Be Weird Or Be Broke! - Dave Ramsey Rant

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  • Опубликовано: 19 мар 2017
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Комментарии • 1,7 тыс.

  • @TheRamseyShow
    @TheRamseyShow  6 лет назад +122

    Make sure to hit the subscribe button and thanks for watching! ruclips.net/user/DaveRamseyShow

    • @lucifersonsco.230
      @lucifersonsco.230 5 лет назад +2

      i hated this rant immensely

    • @GHC3
      @GHC3 4 года назад

      As I get older I'm proud to be weird, have no car living with my family, credit cards paid off each month, business MIS degree with no debt, live the minimalist lifestyle, sure beats the popular alternative

    • @333mrhandmedownsjarredfatm7
      @333mrhandmedownsjarredfatm7 4 года назад

      Yup

    • @cookingwitcalvin
      @cookingwitcalvin 4 года назад +1

      Hey Dave God bless you and thank you for taking the time to help people to live a better lifestyle.
      I took your course and in 1 year paid off two credit cards that have a 2k balance have the emergency fund sold my car that I was 5 thousand upside down in I inherited from an ex got a unsecured loan on the negative equity that I set on auto pay in tackling that, I bought a car with 90k miles less that is a 2013 for 20k OTD and lowered my payment from 425 per month on the other car to 375.00 on this car as soon as the unsecured loan is paid off from the other vehicle. I'll be double what I'm paying on my student loans. I paid one off my student loans off with a state tax return that was 5k now I'm paying off the 13.5k welding school loans. I'm making 60k yearly with my day job I'm 29 years old with no mortgage. And currently have 36k in debit
      If I was your son what advice would you give me moving forward.
      Thank you in advance.

    • @bradleykurz1478
      @bradleykurz1478 4 года назад

      ha i love you're honesty when can i call into the show?

  • @dalva72
    @dalva72 6 лет назад +2389

    "Act your wage!" Love it...

    • @tootiegreen4095
      @tootiegreen4095 5 лет назад +1

      Dan A. 💪🏾

    • @ivarlosna6516
      @ivarlosna6516 5 лет назад +46

      Act below your wage.

    • @docness7
      @docness7 5 лет назад +10

      A lot of people don't understand that.

    • @pursuing222
      @pursuing222 4 года назад +1

      I gotta remember that one

    • @tooakki
      @tooakki 4 года назад

      That's a good one

  • @mafikisa
    @mafikisa 3 года назад +374

    Thank you for making me a millionaire. I am 42, have 15yrs to go before retirement and save between 70% to 80% of my salary every month. I have zero debts and I am the happiest soul on earth. If cash cant afford it, then its not worth it. Nothing can ever replace the joy of getting a full salary and then saving 80% of it. I am a happy minimalist. I do return a 10% tithe to the Lord with a big smile on my face

    • @Noahsark1100
      @Noahsark1100 Год назад +20

      Congratulations on your freedom bro

    • @giezyvillavicencio1594
      @giezyvillavicencio1594 Год назад +4

      Sounds a bit sad

    • @andrewpalacios1363
      @andrewpalacios1363 Год назад +3

      Hey man, congrats! Perhaps start investing some of that? I’d like to know that you’ve become been richer in the coming years

    • @Geo-st4jv
      @Geo-st4jv Год назад +8

      @@giezyvillavicencio1594 I do the same but as a university student and I feel great about it, any time a surprise expense comes up I always have the money to pay for it, I pay for everything in full and don't have to worry about payments at all

    • @JustinFH
      @JustinFH Год назад +10

      @@giezyvillavicencio1594 Yeah. A millionaire who has a 70-80% savings rate. How sad /s

  • @PInk77W1
    @PInk77W1 5 лет назад +989

    When I first heard Dave a year and a half ago I had $11K cc.
    Now I have zero cc debt and $20,000. in the savings account.
    Dave is a National Treasure

    • @SundaysChild1966
      @SundaysChild1966 4 года назад +40

      Oh WOW, good for you, that is REALLY something to be proud of. Bless ..

    • @JohnnyArtPavlou
      @JohnnyArtPavlou 4 года назад +19

      Congratulations!!! Stay strong and clear.

    • @secretlyclever4062
      @secretlyclever4062 4 года назад +9

      GOOD FOR YOU! 🥳🥳🥳🥳🥳 keep at it!!

    • @arifali6762
      @arifali6762 4 года назад +1

      Him Bike International

    • @willtholke3925
      @willtholke3925 4 года назад +3

      Nice man. Have you considered other investment vehicles? The interest you’re earning in your bank account could be earning more in an S&P 500 index fund (VTI) or ETF (SPY).

  • @bneal0220
    @bneal0220 6 лет назад +1152

    I respect this guy because he gives it to YOU raw

    • @lionessnala2000
      @lionessnala2000 5 лет назад +45

      Yeah he does some days i hate him for being so brutal but actually angry with my self for being so stupid...

    • @lakersin556
      @lakersin556 5 лет назад +5

      Facts

    • @spooks196
      @spooks196 5 лет назад +13

      Everybody needs to hear what he says, but not everyone will get it.

    • @rthelionheart
      @rthelionheart 5 лет назад +14

      That's right, he sugarcoats absolutely nothing😂

    • @nickpupino2028
      @nickpupino2028 5 лет назад +15

      mmmm yeah daddy Dave give it to me raw

  • @chikifree
    @chikifree 7 лет назад +1542

    I'm 23 with no debt. All my friends think I'm weird for not buying a car.

    • @beronekerron
      @beronekerron 5 лет назад +96

      yout aren't weird for not buying a car, you are a dependent, dependent on public transportation or someone else. Save up and buy a car dont lease, dont finance, Buy what you can afford and you still will not have a bill, just include gas and maintenance in your budget

    • @DAZZER435
      @DAZZER435 5 лет назад +47

      @Faizan Ali Yeah, I saved my income for a whole year to buy my first car, 3 years ago which I still drive, so I would never have to pay a car payment in my life.

    • @JustAnotherRandomPersonOnline
      @JustAnotherRandomPersonOnline 5 лет назад +13

      In my state Insurance is required! Watch the laws in your state before buying a car. (I live in Georgia btw)

    • @willmcpherson2
      @willmcpherson2 5 лет назад +33

      Taking public transport is WEIRD

    • @user-vv9np5iq7n
      @user-vv9np5iq7n 5 лет назад +57

      I’m 55 years old.
      In 2001 I bought my first brand new car (Dodge Pickup).
      I still have it 18 years later and I’ll keep it until it falls apart. It still runs great because I’ve always done maintenance.

  • @DMaster81
    @DMaster81 7 лет назад +1653

    these rants are essentially the same thing over and over again said in a little different way, but they never get old

    • @JonO387
      @JonO387 7 лет назад +41

      DMaster81 Dave hasn't done anything new since his first book came out. He's given the same talk for 30 years and does nothing but say the same things and make the same dad jokes over and over. It works, but he should change it up a little.

    • @LDT7Y
      @LDT7Y 7 лет назад +164

      If it works, why change it? New people coming to his site need to hear the same messages. If you've heard and mastered everything he's said, then go and spread the message yourself.

    • @JonO387
      @JonO387 7 лет назад +13

      He should change his wording, examples, and please, oh please, learn some new jokes. I am spreading the message, in my own way.

    • @XxMusclecarsxX
      @XxMusclecarsxX 6 лет назад +43

      it's like losing weight. EAT LESS, EXERCISE MORE. But it's a freaking multi billion dollar business hahahah

    • @DigitalHaze65536
      @DigitalHaze65536 6 лет назад +20

      The math never changes, so the message doesn't have to change. The only thing that changes is that there is more stuff to waste money on. (so you have to be even more disciplined than in the past) Pensions are also a thing of the past and S.S. keeps getting worse, so even more reason to save and invest, instead of spending money and or going into debt over stuff you don't need.

  • @akhilsharma83
    @akhilsharma83 4 года назад +414

    “They are better at marketing, than you are at living your life.” Nailed it.

    • @Dtt4
      @Dtt4 4 года назад +2

      The sad truth.

    • @tanitrarobinson7477
      @tanitrarobinson7477 3 года назад +10

      Especially Apple!!!!! They are notorious for making consumers "feel like" they must have the latest iPhone! I couldn't believe that people actually financed these phones.....wow!

    • @Spazza42
      @Spazza42 3 года назад +4

      @@tanitrarobinson7477 Never had that feeling, my phone works so why do I need a new one?

    • @azeljoyportugues2580
      @azeljoyportugues2580 3 года назад

      @@tanitrarobinson7477 Thank God I am using Google pixel😂 although Shoppee bombards me with unnecessary stuff to buy through RUclips, as Google owns RUclips.
      Been using my phone for a year now, and I only changed phone once the screen shatters

    • @Musicienne-DAB1995
      @Musicienne-DAB1995 2 года назад

      Honestly, his one-liners could fill a book.

  • @misspriss2482
    @misspriss2482 4 года назад +35

    The truth is that there are definitely people that judge you and look down on you because you look poor (don't drive a fancy car, wear tons of new clothes, or have the latest phone). When you bring your lunch from home every day, people will pity you and whisper about you. You have to decide that you don't care what people think. Either look broke for a while or actually be broke for a lifetime. Your choice.

    • @amyV10844
      @amyV10844 3 года назад +5

      I bring my lunch to work and when people ask me why I tell them it's because I love to eat healthy food which is true. They have nothing to say after.

    • @Ink30
      @Ink30 Год назад +2

      Your smart, very true

  • @pauljosse
    @pauljosse 7 лет назад +2068

    Imagine being 16 years old with no debt, and beginning the baby steps..... you would be soooo rich by 30!!

    • @HealthySkepticism1775
      @HealthySkepticism1775 7 лет назад +27

      pauljosse
      oh I wish

    • @mac1bc
      @mac1bc 6 лет назад +112

      pauljosse at 16 you don't have many expenses. Once you are on your own paying for everything yourself you realise it's not as easy to save as when you were 16.

    • @AB-fi3jz
      @AB-fi3jz 6 лет назад +80

      Yeah but most 16-18 yo's with some money wanna spend it on partying and ' memories ' .

    • @lunganikhubone2595
      @lunganikhubone2595 6 лет назад +45

      mac1bc So many things we are sold are just a myth. Redesign your thinking and you will see the truth. For example we are thought by financial industry that you can't buy a house cash but it a myth because there are people who have done that. You can't buy a car cash lie, you can't, you can't,you can't. They have planted this thing in our dna. It a lie.

    • @dynamitekitties
      @dynamitekitties 6 лет назад +14

      pauljosse I'm I'm doing this at 14. If I do everything correctly I should be good :D

  • @ilikethatboulder.thatisani5496
    @ilikethatboulder.thatisani5496 6 лет назад +607

    I'm 21 and people look at me funny when I watch your show. But I don't care I'm being weird for a reason

    • @sneakerlove5313
      @sneakerlove5313 5 лет назад +6

      Ayala 2024 amen!!! One day they will be in so deep they’ll have no choice but research Dave! 🤣

    • @MarioGarcia-lw5ss
      @MarioGarcia-lw5ss 4 года назад +16

      Me too I’m 28 and I own 4 homes I have cash flow no debt thanks to Mr Dave Ramsey

    • @jamiesimms7084
      @jamiesimms7084 4 года назад

      Keep it up

    • @fatimoris
      @fatimoris 4 года назад

      @DuMane Mane LOL

    • @cynthialopez8280
      @cynthialopez8280 3 года назад +1

      I’m 24

  • @TWDxKILL3R
    @TWDxKILL3R 6 лет назад +891

    A lady i work with is “car shopping” with her husband because their current car got totaled. Their insurance company wrote them a check for $5,000 MORE than what they owed on their car, and they were able to pay it off with the lender. So you know what they did? They’re going to put that $5,000 down on a brand new $50,000 car, so they’ll be in debt for 5 more years. THATS STUPID ON STEROIDS, BABY!!!

  • @michaeldalton8374
    @michaeldalton8374 4 года назад +268

    “It is no sign of health to be well adjusted to a profoundly sick society.”

    • @DavidsonLoops
      @DavidsonLoops 4 года назад +1

      wow

    • @Ramsefall
      @Ramsefall 4 года назад +1

      Thanks for the Krishnamurti quote, which passes through my head regularly.

  • @m24hel74
    @m24hel74 7 лет назад +582

    Everytime I want to buy something I watch one of these rants, some are classics.

    • @eyelashalot
      @eyelashalot 7 лет назад +15

      i like this idea, i can see this helping a lot lol.

    • @Papeeshka
      @Papeeshka 5 лет назад +2

      m24 hel good idea!

    • @ivarlosna6516
      @ivarlosna6516 5 лет назад +10

      Every time I want to buy something I figure out the original hourly cost of it.

    • @LiesOfJoe
      @LiesOfJoe 5 лет назад

      Jose

    • @perennialrose4096
      @perennialrose4096 4 года назад

      Great tip!

  • @tkordik
    @tkordik 7 лет назад +791

    "I'll tell you what's in my wallet - MONEY!!" Haha I love it. Since being debt free, I have more accessible liquidity than ever before in my life.

  • @JustActNormal
    @JustActNormal 4 года назад +344

    The problem is parents. So many people don't teach kids about financial responsibility.

    • @123lexlex123
      @123lexlex123 4 года назад +65

      Parents can’t teach something they don’t know themselves.

    • @tanitrarobinson7477
      @tanitrarobinson7477 3 года назад +20

      I'm an educator. Parents can't teach what they don't know. However, they can always go and get the knowledge to know, be & do better! I believe financial literacy courses are now being offered in middle/high school.

    • @MissBlossem
      @MissBlossem 3 года назад +6

      Its easy to blame parents.

    • @bobbybobby6906
      @bobbybobby6906 3 года назад +6

      This will change now that the Internet is popular.

    • @barbielikeshermilk
      @barbielikeshermilk 3 года назад +2

      Preach.

  • @MisterBinx
    @MisterBinx 4 года назад +86

    I'm paying cash for my engineering school. It's expensive for every term but all my money goes to it. I don't go out on weekends. I wear old clothes. I eat cheap meals. I sold my car and pay rent to my parents. For some reason it just angers people lol. Like I'm not doing it the way they do it. It's bizarre to me.

    • @alycewich4472
      @alycewich4472 3 года назад +5

      @MisterBinx GOOD FOR YOU! You'll be laughing all the way to the bank while others are still trying to figure out their payments on things they couldn't afford!

    • @angelinecatteeuw
      @angelinecatteeuw 3 года назад +3

      It angers them because they are reminded of what they should have done/should be doing 😉

    • @Musicienne-DAB1995
      @Musicienne-DAB1995 2 года назад +3

      I strongly suspect that anger is coming from jealousy.

  • @Blancaamezcua103
    @Blancaamezcua103 7 лет назад +728

    Yes. I love being weird. My husband and I are one mind in the same. Being a team is how we are doing it even better.

    • @simonsphones
      @simonsphones 6 лет назад +10

      Blanca Amezcua I wish I could say the same :(

    • @rrrtripler
      @rrrtripler 6 лет назад +3

      That’s the key! Trust!! But you gotta build to that point. Should be easy. Use your head

    • @nathanielaranda8407
      @nathanielaranda8407 5 лет назад +1

      amen!! :)

    • @stpeter2214
      @stpeter2214 5 лет назад +7

      Blanca Amezcua l respect a woman who teams up with her hubby. Incredible l have never been that lucky

    • @shyanndestiny2462
      @shyanndestiny2462 5 лет назад +2

      Love this

  • @ozarka1110
    @ozarka1110 7 лет назад +433

    Dave because of you I will be a millionaire one day. Thanks.

    • @jeffbridgewater8093
      @jeffbridgewater8093 5 лет назад +26

      Not because of dave. You will be a millionaire because of you! and what you did! Congratulations.

    • @ivarlosna6516
      @ivarlosna6516 5 лет назад +5

      "Millionaire" is so relative to currency. I was a "millionaire" within the first four years after I started taking money serious. But that was just $150k US money and the price of a very small apartment in my country at the time, but I had paid it down, and yes I TOOK A LOAN. After that me and a friend started a tire changing side business. Hard work but we made on average about $80 each an hour 14 hours a day for a total of 6 weeks a year. I made as much on that than I made the rest of the year working night shifts. Then we funded a business that did well, the cost was just under $100k, they couldn't afford it but they had a plan we believed in that the banks didn't. Now I have over a million $ and I'm about to retire and move to somewhere cheap. I might get tired after a few years and go back, but why not, I'll still be under 50.

    • @docness7
      @docness7 5 лет назад +2

      Big facts.

    • @startingtech3900
      @startingtech3900 3 года назад

      UPDATE

    • @faridkent956
      @faridkent956 3 года назад

      Have you be millionaire now?

  • @kareonfang
    @kareonfang 4 года назад +166

    "I engage in weird activities and I get weird results and that's called Money"
    I needed to hear this. Hard-hitting realities.

  • @JShan32
    @JShan32 4 года назад +208

    “They’re better at marketing than you are at living your life..” yikes 😬

  • @Unique-pw9tt
    @Unique-pw9tt 7 лет назад +304

    I love Dave. Nobody in my life talks like this.

    • @kylerider7125
      @kylerider7125 6 лет назад +11

      I try having financial conversations with my friends and they say but taking out a loan is just the American way or our culture. And it drives me so crazy.

  • @b3959
    @b3959 6 лет назад +247

    I dress broke everyday before work I dress in a t shirt and jeans. I know I have money in my bank to buy new clothes but I'm choosing to be safer financially.

    • @Repent44
      @Repent44 4 года назад +17

      too busy to care I was the same way when I went to school I could’ve went with new shoes every week but I don’t care what anyone thinks bc I know what I have

    • @sebaj8386
      @sebaj8386 3 года назад +3

      Go to Walmart and buy cheap clothes lol

  • @ethelbertjohn3845
    @ethelbertjohn3845 3 года назад +122

    I love Dave Ramsey his raw, now I rather be weird than be normal. Personal finance is 80% behaviour and 20% knowledge that going to stick with me forever.

    • @brianrosetti4684
      @brianrosetti4684 3 года назад +9

      This like a huge warning for those who like to waste money.

    • @farisnajmibahari5468
      @farisnajmibahari5468 3 года назад +4

      His shows are always very inspiring..

    • @annabelwillemse6997
      @annabelwillemse6997 3 года назад +2

      Watching these just made me realise my financial mistakes.

    • @skyauden2522
      @skyauden2522 3 года назад

      I wished I started an investment earlier I won't have been in much debt like I am now.

    • @markcyrus7898
      @markcyrus7898 3 года назад

      @@skyauden2522 it never to late to start something for yourself, there are so many opportunities out there. You can decide to own a stock trading portfolio and buy up paying stocks like I do.

  • @hollywood5199
    @hollywood5199 Год назад +5

    I prayed for Biblical financial advice and God sent Dave Ramsey. I now have more peace.

  • @joshuamorris2908
    @joshuamorris2908 7 лет назад +427

    Most people look good and they are broke....being broke is no fun!

    • @mac1bc
      @mac1bc 6 лет назад +34

      Joshua Morris having money and looking good is even better!

    • @cmocavs2241
      @cmocavs2241 6 лет назад

      Joshua Morris
      True bro

    • @lindavel43
      @lindavel43 5 лет назад +25

      @@cmocavs2241 True. My cousin worked at the bank. She had these "poor" looking people come in and they would have over 100 k in the bank. Then she had these people with them nice purses, and awesome clothing. But, had almost nothing in their account. I'm glad I found Dave Ramsey, so I can act my wage.

    • @rosasantana725
      @rosasantana725 5 лет назад +6

      @Pulling the Strings yeah right we all die anyway, but I don't want to keep paying debt till I die and never enjoyed full pay check. Also I want to give my kids wealth when I die..not debt!!

    • @debrawilliams7983
      @debrawilliams7983 4 года назад +5

      Joshua Morris The broker they are, the better they look

  • @WholeHeartily
    @WholeHeartily 4 года назад +87

    “I’ll tell you what’s in my wallet... MONEY!” 😂

  • @tthomaselli2
    @tthomaselli2 4 года назад +77

    "When the culture has lost its way, the best thing you can do is be the opposite.".
    --Dave Ramsey.

  • @eatnplaytoday
    @eatnplaytoday 4 года назад +29

    I've had a couple of acquaintances when they got promoted, they went out and got new cars with payments and all. One of them revealed to me that she only had $10k in retirements and said she wasn't able to save much yet and isn't even thinking about retirement yet.. She is almost 15 years older than me.
    Good thing I'm weird at work. I always talk about being frugal, saving money, paying off debt. And guess what, I'm getting more people to jump on the weird band wagon! The other day my supervisor admits she got another job to help her pay back her credit card debts and then she said she's going to try the Yin frugal way of living! 😊 Being weird is good.

  • @jasonleis3965
    @jasonleis3965 2 года назад +28

    There’s nothing wrong with being weird. Just remember to save your money and when the hard times come ( it won’t really effect you)

    • @markwhittaker6866
      @markwhittaker6866 11 месяцев назад +3

      Exactly.
      You hit the nail bang on the head.

  • @gjmbarusha6999
    @gjmbarusha6999 6 лет назад +240

    I can pay cash for a brand new Tesla, but you’ll see me at Goodwill the first Saturday of every month. I must be weird too. By the way, I drive a 2005 Toyota Camry with 195,000 Miles. I paid $1800 for it.

    • @shah1668
      @shah1668 5 лет назад +4

      wow. that's dirt cheap. in my country, those model at the same year are worth 30k+ in our currency. my country are among the top of a household debt in asia. we even have a 9 year car loan payment, which lot of people can't avoid it.

    • @du-gu2mm
      @du-gu2mm 5 лет назад +1

      @@shah1668 u from phil

    • @shah1668
      @shah1668 5 лет назад +1

      @@du-gu2mm i'm from malaysia

    • @GoogleAccount00
      @GoogleAccount00 5 лет назад

      🎯🎯🎯

    • @capemaxi
      @capemaxi 4 года назад +6

      Gilbert Mana , did you know that Goodwill is not a charity, but is a profit making organization. Goodwill gets free donations and then resells the stuff for profit. Might want to check out true charity thrift shops.

  • @sarmatiancat-a-phract8705
    @sarmatiancat-a-phract8705 4 года назад +51

    "The only way to win is not to play"

    • @sarmatiancat-a-phract8705
      @sarmatiancat-a-phract8705 4 года назад +6

      @Jermain Roberts You could play a different game though. You can always play a different game.

  • @rachelrochelle3714
    @rachelrochelle3714 3 года назад +22

    I wish my relatives could understand these concepts. They think I’m odd for living below my means and planning for my future.

  • @fpl_bailey
    @fpl_bailey 7 лет назад +72

    "they know what kind of bottle water you drink" 😂😂😂😂 completely true, no coincidence that as soon as you look at something on certain sites it pops up everywhere as ads on every page you visit

  • @fightingbear8537
    @fightingbear8537 7 лет назад +158

    I listen to this video every time I am tempted to spend above my budget!

  • @MissAtson
    @MissAtson 3 года назад +17

    There is nothing like a Dave Ramsey rant to make your day 😂😂

  • @samwasserman1837
    @samwasserman1837 4 года назад +56

    “When the going gets weird, the weird turn pro.”

  • @MadisonWestfield
    @MadisonWestfield 7 лет назад +131

    I was once one of those dummies who was all about stupid airline points on your credit card. All it got me was a pile a debt. Thanks Dave for making me see the light! I am on my journey to be the weirdest MF I know.

    • @mikenelson8377
      @mikenelson8377 7 лет назад +11

      Madison Westfield I admire that you admit how dumb you were with believing credit cards have your best interest. But I LOVE that you got out of that mess forever.

    • @MadisonWestfield
      @MadisonWestfield 7 лет назад +7

      Mike Nelson thanks, Mike 😍👌🏻

    • @mikenelson8377
      @mikenelson8377 7 лет назад +5

      Madison Westfield and you're really pretty 😍😍

    • @stevend481
      @stevend481 4 года назад +8

      Well if you use them right you can travel for free and not be in debt

    • @woods8523
      @woods8523 4 года назад +5

      use the credit card like a debit card and youll never have a problem

  • @alliWLC2013
    @alliWLC2013 7 лет назад +235

    Credit cards are DUMB!! I did my debt free scream 2 weeks ago and I am loving every minute of being debt free! Dave is my hero

    • @1vonnielynn
      @1vonnielynn 7 лет назад +1

      alliWLC2013 congratulations!

    • @successfulpeoplemindset9768
      @successfulpeoplemindset9768 7 лет назад +4

      alliWLC2013
      Debit card is not bad it that people do not know to control their self I personally believe credit card has benefits

    • @alliWLC2013
      @alliWLC2013 7 лет назад +6

      Successful People Mindset ....like Dave has said, using credit cards is like playing with snakes. I am not going to take that risk and fall into temptation. My only debt was student loans, but I've seen friends and family overspend with credit cards and they felt they were being smart. So the only thing in my wallet is money like Dave says.

    • @successfulpeoplemindset9768
      @successfulpeoplemindset9768 7 лет назад +1

      alliWLC2013
      Grand Cardone and robert kiyosaki say credit card is good thing by they way those 2 people are way more successful than Dave there net worth is higher.

    • @alliWLC2013
      @alliWLC2013 7 лет назад +7

      Successful People Mindset well I follow the rule "cash on the barrel head". I will save up and pay for things I want in cash, like my grandparents did. Life for me is less stressful since I have minimum bills and I don't owe anyone anything.

  • @philos_theos
    @philos_theos 2 года назад +12

    Dave: "I'll tell you what's in my wallet, money!"
    Haha I love it. Awesome.

  • @truthwillprevaila8852
    @truthwillprevaila8852 Год назад +8

    Thank you Sir for making us millionaire by age 40 y/o.
    I’m an immigrant came to US with $100 on my pocket. I carry my education with me and get a job. I made mistake and stand up and restart again.
    Since we discover your teaching we enrol in FPU and our life change, thank you for your guidance and wisdom.

  • @jamesitoahalf-japaneseguy5526
    @jamesitoahalf-japaneseguy5526 7 лет назад +361

    I'm proud of my off-white car door on my 98 Camry.

    • @firstelaste908
      @firstelaste908 6 лет назад +17

      James Ito I had young chicks getting into my camry cuz I had more money and commonsense than the newcar guys

    • @scoobydoo7346
      @scoobydoo7346 5 лет назад +1

      James Ito lol.

    • @youngjedi5599
      @youngjedi5599 5 лет назад +10

      I have a 97 Camry.... 164k miles

    • @godisawesomestudios9583
      @godisawesomestudios9583 5 лет назад +2

      Nice

    • @NELSONG12
      @NELSONG12 5 лет назад +4

      I have a 1997 with 133k miles and it does what I need :)

  • @kittybitmeagain
    @kittybitmeagain 4 года назад +8

    15 years ago my brother called me "weird" because I had a savings. It hurt my feelings. Dave made me feel better by using the same word. Thanks Dave!

  • @alexgreen1913
    @alexgreen1913 6 лет назад +63

    I used to be stupid with money. Never again. I want to be weird!

  • @TOOTIELUV87
    @TOOTIELUV87 5 лет назад +7

    “Figure out what people are doing , and do the opposite .”
    Best thing I’ve heard all day. Thanks Dave!

  • @MusicNumber11
    @MusicNumber11 7 лет назад +181

    Couldn't click on the video fast enough. Dave's rants are life changing!

  • @waynecase4865
    @waynecase4865 7 лет назад +61

    Can you all believe that 33 people so far gave a 👎 to this video.!?! What? Either they are broke or "stupid" as Dave puts it, or both! That's crazy! This stuff is as real as it gets!

  • @Tehui1974
    @Tehui1974 3 месяца назад +2

    I'm 49 and I've become better with money as I've got older. I'm totally aligned to what Ramsey says in this video.

  • @jacobg8640
    @jacobg8640 4 года назад +8

    This is one of the hardest thing for a young person trying to fit into an office culture. Every other day my team members ask me to go out for lunch with them and I have to be weird and decline because I'm trying to save for college. I feel like they don't understand I want to be part of the group, just not constantly spend money on group activities.

  • @polkmusic
    @polkmusic 6 лет назад +38

    If being out of debt and having money is weird, I'm all for it.

  • @LuciaCasucci
    @LuciaCasucci 4 года назад +26

    I love his honesty. I landed a high paying job and saving 30% of my income after my 401k retirement. I wanna live below what I can afford so I can accumulate wealth and financial freedom. I haven't owned a car in 4 years and thanks to public transportation or rideshare i probably never will if still living in a major city.

    • @di0xis
      @di0xis 4 года назад

      Sounds pretty normal

  • @JBO2493
    @JBO2493 4 года назад +14

    ‘When the culture has lost its way, the best thing you can do is be opposite.’ Words to live by.

  • @cutator
    @cutator 4 года назад +8

    I love how Dave is unapologetic for doing what is right. I like how he is direct and is not worried about how you feel. Its not about your feelings. Its about your actions and taking responsibility for them. Generally speaking, you will find the one to blame for your situation looking back at you in the mirror.....

  • @brantley2171
    @brantley2171 7 лет назад +47

    LONG LIVE DAVE RAMSEY!

  • @SleepChopTravels
    @SleepChopTravels 2 года назад +9

    So true, I lived in my car, moved to Mexico, live-streamed myself sleeping for tips, and I am indeed very debt-free.

  • @RafaelSantos-wz8zf
    @RafaelSantos-wz8zf 3 года назад +4

    This is my favorite Ramsey rant. It never gets old.

  • @qwertyu30
    @qwertyu30 4 года назад +3

    Glad I found your video. I AM weird!! Zero credit card debt. Paid off student loan years ago. Bike it. No car payment. No car insurance. Love your matter-of-fact delivery. Hope it helps others feel as free and weird as me!

  • @RufusR6
    @RufusR6 3 года назад +5

    I’m only 17 and I’m so happy I found Dave. This represents my whole family. Credit, student loans and other debts. While some of my family has/is paying off their debt and is doing fine, some will and have debt for their whole lives. I don’t want to be like that

  • @LyonsArcade
    @LyonsArcade 7 лет назад +46

    Dave Ramsey is still young, before he's gone I think he's going to red pill the entirety of western civilization.

    • @cadricsonia34
      @cadricsonia34 4 года назад

      ONLY US PEOPLE LIVE LIKE THAT NOT IN EUROPE HERE WE DONT MAKE CREDIT

  • @investedfemelle7564
    @investedfemelle7564 5 лет назад +54

    I’ll tell u whats in my wallet MONEY!!! 😂

  • @ZCAR355
    @ZCAR355 6 лет назад +60

    Just like my morning coffee, I need my morning dose of Dave Ramsey. Love his rants! Keeps me motivated!

  • @terriesmith8219
    @terriesmith8219 6 лет назад +151

    I use credit card for majority of my purchases and I do rack up points, the difference is, I pay off my monthly payment in full every single time. I always pay in full. So I get the mileage points and I'm debt free.

    • @plusmaster100
      @plusmaster100 4 года назад +7

      Good job. Keep it up :)

    • @rod100909
      @rod100909 4 года назад +4

      Me too

    • @anniesshenanigans3815
      @anniesshenanigans3815 4 года назад +3

      great job!! Most people don't have that mind set. If you ask around about what people are driving and what it costs them, they will tell you the PAYMENT amount, not the cash amount. I did it for many years. Getting un stupid one youtube video at a time!!

    • @M0rdFustang
      @M0rdFustang 4 года назад +1

      I do the same 😎

    • @RG-hn6dg
      @RG-hn6dg 4 года назад +3

      Credit cards are great if you pay them off every month. Just the thought of having to stand in line behind all the lottery players to pre pay for gas is enough to make me never give-up my credit card.

  • @FaithJoelle55
    @FaithJoelle55 7 лет назад +16

    My husband and I are weirdos and we embrace it! We both drive older completely paid vehicles, we moved further out in the city we live in for cheaper rent. People may think we're weird because we've taken drastic measures but we couldn't be happier!!

  • @marcnelson8907
    @marcnelson8907 6 лет назад +2

    Stumbled across this video 10 months ago. £7000 all debt paid off and £4500 emergency saved. Thank you Dave

  • @oceanbluenj
    @oceanbluenj 4 года назад +17

    I love being weird and eating my beans and rice. Thank you Dave!

    • @markwhittaker6866
      @markwhittaker6866 4 года назад

      Keeping doing what you are doing.
      The victory is bound to be yours.
      Stay blessed.

    • @reginasuarez1988
      @reginasuarez1988 4 года назад +2

      Beans and rice are healthy 😋

    • @YogaBlissDance
      @YogaBlissDance 4 года назад +3

      @@reginasuarez1988 just add some plantains and you're really good!

    • @alycewich4472
      @alycewich4472 3 года назад

      @Ocean Blue -- I LIKE beans and rice!

  • @PheneticsCo
    @PheneticsCo 4 года назад +6

    it comes down to peer pressure when we were in elementary, middle, highschool, etc..

  • @kenconcepts
    @kenconcepts 4 года назад +35

    I'm 26 and gon be rich Rich by 30. Typing this with $70 in my bank account.

    • @sugeymancia5806
      @sugeymancia5806 3 года назад +4

      Give us an update

    • @easypeasy837
      @easypeasy837 3 года назад +1

      Do you have more than 70 in your account? I need a 27 year old update

    • @kenconcepts
      @kenconcepts 3 года назад

      @@sugeymancia5806 relax.

    • @Marcossilva_1997
      @Marcossilva_1997 27 дней назад +1

      U suppose to be 30 by now, how'd it go ?

    • @kenconcepts
      @kenconcepts 25 дней назад

      @@Marcossilva_1997 Great My Brother. And How do you do? I have a design Agency now.

  • @2KCamaroZ28SS
    @2KCamaroZ28SS 3 года назад +3

    Do what you don't want to do when you don't want to do it, so you can do what you want to do when you want to do it!

  • @des1458
    @des1458 4 года назад +10

    "government will take care of you" thats a good one LOL

  • @leetraviusmckay314
    @leetraviusmckay314 5 лет назад +17

    "they spend like they're in Congress" 😂😂😂😂😂😂

  • @grownwoman1780
    @grownwoman1780 7 лет назад +79

    I don't even have a car because I'm making a true effort to pay off my credit card debt which is at $3000

    • @dylanstephens4179
      @dylanstephens4179 6 лет назад +2

      Grown Woman 3,000. That’s so great you caught it early!

    • @brebnnr205
      @brebnnr205 6 лет назад +1

      but did you FINANCE YOUR CAT in the picture?! lol JK. that's a very great idea!

  • @tanitrarobinson7477
    @tanitrarobinson7477 3 года назад +13

    People dont want to be uncomfortable or sacrifice in order to get the desired results...people today unfortunately dont want to do the work!

  • @tealforever1
    @tealforever1 5 лет назад +11

    "I'll tell you what's in my wallet, MONEY!!!" I almost spat out my coffee laughing

  • @MaestroMarinelli
    @MaestroMarinelli 3 года назад +8

    “What’s in your wallet? MONEY!” Dave’s the best. 😂

  • @genet8069
    @genet8069 7 лет назад +333

    What do I do if I'm weird and broke ? lol

    • @VideoSiteAccess
      @VideoSiteAccess 7 лет назад +79

      LOL That's me. I'm a college student who's broke but I'm weird because I don't have student loans like others. I'll always be weird but I won't always be broke.

    • @GoodLightGoddess
      @GoodLightGoddess 7 лет назад +10

      +VideoSiteAccess Amen!

    • @markg999
      @markg999 7 лет назад +27

      VideoSiteAccess I was in your shoes 15 years or so years ago...no student loan but with time doing pretty good. You will get there just takes patience and living below your means along with investing. Also marry a spouse on the same page as you.

    • @garriottdavid0306
      @garriottdavid0306 7 лет назад +4

      Mark G You have no room for advice when you said in your other post you use a CREDIT CARD proudly and you save 60%. Your a real winner watching the Dave Ramsey videos when you don't believe in nothing he says. Remember me you IDIOT? Lol

    • @markg999
      @markg999 7 лет назад +10

      +DAVID GARRIOTT Sweet I have a fan that follows me around nice to know ha. I said you can save and have a cc I know it's a crazy concept for a simpleton like you David. I agree with 95% of what Ramsey says. Now scram scrub.

  • @mindyg.5546
    @mindyg.5546 2 года назад +11

    I listen to this often. Such a great motivator. Thanks Dave for all your knowledge!!

  • @yellowannie22
    @yellowannie22 5 лет назад +2

    I LISTEN TO THIS EVERY MORNING AND " TWICE" THE DAY I GET PAYED!!!
    REMINDS ME WHAT IT IS I'M DOING.
    BECOMING A MILLIONAIRE !!!!!!!!!!

  • @stylist824u
    @stylist824u 7 лет назад +56

    At 34 I've made so many financial mistakes. It makes me sick to my stomach, that I'm financially ok now, but because my credit it screwed up I can't get a house!!!! I'm tired of renting, living in apartments, the noise, the aggravation. Basically, being irresponsible. Like my Dad said " having bad credit, is like having a felony" you can't do or get anything out of the normal.

    • @kw9299
      @kw9299 6 лет назад +4

      It took me about 4 years to rebuild my credit after making poor choices. I tried to get a car and my score was 399, I said "I thought the score started at 450?" I was in bad shape. But all is well now, credit wise...still have debt. That's why I'm watching these videos.

    • @cmale123
      @cmale123 4 года назад +1

      You need to finance. You still worrying about how to spend this and buy that. Your mindset had not change. You worry about credit score when that is not worst of your worry.

    • @chrisrawls8328
      @chrisrawls8328 3 года назад

      I had 11 items deleted after 7 years..

  • @TWDxKILL3R
    @TWDxKILL3R 6 лет назад +89

    "They don't act their wage". Lol

    • @kwakuapp878
      @kwakuapp878 4 года назад +1

      TWDxKILL3R I call it BEING DEBT FREE SLANGS. He got lots of Jokes and I love them. Haha

  • @helenbreakiron6001
    @helenbreakiron6001 4 года назад +65

    "Don't try to live a champagne life on a koolaid budget"

  • @edwinjaehnig1699
    @edwinjaehnig1699 4 года назад +9

    "I'll tell you what's in my wallet, MONEY!!" 😆

  • @Hey_its_Koda
    @Hey_its_Koda 7 лет назад +25

    "Big Hat. No cattle." lol

  • @briangarcia3012
    @briangarcia3012 6 лет назад +80

    me and my gf owed 12,000 in the begining of the year i discovered dave ramsey and now we will be done by december this year as we owe only 3,000 left !

  • @erikaorr1913
    @erikaorr1913 2 года назад +1

    “They are better at marketing, thank you are at loving your life!” ❤️❤️❤️❤️❤️❤️❤️❤️❤️

  • @maxinef6654
    @maxinef6654 6 лет назад +13

    Dave your rants are the best. Keep them coming. 😂

  • @dewaldj
    @dewaldj 7 лет назад +85

    showing this to my wife right now

    • @mentalcircuspodcast1254
      @mentalcircuspodcast1254 7 лет назад +29

      Dewald Jonker she won't listen lol

    • @pontiachotshot
      @pontiachotshot 7 лет назад +18

      Mine didin't for the first year.I still kept going and she came around after she stated seeing the results.Funny how that works.

  • @ouvickie
    @ouvickie 7 лет назад +19

    I love that phrase, "They don't act their wage!" hahaha!

  • @emmanuelo1177
    @emmanuelo1177 4 года назад +3

    RUclips recommended this. Never heard of him. The best gift of my year so far. I love the way he speaks so raw. He is not here to please your emotions but to tell you facts.
    I'll have to Google about him now :)

  • @lawoman6866
    @lawoman6866 4 года назад +3

    "They're not acting their wage!" I LOVE that. so true!!! I'm glad I woke up at age 40 and fixed my mess. Now I'm 50 and living easy and sleeping well at night.

  • @Leon-kg9pc
    @Leon-kg9pc 7 лет назад +34

    One thing I regret is buying all the stuff I did and how little cash I have to work with. Now that I'm 28 years old, I understand how powerful it is to have spare cash to be able to invest. The only good thing is that at least it's not too late for me. By age 30, I plan to be debt free and start paying cash.

    • @Chrisstian111
      @Chrisstian111 4 года назад +3

      It's ok to make mistakes in your 20s...you have plenty of time to make changes now to live how you want to in the future. ;))

    • @Kickknowl3dg3
      @Kickknowl3dg3 4 года назад +1

      2 years later Leon. I hope your in a better position

  • @granitemoss1451
    @granitemoss1451 6 лет назад +3

    My current weirdness- I look forward to paying the mortgage each month. Seriously, once we hit that last payday of the month, I can't get online fast enough to make that payment, including a healthy extra chunk towards the principle. Then, the next morning, I log back in to look at and record the new balance on the mortgage. Love, love, LOVE watching that sucker plummet month over month. Less than 5 years to go, give or take! Feels like it will take FOREVER, but we'll get there.

  • @ericpaz2854
    @ericpaz2854 Месяц назад

    These videos are timeless! 7 years later and still spot on. I wish every pre/post college kid could understand this instead of trying to keep up with the Joneses. I sure wish I understood it at that point in my life but you live and learn.

  • @mejungleeone
    @mejungleeone 6 лет назад +4

    I had only one loan, a car loan. I regret it every bit that I made this stupid decision 2 years ago. After discovering Dave and his smart advice I decided to pay it off this summer just by saving as much as I can from my income. Thanks Dave.

  • @eelikh
    @eelikh 7 лет назад +20

    Absolutely love these videos! Dave is the only one who will tell the hard truth.

  • @doggieboy773a
    @doggieboy773a 4 года назад +6

    "Big hat no cattle" I like that quote

  • @wanderdias6645
    @wanderdias6645 4 года назад +1

    I don't know how I got here, perhaps this is what I needed to hear today, already a subscriber.

  • @adrianaavila8853
    @adrianaavila8853 5 лет назад

    I appreciate how short these are (less then 10 minutes). Very straight to the point. Thank you so much!!

  • @startingtech3900
    @startingtech3900 3 года назад +4

    DAVE SOLD MY 2005 mustang w ridiculous payment and insurance and bought a 300$ bmw. Been saving and listening to the podcast. I’m ish rn need to go all the way

  • @frhythms
    @frhythms 7 лет назад +25

    Just discovered this man and his channel ... love it !

  • @broadstreetsportstv795
    @broadstreetsportstv795 4 года назад +2

    This is the way the truth should be spoken. I’ve never heard of this guy before, but in subscribing now.