Dave Yelled At Me For Being Stupid With Money, Now I'm Debt Free!
HTML-код
- Опубликовано: 30 июл 2017
- 💵 Create Your Free Budget! Sign up for EveryDollar ⮕ ter.li/6h2c45
📱Download the Ramsey Network App ⮕ ter.li/ajeshj
🛒 Visit The Ramsey Store ⮕ ter.li/7vyom2
📞 Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
Explore More Shows from Ramsey Network:
🎙️ The Ramsey Show ⮕ ter.li/ng9950
🍸 Smart Money Happy Hour ⮕ ter.li/9gcp3d
🧠 The Dr. John Delony Show ⮕ ter.li/2u3mc0
💰 George Kamel ⮕ ter.li/1elws8
💡 The Rachel Cruze Show ⮕ ter.li/n2u6jc
💼 The Ken Coleman Show - Highlights ⮕ ter.li/1rbjr2
📈 EntreLeadership ⮕ ter.li/ktxv2k
Ramsey Solutions Privacy Policy
www.ramseysolutions.com/compa...
I stopped paying attention for a split second and heard she “shot families and kids.” She is a photographer, it makes sense. 😂
Lol my mind went the same place @Antonio Lopez 😂😂😂😂
Mine too!
🤣🤣🤣🤣
I can’t unhear it 🤣🤣
My husband and I live in NJ- making 135 with two kids under two. Paid off 30k in 6 months. Including medical bills and a 20k car.
Way to go, Tamara!!
Good for you! Very nice!
Tamara Laird inspiring!
Good job Tamara! Good work! It seems you two will be rich within 10 years. Good things :D
Good job!!!!!!!!
OMG! I hear Uncle Dave’s voice too every time I spend money. 🤣
😊😊😊
I know right 😂😂
I noticed that some of these people respond to Dave like a father figure setting boundaries in their lives and they need and that push that he gives them to drive them into learning to manage money I think it's great
I remember her call! Lol. Congratulations you two!
It is great to see that people can make mistakes and still get back on the plan. Well done!
Good for them for having an ability to self-reflect. Many folks just stay on auto pilot mode. I give this couple credit for turning it around and helping their marriage too. Way to go! FPU leaves you with a sense of hope and that is always helpful.
Why do I ALWAAAYS CRY when people do the "debt free" scream!? 😂😂
LivLuv S I get super hyped and excited and happy
LivLuv S cuz your not debt free yet? You can do it!
LivLuv S it warms my heart
Me too, with joy!
I get CHILLS!
Thanks Dave! I wish I knew about you before my financial mistakes.
Same here.
Right? you do now though! Hope you are good and in a better place.
@@lookforward2life Yeah I'm in a much different place.
Reginald Carter that’s awesome! Congratulations 🙃
I need to listen to these videos more often! These help so much to keep me motivated to keep working towards paying my house off ASAP because sometimes it's tough to stay motivated for that.
They sound like they are living there dream. With professions like that it should be easy to get out of debt.
Sometimes we all need a kick in the pants. So happy it worked for them and they are now on a better path!
Omg i remember that call!!!!!thats great...happy for u guys
I love the laughter and humbleness. Live and learn. ❤️
This is giving me motivation in the biggest way thank you Dave
Haha went back to listen to the call I remembered cuz I literately have watch all his videos... call " We bought a 16K car while in baby step #2
Thanks, that allowed me to find the call
This is awesome! Congrats!
Great work!
Love it - way to listen to Uncle Dave!!
That moment when you never took on debt to begin with so you don’t get to do a debt free scream :((((
Go get a credit card, charge a pack of gum and then pay it off. You can do a debt free scream then. XD
Haha..!!
😂😂😂😂😂
Great story!
That was great...thank you all
Way to go!!!! So happy for you guys. The lord will continue to bless you guys!!!
Thank you Dave!
I want to cry when here these screams!
This is my favorite 🤩 so many times I have wish for a follow up. Great video.
Congrats!
NYC is extremely, extremely expensive to live. So yes it's impressive.
Great video!
Hey! We are planting an ARC church in Sept. In Kansas City area called Real Life Church! Church of the Highlands was so amazing hosting the ARC conference this year! This video is very encouraging and I can totally relate to it since my wife and I did pretty much the same thing and will be debt free this friday.
Dave Ramsey's ghost is all over me, it always say to me, "Spend Wisely Son, plan, budget, keep walking your baby steps and one day you will be a millionaire". Thanks Dave
I remember that call, congratulations.
I remember your call Darrah! Good job girly (and Nicholas!)
He forgot to say they are millennials. More of them have to listen to Dave Ramsey and start getting out of debt.
I remember that call!
Way to go!!
Cheers!
I like that Dave apologized even though what he did is exactly what she needed and she said it herself. God leads us to say and do things that are right on time. Yet he still apologized for the delivery 🙏🏾
Ripped me a new one! Love it
Sorry, not sorry. Lol some times you need to be yelled at.
Dave,,,,,I am debt free!!! Chapter 7.!!!!
😀
We live in Westchester too. Its expensive!
Jen Sanchez It is isn't it? I couldn't believe we could afford a decent house without a loan. But we were just about broke for nearly two months after that because of the car payments, glad we stocked up groceries before hand.
Welcome to the People's Republic of New York! Plenty of taxpayer-funded services available for unemployed losers and illegals. :)
KiloByte or it’s supply and demand. People want to live in those areas because of the excellent schools and career opportunities...
Westchester is not New York, NY.
Very cool. My first vacation when I’m debt free will be there doing my scream.
Was the $16k car a Chevy Equinox? I just bought a 2011 Chevy Equinox today from someone with $7500 cash. It pays off to buy one with 100k miles on it instead.
I just went back to watch the first video and honestly Dave was pretty mild with her about the car purchase compared to what I've seen him do with other callers.
Do you have a link?
I'm 15 now and have somewhere around 1200 in my credit union that my mom set up for me when I was born she put like 200 in it and everything else was from birthdays,communion confirmation, I have a post office account with 200 of my own money from overreaching,lawn care etc... I've made about 500 this summer and reinvested 220 back into my business rest I blew for stupid reasons I know I could've made a €1000 this summer if I set my mind to it but I didn't you live and you learn I guess I've decided I'm gonna save 50% of what I make up until I'm 18 to start in business my math says somewhere below 3500 I probably will have more in dropping out next year to become a plasterer because I'm good with my hands and I hate school. Any chance I can talk to you about some stuff?, thanks
My whole family doesn't believe I on me either😂only my dad who is a ex business owner but is dead broke atm because he severed all his nerves on his left leg from the knee down 18 months ago but he also has no emergency fund
Don’t drop out of school. I was like you and used to pour concrete and I loved it and hated school so I wanted to drop out. Being successful isn’t 100% about the money a big part of it is also behavior. Just keep listening to Dave and you’ll realize why it’s important to stay in school and I promise you once you get to college it will be way better than high school
@@user-mg4tq4km5n go to college for something useful. Either go with a large scholarship or go somewhere in-state for cheap. I know people who graduated with painting degrees for almost $200,000. They have a 0% chance of paying it back. They're in their 40s and don't see a very bright future for themselves. Don't do anything like that!
You are seventeen now, how are you? Well I hope and graduating 🙃
Papa Dave isn't mad at you. It's just tough love.
can someone tell me what's the title of the gray book next to Retire Inspire?? TIA
Awsome
I think we've all been stupid with money and deserve to be yelled at!
DeathRowToDisneyWorld j
That is great! A featured video! Haha
All these people make loads of money. Easy to get out of debt making that amount.
yeah, i love it
photographer lol
💚
“I shoot families and kids”
An example of if you miss the context, this woman’s job is horrifying ;)
Congrats guys!
Congrats. Anyone have the link to the original?
Sean Wilson it’s posted above
Nowadays I just watch videos of happily married families because it's been so hard to create one.
Link to her earlier call?
These comments should be a lot nicer.
Good grief, these people make stupid money. It took 10 months?
To be fair, it was after promotion n new job
Here is the highlighted video in case you wanted to watch it: ruclips.net/video/nkezgoPulXA/видео.html
0:54 why isn't she in jail
Good for them even though It so cringe to watch, to show up for Dave's praise what a good girl and boy i am. Lol Gratz on being debt free tho
a chevy is a pretty dumb car
If dave yelled at me I would be kinda turned on not debt free
She wears the pants!
Here is the original video!
ruclips.net/video/nkezgoPulXA/видео.html
I CANT DRIVE A CAR THAT MIGHT BREAK DOWN.
vocal fry....
Paying 33k in 10 months with 155k income must have been very difficult. It's unimaginable. I'm surprised they couldn't do it in 5 years.
At least they did it. More than can be said for most people.
We have been working on this plan for 2 years. We started with over $75,000 in debt. My husband and I were both full-time students, only making $20,000 a year for the first 2 years. It was a struggle. But we put every extra penny we scrounged towards debt and managed to pay off our car, motorcycle, and 2 credit cards. Now all we have left is the student loans for about $50,000. We both joined the military so fortunately we now have a steady regular income of about $50,000 a year (sometimes more depending on the situation.) $50,000 is a MASSIVE increase from the 20k we made last year. So sometimes plans come from humble beginnings, like ours. We even had a child during college, so we made a lot of sacrifices to stay on plan.
they live in NYC... a very expensive city. now had they been living in Tulsa they coulda been done in a few months. Either way they beat the system and arent under nobodies thumb.
Sure NYC is expensive but that rapid of an income increase means it would have been easy for them to not increase their lifestyle in that time. I would have been more impressed if they had paid this amount off in half the time they did.
It's not uncommon to see a sarcastic comment about people with high incomes, but I kinda wanted to do the napkin math and see if the sarcasm is justified. After looking at the numbers I don't think it is.
So from 90k to 155k in 10 months. Lets average that and say their income was 122,500 a year. Well first you need to pay taxes, and a calculator that factors both federal and state income tax takes out $45,593...so $76,907 left, still not bad. But they took 10 months, not a full year so ($76,907/12) * 10 = $64,089. Now let's take out the debt $64,089-$33,000 = $31,089.
So they lived on (roughly) $31k for 10 months. Now I'm not going to pretend to be a cost of living expert, but it doesn't take much googling to know that living near NYC is bananas. If you take out $1,500/mo for rent, that's $16,000 left to live on or $1,600/mo.
I'm not trying to claim that they lived like paupers or that they didn't have a really big shovel to dig out the debt, but give the folks some credit. Darrah if you're reading the youtube comments congratulations! Y'all kicked it into gear and now you get to live a life of Financial Peace!
With 155k a year I'd be debt free in a matter of 1 month! Don't believe me? Offer me the 155k and I'll prove it. So yes I'm happy for them but not impressed at all.
TheLaw OnGuns Not always. It depends where you live. New York is extremely expensive.
miggie 1 I wasn't taking into consideration they live in New York because in GA the cost of living is so much lower
TheLaw OnGuns plus they weren't making 155k the whole time
Darrah Arnheim Nicholas and Darrah I loved yalls Debt Free Scream and story!!! I remember your call to Dave a few months back, what an inspiration y'all are! ❤️❤️❤️
yeah if I had the "lower" end I would be happy... even with 2 people, our income isn't that much.
Found the first video!
ruclips.net/video/nkezgoPulXA/видео.html
Wow you paid off 33k of debt in 10 months with a 155k income, amazing!
So basically the wife doesn’t work. Meaning the guy had to pay it off himself
Cero she does work, just because she earns less doesn’t mean it shouldn’t be considered