Papa Dave saying what needs to be said respectfully. “You need a sense of control to move into your new self, dontcha?” Man I needed that too. Used to be an alcoholic who would try most any drug offered to me. Now, I’m a mom & wife so excited about the baby steps I wrote them on post it notes for my desk & my husband’s work truck. Then in church I was like, 💡’wait am I being controlling? Because this is all in God’s hands, not mine.’ Such a freeing feeling. If this comment resonates with anyone else, keep listening to The Ramsey show. God bless you Dave.💙
Lost my little brother to an OD and this call just put a huge smile on my face. Love hearing stories of people overcoming addictions and being open about it. That’s awesome! Doing this debt free journey will only bring even more freedom & peace to your life. Look forward to seeing the debt free scream!
The baby steps to getting to the baby steps was a great approach here. I do think the emotional Triumph of paying off those couple of debts and realizing there was no negative to that will carry him forward.
Saving is not so easy especially when you always have needs for money, best to multiply your incomes via investments. I believe the need for creating multiple sources of incomes cannot be overstated
Fact, even if you were so unlucky(and unskilled) to invest at the top of stock cycles, you would still be better off than someone who just held onto savings in the long run….
Hi Wendy. I’m a deadset beginner hoping to invest and believe me when I say I’ve tried time and times but trading stocks is just overwhelming, so what then do you call a working strategy or have you got pointers that could help in profitable investments?
I started investing in stocks and ETFs since November for trials before deciding to take it up a notch wasn’t profitable enough. This far I’m now able to 4x my capital in less than 9months, scaling from $150k - $600k+, and I did get a pro advisor for supervision and accountability as recommended by a financial RUclipsr
"I want you to get the high...oh, that's a bad choice of words." 😂 What a wonderful young man. One of my favourite callers. I truly hope he continues to do well.
I'm glad u broke the addiction not easy to beat it. I'm glad u change ur life around. I think he dealing with fear rightfully so we all face it rather we admit it or not. I'm glad he called Dave Ramsey show and they help him.
We are living in unusual times. What happens if his rent goes up a lot? Mine went up $300 a month. His income is not regular. This is not a steady income. He is afraid because he knows this. Dave did not take into account that this is not a salary income. Dave doesn’t feel it in his gut anymore. I’m self employed, and I would worry about this guy if he follows Dave’s advice. Emergency funds are very important now. Inflation is not going away soon.
See, here’s a call with an actually helpful outcome. The two small problems can be made to go away with only a fraction of his cash. The car can be reconfigured due to his circumstances to make things easier overall at a very low cash cost. Now he has good cash savings left and is left with just the student debt, which is a long term issue that deserves a long term plan, not a panic move,
Congratulations on doing so well, it takes huge amounts of strength to do what he has done and is doing now. This guy is going to be a success story and will be able to help others in the future! He has kicked a habit that sadly not many people do. His fear and doubts will disappear when he pays off that first debt and will turn into determination and self empowerment and he will never look back! God bless this guy!
Chase, we too are struggling with the "terror of being broke". Although our tribulations are very different, you spoke for hubby and I with this call. WE DON'T WANT TO GO BACK TO BEING BROKE. Thank you so much for this call, and Bless you.
Honestly, if having a larger cushion makes him feel safe, it’s not a bad use of savings. Same reason I have like a year’s supply of rice in my kitchen and garage and basement.
The safety is an illusion though when he got debts with interest on them. It's purely based on feelings. The extra rice you have is not an illusion. It's real safety.
@@michaelb.8953 say hello to the lettuce I never eat but always buy. Lol. Seriously though, the psychology there beats fiscal reality. A feeling of security is worth 10% a year to some.
I like how Dave stuck with what his plan is, but also recognized this man’s real fears. And this guy’s gonna make it. He’s got the plan, he’s doing well! I hope he’s living debt free now.
Your sobriety is the most freedom you will ever experience. It is also the most difficult problem life will throw at you. If you can conquer your addictions and fight them off every day, getting out of debt will be a drop in the bucket. Take a deep breath, realize that God didn’t bring you through the brink of death in your addiction…. Just to lose you to debt. You got this!
I'm very proud of you for beating the odds Chase!! May God bless you always with strength, courage, even more resilience and a healthier, happier life and inner peace because YOU are WORTHY of this life!!🥰🙏🏼🙏🏼
I completely agree! We're keeping $5000 in our emergency fund at all times while we pay off our last debt which is 80k student loan. It's our only debt. We're going hard at it but keeping 5k in savings to be safe
Yes it’s scary to use the savings to pay our debts but it’s because we are so use to having debts that now it’s our norm but that doesn’t have to be our forever reality. Las week I paid half of all my debts and my heart was happy and it felt free… following a budget and changing my mindset towards money and what’s really important has really change my mind! And of course listening to the show every morning 🙏🏽 don’t give up
This is such great advice! Dave Ramsey's philosophy is so inspirational and so true (because it has its basis in the Bible!!) I exactly feel so empowered by doing the baby steps!! 🎉🎉😊
I would've challenged him to move 1000 of that 15000 into a separate account, pay off the 4200, and get the balance on the car below 19000 that day. Then he would've had like 7000 bucks and you could just say "hey man, that is your car budget to give yourself a raise of whatever your car payment is every single month. That could knock out those student loans pretty quick!"
It puts more in my pocket to keep my student loan and put more money toward investments due to this interest freeze, the small size of the loan, my monthly budget, and the possibility of it being cancelled. I can spare 20% in interest before paying it off it in full so that just makes sense to me🤷♂️ most ppl would’ve recommended that I wait until after college to invest as well but that was one of the most beneficial decisions that I’ve made.
Hey Chase, I hope you are wekk on the way to being debt free. Best wishes from a rather grey, cold and mizogs England. Oh, ps, I'm looking forward to some bright AZ weather soon.....cannot wait to get back to beautiful America.
![Coheed and Cambria - Searching for Tomorrow [Official Video]](http://i.ytimg.com/vi/hDsYGLbmadg/mqdefault.jpg)
“You got me excited” put a huge smile on my face! You got this bro!
I'm so happy for him. Congrats on sobriety
Dave: "I'm very proud of you"
Everybody Listen: Yeah so are we buddy. GREAT JOB!!
100 percent.
👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽
Papa Dave saying what needs to be said respectfully. “You need a sense of control to move into your new self, dontcha?”
Man I needed that too. Used to be an alcoholic who would try most any drug offered to me. Now, I’m a mom & wife so excited about the baby steps I wrote them on post it notes for my desk & my husband’s work truck. Then in church I was like, 💡’wait am I being controlling? Because this is all in God’s hands, not mine.’
Such a freeing feeling. If this comment resonates with anyone else, keep listening to The Ramsey show. God bless you Dave.💙
I really appreciate the supportive and gentle approach the team took with this one
Debt grows in interest more than savings.
Sure you can pay off the debt a bit sooner but you also lose out on the future value of that money. Depends what your long term goals are anyway.
@@flch95 what value of money? You lose value of money everyday due to inflation. $1000 a month ago doesnt buy the same things now.
@@ykciR the value of money doesnt fall that quick … what you can buy a month ago for $1000 you can still buy today
@@nyzflyyguy gas, groceries, diners, shipping cost more. I can go on lol
@@ykciR thought I heard in the news that gas went down
Lost my little brother to an OD and this call just put a huge smile on my face. Love hearing stories of people overcoming addictions and being open about it. That’s awesome! Doing this debt free journey will only bring even more freedom & peace to your life. Look forward to seeing the debt free scream!
So happy for him. Nothing feels better in life than beating a bad addiction.
The baby steps to getting to the baby steps was a great approach here. I do think the emotional Triumph of paying off those couple of debts and realizing there was no negative to that will carry him forward.
I'm dealing with something similar with a family member, addicted to gambling... this it, this the way.
Saving is not so easy especially when you always have needs for money, best to multiply your incomes via investments. I believe the need for creating multiple sources of incomes cannot be overstated
Fact, even if you were so unlucky(and unskilled) to invest at the top of stock cycles, you would still be better off than someone who just held onto savings in the long run….
Hi Wendy. I’m a deadset beginner hoping to invest and believe me when I say I’ve tried time and times but trading stocks is just overwhelming, so what then do you call a working strategy or have you got pointers that could help in profitable investments?
In a rather much complex sector as that of stocks, understanding sooner that absolutely nothing can be compared to experience and expertise the better
I started investing in stocks and ETFs since November for trials before deciding to take it up a notch wasn’t profitable enough. This far I’m now able to 4x my capital in less than 9months, scaling from $150k - $600k+, and I did get a pro advisor for supervision and accountability as recommended by a financial RUclipsr
@@wendylistings3234 That’s a reasonable sum you’ve made! I’d also like to get on this, can you by chance name your IA? How do I reach him?
"I want you to get the high...oh, that's a bad choice of words." 😂 What a wonderful young man. One of my favourite callers. I truly hope he continues to do well.
Breaking one of the hardest addictions and working one of the toughest jobs, props to this guy!
Congratulations on staying sober. Best wishes to the Chase.
That war between logic and peace of mind! You know what you need to do but it’s not that easy
What a fantastic story, Chase! I am proud of you overcoming that addiction and now you called in to change your financial freedom!!
This is only Dave Ramsey Show i've teared up on. So proud of this young man! 🙏
I'm glad u broke the addiction not easy to beat it. I'm glad u change ur life around. I think he dealing with fear rightfully so we all face it rather we admit it or not. I'm glad he called Dave Ramsey show and they help him.
🎆Shout out to Chase🎆 kicking the addiction AND getting serious and creative in paying down his debts! 😁
Dave was addicted too
Congratulations chase. In getting clean you did something significantly more difficult than becoming debt free. Awesome story.
We are living in unusual times. What happens if his rent goes up a lot? Mine went up $300 a month. His income is not regular. This is not a steady income. He is afraid because he knows this. Dave did not take into account that this is not a salary income. Dave doesn’t feel it in his gut anymore. I’m self employed, and I would worry about this guy if he follows Dave’s advice. Emergency funds are very important now. Inflation is not going away soon.
I think even if the income isn't regular... having no debt is still an even better position if that income lowers later? Just my thoughts
See, here’s a call with an actually helpful outcome. The two small problems can be made to go away with only a fraction of his cash. The car can be reconfigured due to his circumstances to make things easier overall at a very low cash cost. Now he has good cash savings left and is left with just the student debt, which is a long term issue that deserves a long term plan, not a panic move,
You are so smart. Why aren't you a DR.
@@clarifyingquestions m no v y CEW r use saw wsss e see X gr cg cat guy b h by Dr. t Dr. Tf g h iin
I was terrified to use my savings for debt so I didn't. It took me longer but I'm out now and still have my savings.
Congratulations
Good job tonya. Sometimes a piece of mind is better than logic and math
That’s my battle, I’d rather have something more in my savings account than to depend on $1,000.
@@JustINformUdefine better?
@@soonermagic24 meaning you still have cash to feed your kids and keep lights on despite having debt.
Good for him! We're all rooting for you!
Best call ever! I hope we do hear his debt free scream and later his story of becoming a millionaire.
“You got me excited!” Love it❤️ what a feeling to have
Clearing That Debt Sets You Free!!!
God bless him. That’s awesome. He stopped addiction and he will get out of debt. Jesus name !
this is the best one i have ever heard so far , the power of man being a man , and the smartest advice
Wow - what a great guy. Would love to hear a follow up with him in a year - or for him to give advice to others.
Congratulations on doing so well, it takes huge amounts of strength to do what he has done and is doing now. This guy is going to be a success story and will be able to help others in the future! He has kicked a habit that sadly not many people do. His fear and doubts will disappear when he pays off that first debt and will turn into determination and self empowerment and he will never look back! God bless this guy!
Chase, we too are struggling with the "terror of being broke". Although our tribulations are very different, you spoke for hubby and I with this call. WE DON'T WANT TO GO BACK TO BEING BROKE. Thank you so much for this call, and Bless you.
This is a great call!
So proud of Chase changing the man in the mirror
We are all rooting for Chase. Very likeable and he’s done something amazing already.
Pappa Dave, I love you, THANK YOU for your experience, integrity, and kindness‼🙌💜
Honestly, if having a larger cushion makes him feel safe, it’s not a bad use of savings. Same reason I have like a year’s supply of rice in my kitchen and garage and basement.
The safety is an illusion though when he got debts with interest on them. It's purely based on feelings. The extra rice you have is not an illusion. It's real safety.
I would bet if you were losing at least 10% of that rice into thin air every year you would be thinking differently about that rice.
@@michaelb.8953 say hello to the lettuce I never eat but always buy. Lol.
Seriously though, the psychology there beats fiscal reality. A feeling of security is worth 10% a year to some.
@@Luffa187 human beings are complicated. It is what it is.
Agreed.
Good for you, Chase!! 😊 🙏 🤗
Great advice, Dave!
He's never this nice to people from California, he must be in a good mood
I have a financial famine mindset too. No vices though. I grew up poor and I'm never going back.
“A bad choice of words” hahaha 🤣
😂😂😂
Love his empathy
I am thankful for him. But also congratulations on everyone who has never been addicted to anything and making good decisions on a daily basis
I know this is an old video but I am getting pumped just thinking about this dude getting on track again
Congrats to you Chase! Drugs are such a plaque on society. Such a waste of a life not to get sober
I like how Dave stuck with what his plan is, but also recognized this man’s real fears.
And this guy’s gonna make it. He’s got the plan, he’s doing well! I hope he’s living debt free now.
Aw I love it when he said you got me excited. This man is changing his life!
I freaking love Dave. This was so wise and amazing.
I used a settlement I received to pay off debts that I had. Best decision I ever made!
Your sobriety is the most freedom you will ever experience. It is also the most difficult problem life will throw at you. If you can conquer your addictions and fight them off every day, getting out of debt will be a drop in the bucket. Take a deep breath, realize that God didn’t bring you through the brink of death in your addiction…. Just to lose you to debt. You got this!
Proud of you BUDDY! NEVER LOOK BACK!
Amazing advice, Dave.
Proud of the caller! 👍
So happy for him for kicking his addiction...
I'm very proud of you for beating the odds Chase!! May God bless you always with strength, courage, even more resilience and a healthier, happier life and inner peace because YOU are WORTHY of this life!!🥰🙏🏼🙏🏼
This is why i love Dave!!! Bet of luck mate
Another likable caller. Good luck to that man.
Anyone who doubts Dave's character should just listen to clips like this.
Don't go less than 5-10k in your savings. Not during these times. Special needs families and anyone during recessions needs more than 1k.
I completely agree! We're keeping $5000 in our emergency fund at all times while we pay off our last debt which is 80k student loan. It's our only debt. We're going hard at it but keeping 5k in savings to be safe
Making 90k yearly it should be easy puzzle to pay off his debt. His biggest enemy is the drugs and hopefully he stay clean and never look back.
Congrats Chase, you have no idea how many people you have inspired!
Yes it’s scary to use the savings to pay our debts but it’s because we are so use to having debts that now it’s our norm but that doesn’t have to be our forever reality. Las week I paid half of all my debts and my heart was happy and it felt free… following a budget and changing my mindset towards money and what’s really important has really change my mind! And of course listening to the show every morning 🙏🏽 don’t give up
Bien por tí… felicitaciones. Keep up the gpod work.
Congratulations! What a great feeling!!
I feel like having an emergency savings as a single mother is important. I also have that fear to use that to pay debt.
good luck Chase!! you got this. Can't wait to see your debt scream!! What a story you will tell
I’d be more afraid of living in LA. He’s probably paying like $2k a month in rent.
Sir
When you call in, you are NOT expected to talk
5:14 I want you to get the high- no that's a bad use of words 😭😭💀
Get Chase back on the home when he’s out of debt. What an inspiration!!!! ❤
This is such great advice! Dave Ramsey's philosophy is so inspirational and so true (because it has its basis in the Bible!!) I exactly feel so empowered by doing the baby steps!! 🎉🎉😊
God Bless that man way to go !
You got this man! Keep it up 👍🏽
Excellent!!! So proud of him. God bless him.
Praying for you Chase🙏🏾You got this💪🏾
I got a very very very very small small 401k and im 48 switching jobs in a week. should I close it and throw it all on my very veryhigh debt?
Congrats bro 🎈🍾🎊
Genuinely happy for this guy
I love you Chase, you are an inspiration; I will pray that you stay righteous! 👍
Why take on debt when you have cash?
Personal finance is personal. $2000 is barely an emergency fund. He’s better off keeping it
GOOD FOR YOU CHASE! You got this!
Brother, you are Great, keep this up, don't go back. Blessings for kicking the habit !!!
I would've challenged him to move 1000 of that 15000 into a separate account, pay off the 4200, and get the balance on the car below 19000 that day. Then he would've had like 7000 bucks and you could just say "hey man, that is your car budget to give yourself a raise of whatever your car payment is every single month. That could knock out those student loans pretty quick!"
Very encouraging call
God bless you Chase. I pray you stay on this path brother!
This guy is AWESOME! Go Chase!!
It puts more in my pocket to keep my student loan and put more money toward investments due to this interest freeze, the small size of the loan, my monthly budget, and the possibility of it being cancelled.
I can spare 20% in interest before paying it off it in full so that just makes sense to me🤷♂️ most ppl would’ve recommended that I wait until after college to invest as well but that was one of the most beneficial decisions that I’ve made.
Way to go Chase! You've done so amazing already, keep going!
“I want you to get the ‘high’…” *inserts foot in mouth* 🥴😅
I love the short term plan, you guys rock. thank you.
Good advise and encouragement, nice thing to do.
Man I'm wishing chase success.
One prescription doesn't fit all every case is different.
I took my entire 20k savings and paid off my student loans after hearing this
So proud! You got this 🙌🏽🙌🏽🙌🏽🙌🏽
I love Dave’s modified advice.
Ramsey channeling his inner Deloney
He only has to fear losing himself
every time I want to make a stupid financial decision I just listen to Dave a little bit and realize I'm broke and should rather wait
Chad should start a RUclips channel!!! This is what drug addicted Americans need!!!!!!
**Chase not Chad
So proud of this guy 😎
The irony in Dave using the word high 😅😂
Wow that was an awesome call
Chase loves that Heisenberg
Hey Chase, I hope you are wekk on the way to being debt free. Best wishes from a rather grey, cold and mizogs England. Oh, ps, I'm looking forward to some bright AZ weather soon.....cannot wait to get back to beautiful America.