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As a nurse, I often wonder why doctors and nurses aren’t millionaires… then I look around me in the parking garage.

I think when the average broke person hears "millionaire" he pictures a guy in a silk suit, driving a luxury car, and a $1mil+ house. Thats the deceptive image a lot of people have.

I’m a 39 year old engineer in NJ and can proudly say I’m a millionaire just from working 17 years and being responsible with my money. Dave is exactly right.

As a financial planner I can confirm that my engineer clients don't let emotions get in the way of their logic

It's 90% discipline and 10% knowledge. Like Dave says. You need a big "why".

About 20 years ago I decided to add up ever asset my hubby and I had. We were shocked to find out we were millionaires. He was a blue collar guy and I was a pink collar worker. No college. No inheritance. We took inexpensive vacations every year. We started saving when we were in our early twenties and kept on saving what we could. We retired wealthy and happy.

As a retired systems engineer who worked hard all my life and lived within my means… I totally agree! I retired at age 58 with several million in savings and assets and now enjoy a comfortable retirement. Paid for my kids education, weddings… but avoided the temptations of McMansion house, vacation home, new car every few years, latest tech toys, lavish vacations… Living within your means is key to having the money to save and invest for the future.

I’m not a millionaire, but close. I did it all on a hourly wage as a HVAC tech. Raise four kids and sent all four to two years of college. How you ask how; I knew to live frugally, saved regularly and the magic of compound interest starting at a young age.

Beware of little expenses; a small leak will sink a great ship.

Aeronautical engineer. Paid my own way through college. Debt free at 29. Millionaire at 36 (net). No inheritance, parents are still alive, and yes, I love my job.

Dave Ramsey: "You don't get to negotiate with math!" Half of America: "That's just like your opinion man!"

Tis true. Worth 2 million, no debts, a good teacher's pension, and retired at 58! Loved teaching for 32 years. 😊

What makes you a millionaire isn't how much money you earn, it's what you DO with your money after you earn it.

Hah, I'm a teacher, but I'm not going to argue. We are all about learning. I'm going to pay attention and make myself a millionaire!

When I was 25 years old as an enlisted military member, I was reading a Kiplinger's magazine of how much you would have to save and for how long in order to become a millionaire. It was at that moment, I decided to save ...save ..save. Even after divorce and financial reset, I kept at it and am living a debt free lifestyle with CHOICES...brand new truck paid in cash...paid off house...investing $4500 a month and taking several vacations a year with ZERO DEBT..... YOU CAN DO IT TOO !!!

"If you read comments on posts like this, you understand why some species eat their young." ~Dave Ramsey

My grandmother was a single mother and taught her entire career. She retired with a net worth of 2.1million. If you would have seen her you would have never thought she had any money. She was so disciplined!

Personal finance is a taboo topic for a lot of people. If you acknowledge there's something you could do, you're also admitting to some culpability for your situation.

My husband and I have lived on 70% of what we make, regardless of how much our income grew. We are 60, married 40 years and have been millionaires since our late 30's.

Quit HS in 12th grade, spent 8 years in navy, became technician and worked(read) my way to engineering manager position for an international company (never obtained degree). Retired at 62 with 1.5 million & zero debt. Now 10 yrs later I’m at 1.8 million and zero debt. Living great!

If only people would just take the time to learn this stuff instead of crying on social media.

Engineers are logical, planners and good with math. It doesn't surprise me that many of us purposely live within our means.

There is a RN on KZfaq who does a personal finance vlog trying to get nurses to increase their savings to reach financial independence. She is constantly trashed with trolls saying it can't be done. As a CPA, I finally interjected that her detractors would be better served by asking how she accomplished it rather than telling her that it cannot be done. My father was a millionaire at retirement working in a non-union factory as a forklift operator. And he sent all five children to Catholic schools and to college.

My wife and I made our first investment at age 30 with a $50 a month investment into a growing mutual fund. This was all we could afford, but it made us take notice of where our money was actually going. At the end of the first year we were amazed of how money actually grows. From that point in life, we made every effort to save first, and consume less. We still took vacations, but we budgeted for our standard of living. We retired five years ago debt free. The secret is not earnings, but consumption and priorities. When my daughter started working part time at age 15, we taught her about investing in a Roth IRA. We matched whatever she contributed. She’s now 34 years old and you would be amazed at the value of her Roth IRA. Time and budgeting are the biggest weapons in fighting poverty and working your whole life for the man. Cheers!

I did Engineering. one aspect of engineering is being able to plan ahead. works for money too.

Proud to say my husband is a physician and I'm a nurse. Now before you say "oh well he is a dr". And? Most drs we know are drowning in debt. Its not about how much you make per say. We reached a M'naire net worth very early in our marriage when we started with great debt. Sacrifice, work hard to get rid of debt, live BELOW your means, and invest!

I am not a victim, I came into this world with a disability and I am a very strong and happy person.

My Aunt was a teacher in New York City and she retired a millionaire. She was frugal, lived in the same townhome for over 30+ years and grew a lot of her own food.

If these people read “The Millionaire Next Door” instead of “The Communist Manifesto” they would be millionaires too.

You know who inspired me the most? The guy who mowed yards for a living - not a large landscape guy - just a guy and his mower ... he was on one of the millionaire hours ... impressed the heck out of me and made me realize I was goofing off and making excuses ...

I’m a millionaire and I sell tickets at my local train station 🤣. I even had a guy once complain to me about his season ticket and when I got his customer info, I realised I was his landlord…. I obviously kept it to myself, but due to his rudeness and condescending attitude, I was tempted to insist his rent goes up 100% .

My wife and I taught for 40 years. We lived in a modest home, drove reasonable cars, didn’t do expensive vacations. We started a TSA in the early 80s. We always contributed the max and when we retired it had seven figures. Now we did inherit some wealth, but treated it as an old age, untouchable principal and we were in our mid 50s when we go it. So it did not figure in our quest to be financially independent. If we never inherited a dime we still would have the seven figure account. So here was our strategy. Save as much as possible in the TSA. Get vested in a pension system with health benefits. Treat raises as an opportunity to increase savings. Act as though Social Security would not be there. Never, ever spend principal. Never ever count on what you might get from your parents. It’s not yours and anything else you get is gravey. So Dave is right. If you are a teacher you can become a millionaire. We have many friends who are educators that are wealthy and secure and used the same approach.

Sometimes people don’t like hearing the truth. Facts hurt sometimes

I'm a registered nurse that will be a millionaire! I'm on my debt free journey now. As you stated it's all about behavior and you're right educators can do it too!!

12 single family homes with no mortgages...retired teacher...beautiful "stuff"....blessed and winning.Follow the plan..it works.

I grew up poor as a child and I always had people telling me I couldn’t afford certain things and I’d never be able to. The negativity made me want to strive to prove these people wrong, and I have. In a hopeless world, you have to create your own sense of hope and fight for that every day. Living hopeless isn’t living at all.

Consistency over time. There is no replacement.

So tired of hearing about the victim. Everyone is a victim these days.

“If your mouth was shut, you wouldn’t be making noise” had me rolling😂

I'm am engineer who was undisciplined and spent most of the money I made. I started following Dave Ramsey's program.....and within 3 years paid off my car and home by being very disciplined and doing exactly what he said to do. Thank you Dave. I now own rental Homes and am close to a comfortable retirement all accomplished within about 12 years thanks to Dave.🙏

Dave speaks the truth. Love him for that. People now want to be treated as 'victims' to avoid doing the hard work.

Dave is coming for all us today 😂😂😂😂😂😂😂 and Ken is sitting there cosigning the shade lol

One of the older fellows at church was a painter and wallpaper hanger. While in the military his folks lost their home and he purchased a row home for them to live in. He and his bride eventually got the home, raised their family, and lived there until old age. He always had a garden and sold tomatoes off his front porch. He and his wife rarely ate out, lived simply, yet we're very generous. He was a millionaire.

Dave I can really blow their minds and tell you that I’m a truck driver that never went to college for a single day and I’m debt free living in a paid off house. I haven’t hit a million dollars net worth yet but I’m on my way! Thank you for all you do

I'm a janitor and on my way. Learn to live within your means.

“Wants a narrative that declares them a victim “ …. So True Dave ! Utterly 100%

“It’s the law of averages” “no the median is not an average” 😂

Im nowhere a millionaire, but I'm certainly not mad at anyone for doing the work and being one. Congratulations to them.

Technically, if we all lived below our means we can make it to millionaire status. But so many spend way more than they earn so they are going the opposite direction.

My hubby is an engineer, and yes, we have a pretty decent net worth. I used to work in a library. We have been able to retire comfortably because we were frugal, lived below our means and saved and invested through the years. Good video, and I agree with the points here.

I grew up in the hood. Always made less than a teacher's salary but still managed to become a millionaire with zero debt. Oh well.....😊

I became a millionaire following Dave Ramseys advice. Hourly worker in a factory, not a 6 figure paycheck guy.

With houses at $500k, it’s hard to believe that there are only 17 million millionaires in America. Sad.

I always told my kids when they were teens that “self inflicted wounds hurt the most”…. We all can trip, we can stand up after we trip and move on! Love your show, Mr. Ramsey!

Discipline makes people mad, who don't have it.

54 years old. Automotive engineer that retired last year. Put myself through college, never married, never budgeted, had credit cards for 30+ years, new cars every 4 years. Lots of expensive hobbies and travel. 25-35% charitable giving annually. No inheritance, no help from parents. Retired last year with multiple millions. All you have to do is spend less than you make and invest the difference. That and being blessed.

Being an engineer I love this study and I agree ☝️ Engineers rock !! 🙂

I'm a professional musician. Musician obviously does not make the list of top 10 careers that lead to millionaire status. However, instead of whining about it, I'm out there hustling and grinding. I make $70k per year as a musician, providing for my family, and we invest in a Roth IRA every month. My wife and I are on track to become millionaires by the time I retire. It's just about focus, sacrifice, and hard work: the stuff Dave has been teaching for 30 years.

As a doctor, I'm not surprised teachers are higher on the list. Many of my classmates were partiers and wanted to "live like a doctor" despite being six figures in debt.

Thank you for putting this out there! If enough people understand these facts our country will have hope for the future. Keep up the good work. 😊

Watch it Dave! I was watching this with my three year old. You said Stupid! My little one said; “ That was naughty!” Lol!

Dave, being a millionare is a pipe dream for a lot of people in a world where $8 caramel lattes exist. Change your habits and change your life.

Millionaire boat repair guy here! Dave’s system is how I got here! Live on less than you make, invest and don’t use debt - boom!

Love to see you guys shoot back at the negativity. Honestly I find it refreshing. Keep to your ethics, techniques, and approach and the benefit will continue for the folks who wish to do the real work required. Thank you!

Love the term "keyboard warriors" and the message that you don't get to argue with math - this country is drowning in misinformation and "make up your own reality" - thanks for a great clip and common sense

I'm a nurse who teaches. Its a great income with great benefits and easily, we can be millionaires following the baby steps. Thank you, Dave!

This is depressing. As a retired engineer married to an accountant I thought we were special to be multimillionaires.

It killed me when tan shirt jacket guy didn’t know what a median is.

My dad is a millionaire engineer. He sent his kids to good schools, lived frugally otherwise, and saved. He's a millionaire, has his house totally paid, and has a loving family. He lives the American Dream and anyone can do it.

I am a nurse and I know nurses are bad managers of money. When I was in nursing school, all I would hear other students say is “I am going to buy a new car when I graduate” or “I am going to buy a new house when I graduate”. I had plans to save my money and buy a used vehicle (since the vehicle I had in school was falling apart). 13 years later, I still have that vehicle and am on the way to a good retirement. I also built a tiny home debt-free. I feel you Dave! I agree. I hope anyone reading this is inspired. YOU CAN DO THIS!

It’s sad that people are 😢getting dumber. My wife was a teacher for 35 years and built her 403b to over 1.5 million on her own on her small teacher’s salary

Bankrupt at 41. Millionaire at 61. Working as a utility worker. Saved and invested. Used a financial planner. It can be done.

My friend who is a teacher was asking me about investments before he was even out of college. Teachers are great planners (the ones I know) and having to budget for the summer probably keeps them money conscious

I still find it impressive that teachers were in the top three career fields of millionaires. 🧐

My wife's grandfather never earned more than $32000 in a year, but retired with just over a million dollars because he was very careful with his money and saved $75 out of every paycheck for 45 years. He grew up during the depression and was terrified of the stock market so all his interest was from cds. He would have been worth several million if he had invested in mutual funds. It isn't about how much you make, it's about being intentional with your income.

The question is not how many millionaires are teachers but how many teachers are millionaires. But it is a valid point that there is a path. Besides, saving, what else do these people have in common?

Can’t lie, I deal with the public a lot and a lot of us are dumb, even worse entitled. It’s sad.

I love people like Dave are so direct. These days people are soft.

Love the hope! Thank you Dave. People frequently preach on Faith, and on Love, but Hope often gets missed.

I’m a 50 year old Biotech Reimbursement Manager…. Been in the industry 20 years. Income in Pharma/Biotech is good money! I make more than some doctors…. And I am a multimillionaire!

I'm a teacher and a multi millionaire. I was fortunate enough to work with many investors early on in my career. All of these mentors of mine were unassuming people.

*The sad part is people see their salary as something to spend not save so they realize their failings and refuse advice on how to do it.*

I am forever grateful for D. Ramsey. Following his guidance, I have only mortgage debt and that's it. Feeling energized!!!

I'm a retired aerospace engineer. I got a mechanical engineering degree in 1980. Since retirement, I design and build backyard roller coasters with my grandkids and have a KZfaq channel. In college, I had to take one industrial engineering course, and it was all about the equations governing the time value of money. It changed my life! I help teach physics and engineering at two local high schools. I've offered several times to teach the time value of money, but no takers yet. It makes me think banks, car dealers, credit card companies, etc. pay schools not to teach responsible personal finances.

The sistema of baby steps is so simple that people mistrust and turn on the complicated mind and says "it can't be that simple, they are trying to trick me". We are not that important, or you chose to do it or not. Great job to Dave and is company! The world need people like you to continue to change life's!

Attorney here. Not a millionaire yet but working hard to achieve that goal.

Even through I never heard of you until last year, I've followed your principles for my financial life. Now we own our Silicon Valley home free & clear, have put two sons through college, free & clear and are looking at a retirement that does not depend on Social Security. Here's the thing: It did NOT happen overnight. We worked at it for 33 years to get to this point.

I'm a teacher. This was incredibly encouraging!

I'm tearing into work and doing every hour they let me work. And when i'm not working i'm either working on a side gig or improving myself discipline wise. Love this kind of message.

Instead of angry they should be inspired by what is possible if they work hard/ smart too.

I met a lady who was a millionaire at 52 while working a $33k/yr job while I was an apprentice. She now owns two investment properties and a home repair business (buying, renovating and reselling beatup houses) and is now making over $200k/yr and it's still rising steadily. Anyone can do it if you'd get your head out of the phone and into the game.

Dave, I’m a retired COP , I had a dream, I worked side jobs to afford the training to be a flight instructor. I’m about to retire again as an airline pilot. I’m a member of your club a couple of times over due to investing. My favorite quote BTW it’s mine “ you can look like you have money or you can actually have money. It takes a whole lot of money to do both”.

It is or it isn’t. It is amazing when even close people can’t believe the success that IS achieved following your system. It works! Thank you again! From the heart of a part time Special Education Teacher that has been a stay at home mom for a longer period. It is about how you decide to handle the money you get. Yes, it is to live below your means. And boy, it is soooo worth it! Living like no one else feels good. Even in the first phase. And CLEARLY in the second one 😀

Teachers are also one of the most common professions and are also often a second income earner married to someone making even more

Mr. Ramsey, I am disabled (two strokes) and I believe that I will be able to get out of debt in the next few years using your basic principles. You have it together. You are smart When people say or post that you are mean. No. You are honest. There are so many people who don't want honest, they want you to tell them that they are right when they are not. God bless you.

I heard a really scary statistic recently, 20% of the US population could not get their hands on $400 in an emergency!

For the record, the authors of The Millionaire Next Door did a similar study and found the exact same results. The key to building financial wealth is discipline. Living below your means and investing well. That's it. No magic involved. And for the record, they mention engineers as being number one in their findings for everyday millionaires. I am living proof of that. I am an engineer and I am a millionaire; multi-millionaire actually. Not trying to boast; just stating the facts. If you aren't stupid with your money, invest in yourself and your career and have a long term horizon, you too can be a millionaire.

Great inspiration. 👍. You may be a victim of something, that certainly may be true. Don't let that stop you. Don't let that be your excuse. Stay strong.

I'm a teacher. I'm on my way to becoming a millionaire!