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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

"Act your wage!" Love it...

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

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

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

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

I respect this guy because he gives it to YOU raw

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!!!

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

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

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.

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

"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.

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

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.

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

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

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.

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.

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

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.

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

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

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.

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

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

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

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

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

"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

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.

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)

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

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.

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

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

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.

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!

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

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.

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

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!

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

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.

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.

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

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

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.....

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

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!!

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

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

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

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.

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.

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

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

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

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

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

LONG LIVE DAVE RAMSEY!

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.

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

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!

Success is increasing the gap between how much you earn and how much you spend....Alot of people what to earn more to spend more, as soon as they get a promotion "oh Now I can lease that Audi @ $600/month"

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

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

I was sooooo broke once that I ate only bread. Then, I vowed to always have $100 in my bank, then $1000, now, I will never have my bank account lower than $10000.

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 !

Preach! All these people opening credit cards just for air miles/points, bragging up their Chase Sapphire and Delta rewards. Nope, not me. I stick to my debit card and one credit card, used only when needed (e.g., business travel, big ticket purchases). Like Dave said, I've never met anyone get rich from credit card churning.

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

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

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

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

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

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

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

KZfaq 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 :)

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

I am 18, with not debt, and large savings. I just bought my first car for 2700 all in cash. And no mommy and daddy didn't buy it for me.

Dave you’re right about a lot, however, my millionaire uncle uses his airline rewards credit card for almost everything - especially for expense paid trips from work. In this case, he is getting a great monetary deal because he is being reimbursed for flight charges he pays on the card that the company ends up covering. Therefore, reward credit cards are NOT always bad. It really depends on how you use it.

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

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

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

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

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

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.

I'm not sure if I completely agree with the whole "no credit cards" thing. Of course, I don't know nearly as much as Mr. Ramsey, but here's my two cents: I do agree that these credit cards are designed to get people to spend more than they physically have (since they're making money off of the interest and your credit card debt), but if you're smart enough you can actually use this to your advantage. First of all, Discover offers 5% cashback. Now, I know, it's dumb to say that "Oh, I'm going to spend 100,000 dollars so that I can get 5,000 dollars". But think about it like this, if you just pay your bills on time and, therefore, don't accrue any interest (and spend reasonably), every time you *wisely* spend 100,000 dollars, you basically get 5,000 for free. Yeah, it seems like peanuts, but this stuff adds up. If you're smart with your money, you're basically earning extra cash just for being sensible. Secondly, the ability to spend money you don't have yet actually improves your purchasing power. This is a bit of an abstract concept, but purchasing power is not just about how much money you physically have - there's also the factor of time. For example, let's say you want or need to buy something and you receive your paycheck next week, you can buy the item right now and pay it off once you receive your paycheck (obviously, assuming that the sequence is that you buy before you receive your paycheck which is all before you pay off your monthly bill, which is before the due date) The third and huge advantage of paying with your credit card is building your credit history/score. If you ever need to take on a loan, having a really good credit history/score will make you qualified for the best possible interest rates which, in turn, means you save more money. Also, as an added bonus, credit cards have really good purchase protection.

"I'll tell you what's in my wallet: MONEY!!!" LOL! Fabulous.

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

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

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

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

Discover card gives you 5%-10% cash back. If you only use the card on things that you were going to buy anyway such as Gas, Food you can actually save. IF you are paying the card off every month you can save. If you spend 100 bucks and get 10% back you only pay 90 on the card and keep ten. Simple math and money management can allow it to work for you.

Dave, lot of self-made millionaires use credit cards but they are disciplined with their spending. It’s not the plastic card that makes you broke it’s the behaviour.

"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.

"Big Hat. No cattle." lol

"They don't act their wage". Lol

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