far worse than the actual virus itself.
Going out to eat contributes to many issues lol
I wsih there was a UK version of this kind of channel on RUclips :C
Yes, it's frustrating that their system is different and some things don't apply to us, like the 401K
Eating put for lunch to me is how some people view taking lunch to work....like who in the world eats out for lunch? Lol. Taking your lunch to work is so much more efficient and not an inconvenience.
I don't eat lunch at work at all. A better idea.
@@amireallythatgrumpy6508 but do you work 8 hours a day or 16 hours?
Legally Blonde! Lol! Love ya Rachel! ❤😂
Dave needs to get over the pandemic. we get it, your renters stopped paying and you’re upset.
You're not upset about inflation at all?
@@BeyondTigerMilkthe global inflation?
@@BeyondTigerMilk Not really relevant. Inflation would have happened with or without the pandemic.
@@amireallythatgrumpy6508 is this a troll?
Wow, so no renter paid Dave? Who knew.
You learn discipline by actually doing what you need to vs what you have been.
Over time the change will become normal.
well no saving ecomes normal than the question is how does that make sense. I used to save alot and now don't because it is no worth it at this point.
Good god. It must. BE NICE to not have trashed knees, and BE ABLE to walk 4 miles.
I miss being able to wall any real distance. Loosing weight at nearly 50 is Increasingly difficult if you csnt go walk
Hey Uncle Dave, I’m on step 4. I’m investing about 25% of my income but I might need ken Colman book 📚 about increasing my incomes 😊… I’m MUST INCREASE AND MULTIPLY MY INCOMES as much as possible. Thanks 🙏
Go on 15% until you reach baby step 7.
This guy is in a debt spiral that is existential to their well being and Dave is comparing it to him eating less donuts.