I'm across the ocean, in the USA, but in case no one has told you this, I am so so so proud of you! Look at you GO.

@@SariennMusic73 wow, thank you very much 😊😊.

Lord aku. I hope you become more and more successful! Good job!

@@abrahemsamander3967 Hi Abrahem, thank you for your encouraging words. I appreciate it and I hope for the same for you too. Good day.

Great for you Lord Aku! I agree, Dave is one of the wisest advisers out there. Stay strong and happy. Keep us posted.

Manu John they mean Dave keeps them going, just like coffee keeps you going. It’s not dumb, don’t be rude.

Manu John its true though

Manu John says the guys who liked the autotune version of aint nobody got time for that. 🤦🏻‍♂️ ignorant people saying ignorant things.

looove Dave!!!! wise biblical principles ! huh imagine that, funny how that works eh? (i'm Canadian eh! LOL)

Manu John the reach

No one can control what they are born into. They can control staying there though. There is always options, even small, to create improvement in your life even if the only option is your mindset. Either you life in negativity and unhappiness or you see every day of life as a miraculous gift.

PrepareForFlight doesn’t matter what you tell them.., they have been taught to ignore western “knowledge “...They are told it’s false propaganda.

PrepareForFlight I agree with you.

Thank you Dave

No one makes you feel worse for being poor than a church.

Yah. Ive been without food for 3 days or of the week for a year. I know how it is to be dirt poor. Never again. I don't Finance anything and I don't buy it unless I really need it, and if I need it I look for a cheaper version of it and then it still look to wheel and deal I'm a lot better now with money that I've ever been to Dave Ramsey has taught me a lot

@@crow-vz5lxI've had negative balancce.

Great speech 👍

chris p intermate fasting

same

If you remain poor in an economy that you can grow it, that is on you.

Eeeeeeh😅

Uhh.. bro, you're poor.

Nope, he is wise, its simple as that, poor people owns cars & houses, and shit out children, left and right and center, and still can understand, why they have no money 👀

like I say at work "I'm not here a for a good time but for a time long time.

@@sitka49 that’s a horrible saying to say at work lol

He didn't coin that saying. It's a very old one.

me currently

That's a heck of a way for the government to look at weak people. If the lottery was REALLY for education, it would cease to exist.

I buy scratch and win. I don't care, I enjoy scratching them, I don't drink, or do drugs. haha. I eat healthily, and I don't drink fancy coffees every day, I don't get manicures or pedicures. Honestly, I have probably won as much as I have spent.

​@@violettippet5246 so at best you broke even minus the time wasted.....you have to realize your experiences are anecdotal and do not represent the majority of participants - this a statistically proven fact - not a subjective opinion.... statistically, the lotteries WILL win over the majority of participants, regardless of some lotteries rigging it completely with some employing phony winners as well as bribing regulators to bat an eye.

😂

droptozro Amen

It's a tax on poor people.

well depends where you live here in PA the lottery fund a lot of senior programs for the state...

sadly there are many problems in this state we have the highest gas taxes for road services and some of the worst roads in the US and most of our seniors dont get to retire they are all working in retail at 70/80 and even 90 years old because there broke and have to...and those very seniors are some of the broke people playing the lottery hoping to win so they can enjoy a few more years and leave their kids with something...I don't regularly play the lottery maybe a $2 scratch off once or twice a year for fun but like all gambling Im paying for the entertainment and dont expect to win anything...Id love to see the lottery go away but Im not sure how negative that would be for our society? would poor people lose hope in a nice future and resort to more theft and violence? what government programs would shut off overnight if it went away? So much is relied upon other things in our government...I think it would be 100% more effective if instead of giving 1 or 2 people a few hundred million they had 10,000 winners each time all get $50-100,000 each lol that would boost the economy much more than one dumb shmo who gets 500 million...Oh BTW that winner gets taxed on the winnings that were all free from the people sooooo much tax revenue from the lottery...

W K you cant win if you don’t play.

I wondered if anyone else thought that was the funniest thing they heard all day

Fool paid a ton for that PhD

He may have debt from undergrad, but if he's a PhD in Economics at UVA then he's almost certainly not paying a dime for that PhD. The cost of tuition for PhDs at elite schools is entirely covered by grants and fellowships from private foundations and economic think tanks - most likely a chunk of his living expenses, too. It's UVA, not Southwest Arkahoma State. It's about as elite as a public school gets.

@@tymom9313 Ph.D. pays me

truueee

@Jokeasterfe I think he means 50%. Atleast I hope he does, everyone could probably do more than 50$.

Dont just assume that $50 is pennies to everyone just because it might be to you. If this guy makes $20,000 a year before tax, $50 a check is a lot. And ramsey literally just said its better to invest 5 or 10 dollars instead of putting it in the lottery. Every penny counts. So great job to this guy. Hes got the right idea and that needs to be praised. He could be doing nothing.

@@shayslay3416 Yeah. I don't make a lot of money, but I invest $100 every week into my 401K because my employer matches it. It was hard at first, but I've gotten used to that money being gone before I even get paid.

Miss Priss you’ve Got the right idea, I’d rather struggle now that at 65

Goofballs love that term. I actually laughed when someone told me they were oppressed because they spen too much money

Some people don't make social media their life. That's something to look up to.

Andrew F I was thinking the same thing.

that's why he's rich

Adults don't read Buzzfeed. Children do.

3of11 exactly what did he say that sounded like a Democrat?

What did he say that resembles a democrat in any way shape or form

i sort of agree, he's neutral politically. His belief system comes more from common-sense and has no agenda other than genuinely helping people

@@BadBrad119 He's extremely conservative. You said he follows common sense, so that makes sense

3of11 agreed. He need to be balanced like this more often, I feel better about supporting him that way lol also he’d have more fans... so,metimes he’s a bit right wing harsh in an ignorant way....I think he knows better but just sounds bad

if everyone was rich no one would be

@@Victor-ko1xt not true, this isn't a zero some game. Or fixed pie chart!! Anyone could have any amount of money and it doesn't affect anyone else!!

I understand what he is saying. If everybody had $100,000,000, somebody would still have to run the water treatment plant if everybody wanted water. Somebody would still have to farm the food if everybody wants to eat. You want to drive a car, somebody has to manufacture it, maintain the roads, refine the gas, etc. So what happens? Prices go up insanely until $100,000,000 is just like $10 bucks, and everybody is back to where they are...at work and struggling.

@@jamie49868 not everyone will ever be Rich, you at least have the drive and the ambition. Some Don't some like having enough to be comfortable!! It take a lot of energy to be driven and Uber ambitious!!!

But isn't that the point. People work a regular job to be just comfortable. Rent goes up constantly because there ain't any no properties being built, its the same buildings and so prices reflect the demand people have for their own home. Only way to stop it would be to price lock or build more places for people to live. Capitalism is at play. You pay what you are willing to spend.

Rigo Cornejo 2nd world compa Tampoco no vives en Venezuela no mames. Financial education can be useful anywhere.

Mexico is a third world country? 🤔

@@flix8037 yes 3er world country

It's not the country itself it's the people & the corrupt peña . Because Mexico is bigger than Germany & has more natural resources. So a change of mentality in the people would bring the change .

I'm glad to hear someone in Mexico is getting this too. Everyone needs to know

I have experienced significant losses, and I am holding on with the hope of recovering them. It is evident that I am in dire need of assistance

It seems that *JENNY PAMOGAS CANAYA* possesses extensive knowledge and a strong educational background

You should feel good. He is praising you 🤗🌷

Hah you're right, maybe it's second-hand guilt for those poor folks? Who knows.

I think the PHD candidate meant that Poor people buy lottery tickets because they "Believe" it is their only path towards upward mobility.

He does? Well, I feel like buying a lottery ticket just to SPITE HIM!!!

I don’t buy lottery tickets or go to bingo because that’s means I’m trusting god.

😅🤭

Sounds like my past roommate lol

How to forget the time I won 50 cents... I can tell the story.

😅🤭

@Julie he's just being honest

Julie I didn’t take anything he said that way. He’s holding ALL parties involved accountable. There are money hungry people who take advantage of people who struggle financially. And the people who get taken advantage of won’t smarten up and stop allowing themselves to be taken advantage of. I come from no generational wealth and little to no financial literacy. I see what Dave is talking about every single day.

The hard thing is convincing people that pennies really do add up. I use the "change in a jar" example. I take the change from any purchase and toss into my cars change holder. I never have lose change, so I get change on every cash transaction I do. Each day I take the change out of my change holder and transfer it to a jar in my kitchen. Some days it's $.47, others $3.09. My gallon jar holds about $70-80 consistently, and I do about 6-7 a year. It's somewhere between $400-600 per year. A couple of quarters, a few dimes, and some nickels in my pocket isn't anything, but $500 is a nice little investment chunk or set of cheap tires for basically free. So yes, saving a few bucks on internet, a couple more on cable, and going to the library instead of buying books you need/want to read, will add up...it all adds up. Good luck.

Thanks for reading my comment. At least someone's there who understands it.

Gregory M. Peters, MD also, don’t get married unless you can afford it or you and your partner are on the same page. Great points!

Marriage has what to do with it? Don’t have kids till marriage? Should be ‘don’t have kids till you can afford them. Married or not! Doesn’t matter!!!

walkernick86 It makes a difference if you are true practicing Christian; he is.. if you are not then it doesn’t matter.. however I agree even professed practicing Christians should still wait until they can afford children..

Winnie Johnson everyone isn’t a Christian.

S Chochotte of course they aren’t and I expressed that indirectly in my previous comment..the advice he is offering is for people who profess to be true Christians.. non Christian do according to worldly standards or their own belief system..

I hear what you are saying, but ….if that were true, no one would ever win. someone wins the jackpot all the time. power-ball and mega-millions are drawn every week, and someone wins with in a month or 2 in general. but that is just one individual, sometimes a group, but never does it seem that it is people who are from the poorest neighborhoods.

Jen Rich 20.00on Lottery tickets and I might win?! I don't like those odds!

Jen Rich Only the government can get away with advertising something for one amount and only actually give you half of it in the end. Any other business or person would be criminally prosecuted. I never quite understood why people don’t talk about the lottery more. It needs to be abolished.

Jen Rich You dont pay income tax in Australia? How would you not pay taxes on huge lottery winnings?

we do pay the taxes on lottery in Aus, the difference is the lottery can only advertise the take home amount not the full amount

ACR They cant do it like that in America because tax rates and tax types vary greatly from place to place. Like my state has no income tax, just the federal income tax, but many states do. Sales taxes also vary widely between places.

MyNameIsCorey the lottery is a tax for stupid people.

I wish david ramsey would talk about disabled people on ssi and medicaid they cant invest because you cant invest because you cant be worth more than 2000 or you lose your health insurance and income.Unless you can invest good enough to where you dont need extra income theres really no point in disabled people to invest.I really wish he would bring this up

Snacks at 7-11 are grossly overpriced. I’m not sure you have a high horse from which to be boggled at the lottery-players. 😄

@@michellekulas282 I know right😂

@@ratgrandma6540 he has on other segments, there was a caller who was on SSI. And he talked at length about it. Also, some disability programs Don't have limits to what you can have!

Thanks, Pursuit of freedom! There's a lot of truth to your statement. = )

yeah i just say you guys can fuck right off. thankyou :D

As you plan your retirement, be sure to talk with a financial advisor who can help you make the most of your retirement investing scheme.

@@MarcusFred-wn3iv Very true, If you're looking for help building a retirement nest egg, you most likely want a certified financial planner with expertise in retirement planning. With the aid of a coach, I grew my reserve from $160k to almost $600k during this Red season.

@@harrisonjamie794 How can one find a verifiable financial Planner, I buy the idea of employing the services of a Financial Advisor because finding that balance between saving and living requires counsel.

@@MarcusFred-wn3iv KRISTIN GAIL CUNNINGHAM. On the internet, that’s the financial advisor I use. She’s verified; you could also read more about her and then communicate with her. it’s always good to do your research before putting your money into any investment.

@@harrisonjamie794 Thank you so much! Found her webpage and left a message. Hopefully, she responds.

@BoardWhareHowse - you have the correct outtake on this. You win by investing $$ into something that has actual value. I think I’ve spent a total $20 on lottery tickets in my lifetime. I think I’ve won $3 total.

lol

Only if your friend pays the minimum each month on that card.

I don't believe he would agree with this. See he wants people to avoid debt (credit use) and if he just spoke about not buying lottery tickets because you most likely won't win than i would say no. Live within your means, no credit is recommended. And while you can pay off the card as soon as you use it he mentioned in another video that people tend to spend 12 to 18% more than usual (i believe that is the number) and the companies study us so sometimes don't go into an iffy situation where you many not know it all.

Only if you take out a payday loan to pay the minimum on the card lol

Only if you take out a payday loan to pay the minimum on the card while you drive in a newly leased audi to buy the lotto ticket while you're sipping on a $10 latte that you also purchased with the credit card. hoping that you will win the lottery to pay off $200k of student loan debt for a masters degree in gender studies. only then can you buy them with a credit card

😂😂😂😂😂

Then you live in a corn hut

or... as they say in the hood. A corn crib

“Wa-lah”🪄😂

@Brian Waller wow If that's true then it is a genius plan from the government to squeeze money out of the poor people.

thats awesome but its not the norm..so dont take it as Dave says it impossible just abnormal...which it is...

It is simple, but it's not easy.

Thats true every one has rights to try any which way works to be successful and success has no rules keep pushing you will be there or someone else will be there follow Dave

Let's get rich together

Maggie Lara 😂

Same

Yeah, me too

Maggie Lara lol...you need to stop spending money.

Jenny M i live in california 😭

Someone has to rob them though. Whether it's the pope or the government or the guy that claims he'll make them rich quickly and easily.

VFINX. You’re welcome

Both been around for more than 80years. AIVSX, PIODX. Have return around 12.13%/year and 11.88%/year over that time. These may be wrong and may not return 12%/year going forward, this is not a recommendation, seek your own independent financial advice, you may end up with less money originally invested.

Right, he forgot to mention the FACT Mutual funds is like playing the lottery to.

@@edkennedy7952 Not really. Only in the same way that buying a house is like playing the lottery because its value might drop in the future (even then I'd say a lot of mutual funds are probably lower risk than that in the long run). There's a difference between day trading (gambling on the market) and investing. Don't do the former. Inform yourself before doing the latter.

And then get a 4000 tax return because you have a lot of kids...not because you paid that much in...... and spend it on tattoos and tinted car windows...and the next week be at the food pantry. Oh the stories I could tell from my last job.

and when they got some money, they drink, smoke,...

They don't all smoke and drink. Some poor people do live within their means. That is a point ramsey touched on. There are some countries where being wealthy is not very easy because they don't want you to be wealthy. It's a very closed mind when you put everyone in a bubble. It's not to say that some poor people have made decisions where it only keeps them poor. And if you guys (not the one who began this thread) were trying to not say every poor person is this and that then use your words more wisely.

What a loser. Has it ever occurred to you that they don't know a better way? I have NEVER met a poor person that enjoyed their status. But then, my nose isn't scraping the ceiling.

Please stop calling other people names when you disagree with them - You need to expand your circle of friends. I personally know several that do seem to enjoy the drama of 'being poor' - the 'man' is keeping them down, etc. As they are paying rent to slumlords I purchased a house; they beg for gas money from my parents, I budgeted and save; they have parties I do not. I stay employed - they do not. My accountant brother showed them how to live on their income - after two just TWO months they said they didn't like living like that .... my parents enable them ... their friends enable them ... It is a sad mentality that they seem to enjoy - trying to get the sympathy vote from those around them. Not all are like that ... but really ... YOU try to help 'poor' people - it doesn't work - it WILL work with broke people ....... we need to learn, as a society, how to change the 'poor' mentality - we live in the US for goodness sake! the richest country in the world!

😂😂😂😂😂😂 That comment he made, made me laugh.