I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.

Anytime I think I'm worried about my financial situation I watch this show and realize I'm actually doing pretty good.

They need a “where are they now” episode.

I’m going to be debt free in april. I’m so excited.🎉 Update: I’m debt free yaayy 💃

Im surprised he didn’t bust out laughing when the first caller said they work in government. Really explains their spending lol

Say what now Caller:"I m a million in debt." Dave: "Stop buying stupid stuff."

MBA with 300k credit card debt sounds like... Me, software engineer, not knowing how to turn my laptop on.

"We're not ready to talk marriage; until we're ready to talk money"- Words of Wisdom to Live by forever by Mr. Ramsey

I started watching Dave right after i bought a 20k truck in 2018, realized it was a terrible financial decision at the time. Since then I've doubled my income, married my wonderful wife and i pay off the truck next week.

I have a strong feeling the First Lady didn’t take any of his advice😂

I’m glad I paid 27k off of my student loans in 4 months by working and paying as much as I could on them. Now I’m debt free! Next step is a house! (Just turned 27)

For the first caller, $230K for two people is good income, terrible income for their debt level. I remember this call and was a classic from the pre-pandemic days. Dave should do a follow up call on her, and I wonder if she is still married.

This channel is solely responsible for my motivation to spend wisely and retire comfortably.

The first call is a great example that educated does not mean smart

100% agree My daughter left school at 16yo with no qualifications. She had a learning disability. I told her find a permanent full time job and you can leave. I’m not too clever either but a very hard worker and saver. My daughter is the same. Fast forward she’s now 33yo owns her own home and has already halved her mortgage through extra principal payments. She now is in a job with $85k a car and petrol for personal use. You do not need an arts degree. You need a work ethic, saving ethic and resilience and focus.

As a 31 year old first generation American from Mexican parents who NEVER taught me anything about money, I discovered Dave a little too late and unfortunately do have debt, not as much as a lot of these callers, but I am in the right mindset, it’s not too late.

To anyone reading this: do NOT treat paypal like a bank account. They can steal your money. It happens all the time in the art community where artists have lare sums sitting in their account and PayPal flags their account and just takes it all away! And they refuse to give ir back, its just lost. So PSA, make sure you always transfer to a proper bank.

The first call… this is the type of people that works in our government, let that sink in…

I still like it best when Dave ran solo because it's easier to follow one person speaking to the caller.

You are used to spending like you are in congress😂😂😂😂😂😂 best line ever

Years ago, I watched a YT channel called homeless firefighter which introduced me to this show. I followed his lead and moved into my truck bed with a camper shell. Graduated college and couldn’t fathom paying 2k in rent for an apt I was never at. 3.5 yrs later, I have no debt and 150k cash in the bank. Come from foster care so I’m used to having nothing. Separate your needs and wants and figure out what’s most important to you in the long run. For me, it’s buying a house cash out of state and working a low stress mediocre job to carry me through the rest of my years. It’s shocking to hear these stories because I can’t help but compare myself to other successful people around me and in CA there’s ALOT of them. That said, you never know what’s going on behind closed doors lol. I feel great about my situation any time I watch these videos. Thanks for sharing! Probably helps cure a lot of people stress anxiety and depression..

“you’ve gotten used to spending like you’re in congress” 🤣 i had this same talk with myself like 3 years ago. took me like 6 months to pay 40k CC off with half their income. they’ll be fine.

The man makes a fortune telling you how to do not stupid things. Brilliant!

“ you got things that you couldn’t afford with the money, you didn’t have” the most honest words

“You’re making 210, spending 310… im about to put you on 30.” Can we do this for everyone who works in government please? I think it would be very healthy for the country.

I live in the UK and started doing the baby steps at the start of 2024. I am now at the start of baby step 3 after saving £1000, paying off my credit card and selling my car. I am so thankful that I came across Dave’s videos as it has changed the trajectory of my financial future.

With Dave heading into semi-retirement, I could use one of these episodes each week 👍

The first caller is exhibit A on why our government has gotten us in so much national debt. She keeps spouting off these "advanced degrees", but that doesn't mean squat if you don't actually have knowledge that you can apply in day-to-day life. And she worked in government policy??? Heaven help us all.

These clips are all from the old school studio and when it was "The Dave Ramsey Show". That's when this show was the best! Thanks for the upload.

Dave has helped so many people. I cant thank him enough.

That deep conversation with that young entrepreneur was really moving. You can't change people easily, so bringing in a family friend is excellent advice

While I understand I’m a lot closer to these people than I am to being a billionaire…the holes some people dig for themselves really are mind blowing.

I like Dave. I don't agree with all of this ideas but he is trying to help people. That's awesome.

In Europe we used to have such a thing as a ‘Finishing School’, where wealthy parents sent their daughters to learn social skills to improve their chances of marrying a man of wealth and position. Which is pretty much what the majority of University education has become these days, but with zero chance of hitting the husband jackpot. That is, if you are investing hundreds of thousands in an education, you’d better be damned sure it will give you an income .

You know you listen too much to the Ramsey Show when you remember every single one of these calls/rants live on the radio. LOL

I love these stories it makes me feel like a financial genius

I like how Dave tended to guess "what are you 28?" with these big time in debt calls. Apparently we reach the peak intersection point of youthful stupidity and "oh crap the real world is eating me alive" around that age huh?

The last 5-6 minutes are pure GOLD

May God continue to preserve Dave Ramsey and his show, the family and his employees! 🙏🏼

I think the second caller is wise to not tell his mum. And I say this as a mum of 2 very tech savvy boys. He needs to protect what he’s worked hard to build up. Of course if my boys built up this kind of wealth in a legal way I’d be so proud of them and I’d be asking that they talk to a financial advisor to best utilise that wealth. But I know some parents would take advantage of the situation.

Dave is right. My wife and I spent for a lifestyle to try to keep up with everyone around us mostly out of jealousy. All it did was get us into crushing debt. We got together and made radical changes. To this day when I pull up to a light in my 12 yr old rusty truck to a guy driving a brand new $80k truck I smile knowing he's probably broke and my wife and are are now debt free and millionaires now.

The first call took my breath away

I wish that each call was labeled with the year that they called. Great show. I agree that a where are they now would be great

I feel so sorry for all these people who start out in life in debt because of a student loan. It’s crazy. I live in England, I didn’t go to college, which would have been free by the way. I didn’t want to go university as I could see everyone coming out starting life in debt. I got a job straight from school. Never borrowed money, never had a credit card. I am now 70, live a very comfortable life, no mortgage on my million dollar house, no debt, plenty to live on. My son didn’t want to go to university, he got a job straight from school. He has now just bought the company he works for. He has no debt apart from a home loan which is soon to be paid off. He is 42. University is not the be all and end all. You can get a job and make it in life without university!!!

Every time I'm about to spend money I hear Dave 'Better than I deserve'. I wish he would do a World tour.

The pastor has a great plan for your money kid.😅

The first call was from several years ago (I remember it from that time; also, it was filmed at the old studio). I wonder if that caller took the advice and is in a better place today, or if she and her husband just blew past it and are now $2 million in debt.

Discovering this show from across the Atlantic. The financial situations of some of these people are mind boggling. I've been working for a decade, and my way of thinking has been the following: enjoy today, but NEVER spend more than you can afford/pay back in a reasonable timeframe. I've never had much money saved, but I've always kept the boat afloat. Because of this, I see myself as bad at managing finances. But seeing that some people are crippled with tens of thousands in debts, I may not be as bad as I thought.

The way she tried to calm daves mind in the beginning by saying they were gonna take a finance class hahahaha

Dave to Mike: “You’re heading straight at the wall, with the accelerator on the floor.” Dave took me out with that line. Lmao!

My son got a degree in History. His dad helped him quite a bit, and so did I, and he worked full time through undergrad. He taught as a grad student and adjunct and worked as a grad assistant, AND got stipends.for grad school. Then he got his PhD in April 2020, right when college/university enrollment dropped 40% because of covid. He's doing well now, but what a nightmare! If he'd done a bunch of student loans he'd have drowned. Literally.

Great video compilation guys, thanks for putting these out there.

Yes please, keep posting this kind of content. Love Dave Ramsey

You ended up up a creek with a really short paddle love that😂🎉

"better than I deserve, what's up?" Legendary

Here I am stressing out about my $4k in credit card debt that seems to never go away.

The last rant about choosing a good major to escape student debt is a major reason I choose engineering

The first lady might as well file bankruptcy 😂

I love Dave. Met Dave through FPU back in 2012 .... its taken me years, but I've finally fallen in love with this. This program for success brings confidence, solid planning and peace, peace, peace. Shalom to all.

That passionate speech at the end is so cinematic. It could be in a pretty good movie. ❤

I so appreciate his approach when he asks if they are in a good church and to speak to the verse about contentment when materialism is so rampant and brings a spiritual aspect- because really, all things are scriptural.

The 17yr old making 300-400k .. Should not tell the pastor because most pastors will say u should give to the church. Hopefully when the mom finds out she wont think its her money as well

Growing up as my older siblings went off to college my father said get any degree you want as long as it has an "employable skill." At a young age I knew that term. We were so fortunate to be taught about earning and saving money. I feel sorry for so many of these callers.

You been sentence to ramen for life😂😂

An update video would be interesting, if possible.

I used these videos before I go shopping it is like therapy

Well said Dave

I’m glad Ramsey has released these episodes. They remind of when I got into the show back in 2009. Those were interesting shows back then.

"Condo, its gone." Best news ever.

My son who also works e commerce told me that for that 16 yr old to be making $50k/mo in the niche he is in he is likely laudering money for an organized crime ring and he doesn't realize it. He said it's very difficult to make that much in what he is doing. He said these foreign organized crime rings prey on these younger internet savvy kids because they often don't understand what is happening.

It was just getting good at 43 mins. I look forward to more of these videos!

Looking at these episodes with all the “student loans” and realizing the bless we are in when the government is taking care of our education!

Every counselor in grade school: “go to college, or be a loser” Millennials: “ok, I don’t want to be a loser” Fast forward: Now broke due to crippling student loan debt.

I hope the second caller didn't tell anyone

Was waiting for volume 3!

Man, I love you Dave. I want to be just like you when I get older.

$800k in non-mortgage debt and both work in the government. Explains our national debt I guess.

Every Pastor is not great on giving advice especially regarding money. People should be very careful about divulging information about finances

The last part of this video is the best highlight. 👌🏿

great advice mr Dave

As a debt collector, I can confirm that debt consolidation companies tend to suck I've had people call in panicking because they are getting garnished for a debt they thought was paid

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.

Call 1 : Living like they’re RICH 💥🤣🤣🤣

thanks

I LOVE history. And archaeology, geology, geography, languages and natural history. I can afford to love them because i went to Med School, which gave me the tools to learn in any field in which i was interested IN MY SPARE TIME whilst i was earning £££££££££. And the bonus is, i can afford to travel to see for real all the things i have been researching in my spare time.

I binge on these whenever I think about buying stupid shit

I’m sure this is ridiculously redundant but you are incredibly helpful. Thank you

I love when the lady said we both have advanced degrees how’s that working out

Here are people hundreds of thousands in debt and I'm stressing over 5-6 thousands it's not that bad for me I see the light

Works in DC, works in the govt... has insane debt.... big surprise.

2019 was a good year!

Maybe overlay the year/month these calls were in, might help add some context. Love the show guys!

They really put the e-commerce liar on here lol

When I realize I have 7,500 in debt, I’m super proud of myself and honestly never had more than that:). I’m 42 yrs old

I just started rebuilding my credit and also am investing on my roth IRA..Good debt only.

Selling a condo she bought years ago just to pay off 90k??? That's a wild suggestion, it's impossible to buy a house these days.. real estate is the only thing that's worth saving

Thank goodness you brought this up! Truly, investing has changed my perspective on how one can succeed in life; working multiple jobs isn't the optimal way to attain financial freedom and unfortunately, we discover this later in life. Currently earn as much as 10 grand weekly and this has improved my financial life. Great piece!

THIS VIDEO IS SO POWERFUL DAVE RAMSEY FOR US PRESIDENT.

Working construction, dept free great credit score. About to open up another line of credit to be able to use it to purchase supplies for my first duplex. Which will be paid in cash. Then I’ll refinance. Thank you Dave and my boss for all of the advice. Plz hold me accountable god.

Hopefully the 2nd caller got his money out of the PP account. There are horror stories of PP freezing accounts or straight up talking money out of them.