That's a Fight Club quote...

I HAVE ALL THE MONEY...the credit card companies frown on *PRE-PAYING* for purchases

Although a fantastic quote, Ramsey is not the originator of it, it's been around for decades plus. Many life coaches, life philosophers, etc. have been quoted as saying it...

Yup , that the reason most people are broke.

I love making $1,000's in airline miles and cash back...using CASH pays squat

That's why he garners a lot of haters too. So many people don't like being told they are wrong and don't know what they are doing in life.

Papa Dave

Dave Dez do the baby steps....those are LITERALLY the instructions. When you buy a product that needs to be put together you follow the instructions right? Step 1, then step 2, then step 3 and so on. Don’t skip a step

Wow Jen congrats!!!!! I’m so happy and proud of you. Thanks awesome!!! . Wish I found him in my 20s but better late than never ;)

He is awesome every American listens to him. Can be a Millionaires. Save and invest your money 💰. Wipe out homeless and food pantries for good.

I’m 22 and lost. Any advice?

Desmond Sawyer Proud of you!

No, you got yourself out by being honest with yourself and your situation and realized what needed to be done. Dave merely adjusted/shook up that small part in your brain.

@@chrisgast Well said.

How ?

I GET OUT OF DEBT AT THE END OF EVERY MONTH...100% credit cards...$0 cash *(IT IS TOO EXPENSIVE)*

The media loves to politicize anything and everything to gain more clicks and views.

Agreed, im not religious so I don't agree with some of the stuff he says that's bible centered (tithing when people are broke/not even able to pay their basic bills is insane to me) but I love and practice alot of what he says.

Hayley it’s not insane to you, it’s insane in general. But unfortunately people need to feel that void.

@@robynjoy910 ok good I'm glad someone else agrees 😂

Same here. Was annoyed they tried to politicize his message.

Dave does deserve to be number 1 radio host. All Limbaugh and Hannity do is talk trash about people. Dave helps people and makes their lives better.

@@Bostonboi80 That I agree with!!!

Awesome! Bet you could do it even sooner if you wanted to live on bare bones, too. Good luck! DR saved my life and has taught me so much (things that schools aught to be teaching as well).

9 yrs?

True, people these days get offended just for the sake of being offended.

That's how I feel about trump

I agree!

Yes. Yes yes!!!

what was your strategy?

100% CREDIT CARDS...$0 DEBT...$1,000's in rewards

@@ORION2180 Live within your means the problem is humans in general don't think much into the future like maybe one or to weeks. We think my pay check will be $300 next week my bills are $150 I'm good. When you carry debt for years you actually spend 3-10 times what you originally borrowed. If you owe a ton of money sell everything you own which you don't need to live. Buy an old car fix it yourself do what ever it takes to lower your money going out vr money coming in. If you think about life how many minutes a day are you awake and working for someone else. If you are in debt you are working for bankers because the money your making is going straight into their pockets. Being debt free is about the feeling being free no being a slave to bankers. I know people who hate their job but they are in so much debt with no savings they can't just leave and go find another job if they had 100k in the bank and debt free it would be no problem walking into your managers office and say here is my 2 weeks I'm leaving. High debt means your trapped in a job you hate.

Amen to that! You sell things you don't need. Get rid of a car you can't afford and buy a cheaper vehicle, get rid of credit cards,and save save save ! Don't eat out as much.. Eat cheap at home meals like soup, beans , eggs , rice etc.

@@LIZZyNIqUZZ10 Enjoy your *EXPENSIVE CASH* I'll stick with *CHEAPER CREDIT CARDS*

gavin mimi I’ve been so afraid to use that saying for so long but I don’t want people to think I’m depressed haha I want to use it so bad

@@tenalienoreos8802 don't be afraid. I've never come across anyone who is offended by that term. In fact, everyone finds it amusing or it opens the door to a conversation.

I love when Dave says that!

you're lucky you found him early. 6k in debt is literally nothing and something you can easily pay off within months. Good luck

Thankfully you found him early!! You can do it, work hard and listen to DR non stop, it'll motivate you so much.

since yre black I bet it a payday loan right

@@cooltu2000 university.... asshole

Yo are you from rebel media?

"live AND GIVE like no one else" , he is big on giving

"I'm better than I deserve."

@Earl Rogers LMAO.

Naomi Talking Money congratulations!

Naomi Talking Money just made my last mortgage payment half an hour ago👍

COngratgulations! you're a weirdo!!

Peggy Pearson congratulations weirdo!

Paid off mortgage 7 or 8 years early thanks to *CASH BACK FROM CREDIT CARDS* We would still be paying that mortgage if I didn't use credit cards

Lol it’s just a stint so he doesn’t attract the negative press and cancel culture

Thanks for clarifying your position on the President.

JULIANNESMAN w Dave is funny as hell

Yep..even fast food workers

I was just laughing at this lol

Congratulations Tyler. Good job. 👍

For me it's good for a laugh and it's free. Raise your hand if you would pay to watch these videos. I'm still looking! Lmao!

He gives sound advice to make people question their spending habits. He is a traditionalist in how he views personal finance. Yes, some people can leverage other people's money to make money and all that, but those games most normal people don't want to play. Folks who take Dave's advice and become debt free, have a more stress free and simple life financially. Those folks that are too smart to listen tend to be so consumed about money that they stay stressed and eventually make bad decisions.

It doesn't matter if Dave is shown screaming at people. Sometimes that is what he needs to do to get through to some of the people he talks to. Dave is a good man, whether he's screaming at somebody or not.

He is not an architect. He is a motivational speaker who is good at shouting people who have low self esteem and no self discipline. He gives a wake-up call which is what most people need.

Right. If you make only 2 grand a month, there is no way to help you out. You gotta make more money.

I agree 100%.

Ramsey filed bankruptcy when he had major debt problems, but he tells ALL his callers to NEVER file bankruptcy, but instead to eat rice and beans and never go out or have any fun for several years until they pay back every dollar they owe. He's a complete hypocrite and a con man.

888strummer If you actually listened to his show, he doesn’t say never file bankruptcy. He clearly states it as a last resort and many ppl who file bankruptcy aren’t actually bankrupt. He’s actually trying to help ppl avoid a path that can make life harder for them down the road when they don’t realize their situation can be salvaged by actually attacking the debt.

@@choiboix Bankruptcy resolves the stressful days immediately. It stops almost all bill collections. Lets you sleep at night.. That's why he did it. No years of working your ass off to only pay bills. It is in our legal system.

@@choiboix Dave didn't live on rice and beans and live like crap for many years; in 1 court appearance he wiped out all his debt and got a fresh start. And by getting a fresh start, it allowed him to immediately get off his feet and move ahead with his life. And his kids got to eat well and enjoy their lives as well. Yet, I've listened to 100's of his shows and never ONCE has he ever recommended bankruptcy to any of his callers; even in the most obvious cases where bankruptcy should be used. Some of his callers do not need to file bankruptcy, but many would be best served filing bankruptcy and getting a fresh start, which is exactly what Dave did. What worked for Dave was bankruptcy and that's what works best for many, but he tells EVERY caller to live like crap for many years, even though he didn't. Complete Hypocrite!

888strummer Obviously you haven’t listened to the show enough. The story is he had several million dollars debt. When his loans were called, he was able to sell everything and get the debt down to couple hundred thousands of dollars. However, the bank wouldn’t extend him more time to pay off the balances and they were coming into his house to seize all his assets. That’s the reason why he filed bankruptcy. It was a last resort. Not a get out of jail free card he took advantage of cause he wanted to. As much as I don’t agree with Ramsey in his politics, his basic premise of getting out of debt and investing is a sound common sense principle. And btw, he has recommended bankruptcy on the show. KZfaq it. It has happened.

Kaylee F I was thinking of financing a car next year but since I started listening to him just days ago I realized how stupid of a decision that would have been. Better to save up while driving a beater and eventually buy the new car in full and only worry about insurance minus the big car note

steve b do your research. He went back and paid it all off

Alma Aparicio don’t worry what other people do with their money. The world can’t function wo a certain amount of debt so we need to those people

Dave filed bankruptcy but he tells EVERY caller of his not to file bankruptcy, but instead to live like crap for many years until they pay their debts back. You love Dave Ramsey?

@@888strummer It truly is all behavior. Bankruptcy does not let you accept responsibility nor does is allow you to change! Trust me, it's a temporary fix. You will be right back in debt in no time! !

Very few people are born with that sense of responsibility. Maybe 3 to 4%. Most of us don't think about our daily expenditures, much less about our future! But with A LOT of effort, we can change......

@@almaaparicio9104 It worked for Dave very well. And for many others who file bankruptcy and learn from their mistakes. Some do and some don't, but I've listened 100's of callers to Dave Ramsey and NEVER does he suggest to anyone to simply file bankruptcy and then learn from their mistakes, as Dave did. Dave didn't eat rice and beans for years and live like crap for years; instead he waltzed into court and wiped out all his debt in a matter of seconds and then went on to kick ass in life. But what worked for Dave isn't what he suggests others do and that's why I think he's a conman.

@@888strummer actually not true, sometimes he does agree with filing bankruptcy. I have heard at least twice where someone was in a really bad situation & bankruptcy was inevitable. So that's just not true.

Keeylz congratulations 🎉

That's quick

please explain how you paid off the student loans so quickly

I don't think that's a convenience issue, since a debit is just as convenient. What we have is an instant gratification issue, I'd say. Credit is just too easy to get. Companies are too willing to let you keep working your way up in credit as long as you make payments.

It's a major problem in Britain as well mate!!!!

@@anneperry9014 That makes me feel better than us Americans aren't the only stupid people in the world. Sometimes I feel that way living in this country lol

Agreed, I tend to spend a lot of money on eating out mainly for convenience. But at the same time I almost feel like its smarter to save time this way because driving to the store, buying food from the store, cooking it, and cleaning up afterwards is time better spent elsewhere, like making more money for instance.

That's part of it, but another issue is wages. Lenders have manipulated debt in order to keep the economy growing while wages remain relatively stagnant. It's difficult to make large purchases in this day and age without going into debt. Now, I'm a huge Ramsey fan and I'm debt free and only pay for things in cash (thnx to Dave), but people like myself are not good for the economy. The economy needs spenders.

Yeah and he wasn’t having it! How refreshing

A white Christian straight male... of course they had to try and drag trump into it.

Yeah that was super uncomfortable and disappointing.

fglend73 they’re jealous of his success.

It's not just that. Debt is marketed as a necessity in the US, to the point where people think it is normal.

How much money did you make off rentals.

Your dog can get a card. They dont fact check their applications

Use cash. Stay out of debt

@@Rolltidewhiskey 100% CREDIT CARDS...$0 DEBT...$1,000's in rewards that cash fails to pay

When people say "use cash", they mean pay month to month and carry no balance. No one cares how you PHYSICALLY pay, whether cash, check, or credit/debit card.

@@catlover1986 Many anti credit card *FOOLS* think that using cash is cheaper

If KZfaq does that, they are stupid.

His channel is not political or controversial, so it wont.