I am tired of all of my friends saying how lucky I am to have money in my savings account . I am 60 and I started saving at the age of 4. It took a lot of self controle ,sacrifice and hard work sometimes I worked 3 jobs. And I am dyslexic SO NO EXCUSES. Just live below your means and SAVE the rainy day always comes. Expect it.
Healthful Hints that’s too complicated and too much work though. You expect people to miss House Wives in order to educate themselves?😂 Luck is when preparation meets opportunity so good job on not being average sir.
@April Showers and millennials get confused for the generation after them. We are not the ones eating Tide Pods...those are the fools immediately after us though
Yup! I'm single, no kids, and parents I know say that it's easy for me to save because I'm childless. That's simply not true. I know kids are expensive, but that shouldn't be an excuse for failing to save money!
People don’t want the truth, they want to feel good about themselves while they’re drowning. Put in the work and you can change your life for the better.
I definitely agree with this for the most part. Once I stopped blaming outside influences and my situation and started holding myself accountable for everything I did and wanted to do, I saw a huge shift in my life. Victim mentality allows people to not hold themselves accountable.
Very wise!! We do need personal accountability and to shift our mindset and beliefs. I want to be the first in my family to be successful & break that curse of being mediocre and broke.
@Brandon De Oca I guess it's just in people's imaginations that a lot of tech and manufacturing jobs are being outsourced I guess it's also make believe that education costs are rising each year, along with housing costs, but wages are stagnating in certain sections of the economy, total fiction but hey if you mean opportunity as in more Walmart/Amazon/Starbucks/McDonald's jobs, then I 100% agree with you
I got grants and scholarships for a community college so much so I received a $2000 check at the beginning of each semester after tuition was paid... I made money by going to college 🤔
Rachel Gee same here. Not as much but there’s always some left over from grants and scholarships. Only taking a few classes at a time since I have three kids. But so far I haven’t had to pay for college out of pocket except for my parking pass. My goal is to make it through school without loans.
Yup. Got the reimbursement then I paid off the student loans past immature 18 year old me took out. I understand how a high school student can be a victim to predatory lending but graduate and still be the "victim"? 😅 College students have so much time to change majors, schools, work ethic and/or become financially literate before graduation.
@@misutasutanto6312 Yea. Let me also add that with inflation a lot of people with networths of 1 to maybe 2 million dollars aren't rich even though we keep trying to lump them in with the rich. These folks are financially secured and better off than the majority of people but are in no means rich. I say this because this is the old political trick of trying to lump people of great wealth together with people with comparitively less and then trying to say oh the democrats and the liberals are attacking "us" for being successful. Remember the small business and small family farm tricks used to pass regressive tax legislations? Then you look closer at the details and it's mostly big multinational corporations reaping the benefits of the legislation with smaller companies make due with scraps to keep the appeased.
To all the people saying how hard it is to go to school: I saved up $2,000 during my time in high school and was gifted another $2,000 for college. Between graduating high school and starting college, my parents took and spent that money, so on day 0 of my college career I was already down $4,000. Then i bought a $7,000 car so i could get to and from campus. Went to school for 5 years (graduating in 2009 - so no this wasn't "back when college was affordable"), averaging 15 credit hours a semester and worked 2 part-time jobs (campus help-desk support and flipping burgers) for an average of 30 hours of work each week. Graduated with a bachelors degree, and less than $4,000 in student loans, which was completely paid off within a year. It's not impossible . . . it's just takes hard work. Wanna know what I DIDN'T do? I didn't go to parties, I didn't eat out (except the free burgers I got at work), I didn't take summer trips to Europe, I didn't drink, I didn't smoke, I didn't go to movies, I didn't have a cell phone, I didn't buy designer clothes. I went to school and I worked. That was it.
1:15 _I'm gonna have to put you to work [...]_ what kind of crazy talk is that, i never had to work for any of my trophies in middle school . . . you got them just for existing
Yep. At a job I don't particularly care for but need to get rid of my student loans. After 1 year it will be paid off and can get into cash flowing my school.
@@o8o8das Classic leftist deflection. You know very well that 99% of conservatives/libertarians oppose the bank bailouts, still you try to bring this point just to interrupt a conservative making a valid point about personal responsibility.
If it's not your fault, then you can't fix it. So realize that it IS your fault, and FIX IT. And make sure your children do not make the same mistakes.
I grew up poor. Not broke, poor. I had 1-2 pairs of thrift store pants and 1-2 pairs of shoes. I worked 3 jobs the summer i was 15 (paper route, kids summer camp, cleaned offices). I got 2 colleges to offer me full rides but my mom refused to let me go. I tried my best working 2-3 fulltime retail jobs and going to jr college but i struggled to afford classes and working 90+ hours and travel (to/from work. Very small town) I had no idea where to go from there. I fell into my career by accident and now i am single mom to 2 kiddos with money in the bank making 6 figures. I never once was a victim - i always worked as hard as i could
But Daaave, it's not my fault! Nobody told me that if I got a quarter million dollars in debt to graduate in Spring Break, I'd be in the hole for the rest of my life!
one of the main selling point of for profit universities is to exagerate the salary that is possible after getting a degree from then. You try to tell me that you would not feel anything at hearing that you could have a 150k salary for spending $60k in school and I will call you a liar. Yes, they neglect to tell you that it will not be the entry salary but when you are seeking for a better future for you and your family you will believe anything. It's like a man in a desert learning that if he follows questionable men he might get to an oasis.
Dave, I truly respect and admire you. My husband and I have learned so much from you, what we should have been taught in our youth. We are changing our family tree and we have you and your team to thank. You’re out here changing lives with the truth and wisdom you speak. Thank you 🙏🏻
Just a thought... not everyone can work and go to school full time. Some people have disabilities, mental health issues, learning disorders, neurodevelopmental disorders such as ADHD, like me for example. I wasn't diagnosed, I got no help, I struggled A LOT in school. I couldn't it without loans because I couldn't work at the same time because school is tough enough. My parents were poor. There was no college fund. I had to do it somehow, so I did it with loans. I'm lucky enough to be in Canada so our student loans are not crazy like in the USA but still.
*well if stopping doesn't work* one can realize they're a victim of their own mentality, and therefore take accountability, the legit & real external factors beyond one's control notwithstanding. 💪
Go to any poor parts of the country and talk to its citizens. This is their mentality, it’s everybody else’s fault, not mine. Go to a college university and get the college experience while dorming up there, BUT that will cost you $$$ you will be paying off for quite some time
When I was 18 I already had a victim mentality. I lived in the country where there was no jobs. I was a high school drop out. I had no friends in high places I was not out going. Then my parents sent me to my brothers house half way across the USA. I thought for a vacation. Seriously. The first day I arrived my brother made me fill out 15 job apps. Next day same thing. No more victim mentality. LoL.
Fantastic advice, dave. This is why I dropped out of university, and eventually went to community college to get more credit hours. Left CC debt free, and I’m going back to uni next year. Nowadays, I pay my tuition cash only. I haven’t used a student loan in 10 years.
With the blessing of accessible information at the tip of our fingers, RUclips videos for Ramsey advice, living in the USA, there’s absolutely zero reason why anyone can’t succeed. Being born broke is not your fault, dying broke is 100% your fault!
It's not always a matter of a passive "no one told me". In fact, the opposite happened to me. I graduated high school in 2005.. and my parents and counselors all pushed me to go to college and take out student loans. I actually felt DEFIANT and like the black sheep for deciding not to continue to go to college after a year when I realized I was unsure of the path, but my parents were really unsettled about how I wasn't staying in school which would rack up more debt. I actually felt tons of shame for stopping school. A lot of kids would probably just stay in and keep racking up more debt. Now I feel like I made out for the better without tons of student loans, considering all my co-workers have major loans but we didn't need the degree for our job!
Hey Dave, enjoy your show. My gas dryer broke while I'm accumulating my emergency fund. I'm only 1.4k off from my goal. I have a clothes lines that just needs rope. Would you teach to use that until I have the emergency fund built then fix the dryer? No debt except for my mortgage. Thanks!
1:15 _I'm gonna have to put you to WORK_ Whoa whoa whoa! At least issue some trigger warnings, man, before coming in with the strong language-"work"- *_*PTSD twitches*_* ( o.o)''
Lo, these cry babies don't have PTSD, they are just rotten. I on the other another hand as combat veteran really do have PTSD but no damm students loans and almost no debt. People have to work and stop following the Joneses.
Welfare society Hurts and Disabled more people than The Great Depression. SSI and Section 8; Really. Single, no kids and you still get Welfare. I’m over it🤦🏻♀️
Professional victimhood is taught. Parents and schools allowing zero accountability and no penalty has a cost. I was homeless 35 years ago. Zero student loans for me. All college was paid with cash flow. Luck has nothing to do with my wealth now. It was all excuses free hard work, sacrifice, and absolute focus. Victimhood is self imposed and i have no tolerance for it.
Poor people are able to get Pell Grant. It covers a good portion of the tuition cost of local colleges. Plus some scholarships here and there or working, and College is covered. I agree with Dave. Don’t be a victim!
for anyone who wants to fully realize their life and find meaning, one of the best things you can do is adopt responsibility. I found that those who embrace responsibility do far better in life than those who find others to blame for everything.
You know, Dave is right. How I found out I needed to get out a Deby was realizing that I put myself in debt. I had a victim mentality. Thank God he was straight up because I'm sure a lot of people wanted to say that to me but never did. His words really need to go farther then they do.
I wish Dave would make exceptions for people going into health professions or medical school. No one has 300k for graduate level education so loans are necessary. Either that or a military or community health service scholarship.
There are people who are taken advantage of. The rich ppl in the West let the slaves in other countries make their food and clothes for almost nothing. Those rich jerks who buy all these apartments and let the cleaners work for almost nothing. Let everything become filthy cause noone wants to clean anymore? No lets take advantage of these ppl who will always just be there. If the farmers quit all these rich ppl can't even eat anymore. Their dollar bills maybe. In WWII the only ones who had food were the poor farmers. Not the poor farmers in India. Their food was stolen to fund WWII.
I worked through college, took me 5 years and I graduated with 0 debt, my parents helped, but I worked a full time job all that time, went to junior college then local senior college. Wasn't easy but I made it through working hard.
Yes and no. We need to take personal responsibility, HOWEVER we are living in the environment. Particular environment. This environment is TEACHING us some stuff or NOT. If I would KNOW what Dave is teaching 15 years ago, I would be WAAAY better financially right now. So, YES and NO. BTW. Congress is elected by people, so it is as smart as people who elected THEM.
I agree with the personal accountability argument, however it’s not correct to gloss over how much the cost of living has increased vs wages. However you slice it it is objectively harder to “make it” today than it’s ever been.
Dave! I'm in debt I make ok money, I'm going back to school to work towards a better profession and I'm trying to get out of debt! Just got a pizza delivery job lol
I showed my sister this and she said dave was too mean in the way he says this? I hope she really listens to this man because shes 30 and I won't put her info out there but I'm currently on baby step two !
Nicolette Carpenter Won’t need to ask. Figure out what works best for him from other sources instead of a phone call to a stranger on RUclips. Having a learning disability doesn’t mean he/she is stupid and lazy.
College isn't absolutely necessary to get ahead. Not every job requires a degree. That being said, if you're set on doing school but you're really sure that you can't do both at the same time (even through online classes?), you could try to save enough money to cover living expenses and tuition.
TOO FUNNY! Anymore I love to just watch people be dumb...it's their business and not mine to be the victim. It's like Dr. Phil always says - hows that working for you?? (YOUR MESSED UP MENTALITY)
Dave, I agree, BUT... Is there something we could be doing to help incite the 20s and 30s age group of people to stand up and grow up instead of mocking them? I'm afraid that mocking them is only appealing to those of us who already share your mindset and not those who need to hear your message more than anything.
I agree with your point but that is what he is doing. With that book and that podcast, he makes it clear that it is not 100% on the students who took out those loans. He blames Congress, parents who didn't think, scammy companies and banks that profit off of these students and the lack of counsel that is provided in high schools. He is just saying, in the face of that information, people are STILL saying "ohh noo you have to be rich to get out of college debt-free".
Go get em Dave! Love it! So many ways to get a debt free degree...wish I was smart enough to put it the book...i got my bachelors, masters and my kids on his way to his bachelors all for FREE!!!!
![Blox Fruits Dragon Rework Update [Full Stream]](http://i.ytimg.com/vi/EqDAp8udhm0/mqdefault.jpg)
I have a RUclips degree in Dave Ramsey. Debt-free education and it didn't cost me anything. And it's worth millions (seriously).
I have a degree in common sense, and was debt free 30 yrs before I even heard of Dave Ramsey
HamiltonRb that’s awesome!
@@HamiltonRb My mom always says "Common sense isn't all that common " haha so true we see this reality daily
Here here yes
I am tired of all of my friends saying how lucky I am to have money in my savings account . I am 60 and I started saving at the age of 4. It took a lot of self controle ,sacrifice and hard work sometimes I worked 3 jobs. And I am dyslexic SO NO EXCUSES. Just live below your means and SAVE the rainy day always comes. Expect it.
Healthful Hints that’s too complicated and too much work though. You expect people to miss House Wives in order to educate themselves?😂
Luck is when preparation meets opportunity so good job on not being average sir.
@April Showers yes a lot of my friends have nothing but excuses in the bank but they buy designer sunglasses
April Showers 🤣
@April Showers and millennials get confused for the generation after them. We are not the ones eating Tide Pods...those are the fools immediately after us though
Yup! I'm single, no kids, and parents I know say that it's easy for me to save because I'm childless. That's simply not true. I know kids are expensive, but that shouldn't be an excuse for failing to save money!
People don’t want the truth, they want to feel good about themselves while they’re drowning. Put in the work and you can change your life for the better.
Jalen Early so true!
"I'm mad!"
"Here's a solution!"
*rips up solution* "I don't want a solution! I want to be mad!!!"
Jalen Early true
@@trebmaster it's so easy to do that without even realizing it
Oscar Obando Dave never said he supported this things tho. You people are so weak man
Some people have a PROBLEM for every SOLUTION.
yep. lazy losers
I definitely agree with this for the most part. Once I stopped blaming outside influences and my situation and started holding myself accountable for everything I did and wanted to do, I saw a huge shift in my life. Victim mentality allows people to not hold themselves accountable.
Very wise!! We do need personal accountability and to shift our mindset and beliefs. I want to be the first in my family to be successful & break that curse of being mediocre and broke.
"Nobody told me"
Well, someone is telling you now, so what's your next move?
Great comment. More information available today than ever. Have to make it happen.
Just said this to my dad. Thanks for not telling me but since Uncle Dave is telling me now I have zero excuses
If you can’t make it in the USA, you can’t make it anywhere.
Yep! Totally agree
BenzoB so true !
Very much true. It is the land of opportunity.
@Brandon De Oca
I guess it's just in people's imaginations that a lot of tech and manufacturing jobs are being outsourced
I guess it's also make believe that education costs are rising each year, along with housing costs, but wages are stagnating in certain sections of the economy, total fiction
but hey if you mean opportunity as in more Walmart/Amazon/Starbucks/McDonald's jobs, then I 100% agree with you
Snow 123 start dog walking !!!!!
this is why I subscribed to dave ramsey
to hear his rants
I got grants and scholarships for a community college so much so I received a $2000 check at the beginning of each semester after tuition was paid... I made money by going to college 🤔
Rachel Gee same here. Not as much but there’s always some left over from grants and scholarships. Only taking a few classes at a time since I have three kids. But so far I haven’t had to pay for college out of pocket except for my parking pass. My goal is to make it through school without loans.
@@katiestmarie1306 good for you guys my daughter is doing this now also almost 2 years done and no debt from it
Same her I got 2,000 dollars 💵 I paid of some debt and my credit card
My job is paying for 7 of my 10 credits this semester. I still have to pay first, but they’ll refund me after I send them my grades.
Yup. Got the reimbursement then I paid off the student loans past immature 18 year old me took out. I understand how a high school student can be a victim to predatory lending but graduate and still be the "victim"? 😅 College students have so much time to change majors, schools, work ethic and/or become financially literate before graduation.
Dave Ramsey is a national treasure. Thank God for men like him that truly keep it ALL the way real.
The majority of rich people aren’t lucky.
They made their luck. They created success.
Investing Engineered exactly
Oh the ole pull yourself up by the bootstrap canard.
A lot of them are thieves..... do your research on the history
@@misutasutanto6312 Yea. Let me also add that with inflation a lot of people with networths of 1 to maybe 2 million dollars aren't rich even though we keep trying to lump them in with the rich. These folks are financially secured and better off than the majority of people but are in no means rich. I say this because this is the old political trick of trying to lump people of great wealth together with people with comparitively less and then trying to say oh the democrats and the liberals are attacking "us" for being successful. Remember the small business and small family farm tricks used to pass regressive tax legislations? Then you look closer at the details and it's mostly big multinational corporations reaping the benefits of the legislation with smaller companies make due with scraps to keep the appeased.
Ngure Njoroge you’re an idiot.
To all the people saying how hard it is to go to school:
I saved up $2,000 during my time in high school and was gifted another $2,000 for college. Between graduating high school and starting college, my parents took and spent that money, so on day 0 of my college career I was already down $4,000. Then i bought a $7,000 car so i could get to and from campus.
Went to school for 5 years (graduating in 2009 - so no this wasn't "back when college was affordable"), averaging 15 credit hours a semester and worked 2 part-time jobs (campus help-desk support and flipping burgers) for an average of 30 hours of work each week.
Graduated with a bachelors degree, and less than $4,000 in student loans, which was completely paid off within a year.
It's not impossible . . . it's just takes hard work.
Wanna know what I DIDN'T do? I didn't go to parties, I didn't eat out (except the free burgers I got at work), I didn't take summer trips to Europe, I didn't drink, I didn't smoke, I didn't go to movies, I didn't have a cell phone, I didn't buy designer clothes. I went to school and I worked. That was it.
Joshua Cook Amazing! Great for you!
You're amazing. Awesome job!
Super cool story !!!!
Joshua, What you describe is the definition of hard! Not sure whether you were being facetious with your opening line.
You're reinforcing that it IS hard.
As of today, this guy is officially DEBT FREE!!! 😁🙌🏾😁 thanks for the guidance Dave Ramsey!
1:15 _I'm gonna have to put you to work [...]_
what kind of crazy talk is that, i never had to work for any of my trophies in middle school . . . you got them just for existing
Yep. At a job I don't particularly care for but need to get rid of my student loans. After 1 year it will be paid off and can get into cash flowing my school.
You mean the trophies his generation created?🤣🤣🤣🤣
Call the wambulance, LOL Dave 1:02
WWWWAAAAAAAAHHHHHH!!!
@@o8o8das worn out conspiracy theories. I can tell you live life with your hand out ready for the government cheese.
BTW guys, I was quoting Dave who said "call the wambulance". Love this RANT of Dave's. 1:01
@@o8o8das Classic leftist deflection. You know very well that 99% of conservatives/libertarians oppose the bank bailouts, still you try to bring this point just to interrupt a conservative making a valid point about personal responsibility.
If it's not your fault, then you can't fix it. So realize that it IS your fault, and FIX IT. And make sure your children do not make the same mistakes.
Or just don't go to college, or have kids you can't afford or even better don't buy a house you dont need
I grew up poor. Not broke, poor. I had 1-2 pairs of thrift store pants and 1-2 pairs of shoes. I worked 3 jobs the summer i was 15 (paper route, kids summer camp, cleaned offices). I got 2 colleges to offer me full rides but my mom refused to let me go. I tried my best working 2-3 fulltime retail jobs and going to jr college but i struggled to afford classes and working 90+ hours and travel (to/from work. Very small town) I had no idea where to go from there. I fell into my career by accident and now i am single mom to 2 kiddos with money in the bank making 6 figures. I never once was a victim - i always worked as hard as i could
Self pity is the worst thing u can do to urself
But Daaave, it's not my fault! Nobody told me that if I got a quarter million dollars in debt to graduate in Spring Break, I'd be in the hole for the rest of my life!
one of the main selling point of for profit universities is to exagerate the salary that is possible after getting a degree from then.
You try to tell me that you would not feel anything at hearing that you could have a 150k salary for spending $60k in school and I will call you a liar. Yes, they neglect to tell you that it will not be the entry salary but when you are seeking for a better future for you and your family you will believe anything. It's like a man in a desert learning that if he follows questionable men he might get to an oasis.
Dave, I truly respect and admire you. My husband and I have learned so much from you, what we should have been taught in our youth. We are changing our family tree and we have you and your team to thank. You’re out here changing lives with the truth and wisdom you speak. Thank you 🙏🏻
Daves whining voice sounds like the comic book dude in the simpsons 😂
Dave looking like Tony Soprano today.
Lol
😂
I 💘TONY. I 💘Dave too!
Dave is the best thing happened to debt riddled America. He is like a conscience that kicks our brain cells and gives a reality check.
Just a thought... not everyone can work and go to school full time. Some people have disabilities, mental health issues, learning disorders, neurodevelopmental disorders such as ADHD, like me for example. I wasn't diagnosed, I got no help, I struggled A LOT in school. I couldn't it without loans because I couldn't work at the same time because school is tough enough. My parents were poor. There was no college fund. I had to do it somehow, so I did it with loans. I'm lucky enough to be in Canada so our student loans are not crazy like in the USA but still.
*well if stopping doesn't work* one can realize they're a victim of their own mentality, and therefore take accountability, the legit & real external factors beyond one's control notwithstanding. 💪
Hi Dave, I installed an app to listen to you.I quit listening for a while and out of practice, I'm baaack lol congrats.Take care and thanks.
Go to any poor parts of the country and talk to its citizens. This is their mentality, it’s everybody else’s fault, not mine. Go to a college university and get the college experience while dorming up there, BUT that will cost you $$$ you will be paying off for quite some time
m ph true
_I loved his Whiner impression!_ 🤣
When I was 18 I already had a victim mentality.
I lived in the country where there was no jobs.
I was a high school drop out.
I had no friends in high places
I was not out going.
Then my parents sent me to my brothers house half way across the USA.
I thought for a vacation. Seriously.
The first day I arrived my brother made me fill out 15 job apps. Next day same thing.
No more victim mentality. LoL.
I loved this rant Dave! This really can apply to all of us just not going to college! Important to have a positive state of mind/attitude!
Fantastic advice, dave. This is why I dropped out of university, and eventually went to community college to get more credit hours. Left CC debt free, and I’m going back to uni next year. Nowadays, I pay my tuition cash only. I haven’t used a student loan in 10 years.
With the blessing of accessible information at the tip of our fingers, RUclips videos for Ramsey advice, living in the USA, there’s absolutely zero reason why anyone can’t succeed. Being born broke is not your fault, dying broke is 100% your fault!
It's not always a matter of a passive "no one told me". In fact, the opposite happened to me. I graduated high school in 2005.. and my parents and counselors all pushed me to go to college and take out student loans. I actually felt DEFIANT and like the black sheep for deciding not to continue to go to college after a year when I realized I was unsure of the path, but my parents were really unsettled about how I wasn't staying in school which would rack up more debt. I actually felt tons of shame for stopping school. A lot of kids would probably just stay in and keep racking up more debt. Now I feel like I made out for the better without tons of student loans, considering all my co-workers have major loans but we didn't need the degree for our job!
He’s so right I got a free degree just by what he’s saying 🤣
It’s because it’s easy playing the victim. People don’t wanna put in the work that it takes to be successful.
Everyone in the world needs to see this video, it’s ok if it gets you angry. Harness that anger!
Hey Dave, enjoy your show. My gas dryer broke while I'm accumulating my emergency fund. I'm only 1.4k off from my goal. I have a clothes lines that just needs rope. Would you teach to use that until I have the emergency fund built then fix the dryer? No debt except for my mortgage. Thanks!
I hear there was a time when NO ONE had a dryer- everyone just hung clothes up to dry. How did they survive?
1:15 _I'm gonna have to put you to WORK_
Whoa whoa whoa! At least issue some trigger warnings, man, before coming in with the strong language-"work"- *_*PTSD twitches*_* ( o.o)''
W O R K 👌
Lo, these cry babies don't have PTSD, they are just rotten. I on the other another hand as combat veteran really do have PTSD but no damm students loans and almost no debt. People have to work and stop following the Joneses.
I love Dave. No nonsense 😁
Welfare society Hurts and Disabled more people than The Great Depression. SSI and Section 8; Really. Single, no kids and you still get Welfare. I’m over it🤦🏻♀️
So true preach it !!! :)
Professional victimhood is taught. Parents and schools allowing zero accountability and no penalty has a cost.
I was homeless 35 years ago. Zero student loans for me. All college was paid with cash flow. Luck has nothing to do with my wealth now. It was all excuses free hard work, sacrifice, and absolute focus. Victimhood is self imposed and i have no tolerance for it.
Poor people are able to get Pell Grant. It covers a good portion of the tuition cost of local colleges. Plus some scholarships here and there or working, and College is covered. I agree with Dave. Don’t be a victim!
Just thinking about all this makes me want to go to a closet and hide.
what was the inspiration for that comment? was it something that you felt like doing or that you saw someone do and use that to sound funny?
Stop the loans and end victimhood
But Dave, it's impossible to get ahead no matter what! 😥
Being poor is a lack of money NOT a lack of character.
Skeet Fletcher it’s both mentality is key as well
It can be a lack of both.
If you make little money but know how to use it. Your better off than most.
thank you
you are amazing truly and truthful
😂😂 at Dave Ramsay's whining voice
Learned helplessness. Blame the useless parents. You've got to leave them behind to get ahead.
for anyone who wants to fully realize their life and find meaning, one of the best things you can do is adopt responsibility. I found that those who embrace responsibility do far better in life than those who find others to blame for everything.
You know, Dave is right. How I found out I needed to get out a Deby was realizing that I put myself in debt. I had a victim mentality. Thank God he was straight up because I'm sure a lot of people wanted to say that to me but never did. His words really need to go farther then they do.
Love it! I don't classify people by anything other than Victim status. And the sad reality is that most people are victims.
Love when Dave gets all worked up 🤣🤣
Starting to think Dave owns a McDonald’s franchise....
The only person putting you down is YOU!
Victim mentality is incentivized. Basic economics.
I see Dave got that Pebble Beach jacket on.. fooore riiiight!!🏌🏼♂️🏌️🏌🏼♂️
Omg, love this video
I make 70,000 a year and I have a GED
What do u do for. Living?
Brian Waller I agree with you 1000%
Brian Waller sounds like you should stop complaining and get another job...
One of his best shows!
I lean left on most things, but man, dave has it 100% correct on student loans.
lol love these rants
ya got that right Dave Success = hard work ..!
You’re as much of a victim as you allow yourself to be. Life is tough. You gotta show some grit.
I wish Dave would make exceptions for people going into health professions or medical school. No one has 300k for graduate level education so loans are necessary. Either that or a military or community health service scholarship.
Just remember, when you point the finger of blame towards someone else, there are 3 fingers and a thumb pointing back at you !
There are people who are taken advantage of. The rich ppl in the West let the slaves in other countries make their food and clothes for almost nothing. Those rich jerks who buy all these apartments and let the cleaners work for almost nothing. Let everything become filthy cause noone wants to clean anymore? No lets take advantage of these ppl who will always just be there. If the farmers quit all these rich ppl can't even eat anymore. Their dollar bills maybe. In WWII the only ones who had food were the poor farmers. Not the poor farmers in India. Their food was stolen to fund WWII.
Dave is explaining the foundation of CBT.
good advice
I worked through college, took me 5 years and I graduated with 0 debt, my parents helped, but I worked a full time job all that time, went to junior college then local senior college. Wasn't easy but I made it through working hard.
Agreed! Anyone who’s seen some for of success, and not just money related, don’t have a “loser mentality.”
I went to college with no loan, just financial aid
Dave imitating victimhood is hilarious
🤣😂 I cannot
Anybody else agrees with me? Dave reminds me of my grandpa when he does the voices 😂😂
I love these rants 😂😂😂
Yes and no. We need to take personal responsibility, HOWEVER we are living in the environment. Particular environment. This environment is TEACHING us some stuff or NOT. If I would KNOW what Dave is teaching 15 years ago, I would be WAAAY better financially right now. So, YES and NO. BTW. Congress is elected by people, so it is as smart as people who elected THEM.
Mole wish I found Dave in my twenties 👍❤️
I agree with the personal accountability argument, however it’s not correct to gloss over how much the cost of living has increased vs wages. However you slice it it is objectively harder to “make it” today than it’s ever been.
Dave! I'm in debt I make ok money, I'm going back to school to work towards a better profession and I'm trying to get out of debt! Just got a pizza delivery job lol
Hard work doesn't get you ahead when they can simply jack the prices up.
I showed my sister this and she said dave was too mean in the way he says this? I hope she really listens to this man because shes 30 and I won't put her info out there but I'm currently on baby step two !
i went through ba, masters debt free bcuz i went to a school my veterans benefits applied to. not my dream school but it paid off
What would Dave say about someone who has learning disabilities and would really struggle to do both school and work at the same time
Nicolette Carpenter
Don’t need to say anything.
BlackWorldTraveler if this person were to ask for his advice? Knowing that his traditional approach would not work for them?
Nicolette Carpenter
Won’t need to ask.
Figure out what works best for him from other sources instead of a phone call to a stranger on RUclips.
Having a learning disability doesn’t mean he/she is stupid and lazy.
BlackWorldTraveler I was talking about myself I’m far from stupid or lazy, I just know that juggling both is not something I am able to do
College isn't absolutely necessary to get ahead. Not every job requires a degree. That being said, if you're set on doing school but you're really sure that you can't do both at the same time (even through online classes?), you could try to save enough money to cover living expenses and tuition.
TOO FUNNY! Anymore I love to just watch people be dumb...it's their business and not mine to be the victim. It's like Dr. Phil always says - hows that working for you?? (YOUR MESSED UP MENTALITY)
Love Dave Rants.. 😂👍🏻
Americans have so much that they to find things to complain about
You said a little bit, but still ended up saying nothing.
😁😁😁😁😁😁 Dave can be so funny sometimes!!! 😁😁😁😁😁😁
Dave, I agree, BUT... Is there something we could be doing to help incite the 20s and 30s age group of people to stand up and grow up instead of mocking them? I'm afraid that mocking them is only appealing to those of us who already share your mindset and not those who need to hear your message more than anything.
I agree with your point but that is what he is doing. With that book and that podcast, he makes it clear that it is not 100% on the students who took out those loans. He blames Congress, parents who didn't think, scammy companies and banks that profit off of these students and the lack of counsel that is provided in high schools. He is just saying, in the face of that information, people are STILL saying "ohh noo you have to be rich to get out of college debt-free".
Mr Dave is a funny Guy.
Love it Dave Your Spirit Animal is Eore..! 😄😄😄
“Wambulance” lol
Also "Cry a river, build a bridge & get over it"
More like "Wah-h-h-h-mbulance."
Ramsey just gets me
Loved this video haha
Nowadays you get out of respnsibility by being a victim. Worst is to see a grown man act like, thats why you are single.
*cough* WGU costs $3,500 for 6 month term. You can major in a practical degree for a few grand a year and graduate quicker than a traditional school.
Go get em Dave! Love it! So many ways to get a debt free degree...wish I was smart enough to put it the book...i got my bachelors, masters and my kids on his way to his bachelors all for FREE!!!!
3:11 says it all....3:23 exactly what they are doing!!!
When it comes to money, American's are their own worst enemy, always have been.
Work for a company that provides tuition assistance and go to school at night - debt-free.
"But the government should pay for me to get a degree in gender studies. And they should pay for my reassignment surgery. "
😂😂😂😂
V Steed shut up
@@zacharybohlman4069 don't be a bigot