I love when Dave goes on a rant and Rachel just laughs🤣

I appreciate having the show on KZfaq so I can listen. I have always lived with zero debt and have had a very successful and rewarding career. It's always good to hear Dave's common sense approach to personal finances. My Grampa was an Irish immigrant and he once told me an old Irish saying is ...."out of debt - out of trouble". Thanks Dave and Rachel

Between Rachel's giggles in the background and Dave being SO fired up, this was a great episode!

Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.

I wish Dave and Rachel hosted together more often!!

I'm not gonna lie, I got pregnant and never stopped school. I went to physical classes while pregnant, had my first child, and started online schooling maybe 2-3 weeks later as a single parent. I completed my bachelor's in about 5.5 years. If I didn't do that, I can almost promise I would have never went back if I took time off lol.

Love Papa Dave when he is at this intensity,.....it is the reason he is the greatest at what he does,.....Financial Peace!!!

Oh boy, that poor young couple has nooo idea how much a newborn is going to change their lives! Wowza

Dave is extra spicy today. Love it!

"Don't give them the deed to your butt!" Great slogan for a t-shirt or coffee cup LOL!

Love your show and plan for money! Wished I had found you 50 years ago! or 20 years ago. Too late for me but I spread the word in my family .... and grands. Best show on U-Tube so encouraging for all. I am and have always used a budget. No other way. God Bless all. a.

Rachel, you do a good job at explaining things to these callers

I love Warpath Dave. The airwaves will never again be the same when he retires.

Meeting Dave Ramsey was my pinnacle, which I had the opportunity to do when I was there a couple of weeks ago! 😊

I love how Rachel squeals when she feels cornered lol but yeah the Smart Money Happy Hour is 🔥

for some reason I love the way Dave says cash 💰 😂

What a love about Dave Ramsey show is how they say things in black and white with no artificial colourings. No doubt some scammer with reply to this comment soon enough

Completely understand the 'special occasion' dilemma. We're not in debt but when family are emotionally blackmailing you to attend a celebration (50th wedding anniversary) involving high-season flights it's hard to say 'no'. Part of me wants to keep them happy but the other part of me wonders if anyone will even notice if we're there or not once the drinks start flowing! We see these family members out of season, but usually choose not to fly in August!

1:14 "nobody wins without paying a price" Yeees thank you, absolutely love the show, thank you for changing our lives❤

Dave is in epic form, lol

Dave is thee BEST!!!! Nothing better happen to you as you cannot be replaced!

1:29:00 Dave cutting up physical cards. Awesome!

Papa Dave brought the 🔥! Great show!

“ THIS” IS WHY I LISTEN TO DAVE RAMSEY!!! CLASSIC, RAW RANT!!! I DEF NEED TO HEAR THIS AND TO CONTINUE TO HEAR THIS!!! 👏🏾👏🏾👏🏾💪🏾💪🏾💪🏾💯💯

For Tyler that is hard. My late husband had a huge family and it seemed like every month there were something. A birthday, a christening, baptism …..money …..gifts. Tyler could go to the wedding and tell his sister that flying to a destination resort for a birthday is just a little bit too elaborate for them ..at this time! Some of the choices are hard and you can’t do everything. It is hard, but Dave is right. Once you let something slip through that crack of your motivated foundation, the whole thing is going to crumble.

Omg Dave’s donut rant is so true but so hilarious 😂

Wish Dave & Rachel were hosting together more often...!

Dave is 1000% spot on regarding money should be boring. It should come in, and go out predictably to plan within tolerances. Savings and investments should grow like a snowball. Debt and loans should be worn down. You should not be losing sleep.

We got car allowance and then the pandemic hit, my husband was laid off and suddenly we were liable for that car. It was a Lexus. Talk about a nightmare! We had to sell it for what we owed. It took a few months to find someone but praise God we did. Never ever ever do a car allowance unless there is a clause that says they will take the car back at no cost and no penalty. Which I don’t know if that even exists.

Dave’s reaction to the Question of the Day coming from Clayton in Texas 😂😂😂 12:06

This father daughter team is 🔥

Shout out to all my people that now own their own butts😂!! I’m debt free and halfway through emergency fund!!

love it. dave popping off!

Some good Dave rants today 😂😂😂

Really love Dave and Rachel together. Rachel actually has her own opinions and doesn’t just mimic Dave like the other Ramsey sycophant personalities. More Dave & Rachel, please!

I’ve heard Dave say many times that ‘back in my day interest rates were 17%’ but that was also in a time where average house prices as a ratio against average wages were much lower. I just don’t think you can really compare.

DON'T GIVE THE BANKS THE DEED TO YOUR BUTT‼ I can't with Mr. Ramsey...😂🤣🤣 Thanks for the added humor to the truth. I agree and I'm an advocate for living a debt free life because of you. Many blessings to you all!!

Yes Dave! Love this Rant!!!

Thank you Dave

I shredded all my credit cards. The only card that I had to use a cutting wheel with a 4 1/2 grinder was my apple/Goldman Sachs card because it's made out of titanium. They made sure you could not destroy your card.

It can be done!! Next month will mark 1 year since we started the baby steps. We'll be consumer debt free by June 2024 if not earlier.

my fave duo: 1. rachel + dave 2. george + dave 3. ken + dave

Go dude! I’m a physician too and I need to get it together!

Get 'em Dave!! 😂😂😡

Dads tells it like it is

1:08:39 and following was Vintage Dave. Just say no, Tyler. Just say no. No is a complete sentence. Everybody and their dog will have a "just this once" and "special occasion" to keep you in debt or put you back in. Just kill that debt off, man, just kill it.

Love it! I'm with you guys...

1:25 * another fantastic Dave rant! hahahaha!

I had a baby and did 29 credits in 1 semester in college and did 19 the next semester after i had her. I was so determined to finish school while pregnant that i even was on the phone while in labor trying to figure out what i could do to get my grade up. The instructor was shocked to find that i was actually at the hospital in active labor and on the phone with them lol

Funny! I worked in an office from 1984-1990 where a person in my dept brought in donuts every day. I ate two every day. One day I decided, “never again, no more donuts!” Since then I have had donuts on only three occasions!

LOVE a Dave RANT!!!!

Dave is feisty today. 😅

The guy who wants to fly should start by getting his private on the side/weekends pay for it out of pocket to make sure he has the hands to do it.

Smart money happy hour...yeah. Number one fan here!!

Love love this!!!

Great episode! A Teenager’s Guide on how to Invest Like Warren Buffett and Charlie Munger is a great investing book for teens.

Dave Ramsey for US President 2024 🇺🇸

Another sad thing I am noticing is that everything is expected for credit cards. Got fuel and asked for a credit card, not a debit card. Paid my tuition only listed credit card, but still took my debit card. Heck I went to Olive Garden for the first time in like 2.5 years, (wow prices skyrocketed 21 dollars for drinking water), and the thing only said credit card . I think that's a big part of the credit card debt. I preach the ways of life without a credit card, but being people think I'm just *weird*

Dave is hilarious! Love him

Damn my guy Dave went ham for real leading up to pulling out the ✂️’s and cutting the cards up 😂 and kept it going!! CUT MORE UP!!!! 😂🤘🏼🤙🏼

The rant of the year 🎉

Blanket statements are often times not true. Everyone’s situation is different. However depending on you are it very well could be.

That’s way too low for a critical care nurse even in a saturated area and even for 2.5 years experience. Go somewhere else…..lots of people are making way more. I made that in my first year many years ago. I have a PA license and there are hospitals offering big bucks there. You could also local/travel and make your pilot school money in no time.

"interest rates are historically low". Yes, but home prices are historically high. Home ownership is less attainable now, than ever.

Rachel.....is like. OMG Dad. 😆

Housing prices after the 2008 crash didn’t shoot back up. My one buddy bought in 2006 at $250k, by 2009 it was $175k. It wasn’t until like 2017 that it was worth $250k. Today his house is probably worth around $350k.

Did anyone else notice Rachel’s face lighting up, when Dave said he’s leaving everything to the kids?

Dave and Rachel, have you read Vance Packard’s “The Waste Makers”? It’s as true today as it was in 1960 when he wrote it. You’ll love it.

I agree 💯

Hi all, how do I cut the cord with my adult son? He's out of school ~2 years now, makes a good salary, no significant debt (small school debt and small car loan - but after the second totaled vehicle I stopped buying cars!). He has a credit card for my account and still uses for groceries and some gas etc.

Christian if he’s not too burnt out should go into home care. RNs get up to $70 an hour for in-home care. It’ll be a real shame if he’s too burnt out to continue after only two years. A nice living can be made with the nurse’s degree. He’s burnt out with the medical mafia/big corporate regime that comes with all of your hospitals nowadays.

Critical care nurse needs to move . He can make 3x that much in Northern California. Can live in a smaller town and cost of living won’t be that bad. Definitely will make out a lot better at the end of the month.

1:01:00 sorry butDave is Correct. Any type of income source that you must check on pretty often a k a do any form of maintenance involving is not passive income. Because, you are still having to be actively involved in insuring that your product or service remains at a highest standard that your customer or customers. We'll want to keep paying to deal with. Facts don't care about anyone spellings about this.

Making 60 as a critical care RN?? I made 92 last year in a nursing home as an LPN… something aint adding up

RN can do a lot of jobs. Seem even remote with insurance companies etc. No patient care involved. He is burned out.....He needs to talk with an experienced nurse who can guide him.

Two comments about the couple with the wife finishing school to be an elementary school teacher with student loans. 1) First of all, student loans come due 6 months after someone stops school. Therefore, she may well have to start paying if she takes a semester off. 2) Secondly, some courses at the end of a college career have to be taken in a certain semester. Not all upper level courses are given each semester. She could be over a year behind at that point - and the financial cost of that decision has to weigh how much she would earn and that lost income, not just the several thousand dollars she would have to borrow. I'm a retired teacher and this decision has to consider many factors. I find that this show is weak on decisions about finishing college or not - they don't know a lot about how classes are ordered at the end of a degree and other options for finishing college inexpensively. Their advice is always to take some time off and cash flow - not always the best choice. His income is not high and she is not working now, so perhaps they should REAPPLY for financial aid and I would guess perhaps all of it might be paid for with a much lower income. Married couples are considered independent students and have a better chance to get financial aid with a low income than singles do.

Hmmm…a teaching degree all online??? I’ve taught elementary education for 22 years and have had 10 student teachers who spend a year being a student teacher in the school, everyday from 8-4. There’s no way you can do it all online nor self paced.

Every look on Rachel's face is exactly what I am thinking

@1:29:01 I'm getting Airline miles... Lol !! Don't forget the 3rd one is it yet a trillion in car loan debt?

Why was Daniel Boone in debt? Boone was able to make large amounts of money from his endeavors-all of which he spent, lent without return, gave away, had stolen, or just plain lost. This occurred so frequently that he was in debt for most of his life.

Dave Ramsey has same mentality of David Goggins , u have to be dead honest with yourself , tough love is real love

Nursing has a massive 5 year washout rate.

Dave is stronger and harder than that infamous morning wood on a sunday. Love this duo! Common sense on a common problem. God bless you Dave.

Another critical care nurse from Pittsburgh checking in dave. His numbers are accurate for pay for this area sadly.

If you cant afford a home dont buy one. Assuming prices will never come down ignores the unqiuely overpriced situation we are in. Interest rates are high relative to prices on homes that were set bases on a 3% rate. If prices never come down, you will have to move to a cheap city with a non local high income or accept that most people will be renters moving forward. Which might be reality. The government will try to solve affordability by pushing 40 year mortgags....

Donut Dave 🍩 😂

😂Dont quit nursing! Combine your 2 interests and be a flight nurse!! 2 yrs is such a short time in the field, and nursing is 100 careers all in one.

Your 100% on the money 🙏🙏🙏

First guy paid of 180 in 3 years worth an income of $290,000. Good for him, but sounds like he's still had a quarter million in anual spending, not accounting for taxes and shit, but still.

My wife and i use boa cc for cash back stuff we basic bills and food we have not payed any interest in over 5 years got 5000 cash back no we are not geting rich off cc we put the money on our mortgage principal and retirement 2 years and home will be payed off

17% back in the 80’ but prices of homes were 1/5th the cost.

Stop screaming Dave. We hear you just fine.

1:07:00 On Oprah.... Why is Oprah not married to Stedman.?.?.?.?

a wine expert? garyvee?

There is no Passives income only passions to do and the hassle one... Sir your right....

I guess because I don’t make a lot of money I don’t get the “should I do this or do that?” I don’t get what the guy was trying to do when he financed 2 cars when he had the cash for it. If anything take the loan so they don’t tac on all the extra fees for not financing, and pay it off the first month. But I don’t get these people who are like, “I have the cash, should I pay it off?” Duh, yes! 😂

Ytf would I buy a house when they are nearly triple their real worth, especially when everything says thr market is going to decline in 2024/25? "OH the interest is only 6 percent, when I was selling houses it was 17" yea and when you were selling houses the homes only cost 100k instead of 300k and your average income was higher value than it is now.

❤rachel is fine AF! 😮

Dave was pro-camper for about 10 seconds 😂 I wonder if he knows how much old Airstreams sell for? 🤔

Don give the banks the deed of your buts !!! 😂Dave is so funny but very right !!! Thanks to lisening to grumpy Dave, I got ride of my own debt, I only have my house payment now , so thanks Dave 😊