I’m really happy to see that Dave has added Ramen noodles to the standard “beans and rice” menu - CHOICES! Things are looking up 😂🎉

In response to the first call about the govt job; it’s not a brush off. It’s how they operate. It took 8 months for my husband’s clearance to get approved. 😬

Dave has an amazing way of discerning a caller’s real, unspoken issue. Truly incredible! 23:16

I love this show. I love the positivity, the goal getting, and the occasional in your face, no sugar coating sarcasm. People need to hear it.

People and cars... I just don't get it. I'm 40 and just bought the most expensive car I have ever bought. Paid cash as I always have. It was $8,000. Nice ride 2013 Toyota Avalon. It hurt me to pay that much for a car but it was a killer deal. I can't even imagine a car debt like most people have.

I love that Ken has such a holistic overview of jobs and professions. He “sees” people no matter where they are in their personal process. It’s quite a remarkable gift - it’s not just about “finding a job”…it’s about finding a path which matches your heart and soul. His compassion really touches me.👌

I love how Dave ask a question and people avoid the questions with something else people just don’t listen typical

My father always told me that if you lend money if you cannot consider it as a gift......then don't lend it. That way you never get mad. It works as I did lend a family member money and forgot about it and was surprised when he brought up the $2500 three years later.

I was an educator for 10 years, I had to walk away this year. Education in America is losing good teachers left and right sadly, no one is actually listening to the teachers and trying to fix it.

We're going through a bathroom renovation. Just a bathroom. Good contractor, but it is turning our summer upside down. It will be worth it in the end. Still, I can't imagine renovating a whole house.

I like "Encouragement Dave!"

Where can I buy a sticker for my car bumper that says “you been spending like you in congress” 😂

I work for a company that is contracted with the federal government and I also had to get a very extensive clearance. Fortunately, there were other tasks I could work while waiting for that clearance, but it does take a VERY long time for that clearance. It only took me three months, but a couple of my co-workers it took all but a year. Working for the government in any capacity is an absolute PAIN!!

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.

Marie seemed like such a sweet soul. I’m really proud of her. As someone who was a single mom for 9 years, that one really hit hard

I am impressed. Such an honest, refreshing class.

Don’t borrow money from in-laws! You think you know someone?? wait till there’s money involved and Dave is right they are going to watch every dollar you spend because it’s a dollar that could be going to them and you’re gonna have to explain why it’s not! No……..😳

Dave, do some research (or have someone do it for you) about how PhDs in STEM fields work. Five years with minimal pay is normal because you don't have a bachelors degree coming in and you do research the entire time as work for your degree. Working a job while working on a PhD is only possible if the job directly relates to your research and so helps in writing your dissertation. They are very different than a PhD in any other field.

Dave did a great job of pointing out that the minister and teacher seem to like their professions but it’s their work environments that are the issue…they don’t need to change careers! Also, the minister is going to have to set boundaries no matter where he works!

Woke up out of surgery and listening to Dave Ramseys soothing voice put me back to sleep :) LOVE this show!

Dave never mentions childcare costs when both parents are putting in all the extra hours.

34:58 "I don't know much about your space" - that one went unnoticed!

$65k for a plain jane half ton here in CND, and they are everywhere. Selling like crazy. At the same time, foodbanks cant keep food on the shelves.

My 2 younger brothers have started their own “ soft wash” pressure cleaning businesses, one in PA and one in Oklahoma. Both are doing very well. They make enough on the jobs they do that they are able to work part time and my middle brother and his wife work as volunteers in a program of building Kingdom Halls for a few days a week.🙂 4:55

AMEN!

How much will 15% into my 403B plan reduce the amount of taxes to the IRS?

Rockford, IL - WOE 😱!

their advice for the PHD Aerospace chick was super solid, not the most intuitive thing most people would think of but I agree with the approach 100%. Create an insurance policy and go big on the career knowing you got a backstop

Rachel Kruse didn’t coin the phrase “Comparison is the thief of joy.”

Why do they advertise this show is 3 hours long, but it’s only 2?

Love Dave's well articulated intro..reminds me of Dave from years ago.

The title is contradicting. It says personal finance isn't based on feeling but rather math, yet when comparing the snowball vs avalanche, its all about "personal finance is 80% behavior, 20% math"

I would be more worried about not being strong and supporting my wife rather than acting whimpy And afraid.

I'm slow but could someone explain "Snowflakes come from helicopters" I found it funny but didn't understand hahaha

Jenna…… no way, I would stay where you are and finish paying off that house. I would not take anything else on at this point especially with four children. You have a lot of possible unexpected incidentals there. Taking on a project like that comes later after you have your primary home paid off. Stay on track. Sounds like you’re doing great!

I am a new listener and have been listening for a few months to agree to a lot of the strategies you suggest for folks. My only issues is the negative suggestions is of eating rice and beans as if only poor people eat it. I am of Hispanic descent of the Caribbean and rice and beans are main staples in our diet. Along with whatever proteins being served. We consume it everyday and it is a part of our cultural. Same as it goes to a lot Asian nations that includes rice and beans/lentils in their diet. How about suggesting to people to learning to make healthy homemade cooking again and food prep? It's 100 times better than restaurant food and you will always have extras for lunch or dinner. Food planning and prepping allows you to prepare meals with intention by sticking with whole foods and limit processed foods. It's a much better way to manage the food budget and cut down on all of the "extras" that are picked up at the store. As we are coming into the fall, crock pot and instapot cooking are awesome devices for cooking in bulk. As it can be set to cook on low all day and by the time you get home, dinner is ready. Just make a couple of sides and it's all set to go. I would hate for anyone to have a negative connection to rice and beans as being a poor person's diet. It is not. It's a wonderful staple items that feeds a large family or group with minimal effort. Same goes with pasta, potatoes, and veggies and the variety of proteins that can go together.

What does Dave have to say. “Oh my God?”

I’m favoured! Despite the ups and downs in the economy, I'm so happy withdrawing $24K weekly profit out of my investment I just cleared my mortgage 7 months ago and I give back 20% of my weekly interest back to Charity.

I’m a case worker 😩 But now I’m on KZfaq creating my own income path.

They knew about thi need for a security clearance so not to make that part of the interview process is criminal. Security clearance is standard operating procedure. Sorry you aren’t aware of that.

Least inspiring debt free story.

Loved the discussion on a million and a billion. Here's an easy way to think about it - counting to a million at a normal rate 24/7 takes 10 days. Counting to a billion at the same rate takes 30 YEARS. And a trillion is a thousand billion!

Dollar Tree has shampoo for $1.25 and shampoo online can cost 100$ So!!! its easy to get poor. Sorry all just spend wayyyyy less...........................

Speaking of math, uncle dave needs to revisit taxes, and health insurance. that poor kid he told to pay 8k a month at 160k in income is insane. He probably only brings home 9500 a month. Theh have daycare and a place to live

My Auntie Fre: 9976k: Authorities Abuse:

If Dave is saying certain degrees are useless, then why are you required to have a degree to work in that job. Maybe jobs need to rearrange their requirements.

Loaning a friend money: I had a great experience: I loaned my LONG time friend $250,000 in 2015 @ 8% on a 4-unit apt bldg. We were the “First” mortgagee. Twice we added $30,000, then suggested he sell the bldg in 2022. He did sell; while still owing me $275,000. It’s all paid back and we’re still loving friends.

Asking Dave Ramsey about going into ministry instead of the dude you're going to be ministering people about? What is wrong with you. Ask God bro. Not a spirit of fear but power love and a sound mind. That call really pissed me off.

Regarding knowledge: 1. Dave 2. Deloney 3. The field.

Most government people retire millionaires after 30 years with a pension and good education benefits

She's not too bright if she thinks we've been to outer space 60 yrs ago

Not at all true look at inspector government make the most. A lot of government stuff pays fair wage. Maybe in the south it is bad. Also government high end clearance takes 1 year. Dude pretty clueless about a lot of issues they ramble about stick to finance

Hello Dave, I have done your classes and are now involved in Airbnb. I have heard your Comments regarding airbnb and i'm very sorry to hear so many negative things you have to say. I have been involved with Year b m b since two thousand and fifteen and have appreciated all that it has brought to me and my family. I must say that much of what you say depends on where you live and how sperm you are about new parties and also your relationship with your clients or guest. It is a wonderful thing for young people getting involved with their first apartment, Great for retirees that enjoys doing things for others and keeping their properties up. So please, when you discuss airbnb, please indicate that it's not the negative is not the same fòr all people. So quit the negative and try and find the good things about airbnb to say on your radio, thanks, babe.

Neither a borrower nor a lender be. Simple. That's not Dave thats common sense people. I don't need DR telling me that. Half a brain would tell me that.

Change this title! Anyone who recommends NOT paying off your highest interest debt first should never say a thing about math!

Snowflakes come from helicopter 🤣

If they really needed him, this wouldn't be an issue. Military speaking, they are screwing with him.

Since when did the Ramsey Solutions Team care about math? As soon as math contradicts their narrative, it’ll go right out the window & they’ll revert back to their behavior over math argument as usual.

Nope all contractors are crooked don't do it unless you're doing the work yourself