My achievements for last 8 years Paid mine and family debts Built new house for family Spend money for my Two sisters marriage, Bought car Now Debt free and investing journey started, wish me luck 🎊 💗

Just paid off my debt today, 🙌 hurt a lot but I got it through. Now it's all profit and no more liabilities.

Paid off everything thanks to Dave. Everyone can be debt free😅

I get called a dumb ass for not having credit cards people always look for somthing to dig on you but poppa dave always makes me feel better

Seeing Zero balance on the two credit cards I paid off is an AWESOME feeling. ❤

Started watching about 10 years ago, massive mortgage, but careful with money more or less. Anyway after these years I’m millionaire. I don’t have a car payment, but have a new car. I don’t have a mortgage in the last 16 months. I put 27% into pension with company on 8%. I have 120k liquid savings and half a million in pension pot. All assets combined 1m. Thanks Dave for being there and allowing me to dip in for inspiration. Continue to watch to stay the course. And editing to add, I’m only getting started. I will give and grow. God bless all.

I’m 35 and in 56k in debt….. I’m gonna clean myself up and chase positive wealthy and freedoms thank you Dave 😮‍💨🎤🤬

Im lucky to say the most debt ive had is $217.36 and im listening to Ramsey at 18 years old just graduated high school and have my welding certification from college

Out of debt thanks to Dave and hard work!! YOU CAN DO THIS!!!

"If we were doing math we wouldn't have credit card debt to start with" 😂 I listen for gems like these! Thank you Dave!!

No debts here. A simple life. Financially disciplined. Minimalist lifestyle. From living in an attic to making a chicken last a week, we invested in ourselves. Professional degrees that landed us in good jobs and comfortable lives. We saved for the kids’ education and prepaid their education when they were in sixth and eight grade. They have no student loans today and unburdened by debts. My husband bypassed Yale because we did not have the money and the university did not give him any scholarship. Some regrets but we would have ended up in major debts and the inability to pay for the education of our children. Thanks David for speaking frankly about money. Many of us have to keep up with the Joneses.

I have no debt but I am using Dave’s beans and rice recipe to save extra for retirement. Running with gazelle intensity towards making it happen early. When I am tempted to go out to a restaurant and blow $50 on a meal that a reluctant 22-year old line cook made, I decide that the money will be better spent at a later date…when I want a dinner out in my retirement. 😎

I just discovered The Ramsey Show a few months ago and can only watch it here on KZfaq (I am not American). I payed for my brand new car with my debit card (I bought a Renault Twingo, I don't even think they sell it in the USA, it is a very small car compared to normal US cars, but it gets me from A to B). I have never really had a credit card (I did have MasterCard for 10 years as an extra security when I travelled but I never used it). I just have a debit card. I have never really been in serious debt because I always paid it off as fast as I could (student loans and my mortgage). It only took a few years of hard work and tight budget. Now I have a low paying job but a lot of free time. I save for financial freedom and early retirement. My plan is to be retired by 2030 and enjoy the rest of my life with more to spend than I ever did. I think I will just go on spending like I am used to, I really don't need much to have an enjoyable life

My husband and I made the decision that we’re going to get out of debt. No more beating around the bush, and no more paying extra on this or that without a plan. We have our plan thanks to Dave, and this is the first month of the rest of our lives. Conveniently, our interest rates allow us to use the debt snowball to pay off the lowest balance and the highest interest debt simultaneously, so no worries there. Thank you, Dave!!! We haven’t even started yet, but we have you to thank!! We have hope and a bright future ahead thanks to you!!

"Put the dog on Ebay" 😂 noooooo! My dog is priceless! Haha

I'm halfway paying off debt. Got another year to go (24 month plan) . Paid off my car last week. I'm feeling REAL good about that! Taking that $400 payment and applying it to remaining debt. As an empty nester I was able to make a huge dent selling stuff off (decor and antiques) that I no longer needed at a local auction house. Check local auction houses in your area you'll be surprised at just how much your unwanted stuff sells for to collectors.

Dave is doing gods work, thank you for your wisdom!

I'm on step 3 of the 7 step program. I paid my debt and it hurt but I feel a difference in my life from doing so

Good luck to everyone on their journey. I promise it gets better. KEEP GOING!!!

Really trying hard to clean up my 16k worth of debt.

“Scorched earth life style. Sell so much stuff that the kids think they are next.” 11:00

Dave Ramsey for president ??❤

I’m a FAN of these rants

Dave said it, some live so conservatively that they can use credit cards without spending more. My wife and I have our hands raised. We earned $1.75M over 36 years, we saved and invest our way to a liquid net worth of $2.72M. Our paid for home increases that number. It takes a mental attitude that Dave tries hard to instill.

My cat on craigslist 😂....

10k in debt. Was working 3 jobs now I'm all in on one job that will pay more. Just trying to get to that first step

It finally clicked for me. The problem with CC (even if you use them responsibly) if you create a positive association with consuming (people always joke about “the points). And if you’re celebrating consumerism, you are spending more!

I always thought about if I just a made a little more it will be okay, all I had to do was control what I had. You can’t make enough to out earn stupidity.

Love listening to Dave the word "Stupid " 😵‍💫 gets under my skin . I am learning from others' mistakes.

I knew the credit card advice 20 years ago but didn't take it like I should have. Now, I am in CC debt. As for the housing advice, I don't ever plan on buying or building a house. I'll try to adapt it to a boat when they time comes for me to retire.

This video was absolutely phenomenal! Really shows the character and knowledge. Thank you so much uncle Dave for amazing this path !

Love and appreciate you all.

I did it 'ish' and still made it. Did a few rollercoaster loops through stupid tax land, but still made it. Don't tell Dave.

I do it was 29 dollars, i clicked it up. still used the debit card. LOL funny you mention the grocery store stuff. I deliver groceries for walmart spark for "fun funds" I have heard SOOO many people I deliver to that actually tip decently say that the tip is because I am still saving them tons of money from "broswing shopping".

Not sure I would have picked those as choices for his best. He’s way more amazing than those are. Hey whoever put this together…. Really pick the best so I can send it to members of my family I have been waiting for a best of. Like an intro to Dave and the principles video with some riveting calls too!

Thank you sir! I love your show. I am on baby steps 2 now.

That’s so impressive that I have been always living by those rules and everybody called me money hamster. But I’m not alone, Dave thinks the same way 😊

Hi I been learning lot for u I’m sitting better with money by watching u all

“Some of you got drunk and wake up married” 😅

I don't enjoy the process, I want it done 😂

Anytime Dave does the Kermit voice you know it’s a good rant!

Great timeless advice

11:10 "name the dog ebay and put him there"

Paid off everything sold tbe new car 4 months ago. Was pretty much broke but getting rid of that Mercedes and now driving a old minivan thats as good as new car or truck

I been out of debt practically my whole life. 2023 I was almost 30k in debt. Got out in 1 year.

You’re making some incredible points here. This is something i was expecting to find in your book. Unfortunately, all i did is read other peoples story.

Credit and now, medications are vying for the top commercially pushed products!

Cash is money already spent, i.e. not painful to spend at all for me. Plastic on the other hand represents the decrease in my accounts, which is very painful. It’s not the 20th century anymore.

Thank u for these lessons they are a blessing

Get out of debt people!!! It's worth it!

If we put all of our expenses on an Amex and pay it off every single month and get loads of rewards, where is the downside?

What episode is the first Dave rant speech? I was looking for it for a while and here it is!

This is the last one? Come on we love Dave Ramsey Greatest Hits! We could possibly get another two or three videos out of it. This series is pretty much biblical for getting your money mindset together you can go back to these videos and learn new things

Well I was always good with money and just for fun calculated the incentive of credit cards which is usually not much. I use one but I pay it off every month and I don't cellect debt on it but Dave is right using one makes you loose oversight of your expenses thats why its suggested to use cash then you see whats going out of your wallet.

People who keep breaching avalanche over snowball don’t understand human behavior. I tried both and I paid off far more debt much more quickly when I did snowball. Avalanche is a long game of discipline and the reward is in the saved interest but it is not a quick payoff often times. Snowball may lead to a few more dollars extra in debt BUT it’s mentally rewarding to pay off a debt in its entirety in one go. I paid off and closed 4 cards in one month, that felt great. Snowball all the way - it’s effective.

The borrower is slave to the lender. Behavior matters most, pay off debt, get rid of those traps.

My grandparents mentioned it being one of their best idea to use a credit card for miles. But I understand they are a rare exception because they both are very wealthy and they travel to Europe 2-3 times a year. Never holding a balance. Rare exception. Trying to do this myself would only end poorly for me

I still go into the gas station to pre-pay for gas. They put a hold (more than the amount of gas) on your card when you use debit cards - at least they do here in GA.

I use my credit card for essentials like utilities and insurance earning 2.5 percent rewards. I payoff the whole balance each month.

24 hours later, my shared lunch yesterday was $19.49 (friend venmoed me $9), my gas bill was $24. 3 days ago, my amazon receipt was $140. a week ago, my grocery bill was $44. everything was on my credit card. never had a past due balance. I'm 26, I'm "beating the system"

I'll save you 38 minutes, adopt a minimalist lifestyle and stop caring about your "social status " and you'll have money at the end of the month...not that freaking hard smh 😒

Let’s GO Visa! Use it responsibly and you’ll be fine.

What if they get behind on schedule with no changes on your side? Do you get discounts?

Thanks to Bitcoin paid off my debts, made life changing money, no more credit cards and almost paid off the house. Now steadily investing / DCA’ing🌱

"we're gettin' outta dat"

I pay for everything via credit card. Tens of thousands per year. I pay my CC bill in full every month and get 1% cash back (hundreds per year). So those who pay interest on their card are subsidizing my cash back - thank you. But I was raised poor, so I only buy what I need, and am very price conscious. Last time I used my card was to buy a pizza at Costco for $10.95 for dinner for the whole fam. Oh, and no car payments, mortgage at 2.75%. But when I was younger, yes I paid cash for everything, so if i didn't have the cash in my wallet, I didn't buy it.

Well I just need to clean up I’m all my debt and I’ll be on my road to be a millionaire

I have only a 500 dollar limit on my card and its secured by 500 I put down, also I only use 20 percent of it a month on only gas and occasionally some food to get to my 100 spent every month, I make way more than enough to pay it, I've never missed a payment and I only have it to build credit in case I need a loan in the future, I don't even care about the points, maybe a fee years from now I'll cash them all in lmao

I’ve had a credit card for about four months have used it on gas once a month. I absolutely hate that I have one. I got it because my financial advisor said I need to buy stuff with it to bill credit. However, I will be paying cash for everything, so why do I need a credit card. I’m thinking about just telling her that I’d like to cancel it.

Dave isn't 100% wrong. I grew up with cash so even with a credit card I do count my pennies. But I give my grandkids cash rather than gift cards.

Any life or financial advice? I’m 27yo currently living back at home temporarily. Make $45k a year in the midwest, have ~$30k in liquid assets and investments, and no current debt. I’d love to have a home soon where a huge, long-term mortgage isn’t tied to me. I trust that my current assets will dramatically increase in value in the next 12-18 months as well. I once rented and wasn’t a big fan, but with my current investment outlook I’m tempted to rent again for the short-term

Is it a good idea to borrow from 401k to pay high interest credit card debt?

I don’t have any payments.

I have no debt never ever had that. The Netherlands People do not like to borrow money.

I just got a second job to throw at my debt ❤

Understand that some cars require premium fuel which is about .85 cents higher per gallon

I don’t use credit cards either Dave. Haven’t for 25 years

Keep plugging away. It's worth the sacrifice!

i dont care what i spent at the pump I swipe my debit cars its usually about 30 bucks plus or minus changed in price lol.

No one thinks they are getting rich of points. Just scrapping every little bit we can.

We need Dave to take Janet Yellons place for sure.

Man, im now 20 years old and just have my first credit card now and im scared bc of watching the first part of the video. if someone can pls help me. what should i do? How I should use it? Helppppp

I make 30k annually and my car debt is 33k … how dumb😂.. any I thought I beat the sistem when I got a lower interest rate.

2:39 😂

It’s true I have money in my wallet right now and I don’t want to spend it.

30:01 budget 34:01 60-70% of car value lost in first 4 yrs

you remember how much you spend at the gas station when you’re broke 💀

How does a person with very little active debt and a bunch of collections prioritize for the debt snowball?

how do you rent a car without a discover card?

Dave Ramsey just burned everyone who wants to focus on just the math as opposed to behavior. Paraphrasing... Honey this not a math problem this is a you problem!! i.e behavior

Amazing video, A friend of mine referred merto 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.

Should I take a personal loan and buy bitcoin?

I know every € cent I spend on my debit card.

I tell my little boys, (I'm in my late 60's) If you find that I have died, take the $1000 out of my wallet, it is yours. If you don't, someone else will. I refill to $1000 before going out, Pain center??????

"The minute you leave the dealership it loses $7k " .says the guy who preaches, "stay in mutual funds for the long haul".

I wonder what Dave feels about a guy like Robert Kiyosaki.

His speech on cash is not as true as it use to be. I don't notice when I spend cash as it is usually outside of my budget. However every single purchase on my CC is tracked and automatically reconciled with my budget so that I know exactly how much I have left to spend in each category.

Credit cards have been great for building my credit score, and I don't pay any interest.

I have a $9000 struggling to pay off

Credit cards work for me. I don't work for them.