I'm Debt Free But Still Worried About Money

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I'm Debt Free But Still Worried About Money

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Күн бұрын

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Пікірлер: 112

@jomontanee 2 жыл бұрын

5:07 I just cry at what John said to this lovely caller “YOU JUST CHANGED YOUR ENTIRE LEGACY”. Profound statement indeed!

@RCGuitar982 2 жыл бұрын

this is me. I am this person's mentality. my car failed inspection and needed a new set of tires. just before month end, so the 1600 I planned to put toward our long term savings goals was reduced to 650. I was depressed and my wife talked some sense into me, that we are lucky enough to be young, healthy, debt free, have stable employment to cover life's mishaps, and still be able to finish the month with a budget surplus! I needed that talk badly and this call reinforced that

@9liveslisa 2 жыл бұрын

I was brought up with money and then the rug was completely pulled out from under me as a 10 year old. I went from one side of the tracks to the other side of the tracks. Fast forward....I'm 65 now and even though I am in excellent financial shape, I still worry about money even when I don't need to. When that happens, I just take inventory and laugh at myself and I literally tell myself to stop worrying................until the next time. It just is what it is. Some events in life are ingrained in your psyche and it can be very difficult to eradicate them. Just keep moving forward.

@RozeeBeez 2 жыл бұрын

Totally agree. It gets really bad with all the financial rumors flying around. You stop listening and ride it out until the next rumor pops up. 😁

@cgasucks 2 жыл бұрын

The price of "financial" freedom is eternal vigilance. Once you are debt free, you have to do your very best not to be in that situation again.

@anthonykence9954 2 жыл бұрын

No mortgage debt at 32 is Great. That's an accomplishment

@reese85 2 жыл бұрын

Depends on how much the house or condo was

@Manofsteel519 2 жыл бұрын

Imagine they invested the difference instead of paying off low interest debt lol

@nunyabidnes6010 2 жыл бұрын

@@Manofsteel519 lol right? These silly lil Ramsey cultist shoot themselves in the foot every day and we get to laugh at them. 10/10 quality entertainment

@LisaCPerry 2 жыл бұрын

I like these two the best. They give good advice to people who come from nothing, no financial guidance, poor parents, who had to adult young and had to make a way from no way.

@blackworldtraveler3711 2 жыл бұрын

I've always had savings and emergency fund since high school. What little emergencies I did have became more like inconveniences as the years went by. Never anything to worry about especially being debt free.

@jwlsngold5026 2 жыл бұрын

Good for you!! 👍

@sheilakilby5162 2 жыл бұрын

I can REALLY relate to this. I grew up so poor, and had to live with grandparents and even friends while in High School. I always worry about money. My emergency fund has an emergency fund but I still worry. I always feel like I don't have enough money and/or I am spending too much money.

@claudiagirl3253 2 жыл бұрын

I feel the same way

@alleykeosheyan4779 2 жыл бұрын

I'm right there with ya -- constantly wondering when the other shoe is going to drop, almost as if it's a reflex!

@retrojay86 Жыл бұрын

financial therapy might be good to try.

@Piccolo_Re 2 жыл бұрын

Following Ramsey created a scarcity mindset in me which is why I had to stop. I was constantly worried and paranoid about money. A mentor of mine told me to just start giving to others and it took away a lot of that scarcity mindset and made me get away from the love of money.

@Tunechi65 2 жыл бұрын

That's true. Kind of made me become obsessive to with money

@truthseeker6370 2 жыл бұрын

I have the same problem! I worked So Hard and long to get out of debt and build up my emergency fund as a single, older person. I recently had to dip into it for a sewer repair issue. Tho I was very grateful to have it- it immediately caused a scarcity mindset that troubled me to have to take away a portion of my security.

@alisagraham6513 Жыл бұрын

It's hard to give away savings regardless to what repairs are.

@JessicaLovely1 2 жыл бұрын

"I've never been on a boat." This guy needs a vacation and some recreation!

@edb484 2 жыл бұрын

I never been on a big boat, us black folks don’t do water like that lol

@barbarafallin2038 2 жыл бұрын

Not true about us black folks, we have a boat and we go fishing every month in the Chesapeake bay

@HoodedStalker 2 жыл бұрын

How much debt do you have?

@ianmowbray3284 2 жыл бұрын

My mother in law when she was very young lived in a house with no money, now she is 72 year old and now keeps 40k in her checking account. and she will not spend it on her self.

@linda__4587 2 жыл бұрын

Wonderful that these kids will grow up knowing how to manage money. I finally figuered out one day to set aside money for repairs so I wouldn't be so upset when things happen. I have learned that from my mother.

@bridgettetraveler658 Жыл бұрын

The only thing I learned from my parents about money was don't ask them for any!!!

@15KHPCLUB 2 жыл бұрын

I know this feeling all too well... The feeling of being unstable

@Buggu3 2 жыл бұрын

This made me cry… John God bless❤️

@aleshahilburn9234 2 жыл бұрын

Money was so tight for me as a kid and then again when I got out of college for a few years. Now even though my husband and I have a fully funded emergency fund I still struggle with the scarcity mindset. I have to remind myself often that we have what we need and of all the times God has provided what we needed.

@unlisted8042 2 жыл бұрын

Great answer, John.

@naxis5000 Жыл бұрын

David Bowie had the same problem (and so do I). I was in the car listening to the radio a few years before his death and he started to talk about this exact problem. That he still worried about money, but that this concern includes people increasingly more distant from him. It was a problem he just lives with that he blamed on being brought up working class. His words helped me a lot. I could have a 100 million and I would still be poor in that place in my mind.

@rockymountainfacet5958 2 жыл бұрын

I needed to hear this call. Thank God.

@MrBrewman95 2 жыл бұрын

I have an emergency fund of 25k and a baby emergency fund of 5k. I never want to touch my emergency fund. My baby one will cover pretty much any emergency I should experience.

@nunyabidnes6010 2 жыл бұрын

Then why tf do you have the 25k emergency fund? Seems like a waste

@BlueBass2 2 жыл бұрын

really great response

@annmelendez1898 2 жыл бұрын

Wow that is so me. I am dealing with the same issues. I still look,feel and seem brok.

@karenbowen9519 2 жыл бұрын

Very helpful

@rnt45t1 2 жыл бұрын

Biggest liability he has now is that the woman can just up and decide she wants to leave, take half his stuff, then force him to pay for her lifestyle for the rest of his life.

@ryansharaf9163 2 жыл бұрын

Only in the US

@rchi3906 2 жыл бұрын

That’s why a bought a very large dog that doesn’t like my wife and always hungry

@darex0827 2 жыл бұрын

Find someone who makes the same or more. It's great!

@talynscarbrough6557 2 жыл бұрын

This is why I'm never getting married lol. I used to work with a guy that was slated to retire in two years, wound up taking half of everything, pension, 401k, had to sell his house, etc. Guy is still working, and all this was 10 years ago. All that risk for what? No thanks. Nobody is worth taking that risk.

@blackworldtraveler3711 2 жыл бұрын

I hope not. I'm not even a fan of marriage. Have been seeing too much of this going on. Uncomfortable being close to people in this situation.

@joeriveracomedy 2 жыл бұрын

Should the emergency fund have its own account? Something I never really pondered?

@morpheus6609 2 жыл бұрын

Not necessarily unless it's needed to prevent you from spending the money. I just have a threshold of $20k, anything over goes into investment accounts.

@citylights3452 2 жыл бұрын

This dude sounds wayyyy older than 32 lol

@unnamedchannel1237 2 жыл бұрын

Camera adds 10 pounds and 10 years

@bettysmith4527 2 жыл бұрын

That's what the emergency fund is for!

@pbur8406 2 жыл бұрын

Great show!!

@whyuwannaknownfla1453 2 жыл бұрын

Stack money 🤑 worry when there is none. You're never free,even when debt free. Buy land and you still owe on it every year. Taxes please 🥺

@blackworldtraveler3711 2 жыл бұрын

My money/investments are self stacking and even pay the taxes each year. No big deal. Free enough to retire in 40s and spend the summer in a lakefront Italian farmhouse in Switzerland with view of lake,Alps, and palm trees.

@musicpro7278 2 жыл бұрын

@@blackworldtraveler3711 That's one thing I have to worry about. I'm making alot of money investing but I don't know how much to take away from taxes. For example this week I made $3,700 profit. How much do I take away for taxes?

@blackworldtraveler3711 2 жыл бұрын

@@musicpro7278 One thing I don't do is play around with the IRS. I also have a Roth and pretax IRA just for trading to avoid paperwork and tax issues. Developed a nice Dividend Achievers portfolio in my taxable brokerage accounts for early retirement income. I hired one the best CPA firms in my area to handle things. My CPA even check my social security statement each year for accuracy among other things.(and he found mistake twice since the 90s) I set my retirement income to $90k/yr. and in 12% tax bracket. Never realized how important it was to have a pretax IRA account until I retired. If I had used my taxable account for trading the past two years I would be in 32% tax bracket. Bought $3k shares Devon Energy(live in Oklahoma) under $6 in the 90s and look at her go.

@musicpro7278 2 жыл бұрын

@@blackworldtraveler3711 that's awesome

@faradaysage15 2 жыл бұрын

"Ever been on a boat?" "No" *gives intricate example of being on a boat*

@sarssars-hm2ox 2 жыл бұрын

Great motivation 👍 people need to drive with the window down and radio off to hear the vehicle and search the noise or odd thing they feel. When one thing breaks down puts pressure on others I think 🤣🤩

@han1218 2 жыл бұрын

When sin and anxiety comes at the door, breathe in, you got an emergency fund, Jesus is your emergency fund. You're safe. He's got this, you don't owe anything to the flesh (human nature) anymore. "Take my yoke upon you and learn of Me, for my yoke is easy and my burden is light, and you will find REST for your soul" - Jesus

@bebop504 2 жыл бұрын

Did this man just say he's never been on a boat?!? For heavens sake, go drive to a lake and rent a boat for a day! Life just isn't complete until you've been on a boat!

@fiamond 2 жыл бұрын

Agreed

@faradaysage15 2 жыл бұрын

a one day lease?!? DAVE WILL SHOOT HIM

@alisagraham6513 Жыл бұрын

Good video

@roshunepp 2 жыл бұрын

In this man's particular situation, it's not his body doing that. He's being spiritually harassed.

@Rashaadthegr8 2 жыл бұрын

me too.

@drcatrinaking 2 жыл бұрын

For the love of all that is sacred, please go get on a boat! 💛

@bagofchips55 2 жыл бұрын

Personally , I don't need practice spending money

@thekingdomlifewithkamron 2 жыл бұрын

Same

@J3llyBean423 2 жыл бұрын

SRB .../ Nevermind / ... But can you see why /. And theey ...are beatable

@OTOWN2STOCKTOWN 2 жыл бұрын

Sounds like minimum 45 years of age

@gina9684 2 жыл бұрын

John Rocks

@cindy5605 2 жыл бұрын

Dave will have to swallow his words about the recession.

@adamchavez999 Жыл бұрын

He needs a MAN🤣🤣🤣🤣

@RandomVids519 2 жыл бұрын

Bahaha simp george got shafted!

@shroomssadow4981 2 жыл бұрын

I see John is having hoop dreams today. “Make me like Mike” 😭😭😭😭

@COOLDUDERBALD 2 жыл бұрын

Why’s this guy look like he’s aged ten years since working for MR FOLDING ARMS?!

@lukeharris2622 2 жыл бұрын

🙏✝️

@umpalumpaian170 2 жыл бұрын

Draaaaaama

@cutehumor 2 жыл бұрын

Good to hear from Dr. Phoney Baloney Delony got a new name! 🤣

@Nadeem-sr2jc 2 жыл бұрын

We watch to hear from dave and NOT from these young who are inexperienced and learning on our expense

@Ep1cRainbow 2 жыл бұрын

what did they say that's wrong?

@j3die 2 жыл бұрын

First

@MultiTlp 2 жыл бұрын

I feel like this channel is turning into a therapy session, and the financial portion is becoming smaller. Yes, I understand we need to "think about these things", but it's getting old....9 minutes of listening to John talk gets boring....

@lautenbachb 2 жыл бұрын

That is because money is not the problem, but often the symptom of underlying issues - issues with ourselves, our past, our relationships. Money is not the input but the output of our behaviors.

@MultiTlp 2 жыл бұрын

@@lautenbachb you clearly didn't read my comment