I have a friend I was talking to other day about paying off debt, and he was almost oblivious to how much debt he is accruing. He's one of those people who views credit cards as free money. He told me when he maxed out first credit card, he just got another one. I didn't want to believe that people actually thought a credit card was free money, but I was wrong.

You changed my family tree David Ramsey. I love you man....You dont even understand. The little man CAN get ahead!

The more I pay off the more empowered I feel. You're so right It's choice.

Ancient word "NO" love it 😂 Ramsey you're the man. Just getting started but one day I will be at the top and coach as well

I lost 44 pounds in three months. Still keeping same weight two years now.

Saving that video for when I feel like doing something stupid. I’m paying a $12000 car debt because I co-sign a truck for my ex boyfriend now I’m struggling but I will get out of it. I will never play wife to a bf I learn my lesson.

“Don’t spend more Than YOU HAVE” I need to get that s*** tattooed on my forehead!

Don’t spend more than you have, but just because you have it doesn’t mean you should spend it.

If you lived in Kenya and earned $55,000 a year, you'd be among the 3% super rich in the country. If you are from the US and earn anything close to that, be grateful. You're richer than so many people in the world. You have no reason to be broke or poor.

You pay a price to win... this is the most remarkable thing comin' outta his mouth. Certainly one of the best words I heard for long time. I'll note it in my memo.

This video made me laugh so much, I was crying! 😂 I love hearing Dave Ramsey cutting out all the excuses people give. He reminds me to stay focused & on track. Self control is everything. Ready, set, go - CHANGE!!!!

Thank you so much for this message, Dave. Needed this right now. God bless

“NO” will change your life.

Took me ALL day to build the courage to listen to this. Thanks Dave.

This may be Daves best show right here. Dave addresses importance of choice and wisdom of self control.

I love listening to Dave he keeps me in check throughout my journey 😊😊

I absolutely Love this man !! The honesy is raw I love it. I need me a daily dose of Ramsey every day !

He's so right about saying no the whole month of January I have said no to my wife and kids and so far I have saved 1200 in one month thanks Dave

God will always hold up his end , but you have to uphold yours.

wish I had listened to dave 4yrs ago before I bought my new house and brand new suv, full of regrets now coz im in debt but im starting to get up bit by bit with a big hope that I will surpass this turbulence im experiencing now with hard work and GOD 's mercy.

DON'T SPEND MORE THEN YOU HAVE.

NO-vember! I drew the line in the sand starting the beginning of this month. "BabyStep 1" complete and onwards! Things have changed already in 3 days so stay hopeful folks. Peace

If I didn't hear this, I wouldn't have started my day a different way.

Self control while very difficult, is very rewarding in the long run. When we make a goal, like to lose weight, it takes self control to reach that goal

i paid off my debt from listeining to you for one month. You made me realise I've been entitled and spoiled to even be frustrated. , I need to get supplementary income and thanks to you, I'm empowered and finally believe I can.

That 1% stat is mind blowing.

I like how he talks in that weird voice..sounds like one of the sesame street characters

I was in a rut a couple weeks ago and wasn't happy with how i was mismanagimg my time. Then I decided I had enough and decided to change and get on a daily schedule. It's hard getting everything done and sticking to it but its definitely worth it

Soooooo glade I bumped into Dave Ramsey 25 Just graduated UNO accounting degree, feeling good ab future

Being a millionaire is a BY PRODUCT of self discipline. You need to change the character of who you are. Not just one aspect of your life.

I went from $800-$8,000 in one year. Still in debt, except that's 1/3 of my debt paid back. Now those 3 minimum payments are going into my savings accelerating saving up to pay off the rest.

Gota say I'm 22 and I listen to this guy, Evey time I listen to it him, he sounds like a send father I take it all in, and now I'm definitely going to not get debt

5:08 The imitating voice that he makes are equally as good as his rants. Love them!

"well thats dag gum insightful man , how'd you do that? " made me LOL

True using the word No more often is a magic trick.

A budget is simple math.

Thank you so much for all you teaching and coaching to be debt free my wife and I we started this month you instrucción and we paid 3 credit cards already in we going to keep going until we finish!! Is amazing how this work if you stay disciplined and spend less that we make!! Our new word is NO we don’t need it, is fenomenal!!!!! GOD Blessed you today and always for help me to make my family debt free 🙏🏻🙏🏻

Very true Dave. And it’s not as complicated as calculus..it’s all about the choices we make. Very powerful this message is..

Everything that said Dave is right, it is behaviour problem, not math. When someone said, he/she is bad in math, I usually response, but it is 2nd grade math prevent spending more than you earn. Unfortunately, every generation have adult children, who want everything NOW. I know an old people who are still adult children. I always preach to people to make budget and track expenses, that is the best weapon for financial success, not the high income. I have seen a few people with high income, but struggle every month. The high income is welcomed, only if you have self-discipline, otherwise could be curse for people. Just see lotto millionaires history, and you will know what I am talking about.

Love your rants! 🙌🏻🇵🇷

Dave..you are my money and faith guide..God bless you for all your work and advice..you rule👍👍👍👍

NO! 😂 This is awesome. Being intentional w your money, health, career, education and life! Love ya Dave Ramsey.

I can't help but laugh. Love this.

You're on point. God blessings.. I never spent more than I have or make.. Everytime I work overtime,I save it,because I tell myself if i didn't do the overtime, i wouldn't have gotten that money, so i don't go out and spend it, i take some of it and help others.. Some people just don't have common sense and some of them selfish.

Dave you are so Inspirational.. I wish I would have discovered your channel earlier, but there is a reason why I bumped into it.. Wish you more wealth so You can keep helping others.. God Bless!!

I wanna make how Dave says "Change" my message tone.

Thank you Dave. 25 year old definitely needed to hear this.

The realization that im the master of my own world was the best thing ever

when i get in to too much debt, i watch Dave and then pay some off.

Love you dave, from Israel, the knowledge you give is priceless.

I sometimes forget I have a choice lol

I love listening to Dave Ramsey he gives me so much hope!!!

He's absolutely right. A lot of people have gotten so comfortable that wherever they are in life (specifically I'm mentioning being poor), they've already accepted that as their reality. If you're poor, then that's your reality and you believe that it's gonna be that way for you forever, unless you actually do something about it until it's not your reality anymore. It's not gonna change on its own. If you want to be wealthy, take action, get there, and then stay there, and accept it as your new reality. Once you do that you'll never be poor again. Prosperity is possible, but that outcome is on you.

recently heard a woman saying she was going on a cruise next year and didnt know how would pay for it but shed worry about it. she was going. i asked 2 questions of when she was wanting to go and how much would it cost her? she told me the answers and i went so its like 12 months and if you save(xx amnt) each month you will have it. her response was "oh i dont want to do that it will be taken care of somehow". uuummmm......uuummm....do what? i tried to suggest how to do it. oh well

I love this one!! I watched this twice. I probably should watch this everyday and thanks for the video

I've been struggling, have little savings and my income practically equials my outgoing. I've worked out how much I have after mandatory depts every month and draw that out in cash. I've stopped carrying my card and only take a little cash with me when I go anywhere. Slowly I'm sorting it out.

I love these inspirational talks!!

My favorite video you've made, thank you!

I feel so good watching this after 10 hours of studying hahaha

Good stuff Dave the truth! It's up to the individual. You have the power, decide, actions.

Why is this information so simple for some and so foreign to others? Especially when they see the results

Love you Dave!! Cheers from Sydney

Thumps up this video, this video needs to go viral

Pay your bills in advanced smallest to largest 3 months to a year. Use the extra cash flow to knockout debt. Once you're debt free pay yourself.

Dave I'd love to see you on the campus lecture circuit.

You said NO - I'm triggered and have to go to my safe space!

A budget is Common Sense. ❤

Dave you’ve helped me become into a whole different person. I appreciate your wise advice.

Dave with the facts. 🍻

Thank you.

Everything you say just makes sense

I'm going to start watching this video every morning

AMEN!!!!!!!!! Thank you so much!!!!!!!

Amen wise brother!!!! Well said.

Dave teaching the ancient languages of the past. Good stuff!

Thanks Dave.

bravo dave......bravo dave........best rant ever......

I JUST posted online a couple of weeks ago just how much I love NO.😊

Thank you Dave so much for this video! Needed to hear that.

Yes thanks dave I pray in the mornings God to help me be encouraging and have good advice for people at work I'm a union carpenter and I tell everyone around me about you and the look at me crazy not paying me any attention I have meet one other guy who actually just graduated FP what an awesome exciting motivating conversation. But I just feel I need to give your name and what you practice to others I'm 37 and have only been listening 2 months and paid 15k on our 36k debt go baby step 2 lol future goal both houses paid in 6yrs or less god bless Ramsey solutions and team thanks to all who call in and especially the motivating debt free screems

Thanks sir ramsay, I learn a lot 👍❤🤣👍

Spend less than you earn. I thought that was common sense, but a lot of people don't understand it.

Don't spend more than you have woooooooooooooh hoooooooooooo!

Hes cracks me up.

I saw a saying a while ago that has stuck with me. "He who understands discipline has knowledge. He who cannot accept criticism has none." Not sure who said it though.

God will help only those who help themselves :)

The calculus section weight loss, tabling the inner moral decision to eat less: is you have to stop eating all carbs and drinking because both are hormonal disruptors and don't care how morally upright you are or how strong your faith is in the Lord.

Thank you, thank you ,thank you....

Good stuff 👍🏼

Such a Virgo. Hahahahaha David is awesome!!!

Just Say No. ❤

I love you Dave, thank you 😊

this is not just a show and some educational advice . thedaveramseyshow is a religion

DONT SPEND MORE THAN YOU HAVE WHOAAAA HOOOOO

Dave is a preacher!

Arwoohahwehah- shutup! Haha I love it!

Life is so simple yet we make it so complicated...

truth be told!

Freewill

Great video