Stop Making Banks Rich and Start Making Yourself Rich!
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- Опубликовано: 13 сен 2024
- The Ramsey Show - March 29, 2021
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I'm one of the debt free that didn't do it on air...I paid off $90,000 in less than 3 years
That is awesome!!
Congratulations! So happy for you.
Very Very well done 👏
Way to go!
Thats awesome! Congratulations!
As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have about $700k amount of capital to start up but I have no idea what strategies and direction I need to approach to help me make decent returns
Invest if you actually want to be wealthy. However, you should get guidance from a financial advisor if you want to create a successful long-term plan….
Having an investment adviser is the best way to go about the stock market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly and I made over $800K within a short time
My advisor's name is *Sharon Louise Count* and she has years of experience in the financial market. You can simply search her name on the web
Dave's knowledge is just so superior
This man showed me how to change my own life.
Experience is the best teacher!
A budget will change your life--I know it changed mind!!!
I couldn't have said it better..I lost everything in divorce AND having to go on disability.. I learned how to economize out of necessity and chose to not forget..When the disability started I chose to live the minimal lifestyle poverty taught me, and budgeted with the intention of rebuilding a Emergency Fund..Then when the pensions finally started a decade later I invest half of them into the "working CD Ladder"..I put away $300 a month now. I would have a years worth of benefits set aside.. but cataract surgeries took a big bite out of the EF...
*mine
Yes I NEED THAT BOOK!!!🤣🤣🤣
After a terrible 2022, shell-shocked financial backers have a lot to think about and losses to recover from. An expansion report and a wealth of other data did little to alter assumptions that the Central bank would likely keep raising interest rates regardless of whether the economy slows down. This implies that portfolios will experience more losses during the first quarter of 2023. I'm currently at a crossroads deciding whether to exchange my $250k security/stock portfolio; how might the continuous market volatility work to my advantage?
Concentrate on two main objectives. First and foremost, keep yourself safe by knowing when to sell stocks to reduce losses and maximize gains. Second, prepare yourself to gain from a market turnaround. I advise you to seek the advice of a representative or financial counselor
@@GabrielPitchford In fact, ever since Coronavirus, I've been in regular communication with financial examiners. Nowadays, buying moving stocks is quite easy; the trick is knowing when to buy and when to sell. The section and leave orders for my portfolio are made by my counsel. accumulated more than $550,000 from a $150,000 savings that was initially stale.
@@ThomasWilliam-sw8ms Please provide the information for your investment advisor here. I really need it now.
@@GabrielPitchford She is MARTHA ALONSO HARA, my consultant. Since then, she has devoted section and leave attention to safeguards that I have been keeping an eye out for. You can locate information about the chief online, on the off chance that you're interested. I made no regrets about substantially adhering to their exchange strategy.
@@ThomasWilliam-sw8ms sincerely thank you I looked her up on the internet and was awestruck by how qualified she was; I contacted her since I need all the help I can get with canning. I've just scheduled a call.
I remember coming forward in church to pray with someone because I was sad because I was being a bad steward of God's money and she couldn't figure out why I was so sad. She said well, everybody does that. Well, no more! I know we are on the right path to being good stewards of God's money
How ya doing now?
its too often that people wrongly attatch money as evil. in Korea they literally call it 'pig'. money is the best invention of human civilization.
"its God's money, and I need it NOW!"
YOU DON'T FAIL....UNTIL YOU STOP TRYING!!!!!!!!
Congratulations on ONE BILLION downloads❣️❣️❣️
Brutal honesty is called ...."CANDOR"
Dave, I live in Canada and people here also have hissy fits.
Would you please talk about Medicare costs for retired people who were high income while working. We are retiring and wife is disabled and we are shocked that Medicare is going to cost us about $1000. a month.
I know. I was shocked too
Maybe the out laws would want to buy the house.
This is United States and it’s all bout money,Money rules the world.
Dave's plan works if you work and the more you work the better the plan works. However if you don't work then his plan won't work. So it's your choice.
Yep, your choice.
But here is a question: folks are overpaying on houses perhaps on dual incomes. If things level out and one loses their job they could foreclose and we could see something resembling 2008 bc people were overleveraged. That’s why folks should keep their mortgage payment as low as possible (25%, at least 30% of their expenses). But people take out 45% of their INCOME. That causes big problems.
Another factor people are ignoring is the increases in property taxes when u sell and buy again in the market.
been trying to help my boomer parents adjust to the modern investment landscape and its terrifying how little they know about this stuff.... or even care about or take seriously.
We lived on one income...and we both retired at 59.
Wow 🤩 congratulations 🎉🎈🎊🍾 just on my way
I had never been south of the Mason Dixon prior to 18 and I grew up with “hissy fit”, don’t worry Dave 😋
Hi Dave, I'm not from the US,is it still possible for me to connect with the investors?
How come you never talk about utility payments?
This is quite interesting and informative, but if you want to be financially free don't depend on one source of income, invest for the future of tomorrow, then see how ecstatic you will be in due time
I remember beanie babies 😆 🤣
I’m starting Baby Step 1 this Friday.
Calling me out on the "when you sell something at a loss you're just admitting it"
The guy obviously has a relationship with the inlaws, i think maybe the solution is staring him in the face, he say's they pay rent so offer to sell them the house on a land contract to preserve the relationship, he's not hurting for money, give them 5 yrs with baloon payment due at the end of 5 yrs, this gives them time to resolve any credit issues and get their own financing.....dooable?
Exactly that are paying anyways and could own it -win win for everyone
ya. I mean, tenants these days can be a nightmare. in my grandfather's house a couple moved in(not my choice) who set up a cannabis concentrate factory in the house and completely ruined it. kicker is they stopped paying rent and refused to leave. legally nothing could be done because California. if you have a good renter then why not keep that stream of money?
About the first caller, what's wrong with renting to your in-laws if they get along? Besides, once and in-law, always an in-law. No such thing as an ex in-law! Seems he's helping them so he shouldn't be ashamed of that! There's more to life than money, Dave!
If the people divorce - yes they do become an ex in-law.
Yes, people x in-laws form special relationships more than just friends. Like me my x daughter in-law is a like a daughter. She is the mother of my Granddaughters. It is important to keep good relationships for the children's sake and everyone to just get along. If family can and wants to help each other that is how it should be. (as per the Bible). It all depends on the people, I guess.
Great job ❤
The house needs to be sold because of the divorce believe me it’s the money period
Nice shirt; I like it. 👍🏼
as far as SOCIAL SECURITY goes......Don't you have to "earn enough credits?" ...isn't it like 40 years?
We have to teach people....especially younger people...to NOT THINK OF SOCIAL SECURITY AS INCOME for retirement. It is AT BEST A CAPILARY FEED to YOUR JUGULAR VEIN OF RETIREMENT FUNDS.......
If this isn’t a real estate bubble then over 60% of the American population will not be able to buy a house within 10-20 years with the 15 year fixed like Dave says.
there hardly any actual physics or rationality involved with markets now. enter the magic of monetary theory✨🕺✨✨✨👍
You cant buy on a 15 year anyway. There is literally no place I can live in the dmv with Dave's advice
@@ineedhoez it all depends on how much you buy. I finished paying off my home within ten years. Granted within the last 5 years that same property has doubled in value and yes - it would take a much longer time to pay it off.
Should have moved kids college funds into pokemon cards instead of beanie babies lol
what is that scripture you recite from time to time???????
Yes I NEED THAT BOOK!!!👌🤣🤣🤣
That first call was horrifically boring. My god. I can't believe they aired that. Dude, tell them you want to sell your house. Offer them the option to buy it
WHERE CAN I PREORDER THE DrAmA qUeEn book at?????!!!!!!
Chad needs to grow a pair and get professional with his ex in-laws. He was scared of them / his family and potential conflict from the get go. No bueno. I keep family and business separate.
He cant evict them. They could dig in.
No, if there’s no lease it’s automatically a month-to-month lease with 30 day notice. That’s why the lease is there to protect both. The landlord and renter know when the contract is up and can plan for it and the renter can’t be booted without cause. But on a month to month, either can cancel with 30 day notice which causes uncertainty.
Here I wonder if he didn’t just sell the house to the in laws if they liked it. I’m listening to old podcasts to keep my inspired on my debt free journey ha
...BUT WANTS TO BE GREY BEFORE THIER RICH
A lot of couples are divorcing
oops, he is going to have to put up plastic over those windows for his wife, for now. :)
...so did DAVE -RAMSEY RE-marry ''cause i/m not see-ing a WEDDING ''RING--''' @ ...34:17... and Who's the LUCKY--GaL-'''
No, Dave and Sharon are not divorced.
as far as the debt goes it is in essence the same as vouching for someone . if you take on debt to provide for someone else that is. so to say that not using debt is the only way is essentially the same as saying you would never vouch for anyone under any circumstance. that is the problem with a no debt using ideal. It is dangerous much more than not having debt but can be used properly to solve problems.
43:00 Real estate is super local. Yes people are leaving CA but I am a realtor in Silicon Valley and this area has people moving in for jobs and so much demand for housing. Double digit number of offers on most homes and market average is 13% OVER list price right now. I’m sure there are areas of CA that are seeing more exodus though.
I suppose we’ll see. A lot of jobs went remote from the pandemic so does one need to be in a place physically? Maybe not. I live in Nebraska where cost of living is low. My husband does IT and he can technically do that for anyone anywhere. Just depends on skills/career. And while we may visit his father in Folsom, CA, we will never ever move there as the houses and taxes and policies are crazy. Can’t easily conceal carry there etc. So welcome folks here as long as they keep their horrid policies out of our state. And Cali can continue to waste water on over-thirsty cash crops and cause draughts bc of it for all I care but they can have our aquifer water.
I agree.. here in Bakersfield CA, in Kern County, housing prices are going for over asking price too…stick price is up,no rentals,low inventory for sale. I have noticed that ppl are really, really caring about their homes , putting money into the home and upgrading their kitchens and getting pools.. also ppl from LA county are buying here in Bakersfield, and just driving 2 hours over the grapevine to work.. A lot of ppl are also working from home..COVD changed sooooo much.. I just retired 6/18/21, was going to sale and my husband and I were moving to ID, but he died on 8/14/21 if COVD complications… no one is promised tomorrow.. I am moving forward ….I am selling my current home at the end of July 2022.. since 9/2021, house price has went up from $340,000 to $420,000 for a 1750 sft home. 3 bedroom, 2 full baths, real RV parking and a pool…lot size 11,000.00 sft lot.
...and why does exd-wife gets all the ''PROPERTIES- LINCOLN AND THE CADILLAC...
All this said about the Bible, etc., why would Dave allow a mortgage? Double standard. This guy could talk about getting a home loan (aka, debt).
The mortgage is the only thing that Dave concedes as reasonable debt. He's consistent about that. And only for your primary residence.
...is it just me ''cause this caller SOUNDS OLDER THAN...57-1/2-YRS. OLD ... AND HE SAYS HIS SAVINGS IS 2.2...S o is that 2-million-+ 200+Thousand - and Growth-Stock-MUTUAL -FUNDS--''...$$$ $$$ ...no hair and GREY-HAIR---''
Wow! Christie, you laughing three times at the couple who wanted to open an event planning and pheasant hunting camp on the same piece of land was really disrespectful! I was just sitting listening to you and thinking “yes...that could be done on opposite weekends... hunting season and wedding season are two totally different things... and you can have different entrances of the same building… “. I am sure if I would brainstorm for an hour or two more I could come up with 20 more ideas. I was very disappointed in your lack of respect… Not that what you said was not good advice, but that you were so disrespectful to their dream.
Housing always goes up... unless you live in Ukraine! 🤣
1:09:02 Christy snapped her fingers so hard her nail polish almost came off 😉💅 1:32:00 🤯, 1:33:10, 1:34:12,
Pseudo caretaker? Be careful...
He stutter too much.
Ugh Chad's talking was frustrating to follow!
I think he had a speech impediment/stutter.
Why is chad stuttering so much?
His not telling the truth hahahhaa
Why do you sound like a bully?
Just listening to him gives me headache 🥴🥴🥴