ME! 😖

Know your ABC’s

🤣🤣🤣

Can't relate I have KZfaq red. Best purchase ever no annoying ads. And yes I can afford it. I don't even see it leaving my bank account

Pizza is disgusting & unhealthy!!!🤢

Shoot, would be smarter to take a home equity loan for $76k, payoff the cards, and tackle the mortgage

What is wrong with an annual budget?

@@donaldlyons17 It's totally unrealistic for the average person/family. You have absolutely no way of knowing what unplanned/unexpected expenses might come up during the course of the year. Ever heard of emergencies??? When you own a home, things break and need to be fixed/replaced. Cars break. There can be unexpected medical expenses that come up if someone gets sick or injured and is unable to work. There can be job losses or reduction of income. There are WAY too many variables at play with an annual budget that make it nearly impossible to follow and stick to. A monthly budget is MUCH more sustainable and realistic.

@@jrwheeler81 I used to give myself a 14k yearly budget and that worked BUT prices were less than I spent on average so 2/3 of the money was spent each year from income on average. My point is a yearly budget works but likely because expenses for years remained similar.

@@BabyGators i agree.

I know several families who do annual budgets, because the majority of their income only comes in the fall. They are very careful throughout the year and watch their priorities. Those parents know if they spend too much in the spring, their kids won't have new shoes for school in August. You bet they watch every dollar.

Annual budget might work for future vacations, events, house repair etc.

I agree, Ricky. She may somewhat start but I don't think she is going to be fully committed for another few months.

She is like me

But what's the dog's household income.

@@summerdowlig That's part of the problem because the dog loves poker just like his Grandpa.

Sell the dog

😂😂😂

Yep and she doesn’t sound young. Need that gone asap

Some people HAVE to spend every penny they make PLUS more

i was shocked at the debt she had...then she said NO mortgage?? that kind of debt creates all kinds of stress. I know firsthand, been there done that.

Depends on if they don’t know but are making multiple times what they spent. In that case not knowing may not matter!!

@@donaldlyons17 I make way more than we spend...but I still know basically where my money is going. Why I don't even use a budget cause I know what we spend and what we make is pretty much the same every month up or down a few thousand on some months. But if I had no clue what I was spending or Making that's a big issue.

@@tristan2332 What do you mean I used to live with a dude whose budget never worked!! The problem was that he did not pay his bills in full and on time not he did not know where his money was going!!! I don’t care about where the money goes or comes from as long as there is plenty of it accessible.

Get your income up :)

@Unknown Freedom delivery pizza, Uber, rice and bean, bean and rice.

@Unknown Freedom @JML I have an investment account and no debts but even with no debts these days by the time I pay for all the insurance I need which is, workman's comp. general liability, homeowners, health, and auto, and pay the taxes I have to then live out of what's left it's still tight. My work slows down in the winter months and I usually have to use some of my savings to make ends meet in the winter. I have gotten a job in the winter time before to make ends meet but they are usually just minimum wage type temporary jobs. I'm a self employed painter and painting doesn't pay what it used to because all the illegal immigrants have driven the prices down and I've been doing the same job for 30 years and I can't get a job working for someone that would pay more than I make and I don't have enough time to get a second job during my busy season. I've been working a good financial plan since 1992 and I first heard of Dave Ramsey in 95 but I was already doing what he teaches and I didn't even buy a house until I had saved up the cash and that took me 25 years to do. By the time I've gotten everything a person needs without any debt my job no longer really pays enough to save up for any significant retirement and the only reason I've been able to do that much is because I never married or had children. I'm 54 and going to college is out of the question because by the time I got a degree I would be retirement age. I'm not the college type or I would have done that when I finished Highschool anyway. It's just hard for the working class when people had rather hire people that are here illegally that doesn't speak our language and does inferior work because they are cheap labor. I would like for people to know that there are some of us out here that are following the rules and doing everything right and still have to be concerned about money. You don't get rich unless you have a very very good carrier or find something to sell on a national platform like FPU....haha. My house is paid for and I've always driven trucks and vans I could pay cash for but I'm getting the same prices for my work that I did in the late 90s and early 2000s. Everyone that has hired illegal immigrants has played their part in robbing people like me. When I got into painting if you worked for yourself you could make as much as if you went to college but that's not true today; not even close. The industry I'm in, the housing industry, collapsed out from under me. This is also why there is a housing shortage with inflated housing costs.

Get a higher income. Invest in Roth IRA, HSA, and 401k and Roth 401k.

If you're debt free including no mortgage, then DON'T WORRY. You can literally just live your life. At some point, your retirement savings will grow faster than you can add to them, and then you're on easy street.

Yep I take a look at it after every purchase. Make sure it lines up and nothing's been compromised

Same!

That too much.

Same! I switch it up frequently- to make sure my budget and financial goals stay on track.

@@plummerofficial Not everyone will be able to do that sadly. The problem is a lot of people are suffering out there right now. All the jobs are drying up and people don't know where their next meal is coming from. People are going through a tough time.😞

If she is not self motivated why not call for a pep talk?

Dave wasn't hard enough on her to get it. She will get to her breaking up point eventually.

Even if they did... there is a wealth of information online.

All I heard was blah blah blah ... I'm lazy and I don't wanna. 🙄

Yes they do. They send wrong items all the time.

@@jimmymcgill6778 it was a 🐂💩 story most people buy the Kindle it's much cheaper

@@djpuplex 💯It was an attempt at FREE stuff!

Me too

We just use an Excel spreadsheet. It works great.

Been using every dollar for years it is set up a bit better then it used to be haven't looked into the is but the free works plenty

Nowadays even rice and beans are too expensive dang...

I’m out of debt but I still love ramen noodles. Soy flavor

Jimmy/Saul, that depends, are the wolves at the door? Your advice sucks

I agree , she should not stop her retirement

Says the broke bozo with 5 subscribers

It’s just temporary. It’ll be fine.

@@arozb5586 You think subscribers have anything to do with anything? Even when you don't make videos?

Been a nurse for 21 years straight and struggled with practical money conservation ,but got clear of it with investment via local firm stocks (thanks to Valerie )she mad that possible I suggest she does the same!!

After I got upto 300K trading with Mrs Valerie Anne Yarvin.I bought a new House and I'm now able to send my kids to a better school in the states thanks to Mrs Valerie Anne Yarvin . When someone is straight forward with what he or she is doing people will always speak up for them.

I have heard a lot about trading and Investments with Mrs Valerie Anne Yarvin, how good she is and how she has helped people through investment.

She's awesome, perfect and a genius. I've made up T0 $162,050 trading.

HOW!!😊 I know it's possible, my sister always get 40K every week, I would appreciate if you show me how to go about it.

Budgeting can be hard at first. It takes time and practice. And a lot of grace!

That’s not investing. That’s speculating. You should look in to getting a Roth IRA instead.

Sell and use the proceeds to start an IRA

It's a huge lifestyle change for some because of how out of control their spending has always been. All of a sudden you have to be OK with not constantly getting new clothes, new tech, making time for and learning to cook your own food, etc. So yeah pretty similar to what you said, if someone's been eating junk for their entire life...it's much easier said than done to stop, eat healthy, and exercise regularly.

Thanks and to you!

How does praying over money effect how it is spent?

@@donaldlyons17 Good question. It works though. I believe the Holy Spirit leads you and gives you wisdom on how to use it wisely. You can try it .

Bro, learn to do plumbing and fix drywall. At the very least how to patch drywall, it's not hard.

@@peeonthe3rdrail414 I did such things when I was younger. Now I'm seventy-five and moderately wealthy. The cost doesn't bother me but it was an example of unanticipated costs.

@@michaelwoods4495 Fair enough, I was lucky to have a father to teach me such things and it has saved me a fortune. Currently paying off in spades now that my disposable income is extremely limited with two little ones.

So, you’re not familiar at all with Dave’s plan. That is not an emergency, nor does it qualify as one. That’s a budget line item: home repairs. Your house will need repair. Your car will need repair. So when you do your budget, you have lines for those things. You put money aside for them so when you need it, you pay cash. Your plumbing issue is 100% budgetable! See the difference between just tracking what you spend and budgeting your money?

@Wyatt Potter are you alive ???😂

@@susanedghill609 What do you mean?

@@wyattpotter2103 as long as one is alive one tends to spend some money......i believe what you truly mean is that you are very careful and i commend you for that......

@@susanedghill609 Thanks well I do spend some money but very very little. I did buy a Tesla though because when gas was cheaper my gas spend would be $500-$-750 a month and would be a lot more now but besides that I don't really spend money. And I only did that because the gas station was super extreme in my situation.

What's the purpose of working too make money if not to enjoy some of it?

True Budgeting is for people who don't know how to control their money.

I'm the same I have no budget just live below means naturally.

I mean, good for you? But imagine if you knew where every penny went and made even better choices with your money. But you do you.

And who in America does not understand this? Jimmy/Saul

@@alinatamashevich3354 Seems like Dave doesn't understand. I'd rather over pay, and get a refund. Than underpaying, and have to owe them.

@@jimmymcgill6778 Dave fully understands, it is you that does not. Taxes are a pay as you go system, not pay later system. You can be charged with under payment of taxes. Good luck with trying that.

@@alinatamashevich3354 That's what I'm saying. I wouldn't want to get any surprise bills.

@@jimmymcgill6778 What Dave said as well, and it is a big surprise!

full of money

Good advice, yes he is!

Full of great advice!

Why? I don’t agree with everything he teaches but he’s not “full of it.”

Full of great guy stuff for certain! He's the Papa!

For her they are not “simple” that is a problem already.

You need to go through the everydollar budget....

The every dollar doesn't have designated categories to save ahead for future utility bills, which is what I'm talking about. I've tried it and I prefer to use a spreadsheet.

There is a feature (called funds) exactly for this.... It does exactly what you are describing (which is actually just monthly budgeting)...

Hhhh funny but sound true

Or you can put aside like 30% of what you make and just easily live on the rest.

@@markg999 Yeah your idea is a f**k ton easier!!

@@donaldlyons17 Well you gotta make a decent income first...but If you do it works and easy.

And Abe Lincoln

And Michael Jackson!

Beans contain protein. And he doesn’t mean literally. He means change your shopping habit and only buy what you need.

@@BlueDauntless beans have about 15gm of protein per CUP along with 45gm of carbohydrates making a terrible source of protein for diabetics limited to 100 gm of carbohydrates a day with a 100 gm protein requirement. The only viable sources of protein for someone with those macronutrient requirements is a high meat diet.... meat is expensive. And he means change your shopping habits as in "don't eat meat". But that's not a realistic option for a lot of people. I challenge anyone who thinks they can come up with a 100carb/100protein a day meal plan (soy, gluten, peanut free home due to allergies) for a family of 6 either without meat or for less than 1000 a month to post it here. I don't think it can be done. Caloric requirements are about 1600 a day when balanced between adults teens and small kids.

Imagine getting on the phone with Dave Ramsey and wasting his time with the irrelevant Amazon stuff.

Are u a minority

Yeah, I got the same impression. She sounds a tad entitled.

@@veeno3983 - Are you?