I buy the same gift every year 😂 I get My daughter, Son in law, and 4 grandchildren a 1/2 of beef and a whole hog, processed to their liking and that is a helpful gift they can enjoy all year ❤
I just kind of sneer when sales people offer to put furniture or appliances on a credit payment plan. If you have to put these things on a payment plan, then you’re aiming too high! These things should not cost what we are conditioned to believe that they should. Just like cars. Cars have so much junk in them now that even a clunker costs $35K. Get that junk out of there and sell me a real car.
“That is a war that’s dying to be settled. I will get it settled before I even become president,” the Republican said during his debate with Vice President Kamala Harris. How’s that going? 🙄
@Mulelicious Me too. Think how old a lot of seniors's houses are and the amount of tax that's been paid on that same postage stamp piece of property and for what!? Because we pay all kinds of taxes on utilities already. In Florida you pay for the run off on your house from rain! Lol!
If there's nothing to save how are you supposed to save? That goes for anything Dave not just Christmas. Dave, What is creeping over us is greed and it's not ours. This is coming from someone that doesn't have a credit card nor wants one.
@@amitchawla5124 Problem is, inflation also affect existential things you do need too. Not just random thing that you can do without, or christmas gifts. There are some who are finding little more difficult to afford even the basic grocery items, then they did before.
Because people still use them. Stop using them, and they will have to compete and lower rates. Keep paying balances on them and there is no reason to drop the rate. Not a govt problem.
Because people haven’t figured out this very simple concept: if you are unable to pay cash for it - then you can’t afford it. Do I use credit cards? Yes I do. And I pay the balance IN FULL before the closing date so I never pay a penny of interest. I also have a no annual fee credit card.
I start buying for Christmas in September, shop deals, etc. I can’t fathom spending $400+ for each kid. We keep it very modest, keeping in mind the grandparents will chip in. We make memories with homemade cookies & making ornaments, and decorating the tree, etc. that’s what the kids are going to remember. ❤
Not every discount is a discount, watchout for those. Something that always costed $699 suddenly has a 30% discount from $999 will cost you still $699-.
I just happened to hear Dave for the first time on the radio at Age 46. He helped me to abruptly change my financial trajectory. Otherwise, right around this time, I would have to explain to my wife that retiring would be a financial struggle for us.
as a happy hermit, i love this time of year. i am a widowed orphan and i actually get energy AND peace when i go out amongst all the frantic and frenetic
I’ve had aches/pain in my chest on and off today. I think it’s from a nightmare I had. I woke up frightened. 😔 I told this woman about it here at work. She tried to encourage me. She gave me pills.
My 26 year old stepdaughter, who owes her father money that she promised to pay back five months ago (not a dime received yet) had the audacity to give us her Christmas gift wish list, and on it was a Mac Book Pro. My husband said NO. She was never taught financial responsibility and has no integrity to boot. She could learn from Dave if she didn't think she already knew everything.
*The House Ethics Committee has voted to release Matt Gaetz's report. It's about time a republican joined in with democrats on the committee to release the report!*
On average... Goof lord. I'm traveling cross county to be with my fam of 4 and combined all of us will spend total of maybe $400. That's food, travel, gifts. And we have an amazing time
That amount of money on people is insane! Our family just gives small thoughtful gifts, or even just a sincere card. Keep our main focus on the advent of Yeshua. Thanks to Dave Ramsay I've been able to stay out of debt tho earn below poverty level!!! So thankful for your encouragement when I was younger, Dave &; >
I quit with the presents along time ago its very materialised its supposed to be about the birth of Jesus not gifting materials things too spoiled people
We don’t buy a bunch of needless gifts for Christmas, we spend time together, play games, go to a play , have a special meal somewhere etc… I don’t understand all the hype to spend money on a bunch of disposable stuff
I doubt people will be spending that for Christmas for themselves or kids. People can’t afford groceries, rent, health insurance, car insurance, homeowners insurance , and even heating bills are off the charts. Not sure where you’re getting your figures from but nobody I know has that type of money. Rent is like half their paychecks . Better research your stats. .
I am glad I am below average on Christmas spending for this year. I bought myself a new laptop in November, so if you include the $585 I spent on that, I'm at just over $1,000, but if you don't then I'm barely at $420 COMBINED for everyone this year, and I only have 3 more gift cards to buy. Stark contrast 8-9 years ago where I spent over $2,000 on Christmas back in 2015/2016.
461 dollars per child for Christmas, average??? Our household is a dual income household. Disability, her. SSI, me. Combined, almost 2700 dollars monthly. Christmas???🙏
*Has Trump thought about Jesus today? ... what Jesus would say and do?* *Yesterday? ... The day before?... Trump is being guided by Christian principles, right?* *"Easier for a camel to pass through the eye of a needle than for a rich man to enter the Kingdom of Heaven."*
Trump’s proposed tax cuts: -If you make $27,000 a year, your taxes will go up $790 -If you make $56,000 a year, your taxes will go up $1530 -If you make $200,000 a year, your taxes will go up $610 -If you make $1 million+ a year, your taxes will go down $36,320
@@seanwatts8342 You are both wrong. He learned it from getting his leveraged properties called and being a couple million in debt. Then Scotch-Irish'ed his way out.
If anyone listening to this conversation is encouraged, I am definitely not in your camp. Things are light years better than Biden's mess, but we are not out of the woods
I am expecting the biggest expansion of wealth in history in the next 4 years except it will be exclusively for the rich...If you are in a position of having a mortgage, car loans, and credit card debt you will be the victim of this great transfer of wealth. I agree with Ramsey when he speaks of debt being an anchor and when this all crashes down the rich will be there to scoop up the pieces at bargain prices.
You mean that Exit Timeshare Business? (Timeshare Exit Team). You only need a company to get you out of a timeshare if you're dumb enough to get into one in the first place.
The damage done by Trump during the previous 4 years is mind blowing. Not looking forward to the added 25% on everything we buy after the blanket Tariff's go online. Fortunately, anyone with a lot of stocks and wealth will get richer. Thank goodness.
Big money corporate policies help the Fox overlord that these guys bow to. The Fed doesn’t stand a chance against the onslaught of corporate greed at all costs.
Do you want to do the math for the people say you’re buying something on credit for $100 in your credit card let’s give you the benefit of the doubt and say at 16% interest so over the life of that hundred dollar loan how much you actually pain
@@cnnothingburgerletsgobrand6381 Be a sweetie and do that 5-6 spam post thing in one thread? Make it much easier to screenshot your harassment? Thanks.
The damage done by Harris-Biden over 4 years is mind blowing.
Yeah to your diaper
I know... Wait.. Like you have been struggling or just assume blaming Democrats for everything means it's you being useful?
WOWWW, watch the triggered TDS trolls cry and act all righteous in response.
@@promethiac2641 you're jealous
You haven’t seen the last of joe
Quit spending money you DON'T have, on things you don't HAVE to have (including "Christmas"). It's not complicated.
“You’ll own nothing & be Happy “ - Project 2025 😊
I buy the same gift every year 😂 I get My daughter, Son in law, and 4 grandchildren a 1/2 of beef and a whole hog, processed to their liking and that is a helpful gift they can enjoy all year ❤
"Never spend money you don't have!" My Father
"Do not pi$$ away your money". My Mother who was a child during the Great Depression.
Cash on the barrel!
Every time.
Never spend more than you take in!
I just kind of sneer when sales people offer to put furniture or appliances on a credit payment plan. If you have to put these things on a payment plan, then you’re aiming too high! These things should not cost what we are conditioned to believe that they should. Just like cars. Cars have so much junk in them now that even a clunker costs $35K. Get that junk out of there and sell me a real car.
The great Dave Ramsey should be part of DOGE. The USA should follow Dave's baby steps for a balanced budget.
Ramsey isca right-wing am radio hack
Cash is king? That’s a lot of cash!
He's a snake oil salesman to the financially ignorant.
Draining Swamp, Cleaning House includes Federal Reserve and Joint Chiefs.
“That is a war that’s dying to be settled. I will get it settled before I even become president,” the Republican said during his debate with Vice President Kamala Harris.
How’s that going? 🙄
Trump is the scum at the bottom of the swamp
@@slayeroftrolls1200
Your reading comprehension skills Suck
@@slayeroftrolls1200 He's still got another month.
@@amireallythatgrumpy6508 good luck
Love Dave Ramsey
I like people who are not just seeking opportunity like the Blonde Kid in Lord of the Flies.
@@promethiac2641 you're so so jealous
.. of people who can't read? Naw.. that should be embarrassing.. Why isn't it?
Residential taxes and homeowners insurance on seniors. Address that!
It's why they say "bubble bursting". You know "Capitalism" hasn't been a free market for quite some time now? It's all planned and staged.
I hate property tax. Its un-American and anti-Senior citizen.
@Mulelicious Me too. Think how old a lot of seniors's houses are and the amount of tax that's been paid on that same postage stamp piece of property and for what!? Because we pay all kinds of taxes on utilities already. In Florida you pay for the run off on your house from rain! Lol!
It will be a much more joyful Christmas this year, just because of Donald J. Trump…MERRY CHRISTMAS AMERICA….
Go decorate your tree you fairy 😂😂😂😂
Better enjoy Biden's stable economy before the malignant buffoon ruins it. HAPPY HOLIDAYS CHRISTIAN EXTREMISTS
Just admit you all only believe in mythology so we can stop playing your Reindeer Games.
Weird
@@CattleDog2856What stable economy? At no point in 248 years has the American economy been stable.
If there's nothing to save how are you supposed to save? That goes for anything Dave not just Christmas. Dave, What is creeping over us is greed and it's not ours. This is coming from someone that doesn't have a credit card nor wants one.
Stop buying random things and track your spending
Don't save. Invest in silver. When inflation rises, which it will even under trump you'll have purchasing power with silver.
@@amitchawla5124 Problem is, inflation also affect existential things you do need too. Not just random thing that you can do without, or christmas gifts. There are some who are finding little more difficult to afford even the basic grocery items, then they did before.
Why are the interest rates for credit cards consistently so high?
That's what Congress needs to fix. Make credit card companies lower their interest rates to 15% only.
Because people still use them. Stop using them, and they will have to compete and lower rates. Keep paying balances on them and there is no reason to drop the rate. Not a govt problem.
Because people pay them (the ones who won't get out of debt).
Mainly because there is no interest cap and the market is pretty much owned by just three companies.
Because people haven’t figured out this very simple concept: if you are unable to pay cash for it - then you can’t afford it. Do I use credit cards? Yes I do. And I pay the balance IN FULL before the closing date so I never pay a penny of interest. I also have a no annual fee credit card.
$461 per child my kids will come up $411 short
And I am guessing have everything they actually need. I hope they don't compare to others and are appreciative.
Love Dave!
"I can do that Dave.. how high, how low.. just say the word" - AI Sheep
@@promethiac2641 you're so jealous
Please see the irony in "AI"
Dave Ramsey is a national treasure
I start buying for Christmas in September, shop deals, etc. I can’t fathom spending $400+ for each kid. We keep it very modest, keeping in mind the grandparents will chip in. We make memories with homemade cookies & making ornaments, and decorating the tree, etc. that’s what the kids are going to remember. ❤
We spend more than 400 per kid, but we are financially comfortable and that amount doesn't put a dent in our savings account.
Love Dave Ramsey and Financial Peace University. It's a great plan to get out of debt.
Not every discount is a discount, watchout for those. Something that always costed $699 suddenly has a 30% discount from $999 will cost you still $699-.
$461 per child?
Not in my family or anyone I know.
$461 is what I spend for my entire family if that. Of course, I don't finance it.
@@JDashRiderThis is the way 👆
$400+ per child??? That’s insane! Definitely not the average Joe numbers. Wow.🤯
I just happened to hear Dave for the first time on the radio at Age 46. He helped me to abruptly change my financial trajectory. Otherwise, right around this time, I would have to explain to my wife that retiring would be a financial struggle for us.
as a happy hermit, i love this time of year. i am a widowed orphan and i actually get energy AND peace when i go out amongst all the frantic and frenetic
I’ve had aches/pain in my chest on and off today. I think it’s from a nightmare I had. I woke up frightened. 😔 I told this woman about it here at work. She tried to encourage me. She gave me pills.
Well if this is true, and not some reference I haven’t heard in the video yet, please go to an urgent care.
Dave is a good guy.
Merry Christmas!!!!!
This is a Wonderful Professional Details to Follow!!!!!
My 26 year old stepdaughter, who owes her father money that she promised to pay back five months ago (not a dime received yet) had the audacity to give us her Christmas gift wish list, and on it was a Mac Book Pro. My husband said NO. She was never taught financial responsibility and has no integrity to boot. She could learn from Dave if she didn't think she already knew everything.
Love for Dave ❤❤ !
*The House Ethics Committee has voted to release Matt Gaetz's report. It's about time a republican joined in with democrats on the committee to release the report!*
Amen
@@OrangeLoser👖
has moobs
Get gaylands while you’re looking for something to read
No i give em each 100.
Sets me free from crowd the cold an the traffic
Exactly 💯, the crowds and the traffic are awful.
We do the same!
Oh but we have to have it NOW! We need this today! We need to have it before we get any older! Live life while we are young!
On average... Goof lord. I'm traveling cross county to be with my fam of 4 and combined all of us will spend total of maybe $400. That's food, travel, gifts. And we have an amazing time
I'm spending $320 for 6 grand kids, aged 7 to13. Four adults at $400 total. Grand total of $720. Set a friggin' budget and stick to it.
I learned alot from Dave
Thanks Dave🇱🇷🇱🇷🇱🇷
1 dollar today is worth 7.71 in 1971. So in 1971 we'd all be rich.
That amount of money on people is insane! Our family just gives small thoughtful gifts, or even just a sincere card. Keep our main focus on the advent of Yeshua. Thanks to Dave Ramsay I've been able to stay out of debt tho earn below poverty level!!! So thankful for your encouragement when I was younger, Dave &; >
I quit with the presents along time ago its very materialised its supposed to be about the birth of Jesus not gifting materials things too spoiled people
Rich people stay rich by pretending to be poor
Poor people stay poor by pretending to be rich
I love how you broke down the XAI555g project in your video! Can’t wait to see it skyrocket!
My parents used the old school Christmas Club and layaway (the kind in which you don’t take the product home until it’s paid for).
seek for minimalism, less money, less things and cop out from the evil of materialism
In Merica? Don't let them hear you say that lol
@@promethiac2641 well the land is great, but the people...
Yep pretty much pegged it on parents (and Grandparents) paying off Christmas debt!!!
Outrageous amounts of money spent on kids' Christmas gifts. What is wrong with people? Is stupid contagious?
I have learned to see Christmas as - not MY birthday - and I find gifting to be a totally different thing
Thanks for having Dave Ramsey on the show!!🎉. Dave ROCKS
Hogan's Heroes reference is CRAZY
You know fox used to not even be on youtube
I wish my husband would've learned from Dave Ramsey with budgeting.
We don’t buy a bunch of needless gifts for Christmas, we spend time together, play games, go to a play , have a special meal somewhere etc… I don’t understand all the hype to spend money on a bunch of disposable stuff
I doubt people will be spending that for Christmas for themselves or kids. People can’t afford groceries, rent, health insurance, car insurance, homeowners insurance , and even heating bills are off the charts. Not sure where you’re getting your figures from but nobody I know has that type of money. Rent is like half their paychecks . Better research your stats. .
I am glad I am below average on Christmas spending for this year. I bought myself a new laptop in November, so if you include the $585 I spent on that, I'm at just over $1,000, but if you don't then I'm barely at $420 COMBINED for everyone this year, and I only have 3 more gift cards to buy. Stark contrast 8-9 years ago where I spent over $2,000 on Christmas back in 2015/2016.
Fears are nothing more than a state of mind
what about the resolution preventing trump from investigating others?
Why the hell theu buy those gifts for Christmas????😂😂😂
Dave has a lot of haters and he can be pretty snarky but I love his teachings.
$461!!? That’s like 2 gifts in today’s world
461 dollars per child for Christmas, average???
Our household is a dual income household.
Disability, her.
SSI, me.
Combined, almost 2700 dollars monthly.
Christmas???🙏
So taxes take half the year to pay and dec.25 takes half a year to pay. No wonder.
Is that on credit cards also?
Who the hell uses credit cards ,,,
You pay for Christmas w/ your income tax refund. duh
You shouldn't be getting one. If you are you need to reduce the amount of tax you pay accordingly.
Remember the "Reason For The Season!)
Like dave said I've adjusted, now I'm on snap and go to the food pantries! Thanks J Powell and Joe Biden!
💰💵💰Reserve Rights RSR is gone go into top 5 crypto spot.
I like Dave Ramsey!!
WORKERS MUST OWN AND CONTROL THE MEANS OF PRODUCTION. ANYTHING LESS IS SLAVERY.
*Has Trump thought about Jesus today? ... what Jesus would say and do?*
*Yesterday? ... The day before?... Trump is being guided by Christian principles, right?*
*"Easier for a camel to pass through the eye of a needle than for a rich man to enter the Kingdom of Heaven."*
Herschel as an ambassador? The guy can't even speak English
Better yet, do what Santa does and make presents yourself.
CORRUPTION at its worst,
I’m interested to see if Trump can really get the credit card companies to lower the interest rates.
Heading in the right direction thanks to everyone who voted for Trump
u dum trumpers ready to get deported?
That is just a nice story you need to tell yourselves to sleep at night.
@@promethiac2641 The reality is America has spent 248 years going in the wrong direction.
Breaking News: The Trump era recession has begun. The billionaires are going to make YOU pay.
You called it a month ago and now XAI555g is blowing up glad I listened
Are you kidding. No Christmas here. Biden ,Harris broke us.
I spent $20 or less per person. Less than a $100 total.
How are people starting to adjust?
Trump’s proposed tax cuts:
-If you make $27,000 a year, your taxes will go up $790
-If you make $56,000 a year, your taxes will go up $1530
-If you make $200,000 a year, your taxes will go up $610
-If you make $1 million+ a year, your taxes will go down $36,320
You forgot to calculate in all the government bureaucrats being fired.
Ramsey learned everything he knows from Primerica Financial!
Actually no. He learned it from industrial psychology texts which do the OPPOSITE of Primerica, and BOTH are incorrectly done.
@@seanwatts8342 You are both wrong. He learned it from getting his leveraged properties called and being a couple million in debt. Then Scotch-Irish'ed his way out.
Pls cover...Why Natl Debt has Doubled in November. No one talking about it.
Dang just what I say goes up 20 goes down 10 still up 10 😊😊
The Governments hopeful message to the People “””said the Aliens have promised to make our deaths relatively Painful.
If anyone listening to this conversation is encouraged, I am definitely not in your camp.
Things are light years better than Biden's mess, but we are not out of the woods
The Libs are reviewing how Trump's failure during the Pandemic cost over 130,000 lives.
What was his failure?
@@keithm9337he choked during a crisis, as always
Trump said COVID came from China and they called him a racist
I am expecting the biggest expansion of wealth in history in the next 4 years except it will be exclusively for the rich...If you are in a position of having a mortgage, car loans, and credit card debt you will be the victim of this great transfer of wealth. I agree with Ramsey when he speaks of debt being an anchor and when this all crashes down the rich will be there to scoop up the pieces at bargain prices.
Not me my daughters 34 and 32 no gift sory
I kind of liked the interest on the money market accounts though
What happened with that Time Share business he was pushing?
You mean that Exit Timeshare Business? (Timeshare Exit Team). You only need a company to get you out of a timeshare if you're dumb enough to get into one in the first place.
Can't save Brandon now so just STOP
Ya listen to a guy who went thru bankruptcy 3 times.
Trump promised to bring the prices down. I can't wait!!! TRUMP! TRUMP! TRUMP!
"We don't know how economics works on a fundamental level so we believe him"
@@promethiac2641👖 replies to 👖
Trunp lied to you again
First Elon bought X and now he launched the XAI555g token this year is crazy
The damage done by Trump during the previous 4 years is mind blowing. Not looking forward to the added 25% on everything we buy after the blanket Tariff's go online. Fortunately, anyone with a lot of stocks and wealth will get richer. Thank goodness.
What damage did Trump do that wasn't done prior to January 2017?
Max $5.00
I am mind blown. Stock market is crashing! Thanks Trump.
Trump is not in office yet
Big money corporate policies help the Fox overlord that these guys bow to. The Fed doesn’t stand a chance against the onslaught of corporate greed at all costs.
Do you want to do the math for the people say you’re buying something on credit for $100 in your credit card let’s give you the benefit of the doubt and say at 16% interest so over the life of that hundred dollar loan how much you actually pain
■ that donøld is back behind our Resolute Desk? - *I agree.*
Its not your resolute desk, its Americans resolute desk, you kommies arent American. Have a nice day.
he did such a great job january 6th
@ it's mind-blowing 😏
There is no project like XAI555g...it is literally owned by Elon Musk
talk about Doge, imagine increasing our debt more than any president in history and still not finishing your ridiculous fence!
Right?
Actively sending Balnis 👖⬇️
And Balnis 👖 talked to himself again ⬇️
@@cnnothingburgerletsgobrand6381 Be a sweetie and do that 5-6 spam post thing in one thread?
Make it much easier to screenshot your harassment?
Thanks.
How many illegal immigrants are you supporting in your shack?
Once Elon Musk's XAI555g passes $1, it may NEVER see that low again
The orange skid mark who bankrupted a pile of businesses will save us
Well, the professional politicians that just ran up this huge problem didn't do well, so let's see how a nonpolitician can do.
Want some cheese with that? 🤣😂 Merry Christmas!
@@seeking70
The current administration has been successful financially. Look at the statistics.
@@knelson3484successful for themselves
@knelson3484 apparently 71 million voters disagreed. Check that statistic.