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I paid off 10k of debts, and now have a 5k emergency fund! I make 38k a year. It’s possible. I’m a 23y male, and I own my own home

I have been divorced and very low income and followed you from 2005 to 2017 and paid off over $50K in debt except for car. Remarried in 2017( STILL FOLLOW YOU) my fiance had over 400K in debt and was upside down with his bills and income. I taught my fiance the budgeting methods and debt snowball BEFORE MARRIAGE. I helped my fiance set up a budget for his finances Before we combined finances(late 2016) bought my 14 YO daughter you video series for children- NOW 2024 and married 7 years. We are budgeting monthly and currently contributing 15% to our 401Ks and 50% extra on our house should be paid off no later than 2029. I am 58 and 70% disabled. YOU CAN DO IT!

Everyone’s been preaching investing lately as a source of passive income but with a 70 hour weekly jobs and limited knowledge of financial instruments, how can I actually stay on top of things, I see every KZfaq video saying BUY BUY! But when and how do I sell for profit at the right time?

Asian here. I sold my $9k car to get out of debt. Thank you Dave and team❤

My husband and I listened to the money game before it was even financial peace and Dave Ramsey. We listened every day for decades . we followed all the baby steps. the way we made it not hard was to treat it as a grand adventure, a complete competition, we kept colorful charts up on our refrigerator. We ended up with 3 foot high stack of notebooks filled with every expense down to a stick of gum, we got cookbooks from the library and pennypinching books from the library we incorporated every reasonable cheapskate habit we could. we learned so many life hacks that we continue to use today. we can cook about every cultural food there is practically from scratch now. we shared our journey with everyone. of course, back then everyone thought we were nuts. There was no KZfaq and minimalist lifestyle back then. when we bought our foreclosed condo and paid off the 10 yr mortgage in two years and 11 months, all of a sudden we became the money experts in the family. Our families and friends still live a lifestyle that is more lavish than ours and have significant debt but we have plenty and sleep peacefully. The Yolo lifestyle just became so meaningless and shallow to us over the years. The pleasure of our charity work now is beyond measure.

I am turning 43 this year! How I wish I followed Dave Ramsey from the beginning I hear about him. Now, I sm drowning from debt & just now get a second job and hoping & praying that I can get myself out of this misery. Baby Step 1 here I come. 🙏

i started tearing when john was talking about not being able to breathe. good lord… spot on. hoping i get there soon.

We are on Baby Step 6...Baby Step was 2 was the longest and hardest, but it was worth it! We now work from home and own our own business!!! Thank you Dave!!!

“If behavior is the getaway car, belief is in the driver’s seat” is my favorite new quote. Thank you, Jade.

The $60,000 house in the 70's was paid off on a $2.50 an hour job. FYI, The average person in the 70's did not use or have a credit or debit card.

Whenever i am being tempted to buy new car.. I just watch dave ramsey😅😂😂

Jade is the energy that this platform needed!! Very refreshing!! Go Jade!!

I'll have our van paid off in April. I am NOT getting a new car like I used to do. I'm going to keep my van with NO car note until the wheels fall off. This will free up 600 a month for us, one less big bill to have to pay.

Thank you for the incredible inspiration,I’ve been paralyzed in my thoughts since I lost my husband,we had much support while he was ill for 19 years. I chose to quit my job because my health was compromised trying to care for him at home along with my children. I know I made this decision on purpose because I felt God was calling me to trust in his providence. I am mortgage free , no car payment. I’m only 61 and I had to go on SSDI,I’ve been working on trying to find ways of alternative income. Gods Word is powerful,and he calls us to trust when we don’t have definitive direction. Your video was great to listen to , I will continue to watch your podcasts and with the Good Lord’s help ,start writing a new chapter of my life.

Even when you’ve reached baby step 7 or in the process of the baby steps, listening to these guys preach the same thing every single week every single year should be enough to prove that anyone can do what they say and be in a much better place not just with money, but everything else too

Got half way through and realised I’m not going to change my financial situation by watch another KZfaq financial talk. So, off my butt, got all my bills together, bank statements etc and got to work sorting out reality and aiming for freedom. I’ll watch the other half later, promise!

Hearing someone else say that keeping up with the Jones's is stupid and to live like nobody else now so you can live like nobody else later is reassuring. Self-image is huge in society now. The type of car I drive does not dictate my worth. If I focus on what makes me happy and not someone else I can succeed. I'm 26 and not in any debt. I plan to keep it that way no matter what anybody says! I hope this mindset stays with me throughout life and becomes concrete. Thank you guys for your wisdom and support! Keep it up!

You have changed my mindset about money, I appreciate you all, you have helped me so much I got out of 18k of debt thanks to you by july! Whenever I started to think "I want" I went back to your podcast thank you so much I now have the "no" muscle.

I really appreciate hearing Jade use Bible verses to drive home her point.

So good. My husband and I are doing baby steps 1&2 this year!!!! Every penny counts when you only make 20k a year

Thank All You Guys For This!!! 2024 Is My Year Of Complete Change! You Guys Changed My Life!

Jade gave such a power speech. It honestly spoke to me Thank you Jade❤

I was about say if I can lose weight I can start to pay down these dumb credit cards it’s a lot of discipline but it is very similar. Plus lots of times weight loss helps with not eating out so there goes that habit 👍🏼

Ever since I started watching Dave Ramsay videos on KZfaq, it has helped me tremendously just being better financial state and just understanding the importance of being out of debt having money saved like yeah I was taught that but I didn’t start realizing that until I got older

Choose reality and choose freedom! This team is awesome! Thank you for everything you do to help others!

Thank you Dave , I paid off my debt because of your show.

I am tired of being broke and in debt! This is an American nightmare!!!! I need to be a multi billionaire! That’s my American dream!

Wonderful and I am such a massive Rachel fan she is amazing. Her public speaking and delivery and charisma is 100%

I’m getting a lot of value from the Ramsey content, I just wish they would cater more internationally, so many of us aren’t in the US

Thankyou, All of you for your time! Very inspiring, found you about a month ago and on step 2. Very hopeful for the future!!! 😊😊😊

Thank you Jade ❤ Your words the last 15 minutes of the show are dripping with power, revelation, and truth. I have been a case study for “all hype no fight.” When those barriers are in front of me, I’ve retreated too often. I need to be more reflective in evaluating what beliefs are driving my get away car, and I need to be brave enough to press the gas when the barriers are in front of me - no more retreating back to the things that are devouring my quality of life.

❤choosing to live debt free about 35years ago was the BEST decision I ever made!!!🎉😊

I'm glad they have added paycheck budgeting to every dollar!!!!! I work on commission and this will now be a tool I can use. I will give it a try! Thanks you Ramsey folks.

I'm only 10 minutes in and this is hitting home already. Him speaking about his family being alseep while he's wide awake is crazy. I just experienced this...

John absolutely killed his segment

I’m new to this channel and cannot get enough of it. Extremely helpful and motivated me to focus on what’s best for ME

My way of thinking when it comes to money has completely changed im trying to get out of debt and stay out of debt for me and my children . Thank you and your team for all you do ❤

Thank you for all the amazing advises. Here we are leaving reality and pushing forward until we hear the sound of freedom. God bless you all and please keep helping us out.

Thanks for sharing your knowledge, my wife and I are debt free and love the feeling and peace of mind ❤ God bless

Thank you so much for all you all do. I appreciate it so much. I started the baby steps and have my $1000 emergency funds in my savings account. Now, I am working on the snowball method. Had a small setback, lost my job, but not given up. I appreciate the knowledge that you have shared.

Love the Live stream being connected to so many others that share the same passion to change.

This was so uplifting and helpful! Thank you! Will be budgeting tomorrow!!!

GREAT SHOW!! BEEN LISTENING SINCE I WAS 17 YEARS OLD! NOW 28 DAVE NEVER GET OLD

John's argument about freedom is so interesting to hear (and true), because car's seem to be much more important to people in the US than in many European cities where many people are fine without.

This was a truly AMAZING live stream. Thank you SO VERY MUCH.

Last speaker really is awesome, give her a raise. Really trying to break my beliefs on money.

Loved Dr. Deloney's speech!

Thank you Mr. Ramsey, for all that you do!!!

Dr. John Deloney is downright awesome. Too many folks scared to suck it up and face the reality!

i am actually from canada and i love the ramsy show so much ..i really need it for life

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.

It’s unfortunate that for a company as big as Ramsey to charge individuals annually to utile budgeting app and resources. There are probably many individuals that could benefit from these resources to help them get started on the financial journey but if they are already living paycheck to paycheck the likelihood of them paying annually for a budgeting app and resources are slim.

Love you all ❤Hubby and I took Financial Peace 2wk into being married and 8yr and 4 kids layer, we're debt free aside from our mortgage and we're so thankful for Dave steering us in the right direction ❤️

Thank you Dave, Rachel, Jade, John, and George!!! You're doing a good work!

This is a great message. I think this message gives motivation and the tools for financial change, and success, and this message can be applied to other things. Now it is up to the individual to apply the steps. Thank you, Dave Ramsey, Dr. John Deloney, George Kamel, Rachel Cruze, Jade Warshaw, and the remaining Ramsey team that helped create this video.

George cracks me up every time!!! Narnia 😂😂😂😂 this was great!! Learning with humor keeps the audience engaged!!

Loved this! Thank you for making it available for everyone

Here are the winners of Tonight's $1,000 Cash Giveaway Winners: Erik A. from North Dakota Brenda B from Nevada Jeana D from Michigan Lisa R from Georgia Jessica E from North Carolina Lori K from California Erica M from Oregon Tammy F from Illinois Alejandra V from California Kristy O from California

Sometimes I wish I had debt just so I could do your plan. Unfortunately I have lived on a budget since high school and now happily retired. Still enjoy listening to you.

Thank you! Awesome live stream

You guys have done an amazing job on this livestream today! Very proud of Dave and the rest of the team. Look how far you've all come! Keep spreading your word. You're making the world a better place!

Thanks for what you and your company do

So who were the giveaway winners?

This was an amazing livestream! I have been a follower of Dave for years.

Absolutely loved this! Thank you

Thank u all for ur time!!

Tonight's Winners are listed below: __________________________________ Tonight's $1,000 Cash Giveaway Winners: Erik A. from North Dakota Brenda B from Nevada Jeana D from Michigan Lisa R from Georgia Jessica E from North Carolina Lori K from California Erica M from Oregon Tammy F from Illinois Alejandra V from California Kristy O from California Congratulations to all, and good luck to everyone else in the future!

Thank you!!

Thank you for the encouragement!!

Thank you for the live event!

Thanks for uploading the video, I missed the live.

Tonight's $1,000 Cash Giveaway Winners: Erik A. from North Dakota Brenda B from Nevada Jeana D from Michigan Lisa R from Georgia Jessica E from North Carolina Lori K from California Erica M from Oregon Tammy F from Illinois Alejandra V from California Kristy O from California

Thank you for your encouragement and wisdom.

Thank you for this teaching & pep talk! I've listened for years but never really changed! Hoping this time I can work this plan❗God Bless❗

I closed all my credit cards last year. I was so indoctrinated it felt like i was making the wrong move, or that it was a mistake. I know it was right in the long run!

Great show, thank you Ramsey team

Thank you Ramsey Crew!!

I heard about Ramsey through our Westgate Church. I have been following his show and he has been very helpful. Thank you!

I plan to rewatch a second time for extra motivation!

That was very encouraging, eye opening great tools thank you for sharing

Thank you for sharing your passions!

Wow 🤯 thank you 🙏 🎉 from today I claim 2024 is my year of financial freedom and happiness with my family ❤

Thank you for so much positivity. I wish I could tune in to this positivity ALL the time. I don’t care if it’s an infomercial I’m in England and I doubt the dollar app would ever work for me but it doesn’t matter. With all the negativity right now this is a wonder.

Thankyou, Dave and all of you. Excellent livestream, and my husband sat almost through the whole thing! At least now he knows what I am doing, and why things are improving. 💕

Very encouraging, thank you!

Thank you, sir! Thank you, Ramsey Solutions!

I am realizing that not only do I need to do a monthly budget but when I go to spend that money on groceries we need to plan out that budget our meals for the week which can be a challenge. Especially when we are constantly on the go. One thing I plan to start doing is using cash instead of my debit card(leave it at home) because instead of us sticking to that set amount we are more likely to go over it but with cash only I stick to my budget way better. The app and Ramsey plus has helped us payoff over $53,000 (50%of our debt) and our entire Wedding was paid for in Cash. This year we are determined to get completely out of debt but a few tweaks are needed still and going directly to cash on those flexible costs like groceries and gas I think might help us.

Everyone is more concerned about the winners of the cash giveaway than the actual content of the livestream 🤦🏻‍♂️

Enjoyed. Hope to rewatch again to get more focus on select topics!

I love watching these as I do things to better my life. Creating websites, starting businesses etc

Wow Dr John knocking it out of the park ⚾️

SO REFRESHING! Thank you so much to the Ramsey Team for everything you do! I am so excited for 2024 to help me budget and save.

Barring a unforseen disaster, 2024 will be the best year of my life. Almost through babystep 2. I dabbled with the babysteps for years. 2023 we finally got serious and our lives changed. There's hope folks, but it takes hard work and sacrifice

Scary, but needed!! Tired if this cycle!!! Thank you!!

This was awesome! Great work team!

For those who may be wondering about bills that peak and troph like for electricity in winter vs summer… I have found that using my MAXIMUM bill for the year is my budget every single month that way there are never surprises. But the amount isn’t so substantially off that it takes away from money that you could be throwing at debt. For example my winter electricity bill is about $90 right now and during the summer it hits about $195, and so every month my electricity allocation is $200. I’m not sure this is the exact “Ramsey way” because imagine they would want that extra $110 during the winter month should go toward debt, but this helps create consistency for me and it has worked for me. This year I will be debt free aside from my house. I appreciate The Ramsey Show, Dave, and every one of the personalities so much. Sincerely, thank you.

Thanks! Loved the personalities!

Thank you guys, this is helpful!

Great job you all!!!❤❤❤