Get life-changing financial advice anytime, anywhere. Subscribe today: kzfaq.info

When I was 14 I was worried about my acne

STOP ASKING DAVE HOW HE'S DOING...."HE'S BETTER THAN HE DESERVES" OK? LOL

"Borrow your way into dreams, turn them into nightmares." That one stung!

I damn near choked when that dude said his father left him 50 million. Sir, would you like to adopt me? 😂

At 14 I was $3.75 in debt from school lunch 😭😂😂

I love how everyone says they're "doing great" when they start out the call

21:53 “where are the-- where’s the dad?” 😂😂😂 Dave knew what it was but wanted to be polite

"my husband is sleeping over at his exs house" "Sell his car"

When i was 14 i used to close the fridge door to see how the light turned off 🤦🏻‍♂️

“I am 14” Dave : 👁👄👁

14 year old has vintage car he can't even drive, $15k in bank and $21k debt. I'm guessing his family is millionaire and his dad considers this as early lessons and training. Dad can probably step in and clears it up with his spare change in an instant if he wanted.

Dave wanted to tell kathy she's stupid but caught himself😭😂🤣🤣🤣🤣

My man was 14 making boss moves 😆😆😆😆, the bar was raised after that call

14 years old. - Started a business - Focused on paying off debt - Watches things like Dave Ramsey It's natural for someone to mess up the first time. But he's incredibly young and his mind is in the right place. I'm telling you, that kid is going somewhere.

I’m just now watching this video but I actually teared up when Dave says, “it’s because she’s sick buddy” @ 33:20. What a REAL answer from a stranger to someone in need, like he’s one of the caller’s best friends. It just speaks volumes of Dave’s character. Love this freaking dude.

The way Dave bluntly talks to his callers is hilarious. 🤣Its so entertaining to listen to these episodes while sitting at work lol.

People keep talking about the 14 year old...but he has a 16 year old brother who loaned him 20k?!?

i'm new here but I'm in awe. He's like a cross between Dr Phil and Judge Judy with an extra helping of brutal honesty

Dave calling a womens husband weak and her daughter a rat was top class. This guy doesn't miss.

So thrilled there were no children for the woman whose husband was cheating on her. And hope she find strength to stand strong.

“Adults don’t do sleepovers with people they’re not marry to” I mean, the fact that he has to explain this 😂

He is the judge Judy of common sense and finance😂 I love it

#3. I was her. Packed up my son, my things, got an apartment & filed for divorce. I am worth more & my son deserves better. That was just over 11 years ago.

"love her enough, love her well" that one touched me deeply 🙌

when the kid told dave he was 14 the look Dave's face was hilarious. lol

“I’m going to my ex girlfriend’s house for a sleepover” “Alright, I’ll have the divorce papers ready on the table when you come back”

Putting well-earned money into the stock market can be over emphasized for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me? I'm nearly 60.

Amazes me how many parents are enablers. My parents cut me off in my 20s after my second “emergency” and I have been learning how to fall on my face since then. Life is hard and it’s my life and choices. My parents know this well and I love them for that.

This kid could be a millionaire. He needs some guidance but the fact he's looking for it at that age is remarkable. At 14 I didn't know what debt was.

06:58 - "Quit trying to borrow your way through all of your dreams, you'll turn them into nightmares"

The daughter stealing $80 thousand dollars from her parents just broke my heart, wow. Dave is correct she needs to be fired and out of the building immediately.

Dave: “hey, how are you?” Caller: “I’m great!…. Also, I’m 1 million dollars in debt…. From student loans…for a doctorate in gender studies… and a masters in afro-dance theory.”

“Hi Dave I’m calling to ask your opinion on....” Dave: RICE AND BEANS, NO VACATION, LIVE LIKE A DOG!!!!!!!

I had a bunch of vintage cars at 14. They all had "Matchbox" and "Hot Wheels" stamped on the bottom.

I don’t think Kathy is stupid, I think she’s very insecure and in denial to some degree. I think she knows in her heart of hearts what he’s doing. So sad.

Love this guy! The parent/father most of us needed. No nonsense. Ruthlessly honest. Are we sure he’s American…? There’s no fluffy to him.

Dave Ramsey is the Gordon Ramsey of personal finance.

When I was 14, having $20 was awesome

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.

It is so liberating when Dave is willing to recognize clinical depression, I hope for the day it is recognized as any other illness , thank you

“I’ve always done entrepreneurial things..” 😂 Bruh, since when, age 12??

Hi, my husband is sleeping at his ex girlfriends house, my question is : should I sell the house and use it for my bail or keep it for my prison commissary?

I am addicted to Dave Ramseys brilliant advice and knowledge of money managing. He is helping people manage their lives responsibly. Thanks Dave! ❤

In reference to story #3, I recognize myself in this woman's situation. She mentions that she put her husband through school, that she manages the budget and it sounds like she's been the responsible one throughout this relationship. It has been a major investment. You can hear that she's all sorts of turned around trying to make sense of her situation. The reason it doesn't make sense, isn't because it doesn't actually make sense. It's because you're trying to reconcile that fact that this other person is not concerned about you like you are them. I'll say that again for anyone in a similar situation that needs to hear it. They DON'T care about you. You are a comfort and a convenience, not a person they love. Your relationships is/was a one-way street. At this point, the hardest thing to do is going to be letting go of the sunken cost; which is a fallacy. Cut your losses, because people like this do not change. They certainly cannot change when the situation that allows them to continue does not change. Let them go or kick them out. Save yourself. Your future self will thank you, I promise.

Its like these people went into debt for our entertainment.

"About" 6 kids. "About."

The 14-year-old caller was just a troll

I only recently discovered this guy at 35, and can say we have something in common: we both don't like credit cards! Looking at my financial situation currently, after marriage and welcoming our first born, our financial situation isn't too bad, but so glad I discovered him now to be better prepped for my family's future. Only regret is not learning about Dave sooner lol

My heart dropped when the lady said "it's up to him." No sweety. Just no.

"yeah im 300,000 in debt and I'd like to take 400,000 more debt buying rental properties. Don't worry, I'm a handyman!"

Dear Dave, I accidentally found your channel. I have been debt averse my whole life, and worked 18 hour days and my Husband and I have created a Beautiful Home. I have never heard so much good advice and good sense for financial advise in my entire life. It is entirely opposite of our credit card juggling friends who drive the latest cars. I am so grateful we have found your channel. You speak so much good sense. Thank you for sharing your good sense and expertise with the World. You now have new listeners in Australia. GOD Bless you and Thankyou so very much !

“Comfortable” is a funny concept, I started telling people I was comfortable when I made 50k, and by that I meant I can pay my bills and still afford a drink after work. Then I learned what “comfortable” really means and realized it’s just a phrase for rich people to lie and say we’re in the same level.

Dave, I just inherited 500 million dollars. Well I haven't received it yet but one of my long-lost relatives left it for me and all I have to do is pay a release fee to some guy overseas in Africa.

That husband sleepover story... My God. He has been emotionally manipulating and abusing her for a loooooooong time for this to fly. Bless her

Dave: “Hello how are you today” Guy in $300k debt: “I’m doing great” Narrator: “But in fact, he wasn’t doing great”

Thank you for helping America get out of debt!!

'Where are the-where's the dad?" He KNEW them kids all had different dad's; he was trying to be nice LOL.

“Hi Dave, I’ve just inherited 50M in cash...” “RICE AND BEANS!”

Your kid will get ZEE-RO. I love Dave so much.

What a blessing that 14 year old could learn such a valuable lesson at his age. I pray he learns from it because WOW his potential is huge.

"spending like you're in freakin' congress" classic

Why is the dad worried about his daughters debt when he has six grandkids in Foster care

Dave, I used to listen to you on the radio in my car very regularly when I was working, and I found your advice so appropriate. That was over 25 years, ago. I love your vlogs that I'm now watching, and I appreciate all you do to help people like you are doing. I thank God that He got us into a position in life that we now have a debt free existence and are living off pensions, and still able to save and go on very wonderful vacations. Credit cards are the devil's tool. Unfortunately, people do want more than they can afford. I find student loans so unfortunate that kids today have to go into debt just to get an education. Thank you for all you do for people. I hope you keep up the good work. I don't know how you handle all the terrible decisions people make. God bless you!!!!

“You ready to endure some pain?” 😭 😭 took me out!

"Hi Dave, me and my wife are $300,000 in debt and we're just wondering if we should purchase more things" LOL

They're not doing anything, they're just having "Sleep overs" That poor woman

Listening to Kathy's story and Dave's response in reference to what I am going through is exactly what I needed to hear. Thank you so much

The third call blew me away!! Adult Sleepover with his ex, omg!

When I was 18 I got a credit card because I needed the money at the time. Within a month, I maxed it out at 700 dollars and the statement got sent to my dads house since I hadn’t changed the address. He called me up and chewed me out so much, telling me to immediately go get some scissors and chop the card up and send him a picture of it. He told me NEVER get another credit card or get into debt or he would cut me off. 7 years later. Best advice/scolding he gave me.

you know you are a Dave fan when you remember all of these calls.

Dave, I listened to you starting in 1995 on AM radio in pittsburgh driving to work in my volkswagon bus- AM is the only thing it picked up. It’s so, so good to hear you again these many years later. You haven’t changed a bit!

Love Mr Ramseys show. He is so wise beyond this time. Grateful for you Sir!

I think that when people “look up their old flame” on Facebook, they aren’t actually looking for that person; they’re looking to reclaim their youth.

Caller: I'm 20k in debt Dave: How old are you? Caller: I'm 19 weeks prenatal. Dave: ....

This is the first time I have seen your show Dave, but I love it!!! You are 100% spot on with all of your answers

The father calling about his daughter was just sad...

It'd be cool if we got follow-up calls from these people to see what they did with Dave's advice.

“You’re parents left you 50 million dollars...what did they do?” “They died”

Bro at 6 needs to change his pay to go into a separate account that's his and just put a allowance amount into the joint account for the wife, like a child's pocket money 😂😂😂

i predict the 14 year old will go on to great things. For a 14 year old to have authored and lived through this much of a business story is amazing.

Im 14 and in debt Ramsey: sell your car

I've been listening and following Dave for 6 years and I just realized his logo is a D and a R in one. 🤯🤦🏾‍♂️

I feel bad for the lady who's husband is sleeping over at ex girls house. Her self esteem gets demolished while his gets built up because he is getting away with it. Sadly, I've been in a similar situation when I was younger, my wife somehow convinced me that it was OK for her to have an online boyfriend. She was in love with because they had never met. Today it sounds absolutely absurd and I am ashamed of myself for allowing that to go on. As your self-esteem goes down further and further, you start to put up with more and more. I finally worked up the courage to get a divorce. I went through a lot of pain but a few years later, I am single and the happiest I have ever been in my adult life. ❤ when you're happiness is totally dependent on another person especially someone who doesn't care about you. It will never end well now my happiness comes from within, and of course, my doggies. ❤

At 14, I was begging my mom for money. That poor kid was robbed by his way older brother. When someone says they've started "many" businesses...that's not impressive. You just keep failing in the same way. My brother-in-law does this. Always great ideas and products but something always happens and he looses everything.

watching dave ramsey at 17 is the smartest decision ill ever make in life

"she has *ABOUT* six kids"???

The Dave Ramsey show is truly a God sent.I love to listen to this show.😊

It’s not just a sleepover-it’s a betrayal in anyway you look at it. So sorry for her.

24 yo with 6 kids from DIFFERENT men??? I dont think handling money is her problem. ..

He enjoys telling people they can no longer go to restaurants lool

The embezzling daughter one has to be the most insane call.

"She's spending like She's freakin in congress." That's good 😂

Dave Ramsey is so brutally honest 😂😂

He wanted to call that lady stupid so bad I could feel it! 😂😂😂😂his face when she said they had sleepovers

It's your choice if you want to keep hurting stay I've been there no Man is worth being miserable for ❤

I’d be proud of my kid for wheeling and dealing on this level at 14. This kid’s a baller and has tons of potential. And I say this as a successful, full grown 🙂entrepreneur myself.

Wow, my life feels really put together right now....

Dave Ramsey: relationship counselor, parental adviser, financial guru

1:36 “Dude, do you know how weird this sounds?” That killed me