Senior in highschool and this guy has done a much better job teaching me to live financially secure than my corporate sponsored financial literacy class

"If stupid is the norm you want to be weird" i love it

I hate debt. Everything I have is paid for. If I can’t buy it outright, I don’t buy it. I love having everything I have paid for. No stress!

"they have student loans so long they think it's a pet" I almost fell outta my chair. he comes up with some great analogies.

I'm 15 and I decided to start listening to Dave and reading his books. Figure it's best to learn now because my only financial life/income is money that I get on my birthday or mowing someones yard. I'm very glad that I'm able to do all of this now so when I start getting into all of this I'll already have a sound mind and solid plan about what I am doing. Already saving just to have a foundation for later!

Been on the system for just under two years and have paid off 90% of our debts. I absolutely LOVE that my extended family doesn't get it. It shows we're on the right track.

I love Dave Ramsey he goes 0-100 real quick!!!! 😂

I wish I found you years ago.

See, I've always been told that I HAVE to have a credit score to do anything. I've been really worried about that because I've managed to avoid debt, and thus, have no credit score. This is a huge relief to find out that I can actually find a place to rent without a credit score. I can continue to live debt free! Hurray!

I love Dave. 30 days on his plan and baby step #2!

“If stupid is the norm, you want to be weird” I love it!

"Who wants to be flipping normal? Normal sucks! Be passionate!" (Y)

I'm 24 and I started listening to Dave. It is amazing that everything for you to get wealthy is laid out there by this guy. I will be debt free this November and I will be wealthy one day. You can do it too.

Preach! I love using my debit card for everything. I have no debt, no monthly payments. I've always lived by the philosophy that if I cannot buy something with cash then I have no business buying it at all.

Am I the only one that loves when Dave randomly yells to get his point across to only return to the most calm tone two seconds later? I laugh EVERY time

Some car rentals won't give you a car without a credit card but it's very minor compared to being *FrEAaKiNg In DeBt To YoUr EyEBalLS!!!!!!1!!* Love the sudden change in tone

I got rid of all my credit cards. And I follow Dave baby steps. I feel free.

I went to the bank the other day and they tried to sell me a credit card. They said it flagged up on their system that I would be a perfect candidate. I was like really! I think they wanted me to go into debt. I felt as though it was a bit irresponsible. I kindly smiled and said I'm fine. I have just started watching your videos and I have learned so much in the last 2 weeks than I have my whole life. Thank you Dave I wish there was more people out there like you. It's cool to not be normal! 💱

This man is a genius. I can't get enough of him!

"and payments on their STUPID BASS BOAT, GIVE ME A BREAK!!" - This made me laugh out loud and spit out my coffee 😂

As someone who has listened to Dave for years and started to look at other sources I can say make sure you find out for yourself remember you don't have to pay interest on a card if you make a payment on time consistently honestly it's more about discipline when using a credit card

"Who wants to be normal?! Normal SUCKS!!!" 🤣😂🤣😂

I love being weird!! Debt free for over twenty years!! Wooo hoooo!!!

All I use is my debit card. I said one day to myself, Lets see how I can do with just using my debit and cash? Its been 4 yrs and it feels good!!! I pay all my bills on time and even ahead of time. With money to save as well. Even before the Holidays roll around, I put away 25 dollars a week for a yr. So, when I buy presents it's all cash. I don't have to worry the following month on how that big that bill will be and if I can afford to pay it. Same thing with vacations, save in advance. I'm not saying credit cards are bad, all I'm saying is I've done well and feel better without using one.

Pay off debt! That screws banks literally.

You made me feel so relieved 😢. Here I am thinking I was a loser & you handed me back my intrigity. Thank you😢 thank you😢 thank you.

😂😂😂 👏 I'm glad to know that I've been doing the right thing when everyone tells me to build my credit. I'm 23 and never had payments or loans

I am Muslim and I love listening to Dave Ramsey. He is so real and does not sugar coat anything. How can people hate on him?

Well said, Dave! "Proving" your financial responsibility by building and maintaining a high credit score is like "proving" that you can live a healthy lifestyle by voluntarily acquiring a disease that requires you to live a healthy lifestyle or you'll face serious medical consequences. It's madness. Just live the healthy/responsible lifestyle in the first place; debt and disease need not apply.

The foundation of Dave's advice is old fashion common sense. I'm 58 and have followed this way of thinking all my life. It really works!

His message seems to be directed to people without discipline. I have one credit card and use it and pay off the balance in full each month ( no debt or interest). In the meantime, I rack up reward points that I can redeem for things I enjoy in life, and I have purchase protection for the items I have charged. I had a costly pair of eyeglasses stolen at the gym, but because I purchased them with my credit card, I was fully reimbursed by the credit card company. I'm not sure that a debit card does all that for you.

If you can't afford it you should ignore it, this is my spending habit plan in life. Swipe now and pay later mentality is a trap that I always tried to dodge.

*WHAT ARE THE CHALLENGES OF LIVING WITHOUT A CREDIT SCORE!* 1) *RENT* -I had plenty of money but they wouldn't give me my first apartment because I didn't have enough credit history nor renting history 2) *BUYING A HOUSE* - the average person doesn't have $200,000 + in their account to buy a house. And instead of paying rent where your money goes nowhere, it's better to cut it out and put that money into a house. Nowadays rent is just as expensive as a mortgage. 3) *INTEREST RATE ON A HOUSE* - the higher your credit score is, the less you'll get on the mortgage rate. Overall saving even more money 3) *JOBS* - there are jobs out there that won't even hire you if you have a low credit score, so imagine if you had none. The lack of credit score can cost you a job 4) *CAR INSURANCE* - some car insurance (I don't know about all of them) can be affected by your credit score. The higher you have, the less you pay

Many companies now do credit checks as part of the employment process. I can see this being a problem as well.

My countdown continues I’m now 1499 away from being debt free!! So exited!! Best wishes to everyone

I just love when he shout for no reason 😂😂😂

Why rent a phone when you can buy a phone for about 300$?

And here i was always told that i need a line of credit to be a responsible adult.

I call it a debt score not a credit score :-)

27 yrs old. Never have gotten a credit card. Refuse. They are scams and a nightmare and I’ve seen it firsthand too many times. I buy everything cash. If you don’t have the money, DONT BUY IT!!

I'm am so happy my high school finance teacher showed us your series. I have an unbelievable confidence, I have never had a credit card. And ive learned how to handle tons of things that are thrown ar me

We are on the 9th class of FPU 💝💝💝💝💝 On step 2 and we have paid 2debt 💪💪 This week we are paying off capitol 1 c/c😭😭✂️✂️✂️ Next week the Visa c/c✂️ The hubby and i are so excited!!!!!!!!!!

Ramsey had an Alex Jones moment 😂😂

22 years old and 10k net worth, cash flowed school, doing a master in Scientific data management and still cash flowing it. No debt, no credit card, my most valuable possesion is a 800 bucks road bike that i use to commute everywhere. Dave Ramsey's words is priceless. My financial life is truely peaceful.

Lol I was listening in the background and he started screaming and I was like "what's going on!"

I’m 18 and a few days before I found this channel I was looking at credit card options. Now I never want a credit card and I am saving almost everything I make

The issue I run into is if your credit score is too low you get denied when applying for apartments. While every situation is different for everybody, being a single mother on a lower income and taking care of debt they didn't directly build up, I just want to be able to get approved for a place where my son can be safe and secure. Every place I have looked at has required a decent credit score. It is hard to find those places that don't care about that or willing to work with you when you are relocating. Using credit cards responsibly could be very beneficial to building back up a credit score, but I do understand why he would be against them. Most Americans aren't responsible with them, and there is always that temptation and risk when you know you have that option.

Boy oh boy I wish I had ran into this guy 10 years ago before going into debt just to establish a credit score

Dave actually makes sense, even though many will disagree.

Me: i love my credit card Dave: starts yelling👀 Me: 🥺🥺

One of my favorite “getting my head back in it” rants.

A mortgage or car loan without a credit score could cost you thousands. I agree that a fico score is not a measure of financial health. Paying these high interest low payment credit cards get people into a lot of trouble. I admire you debt free and no bs approach. I think it's a good way to avoid many of the problems that can be brought on. But personally, with my normal spending habits before credit cards, I've found that the rewards and perks of credit cards have saved me money. I pay my balances in full every month so I don't pay any interest. For me, credit cards have saved me thousands and have complimented my personal lifestyle without me having to fork over my hard earned money to banks. That being said, credit is not for everyone. Just because something works in my favor doesn't mean that it will work in yours. See part 2

thank you! Right in line with Prov 13: 18 - Poverty and shame shall be to him that refuseth instruction: but he that regardeth reproof shall be honoured. KJV

When I started the Dave Ramsey plan many years ago, my credit score was over 800. I know because I refinanced a house to a 15-year, fixed-rate mortgage just like he recommended. My lender told me that was one of the highest scores he had ever seen. Now this house is completely paid for, and my credit score dropped by 200 points to just over 600 today. I knew then that it would drop if I got out of debt, and sure enough, that was true. So, I am financially much better off, but my credit score is lower. So, I definitely agree with Dave Ramsey that a credit score is not important. The only time it might be an issue is applying for a job where it is checked, but even then, a low credit score can be explained with supplemental information.

Dave Ramsey makes sense, no doubt.These are the kind of life lessons that should be taught in school starting with grade 9. So many kids come out of school with no understanding of taxes, costs of living, how to manage money and credit.

I lived without a credit card my entire life. I have no debt, I own my house, my car, 100% of my business that makes me 2m euro/year in sales. I started my business from scratch with little money but NO debt at all.

I just discovered this - how the heck is this not taught in every classroom every year to every student in the US??? So sad that I have discovered this as late as 40!

Thank god my mother listened to Dave for as long as I can remember. I'm 21, going to college, debt free and going to graduate debt free as well. I also own my car. I do have a credit card but NEVER spend what I don't have. I paid the bill in full on time every month and have a credit score in the upper 700's. Having a credit card can work but most people are STUPID

All the decent, convenient, and safe rentals in your area require a good credit score? No problem!!...just buy a house or condo for cash!

I just discovered this KZfaq channel 3 weeks ago. It has changed my life.

Just paid off my credit card thanks Dave for your guidance

Love his intensity and passion!!

Dave thank you so much. I binge watch your videos. Im currently in debt. I build my house with mybown money. House is not yet finish. Everybody gossips about my house that are not yet plastered etc. People send the minicipality's inspector for our house that are not done. He threatened me with a lawyer letter. Never did it because its my property. I almost went to bank for a loan but listened to you. I even send my Fortuner back tobthe bank so that i can have money to finish my house building project. I'm done with debt.

Just found out my credit score is now 0...paid off the cards in 2012, never looked back. Homeowner now, no mortgage and paying cash was my way...debit cards for two banks...and sleep well every night. Thought is was a problem once...and did the right thing this time. Thank you, Dave Ramsey. A fan for decade now...debt free. A few minor aged bills to get rid of, but nothing serious. I buy used tires for the car that's running well, good mechanic and DIY skills here...still rolling after 25 years and loving it. Even the AC still works...transportation is the thing. Cost effective for anyone. I feel blessed at 65 to have this peace of mind now. Others judge my style but I still work as a professional contractor and the diversity of my work keeps me going...tech guy here. IT support for local company seasonal and I stay current with software and apps that help the company do well. I learned to code and do HTML because people compensate well for such skills. God is Good, as is life. Cherish and learn to appreciate people daily. You get back what you put into the universe. Biblical principle...got to read it to understand. Then live it...with humility and gratitude. Life isn't as hard when you get your priorities in order. Listen to Mr. Dave Ramsey...he's been there and done it, so some of you won't have to. Common Sense...it's time, folks. Wake up America...the coffee's brewing for living well by living with less. Or better put, enough.

Dang...Dave rub it in why don't you!...lol Hate mail?..that is silly! The bible says, The rich rules over the poor, and the borrower is the slave of the lender Proverbs 22:7. I'm getting there, still have a ways to go, but I'm getting there!

I'm 25 and I'm taking this mans advice i was almost about to sign up for a credit card glad i didn't

Thank you Dave Ramsey! You have taught me so much! You have become a father whom I have never met. Everything that comes out of your mouth is for the good and well being of others and I just want to take a moment to thank you for what you do. I know it gives you joy to help and serve others and I am thankful I purchased your total money makeover audio book and learned how I can get out of debt and that it is possible to be financially secure and to create a financially secure legacy. Thank you Dave.

When he said drivers license as the third piece of plastic I smiled, thank you sir your southern hospitality is getting these young folk like me through it

This man is telling the truth!

Actually, some employers will check your credit score before hiring you. It's stupid, but they do it.

goota love how Dave just jumps into the split personality, definitely could tell this guy's has been through some stuff big time

God bless you brother Ramsey! We perish for the lack of knowledge. I appreciate the knowledge!😊

I have a credit score but I am also debt free. It's called buying off your bills in full each month.

im happy to say that my fico score is dropping like a rock

This man is a comedian. He is HILARIOUS! I love Dave Ramsey!

I get it. It's not easy and your options are limited significantly, but it is the truth.

Interesting look at how to function without a Credit score. I never use my debit card. Too big of a security risk. And I like not having to jump through hoops to do simple things, so I'll keep my credit cards and just follow my budget so I never pay interest. It's much easier than spending time looking for landlords and companies who will let you be the exception, in my opinion.

I use to think having a credit card was a big don’t like you. But then I realized it’s only bad if you have no self control.

Right on, Dave Ramsey! Love the rant! I was 50 with no credit history, but got married and must have lost my mind and applied for a credit card! Couldn't get one, even a "secured" one. 21 years later, I'm divorced, have a paid for house, paid for vehicles, a credit score of 812 and 7 months to "debt free". Dave's plan didn't help me but I found my way anyway and love his helping folks to shuck and shun debt! Bravo Dave!

Wow. Thank you Dave! I knew this instinctively, but you have validated and cemented it for me.

Forget Dave Ramsey, we should call him Save Ramsey.

Sometimes you just gotta scream at people. Lol.

I used to think that having a credit score was a good thing.... you are a great eye opener. Now that I know that I was an idiot, I can start unlearning what I have learned

Thank you very much for your content ... you are now my favorite channel on KZfaq ... I've made some mistakes in my finances that I regret but am looking forward to making my future better with your help , thank God for you 👍🏾

Man I love u.. And I think that hate mail coming from the Government to be real with you.

no where in my town can you rent any apartment without a good credit score, and i own a home just ask any mortgage loan officer about a good credit score . or try buying a car unless its private

I use a credit card, BUT you said something that caught my attention. Paraphrasing, 'I gave my money to the bank by using their credit card and spending too much INSTEAD of using my money wisely and investing. Then I would not be broke. Could even become a millionaire.' Thanks Dave😁. I have some rethinking to do. Appreciate the help 😊

Thank you for carrying and for your help and advice given daily.

I’m really on board with everything you say, no way will I ever have a car payment, no I’m not a millionaire. But I don’t see the issue with having a $500 credit card to combat these problems.

I payed off all my credit cards and closed all of them. 10 months later my car insurance premium went up because I no longer had a credit score. I also had to give a $500 deposit to get my electricity turned on. Oh Well.....still rather be debt free!!

You don't have to borrow money to buy a car at the bottom of it's depreciation. If your spending money to get a credit score you're doing credit wrong.

I love the passion he brings to this topic.

Part 2: I think people get drawn in by fancy perks that they'll never use, points they don't understand, and cash back that is pennies in a bucket while at the same time not maintaining their pre-credit spending habits. Running balances on credit cards will cause you to pay interest that will negate the perks of the card and turn a rewards program into a penalty program (especially if you begin spending more after you get the card). Working credit to your advantage is a discipline that requires minimal effort, but requires financial awareness. I respect your passion and agree that steering away from the heard is often times the right direction. I believe that you picked the option that works best for you. I just don't think there is a one size fits all solution to this.

Without credit you will pay more in rent, have a higher interest rate on your mortgage, and have a much tougher time getting a place to rent or buy.

They should include a Dave Ramsey subject in high school along math, biology and other subject

thank you sir. This is helping me change my life

You do need a credit score to get the best rates on auto insurance. We do use credit cards but we pay them in full every month. We get the added benefit of cash back. We made more on the cash back than our savings got.

A Credit score is just proof that you can make payments on time, you don't even need debt to build credit.

Brother Dave you speak the truth and one day they will thank you.

Sunday Sermon, preach it!