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I started watching DR 11 months ago and I was 30k in debt. I am 3k away from being debt free after 1 year

I was raised in poverty and the biggest problem I saw was hopelessness.

Today I paid off my wife's car. All cards and loans paid off in about 9 months I'm totally debt free except for the house. The wife tried talking me out of it because of the pandemic. I told her that this is the very reason I've been working 12 hours a day 7 days a week since this thing has started. Don't let anything stop you when you're on a journey.

They need a Dave Ramsey class in every High school. This country would be better off.

I always remind myself to not buying the unnecessary thing. I cook at home and I don't splurge on entertainment. I am now spending my time reading books and articles to gain better knowledge. have fun at home by drawing and painting. This helps me to save more money

I am a black christian woman that grew up poor. I am in control of my finances. Most African American people that I tried to talk to about finances will not listen. In order to get somewhere you have never been you're going to have to do things you have never done. You cannot talk to a brick wall

I came to Europe from Africa with nothing. I remember once in my 20’s I had about 30 cents in my pocket. I used sit at a bus stop and watch the world go with people of my age back then, driving cars, taking their girlfriends out shopping and to the movies. Every time I use to reach my pockets and see the 30 cents I had and say to myself “surely it doesn’t get any worse than this”. Through self discipline and going without, I quickly learnt that in life you have to protect your income and limit your spending no matter what. I run two cars, nice house in cheap area, negligible debt at 0% interest, savings, modest vacations once a year with my family. I’ve been watching Dave Ramsey and other financial savvy people for sometime and every time I learn something new. I’ve been trying to coach my family members in Africa about financial decisions and choices that make people poor so they can escape poverty for good. Thank you Dave, you are not just educating Americans but the world!

Transfer of wealth usually occur during market crash, so the more stocks drop, the more I buy, in the meanwhile I'm just focused on making better investments and earning more as recession fear increases, apparently there are strategies to 3x gains in this present market cos I read of someone that pulled a profit of $350k within 6months, and it would really help if you could make a video covering these strategies.

I make $40k/year, am 30, and have 40k in retirement savings. This show was a great inspiration to get me motivated. Thanks, Dave.

I am, at least I believe that i am, an intelligent black woman. I have been listening to Dave Ramsey for about a year now and in one year of listening to him, i have accumulated so much knowledge concerning my finances. I am on my way to financial freedom. Thanks Dave. Keep up the great work!!!!!!

I was never taught about finances I just saw struggle...

Anyone else, with a job during the pandemic, see their savings increase?

Thanks to Dave Ramsey , I live wayyyyy below my means, I saved , Invest & I'm building my wealth!!!!

Buying cars and traveling is what made us “poor” we finally are getting out of that now. Only thing left is $6000 in car debt and our mortgage.

I'm on SSI and even though I can't always give money to the poor, I have gone to Food Pantries to help out as well as to receive food, it's one of the ways I can help others.

Dave Ramsey's insights have been a game-changer for me! His practical approach to financial management has empowered me to take control of my money and work towards a debt-free life. The Total Money Makeover is my go-to guide, and I appreciate how he breaks down complex concepts into easy-to-follow steps.

I want to chime in. I've followed Dave for 6 years now, got out of debt, have the emergency fund, invest in my 401 (k) and so forth. My mom was a single mother and there are 4 of us. We didn't grow up super poor, but we did not have a lot of money either. I was raised to work hard, but handling money was a foreign language to me! My mom does not have money and she is now 60. She doesn't play the victim card but money is now an issue because she never saved. She gets by and I help when I can (she very seldom asks that's why I don't mind helping).. So when Dave tells US to save, and to invest, and to do a budget so when we turn 60 WE are not broke, I totally understand what he is teaching... Love you Dave you are a life saver sir

As a black man trying to talk to the people I grew up with about finances, the quote "its easier to get out of the hood than it is to get the hood out of you" is nothing short of FACTS. You talk about financial literacy and how impressing people is holding you back and they don't want to hear it. Truth is, here in Detroit we didn't have schools to give us a great education, just an OK one. Luckily thru the teachings of Dave, Boyce Watkins, and other financial icons I've been on the right track to rebuilding and my emergency fund literally saved me when I hit a big crisis. Also, to hear a guy like Dave admit to the oppression and racism that holds certain people down is a breath of fresh air, considering I'm a big fan of his (although I still would be a fan if he didn't, I'd just be more cautious about certain things). This tells me that he actually studies data and truly understands numbers and how the world works. This is not me saying blame the white man for every bad thing that happens in our lives because, in reality, most of us could fix our situations if we take our "club and jordan money" and save it.

Because i listened to you I have so much money in my bank account.

I'm from jamaica where I use to be a security guard working at least 60 hours every week I was always broke when I was living in my families house where I only paid utilities and buy food, after I moved into my own apartment my mindset and my habits changed and even tho I had a huge rent I was never broke again. Choices and the people you're around will ensure failure if you let it. Living in America now for 5 years and I'm amazed at the growth I've been able to have is nothing short of amazing. I'm thankful for my struggles because they got me to where I am now. If only I found Dave Ramsey sooner!

I have about $4000 saved. Thank you Dave.

through Dave, I now hate spending. I have $5000 as EF, and$15000 saved in 5 months. I am a CNA, from Africa

Amazing video, A friend of mine referred me to 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.

Dave I was raised in extreme poverty. I knew the only way out was education. I was able to pull myself out as an adult. Always had goals and plans. Poverty mindset is real. I always believed I could do better and I did. If a child is raised in a home with mismanagement of money they believe it is correct. You have a great program. Thank you!

It's a lack of financial education. Kids aren't poor. Their PARENTS are poor. We don't teach personal financial management in schools, so kids become adults with no idea of how to manage their money, the importance of paying bills on time, etc.

If you can blame other people for your position in life, you absolve yourself of the responsibility for fixing it. An easy thing to do.

Taking responsibility for your economic situation is one of the most empowering things you can ever do. Acting the victim will keep you enslaved.

Thank you, Dave. You got me out of debt and changed my mindset. I've saved the most money ever in my whole lifetime. My mindset has totally shifted. God bless you.

I took consumer this year and now I have 500$ saved for a car and 500$ emergency fund and that's all bc I'm 15 and I'm so thankful for you dave

I come from the hood and I totally agree! You gotta make the choice to want more than what was given to you...

I am one of 5 children raised by a single mother. My dad was a total failure. We were very very poor growing up. I decided from an early age not to have a big family. I did not want to end up like my mother. I got educated in accounting, worked for many years in the field. I own my own firm now and proud to say, My husband and I are out of debt. I decided three years ago, I would follow Dave's advice and pay off my mortgage and save up to buy us a few investment properties. We are good!

We love Uncle Dave I’m a Latino Evangelical and I blame my debt mess on self. I thank God for you.

According to some studies 70 percent of lottery winners will end up broke. Poverty has a lot to do with how you think --at least in the U.S.

I have estimated 14k $ saved Still rent No car Just bike cycle And I'm not from America

I’m Muslim and I agree and respect every word you say and I’m actually a member, although I live in Dubai 🤍🙏🇦🇪

Literally have a huge beard and subaru and watch you every day . I laughed so hard

For myself, being poor was due to my belief that money was only something someone else gave to me. By that I mean a job. I was always searching for the 'better job' that would pay me $1-$2 more. But with no education, you're expendable. When I learned that money was something you could attract to yourself by becoming valuable or learning a marketable skill(as Dave says) that's when things changed for me.

Lack of education, low pay, mistakes, bad decisions, life

Black female here who happens to be agnostic, registered independent, college graduate and DOESN'T live in poverty. I did make a lot of stupid financial decisions in the past that I've learned from though! Manageable debt who is a fan of this show!!

I'm from the hood of Long Beach California" everything that was said of getting out, of the hood" is true. I have very little education" but that doesn't stop me, from making money" online and walking into a Goodwill" store buying something and flipping it online. I use my hood hustling skills 2 flip my money online thank you Jesus I remember when I used to flip 50 double UPS of that white "stuff .I'll never go back to that again. A lack of Education" shouldn't be an excuse for failure..... I'm that bird that was born with small wings" so I have to get up a little bit earlier.

RICH PEOPLE STAY RICH BY ACTING & LIVING LIKE THEIR'RE POOR!!!, BROKE PEOPLE STAY BROKE BY ACTING & LIVING LIKE THEY'RE RICH!!!!!

It’s not how much you make it’s how much you spend. My Grandpa had a saying.Use it up , wear it out,make do or do without.

I am muslim and have been listening to Dave for more than 3 years now, I was drawn to him because of his views on interest which align with my religious beliefs. It's ashame how divided the nation has become, we need to focus on being the best versions of ourselves thank you DAVE for being a prime example! There is a prophetic saying ,"the best of you, are the ones that bring about the most benefit to (the most) people" you are one of these people Dave keep doing the great work!

We spend Soooo much time talking about makes someone rich but rarely what makes someone poor. I spent years of my early career working in weight loss clincs. The biggest thing I learned about what separates the successful and those who were perpetually working toward their goal was mindset. It changed my life to realize that.

I have skinny jeans, a beard and a Subaru but I agree with you Dave! Haha!!

Lol I adore Dave Ramsey he has kept me from making a lot of major mistakes in my life and he's going to prevent me from making major ones in the future

I am independent, but in the past few months, my beliefs sound super conservative now. :(

1. No plan 2. Spending 3. Drugs 4. Attitude

A little sleep, a little slumber, a little folding of the arms to rest, and poverty will come upon you like a thief and scarcity like an armed man. Prov 24:34

No. Self. Restraint. I am a bakery manager. The people who ask if their EBT card will buy their birthday cake go ALL out, maybe 20 guests- orders enough to feed 100. Gets multiple fillings, toppings, upgrades.. a $140 cake, no problem, gonna swipe that EBT! You dont see people on their own money making choices like that.

I am a Real Estate agent and from my experience that with the people I have come in contact with would be a lack of financial knowledge.

There are many Amish millionaires and they only have an 8th grade education.

Those who think its 100% circumstantial, for being poor, will never ever move forward in life.

I am a Muslim African refugee female living in the US and I believe in everything Dave says. My husband and I are debt free except for our home and our home will be paid off in 6 months. We have 4 kids and we plan to travel as much as possible and save, we are grateful for him and his believes. Thank you Dave, you've changed our family tree.

I’m only 21 & I’ve already done substantial debt damage to myself, but I’m so glad I’ve found this guy.

This man called Dave Ramsey has helped me so much. He’s one of the best voices on finance out there.

Lack of Financial Education, budgeting & money management.

19 years old and am absolutely obsessed with your show and money habits. High-school did me well

African American Muslim here🤚🏾 and I’m not politically conservative. I have been following the Ramsey Show for short period now but I really appreciate Mr. Ramsey’s show. He keeps me motivated and I’m making my way through the baby steps. Disagreement doesn’t have to mean disrespect or dislike/detest.

I was raised in poverty and the biggest factor was narrow minded decisions and fear.

I know 2 women their blood sisters - raised in the same home - 1 has done well in life-worked hard and managed-the other has lived a party life and has nothing!

"Government cannot make man richer, but it can make him poorer."--Ludwig von Mises

I was once liberal and with a liberal mentality, I now consider myself a conservative and the data that Dave Ramsey has given us, correlates with what I used to think. I thought that the liberals cared more, gave more, and I thought that the conservatives were too goodie and only cared about themselves, I was wrong. Data doesn’t lie.

Ramsey really is a savage in this clip.😂

Poverty in this country is a state of mind. Poor people see themselves as a victim of their circumstances and believe that life happens to them rather than them making life happen. Help them change their mindset and you can change their life.

When I learned the laws of money, and the difference between assets and liabilities.... It was life changing. I wish school would teach this.

Circumstances cause people to be poor lack of effort causes them to stay poor

"It's easier to get out of the hood than get the hood out of you." 😂😂👍👍 Lol I experienced that too

Thank you for calling that out about Haiti Dave. I'll never understand how all the money that is raised when natural disasters occurs just "disappears" and no one says A WORD. Those people were robbed of everything that was given to them by caring people across the world. Whomever took the money needs to be prosecuted.

Dave, I'm an atheist and do believe being poor is because of lack of trying. As for atheist being smarter, their are a lot of dumb atheist out there that can't do math, won't read history, and can't stand your show because it is Christ centered. Yes Dave, even in the atheist community you do have people who listen to you and want you to keep up the good work.

You're 100% correct Dave!!! I have family who I have tried to bring up with me in the business world but they continue to make the same bad decisions and I mean hood decisions. I grew up in the same hood but I do not act like I did as a young man.

It’s amazing how financially stupid folks are. My friend is one of them- one of the biggest errors is rolling smaller debt into large debt- consolidation. He thinks taking a five year truck loan and rolling it into his 25 year house loan is a good idea because he can refinance at a lower rate. What he forgets is now you’re paying for a liability for 25 years instead of 5. People need to stop upgrading phones and cars- that’s the biggest reason why people are broke

The cause of being poor is spending 100% of the money you earn

The other day I was walking thru a downtown park. I just happened to walk next to and with a homeless lady for a few minutes. She said “I’m 71” So sad.

Jordan Peterson has a great lecture on this, in short it's IQ and conscientiousness are the best factors for success.

Hi Dave! I am Brazilian and a Muslim and appreciate your channel and advice. Being charitable is also part of our faith and I would love to see guests from different faiths and walks of life in your show brainstorming how we can truly make a difference. God bless you all! Priscila:)

IM A BLACK AFRICAN FEMALE (from Ghana) AND I LOVE DAVE RAMSEY- i followed his instructions and in 2 yrs my credit score is 750 and i have only $4000 debt left to go. He is strictly no nonsense, and tells it like it is like my late african dad. I love Dave Ramsey.

If you want out of a situation bad enough, you WILL find a way out of it. I grew up poor in a very wealthy town but had no wealth envy. Guess what? I'm not poor anymore. I was, didn't like it, so I did something about it.

I am from the Appalachia area. There are no truer words spoken.

"Poor people have poor ways." - Grandpa Bill Studer

I’m poor cause I lived beyond my means but thanks to my father in law buying your corse for me and Megan we are working into thriving

Been listening for a while and haven't heard a racist thing yet...just seems blunt and old school in the best of ways!

Dave your the goat 🐐 . Listening in Hawaii. About to graduate from ASU this year. One of my professors put your book on our supply list for his course and it’s sending me off to the next step in life with a perspective I couldn’t have framed on my own so thank you sir! 🙏🏽

A slack hand causes poverty, but the hand of the diligent makes rich. Proverbs 10.4

If you surround yourself with poor/unmotivated/people who complain people, you will most likely become poor/unmotivated, If you surround yourself with productive successful people you will naturally get their mindset/tricks/motivation to push yourself.

I was born in a (relatively) poor family in Asia. I grew up knowing that hard work pays off. During my teenage years, I was sick of my family always not having enough money. I blamed the cosmos for putting me in a bad situation. I seemed to understand that economic mobility was difficult and decided I won't be living in the country forever. Studied hard to get a diploma (can't afford a degree) and set myself up to personal improvement until I got an opportunity to work overseas. Got a pay jump - paid off my parent's debts and saved enough money in case of emergency-when just a few years ago I rarely had enough money to take the bus to go to work. All I'm trying to say is, when there's a will, there's a way. The problem with a lot of people (mind you - i didn't say all) is that their expenditure increases with their pay. Or they have really bad money management. In hindsight, this is probably my family. For sure, some people start life on hard mode depending on their family's financial situation. That said it doesn't matter what race, gender, religion you are - there is a way to always do better. Seek gratitude - you're probably doing better compared to billions of people (especially if you're reading this- 4 billion people don't even have internet access). And the main thing - Stop being the victim.

I love you Uncle Dave !! With your guidance, my Hubbie and I are on bs7 😊

Thank you Dave, for this. I appreciate your fight against divisiveness, hating, and poverty. Let’s take it a step further and keep in mind that addiction is 50 percent genetic, predisposition. So even the alcoholic accountant, I wouldn’t be too quick to blame him for his downward spiral. Those of us not born with the pre-disposition have difficulty comprehending the struggle for others to remain sober. It’s an uneven playing field. What can we do? Try to support each other; be slow to judge; and keep tuning in to Dave Ramsey!

My parents think I'm weird now that I've told them I'm sticking with my car until the wheels fall off. And that if I buy I'm buying with cash and a 2 year older car. So glad youtube recommended Dave to me.

What cause poor people to be poor : They bought liability and think it's asset. Simple answer.

I would like to add to Dave's reasons are: 1. Spending on unnecessary material junk 2. Excess partying to show off, for whatever reason. 3. Not planning for the future whatsoever.

As someone who was born and raised in Haiti, @the Dave Ramsey is spot on. I came here poor and now, I am broke, but I have the opportunity to change my life.

"Laziness will clothe a man in rags"

Blk man here 🤩 and I love Ramsey 😎

Financial illiteracy.

I’m black, love Dave. Paid off all debt listening to his advice. It works, it is easy..no, but it works.

Instead of looking at someone as being racist try looking at how much can I learn from this person? I really think poverty stems from the lack of knowledge and the lack of self discipline .

I definitely know why my dad died poor, many many children, lots of expenses while his wages stayed the same or lower.. no innovations only multiple women and children.. I grew up seeing that, I took another route. no wife/children. I work hard, invest, almost a millionaire now at 38..

I was raised to always strive for the best, work hard etc. I’ve met people who just genuinely don’t seem to care about wealth or financial achievement. They are content to go through life living on a shoestring budget. There are people who, if any type of windfall comes their way, they need to get rid of it so they can get back to being broke.