THIS Is How To Fix Your Life! - Dave Ramsey Rant
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- Опубликовано: 29 авг 2024
- THIS Is How To Fix Your Life! - Dave Ramsey Rant
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If David Ramsey right about one thing; he is right about this: GET OUT OF DEBT ANY LEGAL WAY YOU CAN.
Illegal too!
David essentially says that you should not get into debt in the first place (apart from a 15 year mortgage). And no, no student debt or car debt either. That's a hard pill to swallow for the American "Keeping up with the Jones" family. The snowflakes coming out of high school haven't figured that out either as yet. The "I need to have a new car to drive to College because I deserve it when I graduate from high school" are as disillusioned as ever. This week my Fall semester started (I work in academia) and boy, do I see fancy cars on the parking lot. And that's not the faculty parking lot I am talking about...
@@Jonathan-du8fs you need to repent of that mindset
@@mathisnotforthefaintofheart It is fantastic advice.
Even thing you do is unlegal look at Dave.
It's 90% mental and 10% numbers. If you don't fix the inside you don't fix the outside.
People often attempt to change things outside themselves (such as their income or business) without changing what’s going on inside.
That approach never works. To re-make your life, you must build a new self-image. As soon as you start to alter the image, everything outside will begin to change. Happy Monday!
It's 90% mental and 10% numbers. If you don't fix the inside you don't fix the outside.
@@eckankar7756 absolutely correct.
@@eckankar7756 Indeed.
YES
@@waterheaterservices 👍🏾
"Expectations is where resentment grows", I heard that recently and liked it. Currently reading the book Boundaries by Henry Cloud, it has so many aspects of changing expectations, seeing the world from another perspective that it is amazing. Much like Rabi Lapin's book thou Shall prosper. To see the world through these different lenses has brought such peace into my life, that is how I fixed my life - mind you it is a work in progress. Hope to keep growing in knowledge and God's ways
"Boundaries" is a great book!!
Amen.
Yes! Dr Cloud taught me Boundaries ten years ago! Changed my life! I’m 63 now so it took me until I was 53 to learn about boundaries and how to say “No!” Boundaries should be taught in middle school. FYI, Dr Cloud has a RUclips channel. Happy day!
That splinter analogy is great
Throwing stuff at it and causing a holy ruckus, things will get out of your way!
Dude thats what I needed to hear thanks dave!
I definitely needed to hear that as well.
This show never gets old I listen to this like everyday and never get tired of the calls and advice. 👌😇
lol wat actually
Become a Tasmanian Devil. I like that. We are in control to change our lives always. Great message. 🙌🏾
Gotta love a good ol' Dave Rant! A bit surprised he didn't question the household income since they have a $29k vehicle loan.
Well, I think that their being so far advanced in paying off debt helped him focus on the question.
@1:18 caller makes a very sweet mention of the "vee-hickle"
Yeah I caught that too lol Dave is rubbing off on her.
@@MichaelAnderson-wk1no lol...yes, the callers first "vee-hickle" drop at @0:50 didn't quite have the Papa Dave touch so she ramped it up a notch on the second one.
Lol I'M SPLINTER FREE!!!!
I'm a little terrified. All our plans are halted thanks to my health. Pancreas stone removed that end up causing pancreatitis. I feel worthless in an aspect of being able to help my husband. Very horrible and painful condition.
I'm sorry you all have to endure this right now. Rooting for you, your comfort and peace.
I hope you guys can get through it
Sorry to hear that. Get plenty of rest. You are worth something.
Feel better soon. Medical bills can be scary and tiring, but you probably willl make it in the end. Good luck!
when 'RANT' is in the title, you're in a for a ride!
"I'm splinter freeeeeeeeeeee!!!"
The rants are the best part of the show by far, instant classic.
Fix your life CASEY THE SPAMMER!
6:56 Her confused look when he mentions “Rudy or Rocky” at the end. 😂😂😂
"Kiss my math" 🤣
I am just tired Ramsey i just cant. Life is so difficult these days.
The heavens are not blind to your pain. Hang in there buddy.
It is sometimes good to just aspire to your goals..Ease up! It is perfect that you keep in touch with the Ramsey Solution group and lean toward their teachings as best you can.
I felt the same way a couple months ago and started to read the Bible and prayed a lot. God is answering prayers but not exactly how I envisioned them to be. Watch The Chosen on RUclips and it will show you how Jesus is ❤️❤️
“The poor and the middle class work for money. The rich have money work for them.”
Correction: Rich people work for money, Wealthy people's money works for them!
This caller really needs to talk to their tax advisor before taking Ramsey's "I'd sell it today" advice. Dave shoots from the hip and sometimes gives advice that costs the caller thousands in unnecessary taxes. Was the stock award a restricted stock award (RSA), restricted stock unit (RSU), nonqualified stock option (NQSO), or incentive stock option (ISO). There are tax nuances associated with each that the caller needs to be aware of before they decide to sell. Also, is there a vesting period associated with this stock? If so, they may not be able to sell until a certain period of time has elapsed.
Good question!
Momentum supercedes the math.
All about choices.
LOL! Most people don’t have a tax advisor or an accountant, especially those calling into this show. The tax angle is important to consider though.
This was my exact thought when listening to his advice.
Locus of Control - Thank you for sharing that term. I've never heard of it, but I've observed this behavior. THANK YOU for sharing a term to address a reality I am sure all of us have observed. Some people believe they can create a reality, others believe they inherit the reality they feel they have been given.
@5:00 Papa Dave does a hysterical impression of a human Tasmanian Devil or Sam Kinison
lol. I got a Sam Kinison vibe from that yell.
I bet that hurt Christie's ears. It would have been funny to see her reaction.
$29k car debt left. I can pay $23k towards. Then sell that car for $22k (guessing it's upsidedown) or whatever it's worth pay off the $6k difference. Go buy a $16k car. See it just depends how committed you really are you could be debt free at the end of the week it's all about how bad you really want it.
The problem is when you are CONSISTENTLY trying to succeed and are getting BLOCKED ! How many times do I need to relocate ? How many jobs do I have to apply to ? How long are the CRIMES going to be covered up and covered over ? How long is the GASLIGHTING, financial and psychological abuse going to go on for ?
On another note, I hope that Rebecca is able to remove the debt from her life !! I have been trying for years, and just when you think you are almost clear...there is a light, something else happens !
Good luck to her !!
love this channel. a lot.
Lol “kiss my math”
Christy has the most beautiful eyes I’ve ever seen.
I agree. Beautiful eyes.
I feel the same way about lupita nyong'o
Agreed!
Christy's eyes are beautiful, such bright and intense color. It really stands out.
You have not seen my cats chocolate starfish
If I am the caller, if you done your DD. I would continue to paid monthly payment and see where the stock goes and any extra money attack the debt. I would hold on to stocks until it reach a price point you happy with. It's in investment especially if you have one debt left. Just me I guess
You get out of debt because of a mindset change not a money change
Needed to hear this about stocks
Nothing like a good ole Ramsey rant on a Monday
Waiting for something to *maybe* go up is gambling.
That single stock would have to go up an additional 23% from its price now. Take profits before there is a pull back.
5:00 this should be on the top 10 metal screams of history
No guarantee on stocks going up. Could go down then you wait for it to go back up then it goes down again. That's the sucky part about stocks. Could go up or down.
Same thing was said to me.
Ignored the person because he like many always think short term.
When I started investing the Dow was 1200 and NASDAQ/S&P was under 200.
Glad I didn’t listen and think on my own long term.
I sold $25k in private stock in 2019 which started my journey to being debt free, was $49k deep.
Well that stock is now probably worth $50k... so really you just cost yourself a bunch of money.
@@Kevin-cf8uu that is an empty assumption without knowing any details of the stock. If I would of held it would of grew $9.8k, but I would prefer to be debt free than to have stock and still be in debt paying interest. That is my priority
Christie off-topic but I love the blouse that you're wearing
Awesome post Dave!
Lol that son is funny.
Christy looking FINE today
She always fine.
He got it backwards. "Take the bull by the proverbial horns." In my experience it's more like taking the bull by the tail!
$MSFT stock
Great lesson
"" A bird in the hand ""
Am I the only one who thinks she has the most beautiful eyes I've ever seen?
I wanted to hear why this woman has a $29K car loan. Seems excessive for an ardent Ramsey follower!
Average New Vehicles go for 25-50k now
Any signs i should look for when I'm trying to rent a house when is online?
I wouldn't sell stock that was gifted. In the long term it's better to have the stock. Just save money/cut expenses to pay off a car. Honestly paying off a low interest car loan early doesn't make a ton of sense because the car is a depreciating asset. If you put $30k to pay off a car loan that only costs $2k to finance it really you're only saving $2k. But that $30k is immediately worth less as soon as you throw it all into a car.
Personally, I don't' see the problem with keeping the stocks if they can afford the car Ye. She could possibly have a 401(k) (matching contribution) deal with the company. In my view a long term 401(k) plan---with 200 free shares---is more valuable to me than a car loan that can possibly be paid off in a few years. Yes I know: pay off loans ASAP, however: getting 200 free shares of stock is significant. I'd want to hold onto that for many years---especially if it's part of a tax-deferred retirement plan.
Totally off topic but that is a pretty shirt she wearing
“If you were doing it by the math we wouldn’t be here today”
I have a question in this life on earth Pay debt it’s about everything? And i hope if you reading this
Judge this in many perspectives.
Then she mentions it is AMC stocks...
Something says she's going to wait to sell the stock.
I love Dave, but while watching this video I have bought small amounts of single stocks and crytpocurrancies, with the goal of cashing out when it's enough to pay off all my debts. I am paying extra on my smallest debt, but not following the baby steps verbatim. I dollar cost average $100/week into a few differnt stocks and crptos. Like Warren Buffett says, act like you only have 20 different investment choices you can make in your entire life. Research like your life depends on it.
What Buffett said has nothing to do with short term and cashing out.
@@blackworldtraveler3711 fair point, I guess I just take what I feel works from differnt philosophies of investing and apply them to my life as I see fit.
I’m telling y’all that Christy 👍🏽
If you were able to govern your financial behavior based on math, you wouldn't be here. I was overweight and had a heart attack. In the hospital, a dietician advised me that I could still eat what I want, in moderation. I told her, "If I could do moderation, I wouldn't be here."
Glad to hear you recovered from a heart attack. But no, you need to monitor what you eat with a rod of iron. Good luck on your recovery!
I have $100K sitting in savings. Any suggestions on investments?
Congrats on being able to save that amount.
Learn and figure things out on your own.
Buy a property and rent it.
@@kribbeck8547
You must have slept the past 18 months and still dreaming.
@@SeanBaker thanks
inb4 Ramsey tells us all to sell our cars.
In all fairness, his advice this time was worse than that.
Christy look like Dave's daughter.....she really look like him more than Rachael
I love Dave but Warren Buffett gives great advice on single stocks, he's over a million times richer than Dave
Warren Buffett says to buy the S&P 500 and hold it forever.
Not even a thousand times richer.
Pay the car
I beg to differ with them, how can someone come out of debt FAST on a finite salary without investing in stocks?
Not really sure Kristy adds value to the Ramsey team.
AAAAAAAAAAAAH!!!
😁✌🖖👌👍😎
One of the best ways to fix your life is to lease a car instead of buying one.
Excellent trolling. 10/10, well done.
43rd