Either way you're miserable, I'd say it's better to not be

The goal is to not be miserable, then it don't matter if you are rich or poor

First world problems, lol.

miserable poor people are more creative. I'd rather be miserable and poor.

@@KazzArie Do you mean living under a bridge homeless poor?

Right which proves money only solves one problem...your able to buy things and go places. But we have to find out who we are as people and what we want from this life.

CLMF 😂

🤣🤣🤣

Fo really real

Before I even watched the video I liked your comment.. facts 💯

cheering for you buddy, thoughts and prayers when you get there.

Can you give me some money to make me happy. :)

Right

maybe you're not miserable yet, but you are officially loathsome!

Me tooo 🤣

Freedom is overrated

Lol

freedom = happiness

& Peace of mind... At least to a certain degree

It can buy you a lot of misery too. People will hate you for it and many people will use you. Family and in laws will expect you to keep giving them money, and if you don’t, they will spit in your face. I know this from personal experience.

Then you aren’t buying many dinners😅😂🤣

Nice idea man 💡

I want to be able to do things like this! I’m a therapist so my goal is to be able to offer more pro bono spots as my career goes on, or pay for someone’s therapy with another provider. Emotional healing is one of the best contributions I can think of!

It means none , nice way to brag 😂

I was at a fancy restaurant and they we weren’t on our phones we were all relaxing talking (my brother my father and I) some regular Italian came up to us and started talkin and we talked a few times in between before he left. All said and done he left we said bye. He paid for our billi was so surprised it was like 320$ for all of us

Lol

They do all their crying behind closed doors

😂😂😂😂

Lol but the jet ski does lose its charm a good bit after like the 200th ride, and then it’s just one more “thing” that you feel attached to and feel you have to take care of. It’s obviously not the worst problem to have though lol. I guess it’s just that life is funny.

I could really use a $60,000 truck. Just sayin.

I remember seeing an old documentary on the queen of England and she was growing her own vegetables and had a big garden and picking it herself . I was like she could just pay people to do that for her or just buy vegetables at the store but what you wrote makes sense

Thank you Christopher

How much do you make a year

@@mckjohn654 um no

Then work for it

Thank you!

🤣🤣🤣

😂😂

Welp .

😂😂😂

What was your best conversation?

@@dianecelento4974 That’s a great question. I don’t know if there are any that stick out in particular. I think it’s experience that I remember, more so than the words that were exchanged. They were content, wise, and in many cases genuinely happy. I just found it fascinating that so many people in what I would consider “tough spots” didn’t act like it. And on the other hand I know so many people with more money than they know what to do with that are full of bitterness. Not saying money is evil, that’s a fallacy. I just think it’s interesting that money sort of becomes irrelevant on the scale of happiness or contentment. Take care

@@ryandelsignore Thanks for the answer. And it's a beautiful thing what you've done.

This really gave me goosebumps and teared me up the beauty of humanity

Nice

Yes, I agree with you. But does the teacher need to earn millions of dollars off of the common sense he's teaching you? That's what you're promoting by following this channel.

I guided many young folks at my previous job - having been there 28.5 years. ON the day I was leaving because I and many others were laid off (the plant eventually closed), all these young folks came and THANKED me for providing financial advisement and PUSHING THEM to GET into the company's 401K. Each bragged how much money they had saved...and you could tell they were proud. THAT event was VERY satisfying.....and getting a 39 week severance package with health coverage.... Yes, I am working again.

Thanks for the reminder.

Yes, if you're not in poverty and you're not in debt. If you have food, clothing, and a place to live. Then you can aim to give from your time and/or money to lift other people.

Indeed it is, once you have enough money for food and shelter. It thing that gives a greater satisfaction than anything else you can buy.

I’ve heard earning it yourself is rewarding as well, hint, hint

@@mrsilverman24 depends. Giving a scholarship to someone who would not have the possibility to attend Uni otherwise for example should feel good.

Motorcycle Michael “I am my own charity” -The Millionaire Next Door

I’d suggest giveing of your time money’s not an option donate your time to habitat for humanity , get involved in charity work these will get you involved with things that will give you happiness and it’s not only just giving money

My mountain is always higher

I've been to the top of a mountain - it's a cold, desolate place with no community, no ice-cream, no 'connection' to anything other than the concept of your own insignificance. The mountain doesn't care if you climb it or not - people come-down from the top of the mountain eventually, because 'life' is in the valley, where the village is.

@@Kidsinamerica wow man

@@Kidsinamerica ummm

So so so true! Love this 🙌🏼

Doing demanding physical work at your age, may send you to grave a lot sooner, think about that.

@@Giorg189 don't buy it.. our bodies are made to move and work. Once you stop moving, its over

Well said 👏

Mica, what do you do for work?

This is the truth!

The fault I would give Dave Ramsey is he is not clear with callers that he makes money from the endorsed local providers he recommends. He should be clearer when communicating the financial interest he has when he recommends services.

Just people. Doesn't and shouldn't take an org. If you're good at something, share your advice. Take the advice of those who are good at something else. It's that simple.

For the two commenters: I hope that no one points out your faults when someone else is trying to give you a compliment. Jeez

Yes!

I'm celebrating a $30k stock portfolio today. I started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me

One needs to diversify it's source of income to enable them to still maintain financial stability, there are many assets that can make you rich *FX *BITCOIN *REAL ESTATE *GOLD *STOCKS Through being an investor you can gain financial freedom even after retirement

You're right but a lot of people remain poor due to ignorance

Not because of ignorance, it's because of the high rate of unprofessionalism in the crypto market

Crypto is a whole different ball park. I would only invest funds in it that you are willing to lose or dont need. In terms of day trading crypto I don't keep an eye on anything at the moment except XRP. Wouldn't be right guy for day trading crypto

Dont sell it cheaply sell it at or a little below market value

@@noobjitsu1743 Learn to be satisfied with 3 times what you paid for materials. Asking for more may take longer to sell if at all. Don't be greedy. You don't want your merchandise to just sit there for an extra $1.

@@noobjitsu1743 Find several stores. Rotate your collections every Spring and Fall. It helps to freshen your display. Keep it new and exciting.

What kind of craft?

@@Sara-9865 Be sure to make something that is unique as well as useful. Handmade is very popular.

Dave needs to be nicer. Lots of lobstermen looking for someone to help them out of debt these days. On the flip side, I wish the price of lobster and crab legs would come down some.

eating animals is not acceptable. if god allows animal abuse, what does the devil allow?

IMO crayfish tastes much better.

@@dorian2112 vegans to talk.

@@jamesbael6255 i do not do the jesus or satan thing, i do not believe in fairy tales. i only mentioned it because DR is christian, which is about jesus and satan.

I would get rather rich and learn that than make it an excuse and not chase my dreams!!!

😂😂

Yeah no disrespect to him or his accomplishments but that's not a ton of money. I thought he had 10M+. He still has to watch how he spends.

Ha! For real. "I have too many toys and now I can't afford rent."

Just watch what he said. He doesn’t spend much. So LA is not an option. You need 10 M to retire?? What kind of spending do you do?? Wow

@@JMian I was responding to the title.

I assume you're a gold digger?

🤣💀

he has a wife, calm down y'all

@@bernitaldown9136 just a lil hustle

@Itss ARTAMIS how. I live near rich people, but no clue how people get sugar daddies or sugar moms

This is my early retirement goal.

Animals and food are the same thing

That's what I'm working towards

This is my goal too.

Now he’s stuck staring at the credits for the next 50 years.

He has plenty of side quests he can do

sounds like that guy had decent investments so he probably wont go back but fair point. Kind of sounds like he is bored rn

Or he suffers with depression, add or some other mental illness.

Yeah sounds like depression

I don't think boredom or lack of motivation to get more is the same as a motivation to never be poor again. Fact is, this dude is almost certain to never be poor. He'll never have a house payment again, for one. Fact is, the more money you have, the less marginal utility you get from more. Give $200k to some 26 year old girl w/ a third tier toilet law school degree, and her happiness will skyrocket. Give it to Warren Buffett and he'll probably just shrug and hand it over to some charity. I know my biggest challenge right now is continued motivation, when your lifestyle is perpetually below your income. I'm in a good, but not in as good of a situation (hoping to be a millionaire by 40, but even then, a lot of net worth is tied in real estate with mortgages attached, so I can't just liquidate and then start piling all the house money I'm not paying into investments), and it's still challenging.

I connect with him and about same net worth and age. I was extremely poor as a child(food stamps, And bagged groceries for tips at 9 to buy my own toys) and until my 20’s. It’s definitely not depression.

I'm an Agnostic-Atheist and I enjoy Dave Ramsey's financial stuff.

That's great to hear! Dave Ramsey's wisdom for life comes directly from his Christian faith. He & Ken speak words of wisdom here. I'd highly encourage you to learn more about his faith journey & Christianity. Tim Keller has an excellent book called "The Reason for God". Check it out! There is only one true God & His name is Jesus.

Same so many of his values are part of islam its cool its different from other Christians I know.

I'm a Libra, I love long walks on the beach drinking wine and I love Dave Ramsey too.

@@andrewneal2750 I urge you to read chapter 19 (Mary) of the Qur'an as well. You won't be disappointed!

Yeah, it takes a little creativity to come up with ways to be generous other than "writing a check that you don't get to see the result of".

those are great things to do, but in the grand scheme of things it doesn't change their life trajectory. what would be great would be to give strangers money, but also teach them a little bit about basic personal finance and compound interest. a simple compound interest calculator example is what really made it click for me. an example such as 10k invested each year for 40 years at a 7% return ends up being worth $2,136,095. 10's of millions of people in the US can afford to invest 10k a year, but very few of them actually do so, because of fear or simply not knowing what they're missing out on.

@@Big-Government-Is-The-Problem so, when I'm 80 years old and can't tie my shoes, ill be worth 2 million. How about spend it all before then? Sure take care of your kids, buy don't just save to be saving. You should start spending that money when you retire and see the country.

@@Big-Government-Is-The-Problem Very true, you'd really have to become an expert or find a expert that knows how to draw people in and get them to learn. We know sending kids to school doesn't make them get an education, it makes them go to school, they have to have some kind of interest (or fear of negative consequences), which can be generated by a coach or teacher.

@@insideoutsideupsidedown2218 i agree about spending money and having a life full of experiences. in my example 18+40=58 which isnt even retirement age. people should of course budget in vacations and fun experiences into their life plan.

@Eric Cuevas If you live in the US, there is a greater than 50 percent chance you don't take care of yourself. I am being very generous with that number. But even wealthy people eat garbage then use up medical resources to fix the problem they created. Anyone that has financial security should not be complaining.

Win-win

I get that it's a joke, but money won't make you happy and that's the point.

Beatyofeet32 that’s why I have kids :)

@@armyretguy7365 Lol...perfect response

Beatyofeet32 It makes me happy and content. Nothing was never handed to me especially money. More rewarding when you do it all yourself. Who do you think is more happier? Someone that lived beyond their means in debt and whatnot with no time or money to spend with 97 year old mom in another state. Or living within means,zero debt, with all the money and time needed to just leave work to spend the time with loved one and no financial worries.

Who needs friends

@@kalobtzzk4458 Everybody needs friends. Apple toys shiny cars and alcohol are fun for like a day.

@@Joe-jc5ol there's no such thing as friends, it's all lies. Even brothers and sisters turn on each other. It's all fake and people are looking for their own benefit. What you said proves my point as well, you're looking for fun *your own benefit.

Lol

Travel the world 🌍 Don’t get stuck in your house because that’s the end of it

I agree with that to a certain point, but I think we’d all be happier in an building with a roof over our head and food on our table than being homeless and starving.

Use your passion to create money. If you make electrical products make an electronics business and make money doing what you love

Brayden Karpinski Also family first.

Adhi Suryana Nothing wrong with helping people. I’m not giving money to anyone because I am my own charity in that respect. I do volunteer my time.

What did you do then?

where are you at now

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 However, if you do not have access to a professional like JUDITH ANN PEACE, 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

@@Dunker762 Oh please I’d love that. Thanks!

@@Lourd-Bab Judith Ann peace is her name

Lookup with her name on the webpage.

It's unlikely, because you develop a thought process for how money is spent while you are building wealth. Once you have it, you are happy to give to organizations that you believe in, but you want to give it away in very known quantities.

Love dogs

Then you have to kill dogs 😕

Animals are more tolerable than humans lol

@@johnsterling5533 not all shelters do that but yea it is sad

Totally agree with you.

I don't recall if Abraham Maslow addressed multi millionaires that exceed the top tier of self actualization and yet take their own life. Dave is addressing this issue from a biblical perspective unlike Maslow.

Sunny D The caller isn’t a multimillionaire.

@@sunnyd4734 the highest tier is only met once money isn't an issue anymore. So can't really follow your logic.

@@sunnyd4734 What you are saying is confusing. This guy didn't reach self-actualization, that's his need. It's not as straightforward as making x amount of money, he's talking about meaning of life. If you don't find the meaning of life, you don't reach the self-actualization. Exactly Maslow's theory. Edit. I think I see you are trying to tie it to religion. It's so annoying when religious people do that. It's like you have a hammer and everything looks like a nail to you guys.

That's a great idea

Why help folks in Africa while people on your hometown are hungry? I'd prefer to help people from my hometown in need of a helping hand.

Check out “let them lol” they drill wells in Africa .

@@Giorg189 Regardless of where the people are from they need help and there is nothing wrong with choosing to help either or both.

Charity water is a fantastic organization

Great advice. Smart person.

That is exactly right. I've always said the purpose and intent for gaining wealth is to be able to help others.

'... reasonates with your spirit', teach me your ways master😁.but seriously, thats very deep.

Yup, follow what Carnegie said.

Love love love this comment! 100% with you! I can’t wait to get there too! I wish we could start adopting now! There are so many children out there who need a good home and loving parents!

God brings peace in your life, start praying and studying your Bible and you will find the peace your looking for

Dividend stocks fall harder then others. Also any dividend stocks paying over 4% is usually not sustainable. Buy these during the next 20% sell off.

DWYS WYSD ever heard of at&t?

@@confirmhandle I dont buy stocks , only ETFS that dividends so im set chump.

How long did it take you to build up dividend income to cover bills? I'm just at that stage now, paid my house off and starting to invest in stocks for the first time

Well said

Azzo A single person with no kids will always have oxygen.

@@blackworldtraveler3711 not z generation and some millennials living at home.

209 Michoacan Not talking about lazy people. All about choices. Some people lay down in life and others step over them and succeed. Just like past generations. Nothing new about this.

Precisely

Lol, right you have to speak it into existence.

@@Tigerkem I have found that, that way does not work.

@@ejasonrichmond It was mostly a joke. Although I do believe verbalizing actual and tangible goals holds you more accountable to actually follow through with it.

@@Tigerkem no harm no foul

Vegas can and will rid you of excess cash. 24:7.

I will take being miserable and rich over being poor and in debt anyday.

Not common either. I have a lot of money,zero debt,single,no kids,no wife, and always avoided single mothers. But I have a girlfriend of over 15 years with her own money,wealth,etc. and don’t need me financially. Friends and family. Just retired 15 years early after 10 years of taking off 3-4 month off work each year without pay. Also world travel,volunteering,online gaming,organic gardening,cooking,books,chess,stock/options trading,exercise routine,etc... And just retired 15 years early 3 months ago. With this virus, quarantine,etc. I’m enjoying being home. No issues. Just continuing what I’ve been doing but with no work or schedule. Don’t even know what day of the week it is half the time since everything is always open daily and I don’t own or watch tv.

Joshua Pope 🗣THANK YOU!! I’m like, I wish I had these problems 🤣

Joshua Pope are you dense? It doesn’t matter if you have a billion dollars if you’re MISERABLE you should choose any other life style that brings you more happiness since that’s all that matters in life

he has a wife in kids, and is giveing away money.

Exactly 💯

Same! Just dont have money to start it. I would love to have catering business

He probably already has a business hence he’s cashed up.

I’m writing the lyrics to my debt free song right now. I’m singing things that are not as though they were. I’ll post my first KZfaq video when I get there.

It comes with a lot of headaches and stress, but if you can mitigate that, it could definitely be worth it.

That is a lot of problems to deal with

That’s amazing

I'm sure that would be nice, but it won't bring lasting happiness.

Sure, post it on KZfaq and make other people happy too!

You say that but 3-6 months later you likely be pulling your hair out. If you don't have a true purpose then you'll be constantly unfulfilled. That's why there's so many depressed millionares. Money is an important tool but not the key to happiness.

It gets old after awhile. When you have no purpose in life, you die. That's why some super rich celebrities kill themselves.

@@Tigerkem he can try to go pro surfer thats a purpose

Help those that need help.

@Harvey Weinstein can you go be a troll somewhere else?

That would be more Charity he already said he does that it's just a check with no return , it's not gonna motivate him focus on his problem , CONTRIBUTE

@Kenura Medagedara yes like volunteering. The thing too many people see as community service sentenced by the courts sadly.

You put too much value in manmade creations like college and scholarships. Guarantee the vast majority of people do not need a degree, they need certifications or apprenticeships for everyday/high availability placements, and to start learning from a younger age than they are made to now. By their parents and other adults in their community, not govt subsidized preschool. Did you know you can just study independently and pass college graduation exams without paying for classes? I know plenty of paralegals who went on to pass the bar while banking paychecks and attorney recommendations along the way.

Stop being a bum

t There are still bills and rent. What are you talking about?

You need to update the people you know. You are the average of the five people closest to you. Mindset is by far the largest factor in your life. It allows you to have a different vision, a different path to get on, and to take different actions to get a different result.

@@blackworldtraveler3711 He means he doesn't have to worry about them, not that they don't exist.

cshude Update and sometimes you flush and start from scratch.

Daniel Sheppard Makes sense now. Must admit that sort of thing is on automatic and secure for me like it doesn’t exist when I think about it. Like a faint humming in the background with no effort anymore.

Ive got the theme song stuck in my head everytime someone calls in lol

The Garage Gardener You can’t figure this out for yourself? Only you know you.

re: "specs on this guy" - What would you do with the information?

That’s what I was thinking ... travel chill and work part time on a online business

What could be more "satisfying" or a challenge then to invest in other people in need, someone you can ACTUALLY make a Visual change in. Your coming full circle. Either that or write a book 🤣🤣

That's like when u use the cheats in video games. It's not fun anymore. I'd do farming. Working with your hands and creating crop and caring for animals would give me satisfaction and on side of that I would start a foundation which provides scholarships.

Matt 5:33- Happy are those conscious of thier spiritual need. Contrary what was shared in this video our purpose is not just to work and die. We have a real purpose that shared with us in Gods word, and its very opposite of what most of the world defines as success.

Considering he has another 30 years ahead of him could easily be multiple million. And in some.states a million lasts you much more..

Depends on their lifestyle. My wife and I are worth less than that but we live a debt free simple frugal lifestyle, so the amount that we do have while small to many seems like a fortune to us.

Have no debt and works, lives with-in their means. Better off then me at this point and I’m two years older. If I was debt free I could make moves that I can’t. Making those move could very easily boost their wealth. Congrats for them. That hard work paid off.

@@ozzymartinez3820 I could retire on a million easy. Even 300,000 be sufficient. 5000-6000 if I'd everything paid for is all I would need. I'm working on solar, all electric. House costs 128,000 if I finish the basement like upstairs and include attached garage on my brick house I have 3600sq ft. My property taxes $1600 for the year electric $75 a month average, $85 cable $430 for year of cell service. I have septic/well and geothermal and electric oven. Septic costs like $200 to clean every 3-5 years. Only thing I would need to add is food. Lets say $250 a month...$3000 a year my truck and house insurance $1500. I'm probably in $10000 for everything a year, now add gas for travel $4000-5000 unless I get all electric car which is free with solar. Money would add up fast, I could do investments of all sorts. Right now I'm working on upgrades because of tax credits, trying to beat inflation and aiming for long lasting products with high efficiency. Sometimes I think it is a mistake for me to help people... I say it because I've been unfriended or ignored if they request my help again and do nothing. However I didn't get involved a 2nd time helping because they didn't keep promises to repay and they didn't bother to talk to me and spent money on vacation or drinking & smoking... I'm not upset they didn't repay, I'm upset there is no explanation and they want more. Thing is I tell people that try to pay me back, I say keep it... I'm just glad to know they wanted to make it right and pay it back as promised. I end up telling them to help someone as I did for them if they can as a way to repay me. Unfortunately most people claiming to need money don't need it, they just can't stop bad habits and most I've found betray you.

Where I live I can retire comfortably at age 40 with less than a million. Cost of living is low, and I'm very content with an average house and cars. I'll just be owning my stuff instead of my stuff owning me. I'd always rather look like I have far less money than I actually have. The opposite is common in the world. Most people look like they have money but all they have is debt.

@@mrbigsquare382 You won’t know until you get there