“I Never Said That” (Dave Ramsey Myths)

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Күн бұрын

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@triplebbb291 Ай бұрын

I got the book as a wedding present. On my wedding day I was $85k in debt. It took me 4 years to pick it up and read it. Changed my life. No debt. Baby Step 4.

@RA-dn2ic Ай бұрын

$85k in debt from the wedding?

@JasonDeville-fi4dh Ай бұрын

I think they just meant total at the time not just from the wedding

@naomiemoore5725 Ай бұрын

I wouldn't be able to sleep at night. That's just stupid.

@jculver1674 Ай бұрын

Just the other day on social media I saw that someone had posted Dave's advice that people in debt shouldn't be going to restaurants. The comments were full of people whining that "so he wants us to starve?" Apparently there are a lot of people who are unaware of this new concept known as a grocery store.

@georgewagner7787 Ай бұрын

They should watch the channel where people buy 10 dollars worth at dollar tree for the week

@BlueDauntless Ай бұрын

That’s ridiculous. And you can still go to restaurants while on his plan. You just need to save the cash for it. You should have an entertainment line in your budget. If there’s money to go, you can go. If you have to save up, do it.

@Lugnut64052 Ай бұрын

...and home kitchens.

@Flipper86 Ай бұрын

@@georgewagner7787 Dollar Tree is not the best way to purchase groceries. The product size is typically smaller than at the grocery store. Can do better watching/basing menu on sales.

@mastafull Ай бұрын

@@BlueDauntless Dave's advice for Gazelle Intensity is targeted for the people drowning in debt who need to get serious about it. Like if you're a blue collar worker making $40k who has $20k of credit card debt at 30% then you NEED to throw every dollar you can towards it because it is going to financially cripple you for a long time. Not eating out and spending anything on wants for a year or two can be the difference between living paycheck to paycheck every month until you die or actually getting yourself out of debt and building wealth.

@Ekd23 Ай бұрын

I really wish Dave would make a beans & rice recipe book 😂🤩😂

@karenk2409 Ай бұрын

"Sharon Ramsey's Rice & Beans (and other good stuff that won't break the bank)"

@MT-yx5cu Ай бұрын

When he said "get up off your couch, potato" , I wheezed 😂😂😂

@SouthernGalPal Ай бұрын

As my Daddy used to say, "Don't live a steak lifestyle when you can only afford hamburger."

@martinramirezmi5457 Ай бұрын

Problem is that some burgers cost more than steaks sometimes

@joanpearl7184 Ай бұрын

The price of a cheap steak where I live is R105 p/kg, hamburgers are R110/kg generally - so cheap steaks for me

@SouthernGalPal Ай бұрын

@@martinramirezmi5457 @joanpearl7184 I almost added a footnote that my Dad passed before the Biden years. I'd love to know what he'd say about hamburger now being the less expensive, not the cheap, meat. He'd pass out at whole chickens being $8 a pound.

@costco_pizza Ай бұрын

The truth is a lot of people are struggling out there. We are suffering and don’t know where our next meal is coming from. Student loan relief and a proper UBI would go a long way in helping us all out. We could pay our bills and put food on the table. Why don’t Jade and Dave want that for us?

@martinramirezmi5457 Ай бұрын

@@costco_pizza Don’t get ANY KIND OF LOAN IF YOU CAN’T AFFORD TO PAY IT BACK

@Krinbo Ай бұрын

Would unironically treasure a Sharon Ramsey cookbook on frugal living and making leftovers pop off. Complete with a recipe on literal rice and beans.

@Flipper86 Ай бұрын

Rice & Beans and other cheap meals

@ScizzyGibbler Ай бұрын

Me who ate rice and beans for 6 months while getting out of debt 😐😐😐

@emanuelramirez9277 Ай бұрын

😂😂😂

@AlexPerazaTV Ай бұрын

It’s actually good advice to eat literal beans and rice. Hey it worked!!! That’s what matters

@georgewagner7787 Ай бұрын

Quinoa and beans

@bobmcdoggish9659 Ай бұрын

Rice and beans, hamburger helper, spaghetti, ramen noodles; whatever helps you to live below your means fits the bill.

@HelloHolaOi Ай бұрын

I learned to eat rice and beans for real.

@rogerb181 Ай бұрын

The basics worked for us. Took about 3 years to clear all debt but the mortgage. Worked hard to teach the kids to avoid credit cards and stay debt free.

@robertgreg6009 Ай бұрын

My outlook on money changed when I realized someone making $200K can retire broke & someone making $80K can retire a millionaire. With the current market movement, you have $100K to invest. Where are you investing it?

@ivar766 Ай бұрын

You're correct!! I make a lot of money without relying on the government. Investing in stocks and digital currencies is beneficial at this moment .

@waynes4369 Ай бұрын

I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Stacey Macken, has been an amazing experience.

@adamdouglas9888 Ай бұрын

Honestly, I'm surprised that this mrs Stacey Macken is mentioned here, came across a testimony about her from one of the beneficiaries on the CNBC news, she seems to be doing extremely well.

@findingpath8362 Ай бұрын

You trade with Stacey Macken too? Wow that woman has been a blessing to me and my family.

@Richardson238 Ай бұрын

Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super

@Harmxn Ай бұрын

1. Only eat beans and rice (1:00) 2. Only pay cash for a house (2:17) 3. A 1000-dollar emergency fund is enough to cover all your emergencies (4:07) 4. Getting out of debt is a math problem (5:21) 5. You have to work 80 hours a week, forever (5:47) 6. You have to pay off your home before you start investing (6:25)

@Lourd-Bab 18 күн бұрын

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

@PilouBen 18 күн бұрын

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

@Lourd-Bab 18 күн бұрын

@@PilouBen However, if you do not have access to a professional like CLEMENTINA ABATE RUSSO, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

@PilouBen 18 күн бұрын

@@Lourd-Bab Oh please I’d love that. Thanks!

@Lourd-Bab 18 күн бұрын

@@PilouBen Clementina Abate Russo is her name .

@Lourd-Bab 18 күн бұрын

Lookup with her name on the webpage.

@Nrustica Ай бұрын

Having a spare $1000 is a beautiful step, many people can't get this far

@mikezerker6925 Ай бұрын

Stats show that 54% of Americans don’t have $1000 saved… the struggle is real!

@carojames6776 Ай бұрын

Unbelievable !!!!!!@@mikezerker6925

@Migglesworth 26 күн бұрын

Few can't. Many won't.

@BlackExcellenceProductions Ай бұрын

Dave Ramsey principles have greatly benefited me financially. I’ve only read Total Money Makeover. Haven’t even taken FPU and still am so much better with my money. I feel sorry for ppl who refuse to acknowledge the Ramsey way

@RichardGeorge-uj9iu Ай бұрын

Without a doubt, this year will be worse than the last. I lost a lot of money last year as a result of bad investment choices that I would not have made if I hadn't been so worried about my portfolio. I kept investing, but I couldn't determine whether to start paying for a house. In the end, I sold my positions, and the house needed more work than I had planned. I'm not sure how long I can keep going like this

@AlexClarkcompany Ай бұрын

We've all made mistakes at some point. You should consider financial planning

@MatthewFlint-o Ай бұрын

True. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.

@RichardGeorge-uj9iu Ай бұрын

Do you mind sharing your financial planner?

@MatthewFlint-o Ай бұрын

Leah Foster Alderman

@MatthewFlint-o Ай бұрын

You are most likely to find more info when you look her up.

@robiecarmichael9958 Ай бұрын

When we were first married we ate an enormous amount of , eggs and grits, boxed macaroni and cheese, cornbread as a snack. 50 years later with a paid for home, we enjoy a much wider variety menu.

@kimberlylepine5115 Ай бұрын

I purposely don't click on videos by other content creators that mention Dave Ramsey. If I want to hear about Dave Ramsey, I listen to...Ramsey podcasts. Mind blowing, I know.

@thedopplereffect00 Ай бұрын

Well, you are missing out on valuable opinions from other people then. Dave is very cultish in some of his advice.

@zoolookers Ай бұрын

I think this is long overdue! The amount of comments I see where people think Dave wants you to sell your third child to save on diaper costs is ridiculous

@tduck828 Ай бұрын

Agreed! My mom swears she never said stuff that she did or claims she told me something that she never did. This happens a lot!!

@ONLY1KUDWE Ай бұрын

😂😂😂

@jimmymcgill6778 Ай бұрын

It's call sarcasm.

@Stop007 Ай бұрын

For those who think that, it might indeed be a good idea to sell the third child - for the sake of the third child.

@Kindcaringsoulgentle Ай бұрын

Surely people aren't that stupid ? Or the other answer is they just want to b!tch and moan and be critical or be dramatic.

@WilliamGoosen81 Ай бұрын

Whilst the babysteps aren't mathematically the most optimal, the point of the babysteps is to address the psychological issues people have with money spending, not the mathematics only. It provides a structured approach to get out of debt, and how you think about money and spending.

@JasonDeville-fi4dh Ай бұрын

Yah they have to re wire their brain. The steps make it easier to be successful in re wiring yourself and get out of debt. Once u do that using the steps you won't go back

@jeffgo5742 Ай бұрын

It’s not just $300 for a nice restaurant. It’s ordering food out anywhere. You’re looking at $20 a person even if you get fast food

@crashtestdummy1972 Ай бұрын

First off, don't eat fast food. It's horrible for you. If you have to eat out, try a much healthier place that offers fresh food. You def can find that for 20$

@cadenjowers5203 Ай бұрын

So don’t eat fast food

@jimroscovius Ай бұрын

I can eat at McDonald's for $5.01, not $20.00. A McDouble is $2.69, I get free fries using the app, and any size drink is $1.39. Add sales tax and it's $5.01. If I pay full price, it's about $8.50. So being so dramatic!!

@Flipper86 Ай бұрын

@@jimroscoviusYou’re missing the point. Eating out regularly is not good for your health or your budget. Even $5 a day adds up fast, and most folks spend more than $5.

@xsgtxbigboy1655 Ай бұрын

@@jimroscoviusur wrong its 20 a small fry and drink ain’t filling me up lmaooo

@paddyofryin2537 Ай бұрын

Double-tapping a comment gives it a thumbs up.

@georgeorwell3501 Ай бұрын

I think it gives it a double thumbs up.

@PleaseElaborate Ай бұрын

Is this similar to how alt+f4 quick-saves your current tab?

@matthewf.6644 Ай бұрын

I'm Filipino and I was in debt. God was good enough to give me wisdom and listen to Dave. Thankfully, I've been out of debt and currently in Baby Step #3.

@CJ2023Incognito Ай бұрын

6:41 “Dave Ramsey Once Killed My Pet” 😂

@charisginn6932 5 сағат бұрын

Right lol? That comment and the Abraham Lincoln meme reference really made me impressed with Dave’s internet culture knowledge

@linda__4587 Ай бұрын

I liked the baby step idea when I first discovered Dave Ramsey during Covid. I thought I'd try it to see if it really did work. I became so frugal and bought virtually nothing for a year. About $50,000 in debt. It worked. Ii paid off my mortgage and all my bills and opened up mutual funds. I have made $1000 in mutual funds so far and am still debt free. Still listen. No one around has the wisdom that Dave Ramsey has. Yes, I took Beans & Rice literally. I'm glad he is explaining it better. I'm glad though I don't have a spouse I have to talk into something. No one can replace him.

@conley2659 Ай бұрын

Buy some Nvidia as well. Itll pay off

@mariorta5017 Ай бұрын

I found Dave Ramsey after the pandemic. We were $320k in debt. Took us 2.5 yrs to clean it up. We got debt free just on April 2024 and this is including the house. Never again!!

@giliwsapiandante8454 Ай бұрын

Thank you, Dave R. You are the best.

@tailsplayspoker9352 Ай бұрын

15 months ago I started my first good job and I have a nice chunk in savings earning a good rate of interest and my life now looks very different. I learned to listen and I listened to learn!

@paulhuval Ай бұрын

Title for Dave's next book should be the beans and rice for getting out of debt. Lol

@butimbobbywitdatool Ай бұрын

Dont forget rice and beans😭

@paulhuval Ай бұрын

@@butimbobbywitdatool I thought about that after I sent it lol

@briankowald6465 Ай бұрын

I love beans and rice.

@michellebreedlove2711 Ай бұрын

You should start your own brand of rice and beans. LOL

@BlueDauntless Ай бұрын

That would be hilarious!

@bradleygraves5915 Ай бұрын

OMG!!!!! YES!

@michellebreedlove2711 Ай бұрын

@@BlueDauntless Dave's Big Bucks Beans and Dave's Rich Man's Rice. LOL

@JosiahK555 Ай бұрын

If you already have more than 1k and you have a family to take care of. DO NOT go down to 1k. 1 month of expenses,minimum

@IsaacSchultz Ай бұрын

Complete guide to money helped me in a bunch of ways.

@bryankasper8567 Ай бұрын

Im glad you answered the first one. Because i was cirious if i could survive and be healthy on just rice and beans.

@carlosa9108 Ай бұрын

Dude, I'm a high income individual, paid my American Wife's student loan debt completely, and be able to drop good money on a good meal, yet, I love beans and rice with two fried eggs. I used to eat that most of my days when I used to be broke back in Ecuador with my parents, but now that is a delicacy in my family. Every single time, I visit my mother, she always got me Beans and rice, and the white beans are usually used for like especial days. 😂

@billy5032 Ай бұрын

I always wondered why Dave doesn’t ask people whether or not they smoke or drink. A pack of smokes is $7 around here. If you’re at a pack a day times 30 days in a month is $210 a month. That’s a good portion of all my utilities.

@garyzimmerman6316 Ай бұрын

THIS! My good friend smokes multiple types and drinks 2-4 (or more) energy drinks daily. He's been broke 2 decades now, and no sign of change.

@sprint7412 Ай бұрын

My mother does this unfortunately. She gets about one pack a day plus a 6pk of beer every other day. She struggles with money. She is trying to get out of cc debt and has paid off three cards and closed them. She is in her 60s now, so I'm worried she won't have enough to retire. If she wasn't addicted to tobacco and beer, I think she would be debt free at this point. Spending $10 to $30 a day doesn't seem like a lot, but it adds up quickly.

@sss8951 Ай бұрын

I am an Indian and I have gained immense knowledge watching your videos Dave! I never knew you were so celebrated in the US until I began watching your videos. People tend to forget that not everyone out there can be a millionaire at 21 years old. Most of the folks die trying. Some make it by being financially disciplined and you help them imagine (if not form) that path.

@aolvaar8792 Ай бұрын

2011, the $250K house across the street is foreclosed and selling for $50K>>> DON'T borrow for investment property.

@EliMusic-7 Ай бұрын

In my home country we only ate beans, we couldn’t even afford buying rice!

@koolpapabell1 Ай бұрын

Nicely done

@ONLY1KUDWE Ай бұрын

I am 100% on the Ramsey plan.

@BLdontM Ай бұрын

Then you will be broke and renting until you're 50

@ONLY1KUDWE Ай бұрын

@@BLdontM Yep, just like Dave Ramsey.

@BLdontM Ай бұрын

@@ONLY1KUDWE I hate to burst your bubble kid, but Dave didn't become a billionaire following baby steps. You'll never, ever, ever reach his level of wealth with his system.

@ONLY1KUDWE Ай бұрын

@@BLdontM If you say so.

@ONLY1KUDWE Ай бұрын

@@BLdontM You know you don't have to make excuses as to why you don't want to do the plan, right? Just follow your own plan.

@positive_vibes_2427 Ай бұрын

1:16 "YOU GOT OTHER ISSUES" GOT ME ON THE FLOOR LAUGHING LMAOOOO

@winstonmiller4854 Ай бұрын

I started listening to Dave in 2010 and began to put his money and behavioral principles to work in my life. I'm very blessed, but I also believe that my following this guidance has greatly improved both my financial and emotional peace. You can do it too! Have hope and do the work!

@joeriveracomedy Ай бұрын

Ramsey seems to omit the fact that one can purchase a lease at the end of the term. No semantics required.

@thedopplereffect00 Ай бұрын

You don't get a good deal doing that.

@AieMem67 Ай бұрын

Thank You for changing my life Mr Ramsey

@AllynHin Ай бұрын

Well, Dave has said you need to pay for a house in cash when he's talking about folks buying houses for rental properties.

@honeybee3383 Ай бұрын

There's a restaurant around the corner of my house called Rice & Beans...and I'm not supposed to eat there every day?

@bmontero2006 Ай бұрын

People that don't get the concepts probably have a bigger problem than financial down fall

@mikemcconeghy4658 Ай бұрын

I lived in Sao Paulo, Brazil for two years. Rice and beans was lunch and dinner for the locals, every day. They do just fine.

@jeraldbottcher1588 Ай бұрын

Yeah when people say eat beans and rice. It really means cut down on the food budget, eating out, making less expensive meals. And yeah if you can pay cash for everything. Do not go into debt unless it is the only way. At a minimum save up enough for a down payment so you do not have to pay mortgage insurance. But a mortgage is the one big thing where it is ok to go into debt.

@angiemac3587 8 күн бұрын

Yes your emergency fund of 1000 has stopped me from grabbing my credit card!

@ijcarroll Ай бұрын

I ate beans fried potatoes and cornbread DAILY (except Sunday) until I was 12. Recently I had it for dinner... the next day I mowed half of my 1 acre lawn and between heat and mowing with a 21" walk behind mower I was pretty tired. I decided to have some leftovers for lunch, I ate a small plate of the fried potatoes, beans, and cornbread, I finished the last 1/2 acre without stopping and had plenty of energy left

@MichaelCarrPilot Ай бұрын

We can’t forget he did say the avalanche method is the better mathematical way to pay debt. His is just better psychologically. Way back in the day in a video.

@jesssc402 Ай бұрын

Our version of rice and beans is just not eating out lol i look forward to homecooked meal during lunch time and coming home for dinner! Even cafe food. A croissant and cafe latte usually costs 8 usd with tax whereas the cost croissant + nespresso cafe latte costs less than 2 usd! I just get sooo annoyed when eating out when i look at the prices 😅

@BREEZYM6015 Ай бұрын

I work 40 hours a week, three days a week.

@mikeshaw4610 Ай бұрын

Definitely agree with more than 40 hours for periods of your life career. I did 60+ hours a week at times to advance my job/career. Later I was able back down to 40 and then retire early. Put in the work.

@1486230 Ай бұрын

Would love if Dave addressed his misunderstanding of sequence of returns risk.

@cynthiawaldorf9353 Ай бұрын

I'm not the smartest cookie on the block but even I know Dave didn't mean just eat rice and beans And if you take a little bit of time to actually listen to more than one show you would know that. What he meant was eat at home. Cook your food at home, don't eat out and spend a lot of money.. save that way..dah!😂

@DontAtMe2k24 Ай бұрын

Beans and rice only. PB&Js are considered a luxury.

@tracyaf6084 Ай бұрын

I want that cookbook 😂

@JettingChen Ай бұрын

LOL I really thought he meant beans and rice only LOL

@briankowald6465 Ай бұрын

Find the book at the library. Don’t buy it.

@AllynHin Ай бұрын

I'm one of the people that have long said they should put out a "Beans and Rice, Rice and Beans" cookbook, but not *just* beans and rice recipes. It should be a recipe book of easy, weeknight dinner meals for budget-minded households.

@xCCflierx Ай бұрын

Lol that fourth one was just a book plug

@NipItInTheBud100 Ай бұрын

I love when Dave says he doesn't borrow money. Thats easy to say when you have the net worth of Dave Ramsey!!!

@amireallythatgrumpy6508 Ай бұрын

Not borrowing money for 30 years is part of the reason he has that net worth.

@NipItInTheBud100 Ай бұрын

@@amireallythatgrumpy6508 I doubt he has never borrowed money! He doesn’t now because he has millions of dollars! I wouldn’t borrow either!

@futuremillionaire72 Ай бұрын

Great points Dave! Ignore the haters!

@lepoj Ай бұрын

Was Dave saying that 8% withdrawal rates are safe a myth?

@jackb5640 Ай бұрын

I dont think so. Easy to dismiss these easy ones though and ignore the factually incorrect ones 😂

@bygone8676 Ай бұрын

Start with $100+M and you'll be just fine

@TheDjcarter1966 Ай бұрын

Yeah no he said it and it's flat out wrong and terrible advice...but I'll take 90% of what he says is spot on

@amireallythatgrumpy6508 Ай бұрын

@@TheDjcarter1966 To retire at all is flat out wrong and terrible advice.

@thedopplereffect00 Ай бұрын

@@bygone8676you would still likely run out of money at 8%

@firststar2 7 күн бұрын

I am not that broke. I just love rice and beans. I cook a pot of beans and freeze it and eat it. You can use beans with everything. 😂😂😂😂

@Ray_LaFleur Ай бұрын

"I haven't borrowed money in 30 years" easy for the rich dude to say lol

@chicanoazteca8614 Ай бұрын

Nah. Debt is easy to stay away from outside of a home. I'm 29 and the only form of debt I've ever had has been my home.

@Ray_LaFleur Ай бұрын

@@chicanoazteca8614 sooooo, you're saying you've borrowed money?

@alluringbliss4165 Ай бұрын

Rice and beans every day gives you a bid belly

@carolethomas9808 Ай бұрын

At UNC CH a club sponsors a lunch to raise money for the hungry. They have beans, rice, and corn bread, the menu for the poor. Every time it sold out before noon.

@johannesswillery7855 Ай бұрын

Dude I was raised on beans and corn bread. It is fit for a king in my view!

@corvairlover Ай бұрын

The complaints I see are about people with zero to ultra low interest rates keeping that debt open and using extra for investment or complaining about his investment strategy. I have never heard of anyone making comments that they discussed in this video.

@lepoj Ай бұрын

They're going for low hanging fruit to make themselves look smart

@thedopplereffect00 Ай бұрын

@@lepoj100% this. And his name calling is childish

@Aki_Lesbrinco Ай бұрын

Yup, they didn't mention any of the misconceptions people really criticize Dave for. It was a pretty dishonest video.

@charisginn6932 5 сағат бұрын

Probably because that’s not a misconception, he actually teaches that. Just like the 8% withdrawal in retirement thing….it’s bad advice, but it’s what he truly believes.

@darinherrick9224 Ай бұрын

I'll be honest. I'm $10,000 in debt spending $1-2,000 a month on medical bills aside from what's covered by insurance. I have no hope. I'm working full time and my health is terrible. I had another TIA yesterday and I have chronic chest pain. Sorry Dave, after 4+ years of looking, still no diagnosis and I have no hope. I'm pretty sure I'm going to die in debt, and die quick. My symptoms started at 2020 and my health keeps getting worse with no diagnosis or effective treatment in sight.

@candicecwl8186 Ай бұрын

VA backed mortgage loans does not require PMI. Dave has a lot of good advice but finance management is not a one size fits all.

@vivr662 Ай бұрын

Dave has said his baby step principles are the fastest way to wealth and financial peace. He has never claimed that everybody will want to choose his pathway. Some people do not want to make the sacrifices and Dave is okay with that.

@jacobfaso5517 Ай бұрын

Softball 🥎

@kasmirsdaughter6211 Ай бұрын

Newspaper article: Dave Ramsey said eat beans and rice Dave Ramsey: I didn’t mean that. I meant eat broke people’s food. Beans and rice might be too expensive 😂😂😂😂😂😂

@tylertoten6818 Ай бұрын

Everyone is so addicted to credit cards and cash back rewards. It's insane!

@lepoj Ай бұрын

If I have self control and pay it off immediately, what's the problem?

@alinatamashevich3354 Ай бұрын

Airline miles!

@jimmymcgill6778 Ай бұрын

No they aren't.

@jimmymcgill6778 Ай бұрын

@@lepoj Nothing.

@cindymann3673 Ай бұрын

And honestly, as I person who has found herself in that trap, the points kind of aren’t even worth it for for me.

@autumnjerene Ай бұрын

Beans and Rice, Rice and Beans: A Budget Friendly Cookbook by Sharron Ramsey! I'd buy that. It doesn't have to only have beans and rice recipes. It can have lots of different kinds of low-cost recipes.

@lgrantnelson2863 Ай бұрын

Sounds like a teenager making excuses why they can't mow the yard.

@Tank-vi2dv Ай бұрын

This episode is for you, Jimmy

@alinatamashevich3354 Ай бұрын

Mic drop!

@jimmymcgill6778 Ай бұрын

You don't like people that have different opinions?

@alinatamashevich3354 Ай бұрын

@@jimmymcgill6778 Not when they are constantly wrong, like yourself!

@dustinadair7893 Ай бұрын

Shit Dave I didn’t know you didn’t mean that, my doctor said if I don’t stop eating only beans and rice, rice and beans, I’m going to die from malnutrition, I’ve been on your diet for 2 years and I’m starting to see my ribs.

@leborhal7450 Ай бұрын

I've bought my mom and sister multiple copies of the book... I figure if they have enough of them they have to start moving them out of the way they might eventually read the darn things.

@charisginn6932 5 сағат бұрын

Haha, unfortunately that’s not usually how it works. The more you push something on people, the more they resist. Better to just tell them about your success and wait for the beautiful moment when they ask “how do you do it”

@DudeDude491 Ай бұрын

Beans and Rice Rice and Beans Book Co- Author Dave Ramsey….If that Cookbook existed I would totally buy it..

@alinatamashevich3354 Ай бұрын

101 ways to prepare Alpo and like it , was his other book.

@DudeDude491 Ай бұрын

@@alinatamashevich3354 Hahaha good One Alina 👍….. Are you Russian or Ukrainian?

@itsallperfectlynormal9805 Ай бұрын

With cash, of course 😅

@DudeDude491 Ай бұрын

@@itsallperfectlynormal9805 Of Course only 💵

@Flipper86 Ай бұрын

@@alinatamashevich3354Didn’t know Alpo was still available.

@teekay_1 Ай бұрын

Beans and rice are fine, as long as you add some green vegetables. I could eat that for a long time. As far as "mortgages are bad", if you don't have the money, you're still going to have to pay someone else to live (it's called rent), and you'd be better off giving it to the bank because you'll eventually own it. That's far more important than paying PMI

@BlueDauntless Ай бұрын

Renting buys you patience. And if something breaks when you rent, you don’t fix it. If you own it, it’s on you.

@davidbrayshaw3529 Ай бұрын

And a bit of chicken or ground mince! As far as mortgages are bad, they've worked out well for everyone in my family, including my 26 year old son. Five years of pain buys a lot of comfort.

@matthewphillips5483 Ай бұрын

@@davidbrayshaw3529 That is my concern...those first five years.

@Raphanne Ай бұрын

I´ve seen other KZfaqrs making vidéos about you, criticizing you about things that made me go "Wait, Dave never said that." One in particular including you in a video with scammers and deeply dishonest people as a cautionary tale not to follow, and I thought that was an unfair association.

@b-rad-3849 Ай бұрын

He did endorse “Time Share Exit Team” which turned out to be a scam. I doubt Dave knew that at the time though.

@aarg2609 Ай бұрын

Resturunt 😂😂

@SebastianKrabs Ай бұрын

The recipe is: Rice(yellow), beans, salt, chicken meat(dark), and ketchup to top for taste. 🤗

@JasonDeville-fi4dh Ай бұрын

Dave the guy who had 500k in student debt and failed his course really does lnt have any hope though lol. He has no hope to steal.

@matt13572 Ай бұрын

Red beans and rice is my favorite meal.

@ji-inroh495 Ай бұрын

The irony is: "Rice and beans are both incomplete, plant-based proteins that, when eaten together, form a complete protein." ✌

@masterofthemash5310 Ай бұрын

"Its not good for my physical health" Smh

@silentcoconut Ай бұрын

I love this athleasure faze for Dave.

@RepentImmediately Ай бұрын

The point of rice and beans is that the combination is cheap AND it forms a complete protein. People who are adding meat to it are missing the point ob both accounts.

@rabbidginger Ай бұрын

the last part sounded like a dig at Joe Biden lol

@Mellow4202 Ай бұрын

Shiiiit. What you guys know about pinto beans and corn bread lol I do agree though. Stop eating expensive food. Anybody who took that metaphor seriously, just like Dave said, has serious problems. I'm not eating pinto beans and cornbread for dinner every night of my life lol I sure as hell do eat it though and I'm not even poor. The majority of my money gets put in the stock market. And not because I'm wealthy, but mainly because I have no debt and no kids.

@georgewagner7787 Ай бұрын

They did in the beginning

@joanpearl7184 Ай бұрын

Ohh crap, my favourite food is beans and cabbage, and cabbage and beans 😂

@b-rad-3849 Ай бұрын

I feel bad for anyone who has to take a long car ride with you!😶‍🌫️

@georgewagner7787 Ай бұрын

My newest property the bank made me put down more than 25 percent bc my salary is low

@IrisP989 Ай бұрын

Is that a rental your primary residence?

@darinherrick9224 Ай бұрын

I’ll tell what you’ll borrow money for. Medical treatment. You can’t just not go to the ER when having a heart attack Dave.

@user-ng9pk1nr5e Ай бұрын

Dave said he would not borrow money. Dave is worth hundreds of millions of dollars. Most likely Dave has heath care insurance too. I opine that Dave has never said no one should ever borrow money.

@bradleygraves5915 Ай бұрын

Not sure why people would knock it. Literally, I will make extra black beans and rice to save for lunch leftovers. Especially if I can throw chicken or pork chop leftovers in it.

@brentlorrilliere6057 Ай бұрын

If Dave really wanted to take advantage of his audience, he could create his own bank, where he set up different accounts for customers, and then pay them less interest than he could earn in t-bills. "The baby step one account", "the baby step 3 account" "the baby step college fund" "the baby step roth IRA". He could simply ask, "what's your customer number", and he'd know exactly how much they've invested in Ramsey....and if they haven't, then he could turn them away without any advice. If you don't commit to the plan, you dont get a vote.